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B1-26 / CEFR B1 / EPISODE 26

Financial Planning

Making a small saving concrete

SceneTina has brought a list of her monthly expenses to a meeting with a financial planner.

Tina discussing a financial plan in an office.
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STORY English with optional Japanese translations

Narrator

Tina has brought a list of her monthly expenses to a meeting with a financial planner.

ティナは毎月の支出を書いたリストを持って、ファイナンシャルプランナーに相談に来ている。

Planner01

What would you like to save for?

何のために貯めたいですか？

Tina02

Unexpected bills. And what if I lost my job?

急な出費への備えです。それに、仕事を失ったらどうしようって。

Planner03

An emergency fund could help cover your expenses while you looked for work.

緊急用の貯金があれば、仕事を探している間の生活費をまかなう助けになります。

Tina04

Could I start with ten percent of my pay each month?

まずは毎月、給料の10パーセントを貯めるのはどうでしょう？

Planner05

Let's check your expenses first. Would that leave enough for your bills?

まず支出を確認しましょう。それだけ貯めても、必要な支払いはできそうですか？

Tina06

Yes. I've worked it out, including rent and food.

はい。家賃と食費も含めて計算してきました。

Planner07

Then you could transfer that amount to savings on payday.

それなら、給料日にその分を貯金用の口座へ移せますね。

Tina08

I could cut back on matcha lattes, too.

抹茶ラテも控えられそうです。

Planner09

How much would you cut back?

どれくらい減らせそうですか？

Tina10

One cup a week. I have to start small.

週に一杯です。まずは小さく始めないと。

Planner11

Every little bit helps.

少しずつでも、積み重なりますよ。

Planner12

What will you do with the money you save on that latte?

そのラテを一杯減らして浮いたお金は、どうしますか？

Tina13

Put it in savings. I was about to say "buy a cake."

貯金します。「ケーキを買う」って言いかけました。

WORDS & CONTEXT

Words & context

“I've worked it out, including rent and food.”

Work something out means to calculate an answer or think through the details. Tina has calculated how much she can save each month after allowing for rent and food.

“I could cut back on matcha lattes, too.”

Cut back on something means to reduce its amount or frequency. To stop completely, use cut out or give up. Tina considers buying fewer matcha lattes.

“Every little bit helps.”

Every little bit helps. says that even small contributions are useful, close to the Japanese saying about dust accumulating into a mountain. It commonly encourages donations or savings.

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