Money and Saving
Pul va tejamkorlik
Bank xodimi Ms Clark sizga jamg‘arma hisobi ochishda yordam bermoqda.
Ms Clark — bank maslahatchisiSiz — bank mijozi
Mavzu so‘zlari
Bosing — talaffuzini eshitasiz. Bu so‘zlarni suhbat va javoblaringizda ishlating.
Talaffuz mashqi
Avval tinglang, keyin “Aytib ko‘rish”ni bosib so‘zni ayting — sayt nima eshitganini ko‘rsatadi.
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interest /ˈɪntrəst/
IN-trest: ikki bo‘g‘in.
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emergency /ɪˈmɜːdʒənsi/
i-MUR-jen-si.
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afford /əˈfɔːd/
a-FAWD.
Foydali iboralar
Maqsad
Savol
Ko‘p uchraydigan xatolar
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I save money for to buy a car.
I’m saving to buy a car.
“to” yetarli.
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I can’t afford buy it.
I can’t afford to buy it.
“afford to”.
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Money are important.
Money is important.
“money” sanalmaydi.
- Ulushlar: a fifth, a quarter, half of my salary.
- “What if …?” — ehtimolni so‘rash.
1-qism: Suhbat
Imtihonchi siz haqingizda savollar beradi. B1 da har javob 2–3 gapdan iborat bo‘lishi kerak: javob + sabab yoki misol.
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Are you good at saving money?
Namuna javob
Not very good, honestly. I often spend money on coffee and taxis without thinking.
Halol.
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Do you prefer paying by card or in cash?
Namuna javob
By card, mostly. It’s quicker, and I can see my spending in the app.
Sabab.
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What’s the most expensive thing you’ve ever bought?
Namuna javob
My laptop. I saved for six months to buy it.
Tajriba.
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Did your parents teach you about money?
Namuna javob
Yes, my father gave me pocket money and told me to save half of it.
Xotira.
2-qism: Rasmni tasvirlash
Imtihonchi sizga rasm beradi va uni 1 daqiqa tasvirlashingizni so‘raydi. Bu yerda rasm so‘z bilan berilgan: ko‘z oldingizga keltiring va gapiring.
Describe the photo: a young couple sitting at a kitchen table with bills, a calculator and a laptop, looking at their monthly budget.
You should say:
- who the people are
- where they are
- what they are doing
- how they might be feeling
Talk for about one minute.
Namuna javob
This picture shows a young couple sitting at a kitchen table. In front of them there are lots of papers — I think they’re bills — and a calculator, a laptop and two cups of tea. The man is using the calculator, and the woman is pointing at something on the laptop screen. It looks like they’re planning their monthly budget or checking how much they’ve spent. The man looks a bit worried, maybe because the bills are high. The woman seems calmer. It’s probably evening, because the lamp is on.
Narsalardan faoliyatni xulosa qiling.
3-qism: Muhokama
Imtihonchi mavzu bo‘yicha umumiyroq savollar beradi. Fikringizni ayting va sabab bilan asoslang.
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Should children get pocket money?
Namuna javob
Yes, I think so. It teaches them how to manage money and make choices — for example, to save for something bigger.
Sabab + misol.
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Why do some people find it hard to save?
Namuna javob
Prices are rising, and there are so many temptations — online shopping makes spending very easy.
Ikki sabab.
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Will cash disappear in the future?
Namuna javob
Probably in big cities, yes. But older people and villages still use cash, so it won’t disappear completely soon.
Muvozanatli bashorat.
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Is it a good idea to borrow money from friends?
Namuna javob
It can be risky. If you can’t pay it back on time, it can damage the friendship.
Xavf.
Javoblaringiz tahlili
Raqamlar yozib olingan javoblaringiz matnidan hisoblanadi. Nutqni aniqlash har doim ham mukammal emas — natijani taxminiy deb qabul qiling.
Cambridge / CEFR gapirish mezonlari bo‘yicha baholang
Cambridge English imtihonlarida (A2 Key, B1 Preliminary) gapirish 4 mezon bo‘yicha 0–5 ball bilan baholanadi. Jami 20 balldan 12 va undan yuqorisi — daraja talabiga javob beradi. Yozuvlaringizni qayta tinglab, har mezonga halol baho bering.