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Part 2

Band 6+: Describe an interesting discussion you had about how you spend your money. You should say: who you had the discussion with why you discussed this topic what the result of the discussion was and explain why this discussion was interesting for you.

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Polished transcript:
Male Female
An interesting discussion I had with my father was about spending money. About a year ago, I just got my first debit card and my father taught me how to use it, how to set it up, and how to use it responsibly. We had a discussion about where I should spend money and how I should manage my account. Cautiously, my father taught me that a debit card should be used very carefully and should not be used to make payments in stores. For that, I should be using a credit card, which I wasn't yet able to apply for. My father said that I should only use my debit card to withdraw cash from ATMs or from the bank. He also told me how to spend money wisely, how to manage my finances, how to buy groceries, which items I should buy from branded stores, and which items I should buy from local stores to save money. This discussion with my father really helped me in the future. When I moved out of my house, I was very cautious about where I was spending my money, and now I had a credit card. So I was using my credit card to make all purchases and using my debit card to withdraw money. This discussion was very interesting for me because I came to know how my father was managing the expenses for our whole household and I gained a very good insight into his approach.
Actual audio transcript (What native speakers are likely to hear):

An interesting discussion I had with m my father about spending money. About the year ago, I just got my first debit card and my father taught me how to use it, how to set it up, and how to use it. I had discussion about where should I spend money and how should I use my count. Cautiously, my father taught me that debit card should be used very carefully and should not be used to make payments on shops. For that, I should be using a credit card which I was not yet able to apply. My father said that I shouldly, uh, use my debit card only to withdraw cash from the ATM’s or from the bank. Also, he told me how to spend money on myis, how to manage my finances, how to buy groceries, which which items should I buy from branded stores, and which item should I buy from local stores so that I can save money. I was this discussion with my father really helped me in my future as when I moved out my house, I was very cautious where I was spending my money, and now I had a credit card. So I was using credit card to make all purchases and using the debit card to withdraw the money. This discussion was very interesting for me because I came to know how my father was managing the expenses for our whole household and I got a very good insight on them.

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Speaking Time: 99 seconds

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