IELTS Speaking chủ đề Money – Từ vựng và bài mẫu

Trong phần thi kỹ năng IELTS Speaking, chủ đề Money là một chủ đề không hiếm gặp nhưng cũng không dễ để giải quyết. Dưới đây là các câu hỏi IELTS Speaking chủ đề Money cùng câu trả lời gợi ý đến từ Smartcom English để giúp việc ôn luyện của thí sinh dễ dàng hơn.

Từ vựng IELTS Speaking chủ đề Money

Danh từ IELTS Speaking chủ đề Money 

• Currency /ˈkʌr.ən.si/: Tiền tệ
• Wealth /welθ/: Sự giàu có
• Income /ˈɪŋ.kʌm/: Thu nhập
• Savings /ˈseɪ·vɪŋz/: Tiết kiệm
• Investment /ɪnˈvest.mənt/: Đầu tư
• Debt /det/: Nợ
• Budget /ˈbʌdʒ.ɪt/: Ngân sách
• Profit  /ˈprɒf.ɪt/: Lợi nhuận

Động từ IELTS Speaking chủ đề Money

• Arbitrage /ˌɑː.bɪˈtrɑːʒ/: Chiếm cơ hội thương mại
• Monetize /ˈmʌn.ɪ.taɪz/: Kiếm tiền từ
• Reconcile /ˈrek.ən.saɪl/: Điều chỉnh, hòa giải
• Subsidize /ˈsʌb.sɪ.daɪz/: Trợ cấp, trợ giá
• Utilize /ˈjuː.təl.aɪz/: Tận dụng
• Save /seɪv/: Tiết kiệm
• Invest /ɪnˈvest/: Đầu tư
• Borrow /ˈbɒr.əʊ/: Vay mượn
• Lend /lend/: Cho vay
• Donate /dəʊˈneɪt/: Quyên góp

Tính từ IELTS Speaking chủ đề Money

• Wealthy /ˈwel.θi/: Giàu có
• Valuable /ˈvæl.jə.bəl/: Có giá trị
• Costly /ˈkɒst.li/: Đắt đỏ
• Affordable /əˈfɔː.də.bəl/: Phải chăng
• Profitable /ˈprɒf.ɪ.tə.bəl/: Có lợi
• Bankrupt /ˈbæŋ.krʌpt/: Phá sản
• Frugal /ˈfruː.ɡəl/: Tiết kiệm

Bài mẫu Part 1 IELTS Speaking chủ đề Money và đáp án gợi ý

Question 1: Do you think it’s important to save money? 

Yes, I believe saving money is crucial for financial stability and future planning. By setting aside a portion of my income as savings, I can prepare for unexpected expenses and work towards achieving long-term goals such as buying a home or retiring comfortably.

Question 2: How do you feel about borrowing money from others?

Personally, I prefer not to borrow money from others unless absolutely necessary. While borrowing can provide short-term relief, it often comes with the burden of debt and interest payments. Instead, I strive to manage my finances responsibly and only borrow when I have a solid plan for repayment.

Question 3: What are some ways people can invest their money?

There are various ways people can invest their money, such as purchasing stocks, investing in real estate, or starting a small business. Personally, I find investing in mutual funds to be a convenient and relatively low-risk option. It allows me to diversify my investments and potentially earn returns over the long term.

Bài mẫu Part 2 IELTS Speaking chủ đề Money và đáp án gợi ý

Question 1

Describe a situation where you had to borrow money from someone.

You should say:

• Why did you need to borrow money?
• Who did you borrow money from?
• How did you feel about borrowing money?

And what did you do to repay the borrowed amount?

Answer: 

One situation where I had to borrow money from someone was when I encountered unexpected car repairs. My car broke down unexpectedly, and the repair costs were beyond what I had budgeted for. Since I needed my car for commuting to work, I had no choice but to borrow money from a close friend to cover the costly repair expenses. It was a humbling experience for me, as I had always prided myself on being financially independent. However, my friend was understanding and willing to help, which I deeply appreciated. I made sure to repay the borrowed amount as soon as I was able to, and it reinforced the importance of having a safety net for unexpected expenses, like some savings.

Question 2

Describe a time when you donated money or contributed to a charitable cause.

You should say:

• Why did you decide to donate money?
• How did you contribute to the charitable cause?
• The impact of your contribution?

And how did you feel about making the donation?

Answer: 

One impactful experience contributing to a charitable cause was when I decided to donate money to support underprivileged children in my community. Motivated by a desire to address educational inequality and make a positive impact, I chose to contribute financially. I actively participated by organizing ways to utilize my resources effectively, such as soliciting donations and rallying community support. Witnessing the collective efforts of the community to support the cause was inspiring. Through our combined contributions, we raised substantial funds, providing essential educational resources and scholarships for disadvantaged children. Making the donation filled me with a sense of fulfillment and gratitude. It reinforced the importance of giving back and highlighted the power of collective action in creating positive change.

Bài mẫu Part 3 IELTS Speaking chủ đề Money và đáp án gợi ý

Question 1: What are the advantages and disadvantages of borrowing money to invest?

Borrowing money to invest can offer the advantage of leveraging one’s capital to potentially earn higher returns. By borrowing funds, individuals can utilize their savings more efficiently and have the opportunity to invest in lucrative opportunities they might not otherwise afford. However, there are also risks involved, such as incurring debt and interest payments, which can be costly if the investment doesn’t yield the expected profit. Additionally, borrowing to invest amplifies the potential losses in case of market downturns, which can lead to bankruptcy if not managed carefully.

Question 2: How can individuals reconcile their desire to save money with the need to spend on essential items?

Balancing the desire to save money with the necessity of spending on essential items requires careful budgeting and prioritization. Individuals can allocate a portion of their income towards savings while setting aside another portion for necessary expenses like housing, food, and healthcare. It’s essential to distinguish between needs and wants and to utilize resources wisely to meet both short-term and long-term financial goals. While being frugal and mindful of expenses is important for building wealth, it’s also crucial to recognize when spending is necessary to maintain a decent quality of life.

Mong rằng thông tin từ bài viết trên đã cung cấp cho bạn một tư liệu hữu ích về chủ đề Money để ôn luyện cho kỹ năng Speaking của bài thi IELTS. Để tiếp cận thêm bài viết bổ ích cho quá trình ôn luyện kỹ năng IELTS Speaking nói riêng và cả 4 kỹ năng IELTS nói chung, hãy truy cập và theo dõi các bài đăng trên website của Smartcom English: www.smartcom.vn/blog 

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