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Describe an interesting discussion you had with someone about how you spend your money. v.1

Describe an interesting discussion you had with someone about how you spend your money. v. 1
Describe an interesting discussion you had with someone about how you spend your money. You should say: who you had the discussion with why you discussed this topic what the result of the discussion was and explain why this discussion was interesting for you. [You will have to talk about the topic for one to two minutes. You have one minute to think about what you’re going to say. You can make some notes to help you if you wish. ]   Model Answer 1: I don’t normally like to discuss my private matters with anybody unless, of course, I have a very valid reason to do so. But, the other day, I was casually doing exactly that with one of my senior cousins, who made the discussion rather interesting. Of course, I didn’t exactly want to get drawn into this sort of discussion, but when my cousin asked me about my future plan or how I was spending and managing my money, I thought that there was no harm in discussing the subject. In fact, I decided to have that discussion, mainly because I wasn’t really doing that well financially even though I was earning a reasonably good amount of money from my job. And, I told that to my cousin, he told me that earning enough money wasn’t just enough to have a secured financial future unless we were using the money in creating tangible assets. In fact, he gave me an account of how he successfully turned around his failing business about a few years ago by wisely investing his little savings. So, again, according to him, earning enough money wasn’t just enough as one would also need to find a way to invest it properly with a long term plan by factoring out the future inflation. Anyway, the discussion was not only getting more and more interesting but also getting more and complicated. Finally, the discussion ended with a piece of advice from my cousin that we should have never spent more money than we would earn. Anyway, the discussion was really fascinating for me because it taught me a few effective tricks not only to save money but also to invest them wisely at the right time. Besides, the conversation also taught me how to create and maintain a link with financially successful people who could always teach us a thing or two on how to become a successful entrepreneur even when one doesn’t have any money at all. Finally, the discussion was also interesting because it taught me how to diversify my skills and money earning abilities.   Sample Answer 2: I always wanted to spend my money after my will but the recent discussion about spending money had changed my former concept. I had a fruitful discussion with Mr Robert, a senior professor at my college in Florida. He teaches economics at the graduate level and a man of letters. He believed that people should have money in the head, not in the heart. Money is only a tool. But it will not make the things done until someone uses it correctly. Overall, it was a pleasant discussion with him. This is a smart cue card task for me. I will answer the other questions gladly. Mr Robert was taking a class about spending and saving money. In fact, he owned some ideologies. He never spent money before having that. So, he was talking to the class about money management. After the class, I went to meet him and he explained everything to me. I wanted to justify the way I was spending money for myself. Mr Robert explained the issues one after another and I was simply impressed with the examples. After lots of arguments, I admitted that I made mistakes in money management. He advised me to never to lose money. Actually, I used to spend unnecessarily. And I told him the matters to get some good suggestions. In the end, I got a different insight. I decided to cut my coat according to my clothes. And also pledged to be careful in future about money management. The discussion attracted me for its nature. I was unfamiliar with the ways of savings. And after the detail estimation, it was evident that I was in the wrong direction. Accordingly, I started following his advice and find everything right with me. Interestingly, I did the opposite things that Mr Robert suggested me this time.   More Ideas to talk about this Cue Card/ Candidate Task Card topic: Topic: Describe an interesting discussion you had about how you spend your money. 1. I had an interesting discussion with Ms Sofia. I am an investor here in Yorkshire and she is my financial advisor. I needed some suggestion on planning for an investment at a foreign company. The result of the discussion was effective for me. She asked me to record my previous expenses and then calculate the amount I have for the investment. I felt interested in her advice and it proved effective for me. 2. Spending money is hard if you do not have a budget. So, I have a conversation about it with a friend named Julius. He is a lawyer in Spain and works for the government too. I discussed with him for a few reasons. He gave me some valuable suggestions about the necessity of the budget. I was not aware of them before. The discussion was interesting as it changed my ideas and beliefs about spending money. In fact, I got some new insights. 3. Saving money is a good habit and I got some ideas about it. I had a small discussion with Maria about saving money and spending it. Actually, I needed to know about the exact process to spend money. Finally, I got the ideas to save them and spend them later. It was an interesting discussion because she came up with the ideas to save money first before spending them. I just followed her advice and it proved beneficial to me. 4. While spending money, I was unable to set my priorities. So, I used to spend unnecessarily. My wife Samantha had helped me greatly in this case. I just wanted to set my priorities about spending money on things I need. Later, she came up with some innovative ideas that I was unfamiliar with before the discussion. Thereby, it was an effective discussion with her and we laughed a lot about the spending issues. It was interesting indeed. 5. Before the discussion with Mr Watson, I used to spend a lot of things regardless of my necessity. So, I was in debt. And needed some useful tips for me. He gave me some instructions on how to cut costs and save money. It was greatly useful to me. the discussion was interesting for some reasons. I pointed out some specific issues that he made me focus on. 6. Recently I had an effective discussion with my elder sister, Rosy. She advised me about spending money on different issues. In fact, I fell in some bank debts for using my credit cards. So, I needed some effective solutions to this problem. She advised me to reduce the use of credit cards and spend in cash. Interestingly, my expenses were reduced to a remarkable extent. The conversation was interesting and she explained how credit cards allure us to spend more.   Similar other cue card topics that you should be able to answer with your preparation for this cue card topic: 1. Describe an interesting conversation with someone you did not know before. 2. Describe an interesting discussion you had with one of your friends. 3. Describe something you learn from a conversation you had with someone.
You use this word too often, consider replacing it with
Describe
an
You use this word too often, consider replacing it with
interesting
You use this word too often, consider replacing it with
discussion
you had with
You use this word too often, consider replacing it with
someone
about how you
You use this word too often, consider replacing it with
spend
your
You use this word too often, consider replacing it with
money
. You should say: who you had the
You use this word too often, consider replacing it with
discussion
with why you discussed this
You use this word too often, consider replacing it with
topic
what the result of the
You use this word too often, consider replacing it with
discussion
was and
This phrase/word (depending on the context) can be potentially replaced with :
explain
why this
You use this word too often, consider replacing it with
discussion
was
You use this word too often, consider replacing it with
interesting
for you. [You will
This phrase/word is too simple and can be replaced with:
have to
talk about the
You use this word too often, consider replacing it with
topic
for one to two minutes. You have one minute to
This phrase/word (depending on the context) can be potentially replaced with :
think
about what you’re going to say. You can
This phrase/word (depending on the context) can be potentially replaced with :
make
This phrase/word is too simple and can be replaced with:
some
notes to
This phrase/word (depending on the context) can be potentially replaced with :
help
you if you wish.
Loose punctuation mark.
]
Possible typo: you repeated a whitespace
 
Model
You use this word too often, consider replacing it with
Answer
1:

I don’t
normally
like to discuss my private matters with anybody unless,
of course
, I have a
This phrase/word is too simple and can be replaced with:
very
valid reason to do
so
.
This phrase/word is too simple and can be replaced with:
But
, the other day, I was
casually
doing exactly that with one of my senior
You use this word too often, consider replacing it with
cousins
, who made the
You use this word too often, consider replacing it with
discussion
rather
interesting.

Of course
, I didn’t exactly want to
This phrase/word (depending on the context) can be potentially replaced with :
get
drawn into this sort of
You use this word too often, consider replacing it with
discussion
,
This phrase/word is too simple and can be replaced with:
but
when my
You use this word too often, consider replacing it with
cousin
asked me about my
You use this word too often, consider replacing it with
future
plan or how I was
You use this word too often, consider replacing it with
spending
and managing my
You use this word too often, consider replacing it with
money
, I
This phrase/word (depending on the context) can be potentially replaced with :
thought
that there was no harm in discussing the subject. In
You use this word too often, consider replacing it with
fact
, I decided to have that
You use this word too often, consider replacing it with
discussion
,
mainly
This phrase/word is too simple and can be replaced with:
because
I wasn’t
really
doing that
well
financially
even though
I was
You use this word too often, consider replacing it with
earning
a
reasonably
This phrase/word (depending on the context) can be potentially replaced with :
good
amount of
You use this word too often, consider replacing it with
money
from my job. And, I
This phrase/word (depending on the context) can be potentially replaced with :
told
that to my
You use this word too often, consider replacing it with
cousin
, he
This phrase/word (depending on the context) can be potentially replaced with :
told
me that
You use this word too often, consider replacing it with
earning
You use this word too often, consider replacing it with
enough
You use this word too often, consider replacing it with
money
wasn’t
This phrase/word is too simple and can be replaced with:
just
You use this word too often, consider replacing it with
enough
to have a secured financial
You use this word too often, consider replacing it with
future
unless we were using the
You use this word too often, consider replacing it with
money
in creating tangible assets.

In
You use this word too often, consider replacing it with
fact
, he gave me an account of how he
successfully
turned around his failing business about a few years ago by
wisely
investing his
This phrase/word is too simple and can be replaced with:
little
You use this word too often, consider replacing it with
savings
.
So
, again, according to him,
You use this word too often, consider replacing it with
earning
You use this word too often, consider replacing it with
enough
You use this word too often, consider replacing it with
money
wasn’t
This phrase/word is too simple and can be replaced with:
just
You use this word too often, consider replacing it with
enough
as one would
also
need to find a way to invest it
properly
with a long term plan by factoring out the
You use this word too often, consider replacing it with
future
inflation.
Anyway
, the
You use this word too often, consider replacing it with
discussion
was not
This phrase/word (depending on the context) can be potentially replaced with :
only
getting more and more
You use this word too often, consider replacing it with
interesting
This phrase/word is too simple and can be replaced with:
but
also
getting more and complicated.
Finally
, the
You use this word too often, consider replacing it with
discussion
ended with a piece of
You use this word too often, consider replacing it with
advice
from my
You use this word too often, consider replacing it with
cousin
that we should have never spent more
You use this word too often, consider replacing it with
money
than we would earn.

Anyway
, the
You use this word too often, consider replacing it with
discussion
was
really
fascinating for me
This phrase/word is too simple and can be replaced with:
because
it taught me a few
You use this word too often, consider replacing it with
effective
tricks not
This phrase/word (depending on the context) can be potentially replaced with :
only
to
You use this word too often, consider replacing it with
save
You use this word too often, consider replacing it with
money
This phrase/word is too simple and can be replaced with:
but
also
to invest them
wisely
at the
right
time.
Besides
, the
You use this word too often, consider replacing it with
conversation
also
taught me how to create and maintain a link with
financially
successful
This phrase/word (depending on the context) can be potentially replaced with :
people
who could always teach us a thing or two on how to become a successful entrepreneur even when one doesn’t have any
You use this word too often, consider replacing it with
money
at all.
Finally
, the
You use this word too often, consider replacing it with
discussion
was
also
You use this word too often, consider replacing it with
interesting
This phrase/word is too simple and can be replaced with:
because
it taught me how to diversify my
This phrase/word (depending on the context) can be potentially replaced with :
skills
and
You use this word too often, consider replacing it with
money
You use this word too often, consider replacing it with
earning
abilities.
Possible typo: you repeated a whitespace
 
Sample
You use this word too often, consider replacing it with
Answer
2:

I always wanted to
You use this word too often, consider replacing it with
spend
my
You use this word too often, consider replacing it with
money
after my will
This phrase/word is too simple and can be replaced with:
but
the recent
You use this word too often, consider replacing it with
discussion
about
You use this word too often, consider replacing it with
spending
You use this word too often, consider replacing it with
money
had
This phrase/word (depending on the context) can be potentially replaced with :
changed
my former concept. I had a fruitful
You use this word too often, consider replacing it with
discussion
with Mr Robert, a senior professor at my college in Florida. He teaches economics at the graduate level and a
This phrase/word (depending on the context) can be potentially replaced with :
man
of letters. He believed that
This phrase/word (depending on the context) can be potentially replaced with :
people
should have
You use this word too often, consider replacing it with
money
in the head, not in the heart.
You use this word too often, consider replacing it with
Money
is
This phrase/word (depending on the context) can be potentially replaced with :
only
a tool.
This phrase/word is too simple and can be replaced with:
But
it will not
This phrase/word (depending on the context) can be potentially replaced with :
make
the things done until
You use this word too often, consider replacing it with
someone
This phrase/word (depending on the context) can be potentially replaced with :
uses
it
correctly
.
Overall
, it was a pleasant
You use this word too often, consider replacing it with
discussion
with him. This is a smart
You use this word too often, consider replacing it with
cue
You use this word too often, consider replacing it with
card
task for me. I will
You use this word too often, consider replacing it with
answer
the other questions
gladly
.

Mr Robert was taking a
This phrase/word (depending on the context) can be potentially replaced with :
class
about
You use this word too often, consider replacing it with
spending
and
You use this word too often, consider replacing it with
saving
You use this word too often, consider replacing it with
money
. In
You use this word too often, consider replacing it with
fact
, he
This phrase/word (depending on the context) can be potentially replaced with :
owned
This phrase/word is too simple and can be replaced with:
some
ideologies. He never spent
You use this word too often, consider replacing it with
money
You use this word too often, consider replacing it with
before
having that.
So
, he was talking to the
This phrase/word (depending on the context) can be potentially replaced with :
class
about
You use this word too often, consider replacing it with
money
management. After the
This phrase/word (depending on the context) can be potentially replaced with :
class
, I went to
This phrase/word (depending on the context) can be potentially replaced with :
meet
Use a comma before 'and' if it connects two independent clauses (unless they are closely connected and short).
him and
he
This phrase/word (depending on the context) can be potentially replaced with :
explained
everything to me. I wanted to justify the way I was
You use this word too often, consider replacing it with
spending
You use this word too often, consider replacing it with
money
for myself. Mr Robert
This phrase/word (depending on the context) can be potentially replaced with :
explained
the
You use this word too often, consider replacing it with
issues
one after
Use a comma before 'and' if it connects two independent clauses (unless they are closely connected and short).
another and
I was
simply
impressed with the examples.

After lots of arguments, I admitted that I made mistakes in
You use this word too often, consider replacing it with
money
management. He advised me
One 'to' seems to be obsolete.
to never to
lose
You use this word too often, consider replacing it with
money
.
Actually
, I
This phrase/word (depending on the context) can be potentially replaced with :
used
to
You use this word too often, consider replacing it with
spend
unnecessarily
. And I
This phrase/word (depending on the context) can be potentially replaced with :
told
him the matters to
This phrase/word (depending on the context) can be potentially replaced with :
get
This phrase/word is too simple and can be replaced with:
some
This phrase/word (depending on the context) can be potentially replaced with :
good
suggestions. In the
This phrase/word (depending on the context) can be potentially replaced with :
end
, I
You use this word too often, consider replacing it with
got
a
This phrase/word is too simple and can be replaced with:
different
insight. I decided to
This phrase/word (depending on the context) can be potentially replaced with :
cut
my coat according to my clothes. And
also
pledged to be careful in
You use this word too often, consider replacing it with
future
about
You use this word too often, consider replacing it with
money
management.

The
You use this word too often, consider replacing it with
discussion
attracted me for its nature. I was unfamiliar with the ways of
You use this word too often, consider replacing it with
savings
. And after the detail estimation, it was evident that I was in the
This phrase/word is too simple and can be replaced with:
wrong
direction.
Accordingly
, I
This phrase/word (depending on the context) can be potentially replaced with :
started
following his
You use this word too often, consider replacing it with
advice
and find everything
right
with me.
Interestingly
, I did the opposite things that Mr Robert suggested me this time.
Possible typo: you repeated a whitespace
 
More
You use this word too often, consider replacing it with
Ideas
to talk about this
You use this word too often, consider replacing it with
Cue
Card/ Candidate Task
You use this word too often, consider replacing it with
Card
You use this word too often, consider replacing it with
topic
:
You use this word too often, consider replacing it with
Topic
:
You use this word too often, consider replacing it with
Describe
an
You use this word too often, consider replacing it with
interesting
You use this word too often, consider replacing it with
discussion
you had about how you
You use this word too often, consider replacing it with
spend
your
You use this word too often, consider replacing it with
money
. 1. I had an
You use this word too often, consider replacing it with
interesting
You use this word too often, consider replacing it with
discussion
with Ms Sofia. I am an investor here in
Use a comma before 'and' if it connects two independent clauses (unless they are closely connected and short).
Yorkshire and
she is my financial advisor.
Three successive sentences begin with the same word. Consider rewording the sentence or use a thesaurus to find a synonym.
I
You use this word too often, consider replacing it with
needed
This phrase/word is too simple and can be replaced with:
some
suggestion on planning for an investment at a foreign
This phrase/word (depending on the context) can be potentially replaced with :
company
. The result of the
You use this word too often, consider replacing it with
discussion
was
You use this word too often, consider replacing it with
effective
for me. She asked me to record my previous expenses and then calculate the amount I have for the investment. I felt interested in her
You use this word too often, consider replacing it with
advice
and it proved
You use this word too often, consider replacing it with
effective
for me.

2.
You use this word too often, consider replacing it with
Spending
You use this word too often, consider replacing it with
money
is
This phrase/word (depending on the context) can be potentially replaced with :
hard
if you do not have a budget.
So
, I have a
You use this word too often, consider replacing it with
conversation
about it with a friend named Julius. He is a lawyer in Spain and works for the
This phrase/word (depending on the context) can be potentially replaced with :
government
too. I discussed with him for a few reasons. He gave me
This phrase/word is too simple and can be replaced with:
some
valuable suggestions about the necessity of the budget. I was not aware of them
You use this word too often, consider replacing it with
before
. The
You use this word too often, consider replacing it with
discussion
was
You use this word too often, consider replacing it with
interesting
as it
This phrase/word (depending on the context) can be potentially replaced with :
changed
my
You use this word too often, consider replacing it with
ideas
and beliefs about
You use this word too often, consider replacing it with
spending
You use this word too often, consider replacing it with
money
. In
You use this word too often, consider replacing it with
fact
, I
You use this word too often, consider replacing it with
got
This phrase/word is too simple and can be replaced with:
some
new insights.

3.
You use this word too often, consider replacing it with
Saving
You use this word too often, consider replacing it with
money
is a
This phrase/word (depending on the context) can be potentially replaced with :
good
habit and I
You use this word too often, consider replacing it with
got
This phrase/word is too simple and can be replaced with:
some
You use this word too often, consider replacing it with
ideas
about it. I had a
This phrase/word is too simple and can be replaced with:
small
You use this word too often, consider replacing it with
discussion
with Maria about
You use this word too often, consider replacing it with
saving
You use this word too often, consider replacing it with
money
and
You use this word too often, consider replacing it with
spending
it.
Actually
, I
You use this word too often, consider replacing it with
needed
to know about the exact process to
You use this word too often, consider replacing it with
spend
You use this word too often, consider replacing it with
money
.
Finally
, I
You use this word too often, consider replacing it with
got
the
You use this word too often, consider replacing it with
ideas
to
You use this word too often, consider replacing it with
save
them and
You use this word too often, consider replacing it with
spend
them later. It was an
You use this word too often, consider replacing it with
interesting
You use this word too often, consider replacing it with
discussion
This phrase/word is too simple and can be replaced with:
because
she came up with the
You use this word too often, consider replacing it with
ideas
to
You use this word too often, consider replacing it with
save
You use this word too often, consider replacing it with
money
first
You use this word too often, consider replacing it with
before
You use this word too often, consider replacing it with
spending
them. I
This phrase/word is too simple and can be replaced with:
just
followed her
You use this word too often, consider replacing it with
advice
and it proved beneficial to me.

4. While
You use this word too often, consider replacing it with
spending
You use this word too often, consider replacing it with
money
, I was unable to set my priorities.
So
, I
This phrase/word (depending on the context) can be potentially replaced with :
used
to
You use this word too often, consider replacing it with
spend
unnecessarily
. My wife Samantha had
This phrase/word (depending on the context) can be potentially replaced with :
helped
me
greatly
in this case
. I
This phrase/word is too simple and can be replaced with:
just
wanted to set my priorities about
You use this word too often, consider replacing it with
spending
You use this word too often, consider replacing it with
money
on things I need. Later, she came up with
This phrase/word is too simple and can be replaced with:
some
innovative
You use this word too often, consider replacing it with
ideas
that I was unfamiliar with
You use this word too often, consider replacing it with
before
the
You use this word too often, consider replacing it with
discussion
. Thereby, it was an
You use this word too often, consider replacing it with
effective
You use this word too often, consider replacing it with
discussion
with
Use a comma before 'and' if it connects two independent clauses (unless they are closely connected and short).
her and
we laughed a lot about the
You use this word too often, consider replacing it with
spending
You use this word too often, consider replacing it with
issues
. It was
You use this word too often, consider replacing it with
interesting
indeed
.

5.
You use this word too often, consider replacing it with
Before
the
You use this word too often, consider replacing it with
discussion
with Mr Watson, I
This phrase/word (depending on the context) can be potentially replaced with :
used
to
You use this word too often, consider replacing it with
spend
This phrase/word is too simple and can be replaced with:
a lot of
things regardless of my necessity.
So
, I was in debt. And
You use this word too often, consider replacing it with
needed
This phrase/word is too simple and can be replaced with:
some
useful tips for me. He gave me
This phrase/word is too simple and can be replaced with:
some
instructions on how to
This phrase/word (depending on the context) can be potentially replaced with :
cut
costs and
You use this word too often, consider replacing it with
save
You use this word too often, consider replacing it with
money
. It was
greatly
useful to me. the
You use this word too often, consider replacing it with
discussion
was
You use this word too often, consider replacing it with
interesting
for
This phrase/word is too simple and can be replaced with:
some
reasons. I pointed out
This phrase/word is too simple and can be replaced with:
some
specific
You use this word too often, consider replacing it with
issues
that he made me focus on.

6. Recently I had an
You use this word too often, consider replacing it with
effective
You use this word too often, consider replacing it with
discussion
with my elder sister, Rosy. She advised me about
You use this word too often, consider replacing it with
spending
You use this word too often, consider replacing it with
money
on
This phrase/word is too simple and can be replaced with:
different
You use this word too often, consider replacing it with
issues
. In
You use this word too often, consider replacing it with
fact
, I fell in
This phrase/word is too simple and can be replaced with:
some
bank debts for using my credit
You use this word too often, consider replacing it with
cards
.
So
, I
You use this word too often, consider replacing it with
needed
This phrase/word is too simple and can be replaced with:
some
You use this word too often, consider replacing it with
effective
solutions to this problem. She advised me to
This phrase/word (depending on the context) can be potentially replaced with :
reduce
the
This phrase/word (depending on the context) can be potentially replaced with :
use
of credit
You use this word too often, consider replacing it with
cards
and
You use this word too often, consider replacing it with
spend
in cash.
Interestingly
, my expenses were
This phrase/word (depending on the context) can be potentially replaced with :
reduced
to a remarkable extent. The
You use this word too often, consider replacing it with
conversation
was
Use a comma before 'and' if it connects two independent clauses (unless they are closely connected and short).
interesting and
she
This phrase/word (depending on the context) can be potentially replaced with :
explained
how credit
You use this word too often, consider replacing it with
cards
allure us to
You use this word too often, consider replacing it with
spend
more.
Possible typo: you repeated a whitespace
 
Similar other
You use this word too often, consider replacing it with
cue
You use this word too often, consider replacing it with
card
You use this word too often, consider replacing it with
topics
that you should be able to
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answer
with your preparation for this
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cue
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card
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topic: 1
.
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Describe
an
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interesting
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conversation
with
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someone
you did not know
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before. 2
.
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Describe
an
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interesting
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discussion
you had with one of your friends.

3.
Three successive sentences begin with the same word. Consider rewording the sentence or use a thesaurus to find a synonym.
Describe
something you learn from a
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conversation
you had with
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someone
.
22Linking words, meeting the goal of 7 or more
193Repeated words, meeting the goal of 3 or fewer
13Mistakes

IELTS speaking Describe an interesting discussion you had with someone about how you spend your money. v. 1

Speaking
  American English
17 paragraphs
1291 words
5.5
Overall Band Score
Coherence and Cohesion: 5.5
  • Structure your answers in logical paragraphs
  • ?
    One main idea per paragraph
  • ?
    Include an introduction and conclusion
  • ?
    Support main points with an explanation and then an example
  • Use cohesive linking words accurately and appropriately
  • ?
    Vary your linking phrases using synonyms
Lexical Resource: 5.5
  • Try to vary your vocabulary using accurate synonyms
  • Use less common question specific words that accurately convey meaning
  • Check your work for spelling and word formation mistakes
Grammatical Range: 5.5
  • Use a variety of complex and simple sentences
  • Check your writing for errors
Task Achievement: 5.0
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • ?
    Support ideas with relevant, specific examples
Labels Descriptions
  • ?
    Currently is not available
  • Meet the criteria
  • Doesn't meet the criteria
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