Adults|Spoken|Upper-Intermediate|13. Earning and spending

Speculate about the pictures

Do the questionnaire

pic1|Spoken|Upper-Int|L13

What kind of a consumer are you?


Give yourself 2 points for each of the answers where you agree with the statement.

16-20 You are the ideal product of the consumer society. You want everything that is new and expensive and you want it now.

10-14 You can be persuaded by advertising and are influenced by brands and fashion magazines.

4-8 You sometimes buy consumer items, but only if you think it is justified.

0-2 You are the advertiser’s worst nightmare. You are probably mean with yourself and others. You are not much fun to live with, either.


Match the highlighted words and phrases in the questionnaire with the meanings below

Discuss the questions with your teacher

pic9_Spoken|Pre-Int|L10

  • Money! Do you love it, hate it or not have strong feelings about it?
  • Would you prefer your own children to be rich or poor? Why?
  • If all the money in the world suddenly vanished, what would happen? Would everything collapse into chaos? Or would the world become a better place?
  • A company is offering large rewards if you can find certain people who owe it money. Would you consider doing this job?
  • How much would moral considerations prevent you from taking a high paying job? What sort of work would you never consider?

Can you think of any stories to illustrate the proverbs below?

Money is the root of all evil means that money is the reason behind all the bad things in this world. This quote, although usually said like this, is actually a misquotation. The original quote is by the apostle Paul in the Christian Bible, and says The love of money is the root of all evil.

Money makes the world go round means either that (1) money is the most important thing in the world and everything only operates successfully because money exists and is used, or (2) you need money in order to achieve things. The line features in a song in the musical Cabaret. Other writers have suggested more hopefully that love makes the world go round.

There’s one law for the rich, another for the poor means that people get treated differently and more favourably especially (but not only) by the legal system depending on whether they are wealthy or not.


  • Money is the root of all evil.
  • Money makes the world go round.
  • There’s one law for the rich, another for the poor.

Tick the idioms according to the appropriate group

Idioms meaning «poor»

  • If you are hard up, you don’t have much money and have difficulty paying for basics like food and heating.
  • If you are in the red, your bank account is overdrawn, i.e. you owe money to the bank. The opposite is in the black. These terms have their origins in the different colours of ink that accountants used to use for accounts in credit or debit.
  • If you live hand to mouth or are on the breadline, you are desperately poor and have trouble finding food.
  • If you are without a penny to your name, you have no money at all.

Idioms meaning «rich»

  • If you have money to burn, you have more money than you need, and can afford to waste some of it.
  • If you are living in the lap of luxury, you are living in a very rich and luxurious way.
  • If you are worth a fortune, you are fabulously rich.


pic10_Aloha|Shopping|Pre-Int


Replace the words in boxes with the appropriate form of the expressions from the exercise above

Add three ideas to the list below

A metal detector is a hand-held machine that can give an alert if there is anything metallic under the ground. Many people use these as a hobby, especially in fields, near old buildings and on beaches. Many old coins and valuable artefacts have been discovered in this way, though their use remains controversial as professional archaeologists and historians fear that hobbyists will not necessarily declare what they have found, and might damage important sites in order to make a profit.

If you speculate on the stock exchange, you invest your money in potentially risky stocks, bonds or shares in the hope of earning a large profit.

to marry into money — to marry a rich person.




Discuss the questions with your teacher

Which way is…

  • the quickest?
  • the hardest work?
  • the most unlikely?
  • the one you’d choose if you could?

Listen to the story and answer the questions

🔹A bounty hunter is someone who finds and arrests people in order to collect the reward being offered. A bounty is a monetary reward.

🔹If a man is considered to be a macho man, people think that he represents many traditional and possibly outdated stereotypes of a strong, rough, tough, emotionless, always-ready-to-fight man.

🔹A desperado is a dangerous and violent criminal who is on the run from the law, e.g. an uncaptured bank robber or an escaped criminal. The word is typically used in a US context, especially to do with the Wild West; if used to refer to modern criminals in the UK, it may be intended humorously.

🔹If you say that someone is riding off into the sunset, you usually mean that they are leaving quietly and discreetly after having done some important work. It suggests that the person and his whereabouts will once again become unknown and secret until the next time he is urgently needed. Riding off into the sunset is a cultural reference to Hollywood westerns in which the hero typically ended the film by leaving with his trusted horse as the sun went down.

🔹Bail is money a person pays to a court as a promise that he will return for his trial. If he didn’t pay bail, he would probably be kept in prison instead. The money will be returned if he does what was agreed. If he jumps bail (i.e. does not return at the agreed time), he loses his bail (i.e. the money is not refunded).

🔹A bail bondsman is someone prepared to lend the money a person needs to pay their bail.

🔹If you are a cynical person, you don’t generally trust other people. You think that they are not naturally honest or sincere, and you don’t believe that their motives are genuine. You think that other people are mainly motivated by greed and personal concern for themselves.

🔹Glamour [ˈɡlæmə(r)] is the quality something has that makes it seem special, fashionable and desirable. Glamour is a quality associated with rich, famous people and their lifestyles.

🔹If you are expelled from school, you are forced to leave it, probably because you have done something serious to break its rules.

🔹A ranch is a farm in America or Canada covering a very wide area and with lots of animals, especially cattle and horses.

🔹A ranch hand is a person who works as a helper on a ranch.

🔹A fugitive [ˈfjuːdʒətɪv] is a person who is trying to escape from justice, e.g. a criminal that the police are trying to catch.

🔹to want for nothing — to have everything you need.

🔹jet set — rich and fashionable people who travel a lot.



Ask most people what they know about bounty hunters and they’ll probably think of a Clint Eastwood-like hero from a Hollywood cowboy movie. In the wild Wild West of Hollywood fantasy, the bounty hunter is the ultimate macho man, on the trail of a bank robber who is wanted dead or alive. If he manages to catch up with him, the bounty hunter will collect the reward money before identifying another desperado and riding off, once more, into the sunset.

In twenty-first century America, the «dead or alive» posters have long gone, but it may come as a surprise to learn that bounty hunters are still alive and well.

If you are arrested for many crimes in the US, you can remain free, until the time of your trial, if you pay bail or a sum of money to the court. If you’re too hard up to pay the money yourself, you can often borrow it from a «bail bondsman». When you appear in court, the money is returned, but if you don’t turn up for your court appearance, you lose the money. This is where the bounty hunter comes in. If someone has borrowed money from a bail bondsman and then doesn’t appear in court, the bondsman will employ a bounty hunter to find the person and get the money back.

It’s an unpleasant job and one that is illegal in most countries. Bounty hunters are tough and cynical and many are ex-criminals themselves. When times are good they have money to bum, but most of their lives are spent on the breadline. It is perhaps the last job in the world where you would expect to find someone like Domino Harvey. Domino was born in Britain. Her father, Laurence, was a well-known actor and her mother, Pauline Stone, was a model for Vogue. From birth, Domino wanted for nothing, living in the lap of luxury, but all the money and the glamour and the privileges could not make up for the loss of her father who died of stomach cancer when she was only four years old. Domino was suddenly worth a fortune and never needed to worry about money again. But, she was said to be a very difficult child. She was described as aggressive and ungirly, preferring to fight with the boys, rather than play with dolls. By the time she was old enough to leave school, she had already been expelled from four of them.

Domino moved into an apartment in west London and worked briefly as a DJ and she designed and sold T-shirts in a market. Friends say that she was relaxed and happy and seemed to be enjoying her life but again boredom set in and she was soon looking for new sources of excitement. It has been reported that she started a career in modelling. She certainly had the looks for it, and her mother had all the necessary contacts. She was said to have worked with the Ford modelling agency, but when questioned, none of the staff there could recall ever having come across anyone with the name of Domino Harvey. It’s also believed that she took a course in acting â possibly with the intention of following in her father’s footsteps. But, once again, if this is true, there is no firm evidence for it.

In 1989, she moved to the States to join her mother, but instead of joining the Hollywood jet set, she embarked on a series of adventures. She is rumoured to have worked first as a ranch hand in San Diego and then as a volunteer firefighter on the border of Mexico. It was during this period that she took a two-week course to become a bounty hunter. The instructor on the course, Ed Martinez, later became her partner. In their time together as bounty hunters, Domino and Ed are known to have caught more than 50 fugitives.

While she was working with Ed Martinez, chasing criminals across California and beyond, news got to journalists in the UK of a beautiful teenage model who had decided to become a bounty hunter. An interview in a Sunday newspaper came to the notice of Tony Scott, a Hollywood producer. He tracked Domino down and persuaded her to sell him her life story. He is said to have paid more than $300,000 for it.

The film was finally released in 2005 but this was one Hollywood story that was not to have a happy ending. Domino was reported to be feeling unhappy with the way her life had been portrayed in the film. She was thinking of making a documentary to tell the real story, but her time was running out. After a lifetime of excess, she was arrested for possession of drugs. Domino had no problems organizing bail, but she never made it to court. At the age of 35, while she was under house arrest in her luxury home in the Hollywood Hills, Domino Harvey was found dead of a drug overdose.


  1. What is a bounty hunter?
  2. Why is it surprising that Domino Harvey became a bounty hunter?
  3. What jobs did she do before becoming a bounty hunter?
  4. How did Domino Harvey become famous?
  5. In your opinion, why did she choose such a job?

Listen again and choose the information that is mentioned

Ask most people what they know about bounty hunters and they’ll probably think of a Clint Eastwood-like hero from a Hollywood cowboy movie. In the wild Wild West of Hollywood fantasy, the bounty hunter is the ultimate macho man, on the trail of a bank robber who is wanted dead or alive. If he manages to catch up with him, the bounty hunter will collect the reward money before identifying another desperado and riding off, once more, into the sunset.

In twenty-first century America, the «dead or alive» posters have long gone, but it may come as a surprise to learn that bounty hunters are still alive and well.

If you are arrested for many crimes in the US, you can remain free, until the time of your trial, if you pay bail or a sum of money to the court. If you’re too hard up to pay the money yourself, you can often borrow it from a «bail bondsman». When you appear in court, the money is returned, but if you don’t turn up for your court appearance, you lose the money. This is where the bounty hunter comes in. If someone has borrowed money from a bail bondsman and then doesn’t appear in court, the bondsman will employ a bounty hunter to find the person and get the money back.

It’s an unpleasant job and one that is illegal in most countries. Bounty hunters are tough and cynical and many are ex-criminals themselves. When times are good they have money to bum, but most of their lives are spent on the breadline. It is perhaps the last job in the world where you would expect to find someone like Domino Harvey. Domino was born in Britain. Her father, Laurence, was a well-known actor and her mother, Pauline Stone, was a model for Vogue. From birth, Domino wanted for nothing, living in the lap of luxury, but all the money and the glamour and the privileges could not make up for the loss of her father who died of stomach cancer when she was only four years old. Domino was suddenly worth a fortune and never needed to worry about money again. But, she was said to be a very difficult child. She was described as aggressive and ungirly, preferring to fight with the boys, rather than play with dolls. By the time she was old enough to leave school, she had already been expelled from four of them.

Domino moved into an apartment in west London and worked briefly as a DJ and she designed and sold T-shirts in a market. Friends say that she was relaxed and happy and seemed to be enjoying her life but again boredom set in and she was soon looking for new sources of excitement. It has been reported that she started a career in modelling. She certainly had the looks for it, and her mother had all the necessary contacts. She was said to have worked with the Ford modelling agency, but when questioned, none of the staff there could recall ever having come across anyone with the name of Domino Harvey. It’s also believed that she took a course in acting â possibly with the intention of following in her father’s footsteps. But, once again, if this is true, there is no firm evidence for it.

In 1989, she moved to the States to join her mother, but instead of joining the Hollywood jet set, she embarked on a series of adventures. She is rumoured to have worked first as a ranch hand in San Diego and then as a volunteer firefighter on the border of Mexico. It was during this period that she took a two-week course to become a bounty hunter. The instructor on the course, Ed Martinez, later became her partner. In their time together as bounty hunters, Domino and Ed are known to have caught more than 50 fugitives.

While she was working with Ed Martinez, chasing criminals across California and beyond, news got to journalists in the UK of a beautiful teenage model who had decided to become a bounty hunter. An interview in a Sunday newspaper came to the notice of Tony Scott, a Hollywood producer. He tracked Domino down and persuaded her to sell him her life story. He is said to have paid more than $300,000 for it.

The film was finally released in 2005 but this was one Hollywood story that was not to have a happy ending. Domino was reported to be feeling unhappy with the way her life had been portrayed in the film. She was thinking of making a documentary to tell the real story, but her time was running out. After a lifetime of excess, she was arrested for possession of drugs. Domino had no problems organizing bail, but she never made it to court. At the age of 35, while she was under house arrest in her luxury home in the Hollywood Hills, Domino Harvey was found dead of a drug overdose.


Define the words for your teacher to guess

Taboo game_example


Taboo game_1

Taboo game_2

Taboo game_3

Taboo game_4

Taboo game_5

  • to be worth — having a particular value
  • to borrow — ask coins or paper notes from somebody
  • can’t afford — to have not enough money for something
  • to charge — to ask an amount of money for goods or a service
  • to cost — to be of a particular price
  • to earn — to get money for work that you do
  • to inherit — to receive something from sb when they pass away
  • to invest — to buy property, shares in a company, etc. in the hope of making a profit
  • to lend — to let a person borrow money that belongs to you for a short time
  • to pay back — to return a person the money that you owe them
  • ATM — another word for cash machine
  • a mortgage — a legal arrangement by which you borrow necessary currency from a bank or similar organization in order to buy property, and pay it back over a period of years
  • a salary — money that employees receive for doing their work
  • a coin — a small flat piece of metal used as money
  • a tax — money that you have to pay to the authorities so that it can pay for public services

pic8_GE|Upper-Int|L2

Discuss the questions with your teacher

  1. How can people earn a fortune?
  2. How can money be acquired illegally?
  3. How do you build up your savings?
  4. What is the most unusual way to earn money? Why?
  5. At what age should people start earning money? Why?
  6. List 5 ideas to live on a low wage.
  7. How can people make money on the stock market?

  1. How do you usually spend your money?
  2. What would you be willing to spend a fortune on?
  3. Do you invest your savings? Why?
  4. What is for you an example of throwing away money?
  5. Do you think you ever waste your money?
  6. Do you think people should use up their money or save it? Why?
  7. How do you use a credit card?

  1. Are you good at managing your finances?
  2. Who handles your family’s finances?
  3. How do you plan your finances?
  4. How do you feel when you cannot stick to your planned budget?
  5. If you arrange a loan to buy a house, what are some possible pay back terms?
  6. Is it difficult to arrange a loan in your country?
  7. Would you ever take mortgage? Why?

  1. How would you feel if you got into debt?
  2. What do you do if you are short of money?
  3. Have you ever run out of money away from home? What happened then?
  4. How do you feel when you owe somebody money?
  5. How do you feel when somebody owes you money?
  6. What can people do to stop accumulating debts?
  7. What do you know about organizations that help people settle their debts?

Read the model essay. Pay attention to the prompts given


Now write your essay answering the question. Use the prompts above and the words and phrases below

Wordlist

Wordlist_L13

Useful language

  • Some people claim that…
  • It is often said that…
  • However, in my view/opinion, …
  • However, on balance, …
  • Firstly, it is clear that…
  • There is a strong argument for …
  • While it is true / Although it may be said that…
  • To clarify the point, there is…
  • From my point of view / in my view,
  • It seems clear to me that…
  • Finally, it is important to remember / must be remembered that…
  • Lastly, I feel that…
  • To sum up / In conclusion, it seems to me that…

«If all the money in the world suddenly vanished, what would happen?»

УрокУрок HomeworkHomework КурсКурс
  • Warm-up
  • Consumer society
  • Money talks
  • Money idioms
  • Ways to earn money
  • Bounty hunters
  • Taboo game
  • Making ends meet
  • Homework