避不開的錢，擺脫不了的月光族。你是月光族嗎？
雅思口語經常可能會考到和錢相關的問題，畢竟錢這個東西太日常了。如果你是學生，可以和生活費、兼職話題結合起來；如果你已經畢業工作了，理財早晚會變成你關心的事情。
但雅思考官並不會直接問你掙多少錢、每月花多少錢，這在國內某些地方可能很普遍，但在西方文化中是很不禮貌且讓人尷尬不爽的行為。part2有一個「你學會的技能「，就可以描述自己學習了理財技能。
01詞彙與短語
live from paycheck to paycheck 月光族式的生活，指望著靠工資支票過活。
其他相關表達：
max out somebody's credit card 刷爆信用卡break the bank 非常昂貴cook for myself 自己做飯吃
bring lunch to work 帶午飯
wear makeup 化妝
look confident and radiant 看起來自信、容光煥發
save money and manage money 存錢和理財
set aside 留出，省出，把...放到一邊
mortgage payment 按揭貸款
make up/ account for/ take up 佔用
02我是月光族
素材1
I do live from paycheck to paycheck.
I'm a new graduate who just starts my first job. Rent is the biggest expense for me. I nearly spend one third of my salary on rent. Food doesn't cost me much because I usually cook for myself and bring lunch to work.
However, I do spend a lot more money on clothing and cosmetics. I like to dress well and wear makeup, which makes me look confident and radiant.
Although I haven't started saving money yet, I'm not worried because I'II definitely earn more in the near future, Then I will learn to manage my extra money.
我是月光族。
我是一個剛開始工作的應屆畢業生。房租是我最大的開支。我幾乎把三分之一的薪水花在房租上。我沒有花很多錢在飲食上，因為我一般自己做飯吃並且帶午飯去上班。
但是，我在衣服和化妝品上花了很多的錢。我喜歡穿好看的衣服，喜歡化妝，好的扮相會讓我看起來更容光煥發、更自信。
雖然我還沒有開始存錢，但我並不擔心，因為我在不久的將來肯定會賺更多的錢。然後我再來學習用多餘的錢理財。
03我不是月光族
素材2
Instead of living from paycheck to paycheck, I manage my money wisely. I set aside 30 percent of my salary for savings and investments. The largest expense for me is mortgage payment which makes up approximately 30 percent of my monthly income.
Living expenses such as food and clothing account for 10 percent, while entertainment such as traveling, movies and fitness classes takes up around 20 percent. The last 10 percent is usually saved up for emergencies such as health care.
我不是月光族，而是明智地管理我的資金。我把工資的30%存起來用於儲蓄和投資。對我來說，最大的支出是按揭貸款，這大約佔我每月收入的30%。
衣食之類的生活開銷約佔10%,而旅遊、看電影、健身課等娛樂活動約佔20%。最後10%會存起來用於醫療等緊急情況。
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