Part 3

Band 5+: Should children be taught about saving and investing money at school?

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73% Accuracy The overall pronunciation accuracy of your speech, reflecting how well a native speaker can comprehend it.

Polished transcript:

Male Female

Yes, I definitely think it's more important to children's lives because of that. Firstly, they need to know how to spend money and save money. They need to learn from their parents' expenditure, and that's the reason why they need to learn expenditure. Because of that, if they have learned expenditure, they will have financial stability and financial security. The reason why they have to learn is that they can build a good future. Secondly, I think they only spend their money on toys or some games. And if they pocket their money, they will have learned how money is important.

Actual audio transcript (What native speakers are likely to hear):

Yes, I definitely think it’s more important to children’s lives because of that. Firstly, they need to house spend money and save money. they need to learn from their parents expenditure, expenditure and so that’s the reason why they need to learn expenditure because of that they, if they have learned expenditure they will have financial stability and financial security. The reason why they have to learn is that they can build good future. Secondly, I think they only spend their money on toys or some games. And if they pocket their money, they will have learned how money is important.

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Speaking Time: 40 seconds

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Overall Band Score

5.5

(+/- 0.5)

Vocabulary Complexity:
B1 - Intermediate
Using more sophisticated words could be beneficial.

Vocabulary Repetition:

they: 10

money: 5

have: 4

that: 3

need: 3

learn: 3

their: 3

expenditure: 3

think: 2

important: 2

because: 2

spend: 2

reason: 2

learned: 2

financial: 2

Try using synonyms for the above words

Pronunciation

Your pronunciation is above average. However, you may find complexity in certain words challenging. Regular practice should aid in improvement.

Task Response

The answer stays on topic and addresses the question directly, but it could be more fully developed. The response is somewhat repetitive and lacks a clear, structured argument. To improve, aim to provide a more balanced discussion, including both the benefits and potential limitations of teaching children to save money. Additionally, try to generalize the discussion rather than focusing on specific examples like toys or games. Expanding on the long-term benefits, such as financial literacy and responsibility, would strengthen the response.

Fluency & Coherence

The answer has a clear structure with 'Firstly' and 'Secondly', but there are noticeable repetitions and self-corrections (e.g., 'expenditure, expenditure', 'because of that they, if they have learned expenditure'). The ideas are somewhat repetitive and could be more logically developed. To improve, avoid repeating the same phrase and ensure each point adds new information. Use a wider range of cohesive devices beyond 'firstly' and 'secondly'.

Lexical Resource

The vocabulary is adequate but limited. The word 'expenditure' is overused and used incorrectly in some contexts (e.g., 'learn expenditure' should be 'learn about expenditure' or 'learn how to manage expenditure'). There is some good use of phrases like 'financial stability' and 'financial security', but the range is narrow. To improve, use synonyms and more precise vocabulary, such as 'budgeting', 'saving habits', 'financial literacy', and 'money management'.

Grammatical Range & Accuracy

The grammar is mostly accurate but simple. There are some errors, such as 'they need to house spend money' (likely a slip for 'they need to know how to spend money'), and 'if they pocket their money' is awkward. The sentence 'The reason why they have to learn is that they can build good future' is missing an article ('a good future'). To improve, use a wider range of structures, such as conditionals, relative clauses, and complex sentences, and ensure accuracy with articles and prepositions.

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