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Budget Better and Avoid Debt: Practical English for Money Talks

On this episode of Learn English Now, James and Alice help you master everyday money conversations. If you’ve ever felt nervous about talking finances in English, this friendly guide will show you how to discuss budgeting, saving, and avoiding debt with confidence. Designed for intermediate learners, it breaks down modal verbs for giving advice and obligation while teaching key money vocabulary. You’ll hear a realistic dialogue between siblings planning a budget, then practice using the language yourself. In this episode you’ll practice: Planning a budget and tracking expenses Talking about loans, interest, and debt politely Using modal verbs like should and need to for advice Building an emergency fund and cutting back on spending Speaking clearly about what you can afford Perfect for anyone who wants practical English for personal finance and clearer money conversations. #LearnEnglishNow #Budgeting #SavingMoney #Debt #Income #Expenses #EnglishPodcast #ESLLearning #Grammar #Vocabulary #IntermediateEnglish #ModalVerbs #MoneyTalks #FinancialPlanning #EmergencyFund #Loan #Afford #CutBack #Savings #EnglishPractice