Man: Hi, Sis. I just came over to drop off the DVDs you wanted, and … Hey, wow!? Where did you get all of this stuff?
Woman: I bought it. So, what do you think of my new entertainment center? And the widescreen TV …
Man: Bought it?
Woman: … and my new DVD player. Here, let me show you my stereo. You can really rock the house with this one.
Man: But where did you get the dough to buy all this? You didn’t borrow money from mom and dad again, did you?
Woman: Of course not. I got it with this!
Man: This? Let me see that … Have you been using Dad’s credit card again?
Woman: No, silly. It’s mine. It’s student credit card.
Man: A student credit card? How in the world did you get one of these?
Woman: I got an application in the mail.
Man: Well, why did you get one in the first place?
Woman: Listen. Times are changing, and having a credit card helps you build a credit rating, control spending, and even buy things that you can’t pay with cash … like the plane ticket I got recently.
Man: What plane ticket?
Woman: Oh yeah, my roommate and I are going to Hawaii over the school break, and course, I needed some new clothes for that so …
Man: I don’t want to hear it. How does having a student credit card control spending? It sounds you’ve spent yourself in a hole. Anyway, student credit cards just lead to impulse spending … as I can see here. And the interest rates of student credit cards are usually sky-high, and if you miss a payment, the rates, well, just jump!
Woman: Ah. The credit card has a credit limit …
Man: … of $20,000?
Woman: No, no quite that high. Anyway, …
Man: I’ve heard enough.
Woman: Did I tell you we now get digital cable with over 100 channels? Oh, and here’s your birthday present. A new MP3 player …
Man: Yeah. Oh, don’t tell me. Charged on the credit card. Listen. Hey, I don’t think having a student credit card is a bad idea, but this is ridiculous. And how in the world are you going to pay off your credit card bill?
Woman: Um, with my birthday money? It’s coming up in a week.
Man: Hey, let’s sit down and talk about how you’re going to pay things back, and maybe we can come up with a budget that will help you get out of this mess. That’s the least I can do.
- stuff (noun): miscellaneous items
- His room is filled with stuff he bought on his credit card. (rzeczy)
- dough (noun): informal for money
- He didn’t have enough doughto buy the TV, so he borrowed money from his brother. (pieniądze)
- in the world: used to emphasize something you say
- Why in the worldwould you buy an expensive TV if you didn’t have enough money? (na litość boską)
- rating (noun): a measure to show how good something is
- You should look over the ratingsfor MP3 players before you buy one. (ocena)
- over (preposition): during
- You shouldn’t travel overthe weekend because the weather is expected to be terrible. (podczas)
- spend yourself in a hole (idiom): spend too much that leads to heavy debt
- Some people spend themselves in a holebecause they can’t control their shopping habits. (zadłużyć się)
- impulse (noun): a sudden desire
- You can let your impulsesto buy stuff get in the way of good common sense and judgement. (impuls)
- sky-high (adjective): very expensive
- Prices for houses in this area are sky-high, so I’m going to look for an apartment for the time being. (bardzo drogie)
- ridiculous (adjective): absurd, silly, without good reason
- Spending more money than you earn is ridiculousand can lead you to major financial problems. (śieszny)
- pay back (phrasal verb): return money you owe
- Could you lend me $20 if I pay you back by the end of the week. (spłacić)