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Budget – A plan for managing income and expenses.

Expenses – Money spent on goods and services.

Fixed Income – A stable and regular source of income.

Income – Money earned from work, investments, or other sources.

Needs – Essential expenses necessary for living.

Wants – Non-essential expenses for comfort or enjoyment.

Debt – Money owed to others, such as loans or credit.

Unexpected Expenses – Unplanned costs that arise suddenly.

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1. Budget: Its a plan that helps manage income and expenses to avoid spending beyond your means.

2. Expenses: These are the money we spend on daily needs and obligations.

3. Fixed Income: This is income that comes in a consistent amount, like a salary or pension.

4. Income: These are all the money we earn or receive over a certain period.

5. Needs: These are essential things for life, such as food, housing, and medical services.

6. Wants: These are things or services that make life more enjoyable, but are not necessary.

7. Debt: This is money that we owe and need to repay in the future.

8. Unexpected Expenses: These are costs that come up suddenly, like a broken appliance or emergency medical expenses.

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Saving money gives you a financial cushion for emergencies, helps you reach your goals, and provides security.Also it prepares you for unexpected expenses, such as car repairs or medical bills, without relying on credit.Whether it's buying a home, starting a business, or traveling, savings help you reach long-term objectives.

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Budget – A plan for managing income and expenses.

Expenses – The money spent on goods or services.

Fixed Income – Regular and consistent income received over time.

Income – The total money earned from work or investments.

Needs – Essential goods and services required for basic living.

Wants – Non-essential items that improve the quality of life.

Debt – Money borrowed that must be paid back over time.

Unexpected Expenses – Unplanned costs that a

rise unexpectedly.

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Grmpy-24 Орунтурды Ануар

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Grmpy-24 Орунтурды Ануар

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Budget: A budget is a plan that outlines your income and expenses over a specific period.

Expenses: Expenses are the costs of goods and services you pay for regularly.

Fixed Income: Fixed income is a consistent amount of money received regularly, such as a salary or pension.

Income: Income is the money you earn from work, investments, or other sources.

Needs: Needs are essential items or services necessary for daily living, like food and shelter.

Wants: Wants are non-essential items or services that improve your quality of life, like entertainment or luxury items.

Debt: Debt is money you owe to others, such as loans or credit card balances.

Unexpected Expenses: Unexpected expenses are unplanned costs that arise suddenly, like medical bills or car repairs.

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1.	Budget – I create a budget to track my monthly income and expenses 

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1.	Budget – I create a budget to track my monthly income and expenses 

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2. Expenses – My monthly expenses include utility bills, groceries, and transportation.

3. Fixed Income – My fixed income consists of my salary and pension.

4. Income – I earn additional income through freelance work.

5. Needs – Food, housing, and healthcare are basic human needs.

6. Wants – Buying a new phone is not a need but a want.

7. Debt – I took out a loan and pay it off in monthly installments.

8. Unexpected – Unexpected expenses can arise due to medical emergencies.

Нұртай әмірбек грмпи 24

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ГРМПИ-24-1  Оразбек Мансур 

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ГРМПИ-24-1  Оразбек Мансур 

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A budget helps families manage their income and expenses, save money, and prepare for unexpected expenses.

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Манкешов Марат

Budget – A budget helps you manage your money wisely.

Expenses – My monthly expenses include rent, food, and transportation.

Fixed Income – He lives on a fixed income from his pension.

Income – Her income after she got a promotion.

Needs – Food and shelter are basic human needs.

Wants – A new phone is a want, not a need.

Debt – He is trying to pay off his student debt.

Unexpected Expenses – Car repairs are an example of unexpected expenses.

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ГРМПИ-24-1 Болатбек Бекарыс

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ГРМПИ-24-1 Болатбек Бекарыс

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1. Budget – I create a budget to keep track of my monthly expenses.

2. Expenses – My utility bills and groceries make up the biggest part of my expenses.

3. Fixed Income – My salary is a fixed income because I receive the same amount every month.

4. Income – As an extra income, I earn money through freelancing.

5. Needs – Basic needs include food, shelter, and healthcare.

6. Wants – Buying a new phone is not a need; it’s just a want.

7. Debt – I try to pay off my student loan on time.

8. Unexpected Expenses – My car suddenly broke down, leading to unexpected expenses.

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Create a Budget, track your income and expenses to see where your money goes

Set Savings Goals, decide on clear,

achievable targets—like building an emergency fund or saving for a vacation

Automate Savings, set up automatic transfers from your checking account to a savings account right after you get paid.

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budget - plan how you spend and manage money ( бюджет)

expenses - money what you spend for needs or wants (затраты)

fixed income - its like a salary, you get a fixed amount every month,provides stability

( фиксированный доход)

income - its like a fixed income only income has the potential for higher returns but carries more risk.(доход)

needs - its a things which you necessary (потребности)

wants - its what you want to buy( хотелки)

debt - its when you take money from someone for time period ( долг)

unexpected expenses- are costs that arise suddenly and are not part of your regular budget. ( непредвиденные растраты)

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Key Terms

1.Budget – A plan for managing income and expenses.

(Бюджет) – Кіріс пен шығысты басқару жоспары.

2.Expenses – Money spent on goods and services.

(Шығындар) – Тауарлар мен қызметтерге жұмсалған ақша.

3.Fixed Income – A set amount of money received regularly, such as a salary or pension.

(Тұрақты кіріс) – Жалақы немесе зейнетақы сияқты тұрақты түрде алынатын ақша.

4.Income – Money earned from work, investments, or other sources.

(Кіріс) – Жұмыстан, инвестициялардан немесе басқа көздерден алынатын ақша.

5.Needs – Essential things required for living, such as food, housing, and healthcare.

(Қажеттіліктер) – Тамақ, баспана, денсаулық сақтау сияқты өмір сүруге қажет негізгі заттар.

6.Wants – Non-essential items that people desire, like luxury goods or entertainment.

(Қалаулар) – Люкс тауарлар немесе ойын-сауық сияқты міндетті емес, бірақ адамдардың қалайтын заттары.

7.Debt – Money borrowed that must be repaid.

(Қарыз) – Қайтарылуы қажет алынған ақша.

8.Unexpected Expenses – Sudden costs that were not planned, such as medical bills or car repairs.

(Күтпеген шығындар) – Медициналық төлемдер немесе көлік жөндеу сияқты алдын ала жоспарланбаған шығындар.

To save money:

•Create a budget and track your income and expenses.

•Set clear savings goals.

•Automate transfers to your savings account.

•Cut back on unnecessary spending.

•Regularly review your progress.

Saving money is essential because it provides financial security, helps cover unexpected expenses, and enables you to invest in your future goals.

— Erulan

Budget

A Budget is a plan that a family or a person creates to spend and save money. It sets aside a sum of money needed for a given purpose and helps a person understand how much they are spending and saving

1.Importance of a Budget:

A budget helps you plan your spending and saving, ensuring you live within your means.

2.Spending More Than You Earn:

Overspending can lead to debt and financial instability.

3.Avoiding Overspending:

Track your expenses, distinguish between needs and wants, and stick to your budget.

4.Reading and Paying Bills:

Reviewing bills ensures accuracy, and timely payments keep your budget on track and avoid extra fees.

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1. Importance of a Budget:

A budget helps you plan your spending and saving, ensuring you live within your means.

2. Spending More Than You Earn:

Overspending can lead to debt and financial instability.

3. Avoiding Overspending:

Track your expenses, distinguish between needs and wants, and stick to your budget.

4. Reading and Paying Bills:

Reviewing bills ensures accuracy, and timely payments keep your budget on track and avoid extra fees.

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Нұртай Әмірбек Грмпи 24

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Нұртай Әмірбек Грмпи 24

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1. Budget – A plan for managing income and expenses.

Бюджет – Кіріс пен шығысты басқару жоспары.

2. Expenses – Money spent on goods and services.

Шығындар – Тауарлар мен қызметтерге жұмсалған ақша.

3. Fixed Income – A stable and regular amount of money earned.

Тұрақты табыс – Белгілі бір тұрақты және тұрақты түрде түсетін ақша.

4. Income – Money earned from work or investments.

Табыс – Жұмыстан немесе инвестициялардан алынатын ақша.

5. Needs – Essential items required for survival, such as food and shelter.

Қажеттіліктер – Азық-түлік, баспана сияқты өмір сүруге қажетті заттар.

6. Wants – Non-essential items that people desire but do not need.

Қалаулар – Адамдардың қажет емес, бірақ иеленгісі келетін заттары.

7. Debt – Money that is borrowed and must be repaid.

Қарыз – Қарызға алынған және қайтарылуы тиіс ақша.

8. Unexpected Expenses – Costs that arise suddenly and are not planned.

Күтпеген шығындар – Кенеттен пайда болатын және жоспарланбаған шығындар.

2.To save money:

• Create a budget and track your income and expenses.

• Set clear savings goals.

• Automate transfers to your savings account.

• Cut back on unnecessary spending.

• Regularly review your progress.

3.Warren Buffett:

“Do not save what is left after spending, but spend what is left after saving.”

This means saving money should be a priority before spending, as it ensures financial stability and long-term security.

4.Budget

A budget is a plan that a family or a person creates to manage income, spending, and savings. It helps allocate a specific amount of money for different needs and ensures financial stability. By following a budget, a person can track expenses, control overspending, and work towards financial goals.

5.Class Discussion

1. Why do you think a budget is important in healthy family/personal financial planning?

A budget is important because it helps individuals and families manage their income and expenses effectively. It ensures that essential needs are met, prevents unnecessary debt, and helps achieve financial goals such as savings, investments, or major purchases. Without a budget, people may struggle to control their spending and face financial instability.

2. What happens if we spend more than we earn?

If we spend more than we earn, we may accumulate debt, struggle to pay for necessities, and face financial stress. Over time, continuous overspending can lead to borrowing money, high-interest payments, and even financial crises like bankruptcy.

3. How can we avoid overspending?

• Create and follow a budget.

• Track expenses regularly to see where money is going.

• Differentiate between needs and wants.

• Use cash instead of credit cards to control impulse purchases.

• Set financial goals and prioritize savings.

4. Why is it important to read your bills and how does paying bills relate to budgeting?

Reading your bills is important to ensure accuracy and avoid overcharges. It also helps track expenses and understand how much money is going toward different needs, such as utilities, rent, or subscriptions. Paying bills on time prevents late fees, improves credit scores, and ensures that essential services remain active. In budgeting, setting aside money for bills ensures that they are paid without affecting other financial obligations.

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ГРМПИ-24-1 Болатбек Бекарыс

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ГРМПИ-24-1 Болатбек Бекарыс

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Ex1. Key terms

1. Budget – A plan for managing income and expenses over a certain period.
(Бюджет – Кіріс пен шығысты белгілі бір уақытқа жоспарлау.)

2. Expenses – Money spent on goods, services, or other financial obligations.
(Шығындар – Тауарлар, қызметтер немесе басқа қаржылық міндеттемелерге жұмсалған ақша.)

3. Fixed Income – A stable and regular income that does not change over time, like a salary or pension.
(Тұрақты кіріс – Уақыт өте өзгермейтін тұрақты табыс, мысалы, жалақы немесе зейнетақы.)

4. Income – Money received from work, investments, or other sources.
(Кіріс – Жұмыс, инвестициялар немесе басқа көздерден алынатын ақша.)

5. Needs – Essential things required for living, such as food, shelter, and clothing.
(Қажеттіліктер – Тамақ, баспана, киім сияқты өмір сүруге қажет негізгі заттар.)

6. Wants – Non-essential desires, such as entertainment, luxury items, or travel.
(Қалау – Ойын-сауық, сәнді заттар немесе саяхат сияқты міндетті емес нәрселер.)

7. Debt – Money borrowed that must be repaid, often with interest.
(Қарыз – Қайтарылуы тиіс, көбінесе пайызбен алынған ақша.)

8. Unexpected Expenses – Costs that arise suddenly and are not planned for, such as medical bills or car repairs.
(Күтпеген шығындар – Медициналық төлемдер немесе көлік жөндеу сияқты күтпеген шығындар.

Ex2. How do we save money?

To save money, we need to spend wisely, plan our budget properly, and regularly set aside a portion of our income.

It is important to avoid unnecessary expenses, compare prices before making purchases, and prioritize needs over wants. Investing in long-term savings options, reducing debt, and taking advantage of discounts and cashback offers can also help. Automating savings through direct transfers to a savings account and tracking expenses can identify areas for improvement.

Ex3. Why do you need to save money?

I need to save money because it provides financial security, helps me achieve my future goals, and prepares me for unexpected expenses. Saving also allows me to invest, reduce financial stress, and ensure a comfortable retirement.

— Bekarys

Ex4 Class Discussion

1. Why is a budget important in healthy family/personal financial planning?
A budget helps manage income and expenses effectively, ensuring that essential needs like food, housing, and healthcare are met. It allows for saving, emergency preparedness, and financial stability while preventing unnecessary debt.

2. What happens if we spend more than we earn?
Overspending leads to debt, financial stress, and difficulty covering necessary expenses. It can result in borrowing money, accumulating interest, and struggling to achieve financial goals like homeownership or retirement savings.

3. How can we avoid overspending?

Track income and expenses regularly.

Set spending limits based on priorities.

Differentiate between needs and wants.

Use cash or debit cards instead of credit for unnecessary purchases.

Save before spending on non-essential items.

4. Why is it important to read your bills, and how does paying bills relate to budgeting?
Reading bills ensures accuracy, prevents overcharges, and helps detect fraud or errors. Paying bills on time avoids late fees, maintains a good credit score, and keeps financial plans on track. Budgeting includes allocating funds for bills, ensuring all necessary expenses are covered before spending on leisure activities.

Ex5 Budget

That's a good definition of a budget! A budget is essentially a financial plan that helps individuals or families manage their income and expenses. It ensures that money is allocated for essential needs, savings, and other financial goals.

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Budget

A Budget is a plan that a family or a person creates to spend and save money. It sets aside a sum of money needed for a given purpose and helps a person understand how much they are spending and saving

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Saving money is essential because it provides financial security, helps cover unexpected expenses, and enables you to invest in your future goals.

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Әбдіреш Өмірзақ грмпи

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Әбдіреш Өмірзақ грмпи

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Key Terms and Their Meanings (with Kazakh Translation)

1. Budget (Бюджет) – A plan for spending and saving money. It helps manage income and expenses wisely.

Қаржы жұмсау мен жинақтау жоспары. Ол табысты және шығындарды ақылмен басқаруға көмектеседі.

2. Expenses (Шығындар) – Money spent on goods and services, such as rent, food, and transportation.

Тауарлар мен қызметтерге жұмсалатын ақша, мысалы, жалдау ақысы, тамақ, көлік.

3. Fixed Income (Тұрақты табыс) – A steady amount of money earned regularly, such as a salary or pension.

Үнемі алынатын тұрақты ақша сомасы, мысалы, жалақы немесе зейнетақы.

4. Income (Табыс) – Money earned from work, business, or other sources.

Жұмыс, бизнес немесе басқа көздерден алынатын ақша.

5. Needs (Қажеттіліктер) – Essential things required for living, like food, shelter, and healthcare.

Өмір сүру үшін қажетті заттар, мысалы, тамақ, баспана, медицина.

6. Wants (Қалау) – Non-essential things that people desire, such as luxury items or entertainment.

Адамдардың қалайтын, бірақ өмір сүруге аса қажет емес заттары, мысалы, сәнді тауарлар немесе ойын-сауық.

7. Debt (Қарыз) – Money that is borrowed and must be repaid, often with interest.

Қарызға алынған және әдетте пайызымен қайтарылуы тиіс ақша.

8. Unexpected Expenses (Күтпеген шығындар) – Costs that arise suddenly, like medical bills or car repairs.

Кенеттен пайда болатын шығындар, мысалы, медициналық төлемдер немесе көлік жөндеу.

2 тапсырма

Budget (Бюджет) – A plan created by a person or family to manage spending and saving money. It sets aside a specific amount for necessary purposes, helping a person track how much they are spending and saving.

Қаржы жұмсау мен жинақтау үшін адам немесе отбасы жасайтын жоспар. Бұл жоспар қажетті мақсаттарға ақша бөлуге көмектеседі, сондай-ақ адамның қанша ақша жұмсап, қанша жинап жатқанын бақылауға мүмкіндік береді.

To save money:

• Create a budget and track your income and expenses.

• Set clear savings goals.

• Automate transfers to your savings account.

• Cut back on unnecessary spending.

• Regularly review your progress.

3 тапсырма

Saving money is essential because it provides financial security, helps cover unexpected expenses, and enables you to invest in your future goals.

— omirzak

4 тапсырма

Budget

A Budget is a plan that a family or a person creates to spend and save money. It sets aside a sum of money needed for a given purpose and helps a person understand how much they are spending and saving

5 тапсырма

1. Importance of a Budget:

A budget helps you plan your spending and saving, ensuring you live within your means.

2. Spending More Than You Earn:

Overspending can lead to debt and financial instability.

3. Avoiding Overspending:

Track your expenses, distinguish between needs and wants, and stick to your budget.

4. Reading and Paying Bills:

Reviewing bills ensures accuracy, and timely payments keep your budget on track and avoid extra fees.

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1 Budget ( Бюджет ) - a spending plan that outlines your income, expenses, and other financial goals, such as savings and paying off debt

2. Expenses (Расход) - Expenses

are costs that lead to a reduction in economic benefits as a result of the disposal of assets

3. Fixed Income (Фиксированный доход) - an income from a pension or investment that is set at a particular figure and does not vary (as a dividend) or rise with the rate of inflation.

4. Income (Доход)- money received, especially on a regular basis, for work or through investments.

5. Needs (Потребности)-*of necessity

6. Wants (Хотения)- have a desire to possess or do something wish for.

7. Debt ( Долг )- something, typically money, that is owed or due

8. Unexpected Expenses (Непредвиденные расходы) - those expenses you did not see coming

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To save money:

• Create a budget and track your income and expenses.

• Set clear savings goals.

• Automate transfers to your savings account.

• Cut back on unnecessary spending.

• Regularly review your progress.

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Key Terms

1. Budget – A plan for managing income and expenses.

(Бюджет) – Кіріс пен шығысты басқару жоспары.

2. Expenses – Money spent on goods and services.

(Шығындар) – Тауарлар мен қызметтерге жұмсалған ақша.

3. Fixed Income – A set amount of money received regularly, such as a salary or pension.

(Тұрақты кіріс) – Жалақы немесе зейнетақы сияқты тұрақты түрде алынатын ақша.

4. Income – Money earned from work, investments, or other sources.

(Кіріс) – Жұмыстан, инвестициялардан немесе басқа көздерден алынатын ақша.

5. Needs – Essential things required for living, such as food, housing, and healthcare.

(Қажеттіліктер) – Тамақ, баспана, денсаулық сақтау сияқты өмір сүруге қажет негізгі заттар.

6. Wants – Non-essential items that people desire, like luxury goods or entertainment.

(Қалаулар) – Люкс тауарлар немесе ойын-сауық сияқты міндетті емес, бірақ адамдардың қалайтын заттары.

7. Debt – Money borrowed that must be repaid.

(Қарыз) – Қайтарылуы қажет алынған ақша.

8. Unexpected Expenses – Sudden costs that were not planned, such as medical bills or car repairs.

(Күтпеген шығындар) – Медициналық төлемдер немесе көлік жөндеу сияқты алдын ала жоспарланбаған шығындар.

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Грмпи-24 Аманқызы Айзада

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Грмпи-24 Аманқызы Айзада

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Task 1

Key Terms

1. Budget – A plan for managing income and expenses.

(Бюджет) – Кіріс пен шығысты басқару жоспары.

2. Expenses – Money spent on goods and services.

(Шығындар) – Тауарлар мен қызметтерге жұмсалған ақша.

3. Fixed Income – A set amount of money received regularly, such as a salary or pension.

(Тұрақты кіріс) – Жалақы немесе зейнетақы сияқты тұрақты түрде алынатын ақша.

4. Income – Money earned from work, investments, or other sources.

(Кіріс) – Жұмыстан, инвестициялардан немесе басқа көздерден алынатын ақша.

5. Needs – Essential things required for living, such as food, housing, and healthcare.

(Қажеттіліктер) – Тамақ, баспана, денсаулық сақтау сияқты өмір сүруге қажет негізгі заттар.

6. Wants – Non-essential items that people desire, like luxury goods or entertainment.

(Қалаулар) – Люкс тауарлар немесе ойын-сауық сияқты міндетті емес, бірақ адамдардың қалайтын заттары.

7. Debt – Money borrowed that must be repaid.

(Қарыз) – Қайтарылуы қажет алынған ақша.

8. Unexpected Expenses – Sudden costs that were not planned, such as medical bills or car repairs.

(Күтпеген шығындар) – Медициналық төлемдер немесе көлік жөндеу сияқты алдын ала жоспарланбаған шығындар.

Task 2

To save money:

• Create a budget and track your income and expenses.

• Set clear savings goals.

• Automate transfers to your savings account.

• Cut back on unnecessary spending.

• Regularly review your progress.

Task 3

Saving money is essential because it provides financial security, helps cover unexpected expenses, and enables you to invest in your future goals.

— Ayzada

Task 4

Budget

A Budget is a plan that a family or a person creates to spend and save money. It sets aside a sum of money needed for a given purpose and helps a person understand how much they are spending and saving

Task 5

1. Importance of a Budget:

A budget helps you plan your spending and saving, ensuring you live within your means.

2. Spending More Than You Earn:

Overspending can lead to debt and financial instability.

3. Avoiding Overspending:

Track your expenses, distinguish between needs and wants, and stick to your budget.

4. Reading and Paying Bills:

Reviewing bills ensures accuracy, and timely payments keep your budget on track and avoid extra fees.

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ГРМПИ-24-1 Оразбек Мансур 

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ГРМПИ-24-1 Оразбек Мансур 

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Ex1

1. Budget – A plan for managing income and expenses.

(Бюджет) – Кіріс пен шығысты басқару жоспары.

2. Expenses – Money spent on goods and services.

(Шығындар) – Тауарлар мен қызметтерге жұмсалған ақша.

3. Fixed Income – A set amount of money received regularly, such as a salary or pension.

(Тұрақты кіріс) – Жалақы немесе зейнетақы сияқты тұрақты түрде алынатын ақша.

4. Income – Money earned from work, investments, or other sources.

(Кіріс) – Жұмыстан, инвестициялардан немесе басқа көздерден алынатын ақша.

5. Needs – Essential things required for living, such as food, housing, and healthcare.

(Қажеттіліктер) – Тамақ, баспана, денсаулық сақтау сияқты өмір сүруге қажет негізгі заттар.

6. Wants – Non-essential items that people desire, like luxury goods or entertainment.

(Қалаулар) – Люкс тауарлар немесе ойын-сауық сияқты міндетті емес, бірақ адамдардың қалайтын заттары.

7. Debt – Money borrowed that must be repaid.

(Қарыз) – Қайтарылуы қажет алынған ақша.

8. Unexpected Expenses – Sudden costs that were not planned, such as medical bills or car repairs.

(Күтпеген шығындар) – Медициналық төлемдер немесе көлік жөндеу сияқты алдын ала жоспарланбаған шығындар.

Ex2

To save money:

• Create a budget and track your income and expenses.

• Set clear savings goals.

• Automate transfers to your savings account.

• Cut back on unnecessary spending.

• Regularly review your progress.

Ex3

Saving money is essential because it provides financial security, helps cover unexpected expenses, and enables you to invest in your future goals.

— Mansur

Ex4

Budget

A Budget is a plan that a family or a person creates to spend and save money. It sets aside a sum of money needed for a given purpose and helps a person understand how much they are spending and saving

Ex5

1. Importance of a Budget:

A budget helps you plan your spending and saving, ensuring you live within your means.

2. Spending More Than You Earn:

Overspending can lead to debt and financial instability.

3. Avoiding Overspending:

Track your expenses, distinguish between needs and wants, and stick to your budget.

4. Reading and Paying Bills:

Reviewing bills ensures accuracy, and timely payments keep your budget on track and avoid extra fees.

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Грмпи-24 Манкешов Марат

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Грмпи-24 Манкешов Марат

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Budget - Бюджет

Бюджет - белгілі бір уакыт кезеніне арналган кірістер мен

шытыстардын жоспары.

The budget is a financial plan for a

specific period that outlines income and expenses.

Expenses - шыгындар; белгілі бір

кезен, ішінде жумсалатын акша.

expenses; certain period, the money to spend in it.

Fixed Income - A set amount of money received regularly, such as a salary or pension.

(Туракты кіріс) - Жалакы немесе

зейнетакы сиякты туракты турде

алынатын акша.

Income - Money earned from work, investments, or other sources.

(Кіріс) - Жумыстан,

инвестициялардан немесе баска кездерден алынатын акша.

Needs - Essential things required for living, such as food, housing, and healthcare.

(Кажеттіліктер) - Тамак, баспана, денсаулык сактау сиякты емір суруге кажет негізгі заттар.

Wants - Non-essential items that people desire, like luxury goods or entertainment.

(Калаулар) - Люкс тауарлар

немесе ойын-сауык сиякты

міндетті емес, бірак, адамдардын

калайтын заттары.

Debt - Money borrowed that must be repaid.

(Карыз) - Кайтарылуы кажет

алынган акша.

Unexpected Expenses -

Sudden costs that were not planned, such as medical bills or car repairs.

(Кутпеген шыгындар) -

Медициналык телемдер немесе

келік жендеу сиякты алдын ала

жоспарланбаган шыгындар.

To save money:

• Create a budget and track your income and expenses.

• Set clear savings goals.

• Automate transfers to your savings account.

• Cut back on unnecessary spending.

• Regularly review your progress.

Saving money is essential because it provides financial security, helps cover unexpected expenses, and enables you to invest in your future goals.

— Ayzada

Budget

A Budget is a plan that a family or a person creates to spend and save money. It sets aside a sum of money needed for a given purpose and helps a person understand how much they are spending and saving

1. Importance of a Budget:

A budget helps you plan your spending and saving, ensuring you live within your means.

2. Spending More Than You Earn:

Overspending can lead to debt and financial instability.

3. Avoiding Overspending:

Track your expenses, distinguish between needs and wants, and stick to your budget.

4. Reading and Paying Bills:

Reviewing bills ensures accuracy, and timely payments keep your budget on track and avoid extra fees.

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Грмпи-24-1 Орунтурды Ануар

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Грмпи-24-1 Орунтурды Ануар

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Ex 1

Key Terms

1. Budget – A plan for managing income and expenses.

(Бюджет) – Кіріс пен шығысты басқару жоспары.

2. Expenses – Money spent on goods and services.

(Шығындар) – Тауарлар мен қызметтерге жұмсалған ақша.

3. Fixed Income – A set amount of money received regularly, such as a salary or pension.

(Тұрақты кіріс) – Жалақы немесе зейнетақы сияқты тұрақты түрде алынатын ақша.

4. Income – Money earned from work, investments, or other sources.

(Кіріс) – Жұмыстан, инвестициялардан немесе басқа көздерден алынатын ақша.

5. Needs – Essential things required for living, such as food, housing, and healthcare.

(Қажеттіліктер) – Тамақ, баспана, денсаулық сақтау сияқты өмір сүруге қажет негізгі заттар.

6. Wants – Non-essential items that people desire, like luxury goods or entertainment.

(Қалаулар) – Люкс тауарлар немесе ойын-сауық сияқты міндетті емес, бірақ адамдардың қалайтын заттары.

7. Debt – Money borrowed that must be repaid.

(Қарыз) – Қайтарылуы қажет алынған ақша.

8. Unexpected Expenses – Sudden costs that were not planned, such as medical bills or car repairs.

(Күтпеген шығындар) – Медициналық төлемдер немесе көлік жөндеу сияқты алдын ала жоспарланбаған шығындар.

Ex 2

To save money:

• Create a budget and track your income and expenses.

• Set clear savings goals.

• Automate transfers to your savings account.

• Cut back on unnecessary spending.

• Regularly review your progress.

Ex3

Saving money is essential because it provides financial security, helps cover unexpected expenses, and enables you to invest in your future goals.

— Anuar

Ex4

Budget

A Budget is a plan that a family or a person creates to spend and save money. It sets aside a sum of money needed for a given purpose and helps a person understand how much they are spending and saving

Ex5

1. Importance of a Budget:

A budget helps you plan your spending and saving, ensuring you live within your means.

2. Spending More Than You Earn:

Overspending can lead to debt and financial instability.

3. Avoiding Overspending:

Track your expenses, distinguish between needs and wants, and stick to your budget.

4. Reading and Paying Bills:

Reviewing bills ensures accuracy, and timely payments keep your budget on track and avoid extra fees.

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Key terms (Write the meaning of these words and translate to Kazakh language)

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Key terms (Write the meaning of these words and translate to Kazakh language)

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Budget

Expenses

Fixed Income

Income

Needs

Wants

Debt

Unexpected Expenses

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1.Why do you think a budget is important in healthy family/personal financial planning?

A budget helps manage income and expenses, ensuring financial stability. It allows families to save, plan for the future, and avoid unnecessary debt.

2. What happens if we spend more than we earn?

Spending more than we earn leads to debt, financial stress, and difficulty covering essential expenses. It can result in borrowing money and paying high interest rates.

3. How can we avoid overspending?

• Track expenses and set a budget.

• Differentiate between needs and wants.

• Use discounts and special offers.

• Avoid impulse buying.

4. Why is it important to read your bills and how does paying bills relate to budgeting?

Reading bills helps understand where money is going. Paying bills on time prevents late fees, avoids debt, and ensures better financial planning. It also helps adjust the budget to control expenses effectively.

Amangeldi Miras

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. Emergency Fund – To cover unexpected expenses.

2. Financial Security – To reduce stress and avoid debt.

3. Future Goals – To buy a house, car, or fund education.

4. Retirement – To ensure a comfortable life later.

5. Opportunities – To invest and grow wealth.

Amangeldi Miras

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Class Discussion

1. Why do you think a budget is important in healthy family/personal financial planning?

A budget helps manage income and expenses effectively, ensuring that essential needs like food, housing, and savings are covered. It also helps prevent financial stress and prepares for future goals or emergencies.

2. What happens if we spend more than we earn?

Spending more than we earn leads to debt, financial instability, and stress. It may force people to borrow money, rely on credit cards, or sacrifice important future needs. Over time, excessive debt can lower credit scores and limit financial opportunities.

3. How can we avoid overspending?Track expenses to see where money is going.

Set a clear budget and stick to it. Differentiate between needs and wants.

Use cash instead of credit for small purchases.

Plan for savings before spending on non-essentials.

4. Why is it important to read your bills and how does paying bills relate to budgeting?

Reading bills helps identify errors, avoid late fees, and track recurring expenses. Paying bills on time ensures financial stability and maintains a good credit score. Since bills are a major part of a budget, managing them properly helps in planning other expenses and savings.

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Budget – A financial plan.

Бюджет – Қаржылық жоспар.

Expenses – Money spent.

Шығындар – Жұмсалған ақша.

Fixed Income – Regular, stable earnings.

Тұрақты кіріс – Тұрақты табыс.

Income – Money earned.

Кіріс – Табылған ақша.

Needs – Essential things.

Қажеттіліктер – Маңызды заттар.

Wants – Non-essential desires.

Қалаулар – Міндетті емес заттар.

Debt – Borrowed money.

Қарыз – Қайтарылатын ақша.

Unexpected Expenses – Sudden costs.

Күтпеген шығындар – Кенеттен шыққан шығындар.

Amangeldi Miras

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Mukhan Rauan

I believe a budget helps manage money wisely and save for the future. It makes life more organized and prevents financial difficulties.

Spending more than we earn can lead to debt and a lack of money for essential needs, making life challenging.

To avoid overspending, we can create a budget, track our purchases, and focus on necessities. Finding discounts and planning shopping can also be useful.

Checking bills helps us understand our expenses. Paying them on time prevents extra fees and allows better financial planning.

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1. A budget helps manage money, prevents debt, and reduces financial stress.

2. We go into debt, face financial stress, and struggle to save money.

3. Make a budget, track expenses, prioritize needs, and set spending limits.

4. Reading bills helps avoid mistakes and unexpected charges. Paying bills on time ensures we stay within our budget and avoid late fees.

Aruzhan Math 24-1

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1)A budget helps to control money and save for the future. It makes life easier and helps to avoid money problems.

2)If we spend more than we earn, we can have debt and not enough money for important things. This can make life difficult.

3)We can make a budget, write down what we buy, and only buy what we need. Looking for discounts and planning shopping can also help.

4)Reading bills helps to know how much money we spend. Paying bills on time is important to avoid extra costs and plan money better.

Bekbergen

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 Why do you need to save  money? (Answer the question and write your name)

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 Why do you need to save  money? (Answer the question and write your name)

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1. Why do you think a budget is important in healthy family/personal financial planning?

What happens if we spend more than we earn?

How can we avoid overspending?

Why is it important to read your bills and how does paying bills relate to budgeting?

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Saving money is important for a better future. First, I make a budget every month to control my spending. I try to save some money before I buy things I want. I always buy what I need first, like food and rent. Every week, I put a little money in my savings account. To save more, I cook at home instead of eating in restaurants. I also turn off the lights when I leave a room to lower my electricity bill. Finally, I avoid buying expensive things that I do not really need. These small steps help me save money over time.

Aruzhan Math 24-1

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Mukhan Rauan

First, we should create a budget by listing our income and expenses to manage spending. Second, we should prioritize saving by setting aside money before making any purchases. Finally, we can practice smart shopping by buying only necessary items and looking for discounts.

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You need to save money to prepare for emergencies, achieve future goals, and ensure financial security. Savings help you avoid debt, reduce stress, and provide stability for retirement or unexpected expenses. By managing your money wisely, you gain financial freedom and a better quality of life.

Yerbol

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«1»how do we save money?

1. Track your expenses

2. Create a budget

3. Avoid impulse purchases

4. Save money regularly

«2»why do you need to save money?

I think that you need to save money. Because there may be all sorts of unexpected problems, such as: surgery, medicine. And also if you save money you can buy your own house, car or whatever you want.

«3»

1. I think budgeting is important for healthy financial planning because it helps us control our income and expenses, avoid debt, and save money for the future.

2. In my opinion, spending more than we earn can lead to debt and financial difficulties.

3. I think you can avoid unnecessary spending by tracking your expenses, planning your purchases in advance, using discounts, and saving money. This helps you manage your finances more wisely.

4. In my opinion, reading bills is important because it helps you understand how much money you are spending and where it is going. Paying bills is related to budgeting because it allows you to manage your finances wisely and avoid debt.

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Mukhan Rauan

I believe saving money is essential for financial stability and future needs. It acts as a safety net in emergencies like medical expenses or job loss. Having savings also makes it possible to afford big purchases, such as a house or car, without relying on loans. Additionally, it gives the freedom to invest, travel, or enjoy retirement with peace of mind.

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I can’t safe my money at all, if it’s not holidays or birthdays, when i need to buy gifts to someone. But I want to learn how to distribute money for the future, ‘cause I don’t know what can happen and it will be great to have an airbag.

Aruzhan Math 24-1

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Mukhan Rauan

Budget is a plan for income and expenses. Бюджет.

Expenses is money spent.

Затраты

Fixed Income is a stable and unchanging income.

Фиксированный доход

Income is money earned.

Доход

Needs is essential things for living.

Потребности

Wants is non-essential desires.

Хотелки

Debt is money that must be repaid.

Долг

Unexpected Expenses is unplanned costs.

Непредвиденные расходы

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Bekarys Berdimurat

Saving money involves planning, discipline, and smart choices. First, create a detailed budget that tracks your income and expenses, and identify areas where you can cut costs. Set clear savings goalsвЂ”whether for emergencies, future investments, or big purchasesвЂ”and automate regular transfers from your checking account to a dedicated savings account. Avoid impulse buying by planning purchases ahead, comparing prices, and using discounts. Regularly review your spending habits and adjust your budget as needed. These strategies help build a financial cushion and foster long-term financial stability.

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You can save money by following these simple steps:

1. Create a Budget: Write down your income and expenses to see where your money goes.

2. Track Spending: Monitor your daily expenses to spot unnecessary costs.

3. Prioritize Needs: Spend money on essentials first and limit non-essential purchases.

4. Set Savings Goals: Decide how much you want to save and work towards that target.

5. Automate Savings: Arrange for part of your income to go directly into a savings account.

6. Avoid Debt: Use credit carefully to prevent high-interest debt that can hinder saving.

Yerbol

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INFO24 SILA

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I'm not saving money at the moment.But there is in mind. For example, people raise money to cover unforeseen expenses, secure their future, and achieve their personal goals, such as housing, education, or starting a business.And I am save money for education and to ensure unforeseen expenses.

Bekbergen

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money?Bekarys Berdimurat

Saving money is essential for securing a stable future and achieving personal goals. It creates a safety net during emergencies such as illness or job loss. By setting aside funds, we gain financial discipline and reduce stress. Regular savings provide opportunities to invest in education, home ownership, and travel. Adopting a savings habit protects against unforeseen challenges and empowers individuals to pursue their dreams with determination. Financial freedom awaits you.

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Saving money is an important way to achieve financial stability. Here are some simple and effective ways to save:

1. Create a budget - Write down your monthly income and expenses and avoid overspending.

2. Avoid unnecessary purchases - Buy only what you need, avoid emotional purchases.

3. Cook at home - Reduce visits to cafes and restaurants and cook at home.

4. Take advantage of discounts and promotions - Look for discounts in stores and buy at a favorable price.

5. Reduce utility costs - Save on electricity, water, gas.

6. Control transportation costs - Use public transportation or walk.

7. Cancel unnecessary subscriptions - Cancel unnecessary subscriptions and services.

8. Open a savings account - Transfer a certain amount to savings every month.

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«1»how do we save money?

1. Track your expenses

2. Create a budget

3. Avoid impulse purchases

4. Save money regularly

«2»why do you need to save money?

I think that you need to save money. Because there may be all sorts of unexpected problems, such as: surgery, medicine. And also if you save money you can buy your own house, car or whatever you want.

«3»

1. I think budgeting is important for healthy financial planning because it helps us control our income and expenses, avoid debt, and save money for the future.

2. In my opinion, spending more than we earn can lead to debt and financial difficulties.

3. I think you can avoid unnecessary spending by tracking your expenses, planning your purchases in advance, using discounts, and saving money. This helps you manage your finances more wisely.

4. In my opinion, reading bills is important because it helps you understand how much money you are spending and where it is going. Paying bills is related to budgeting because it allows you to manage your finances wisely and avoid debt.

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Демеуов кәрім

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Демеуов кәрім

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To save money, consider following these steps:

1. Create a budget: Plan your income and expenses to control your spending.

2. Track your spending: Keep a record of where your money goes.

3. Reduce unnecessary expenses: Cut down on non-essential items.

4. Save regularly: Set aside a portion of your income each month.

5. Avoid debt: Try to minimize borrowing and pay off existing debts quickly.

6. Look for discounts: Take advantage of sales and offers.

7. Cook at home: Eating out less often can save a lot.

1. Budget - A plan for how to spend money. (Бюджет)

2. Expenses - Money spent on various needs and wants. (Шығындар)

3. Fixed Income - Regular, unchanging income, such as a salary. (Тұрақты кіріс)

4. Income - Money earned from work or investments. (Кіріс)

5. Needs - Essential items required for survival, like food and shelter. (Қажеттіліктер)

6.Wants - Non-essential items that are nice to have, like entertainment. (Қалаулар)

7. Debt - Money that is owed to others. (Қарыз)

8. Unexpected Expenses - Sudden and unforeseen costs. (Күтпеген шығындар)

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Saving money is important for a secure and stress-free life. Here are a few key reasons:

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Saving money is important for a secure and stress-free life. Here are a few key reasons:

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1. Emergency Situations – Unexpected expenses like medical bills, car repairs, or job loss can happen anytime. Savings help you stay prepared.

2. Future Goals – Whether you want to buy a house, start a business, or travel, saving money helps you achieve your dreams.

3. Financial Independence – Having savings means you don’t need to rely on loans or credit cards, reducing stress and debt.

4. Retirement Planning – Saving early ensures a comfortable life after retirement.

5. Opportunities – With savings, you can invest in education, stocks, or other opportunities that improve your life.

Assel

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Budget – money, that you can decide to spend or to save. Бюджет.

Expenses - wasting money for smth. Шығындар.

Fixed income - stable income. Тұрақты кіріс.

Income - money, that you earn. Кіріс.

Needs - services for survival. Қажеттіліктер.

Wants - can be the things from your wish-list. Қалаулар.

Debt - money borrowed that must be repaid. Қарыз.

Unexpected expenses - costs that arise suddenly and were not planned for. Күтпеген шығындар.

Aruzhan Math 24-1

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How do you save money?Yerman Alikul Mat24-1

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How do you save money?Yerman Alikul Mat24-1

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I think that saving money starts with smart planning and discipline. First, make a budget to track income and expenses. Avoid unnecessary spending and focus on needs rather than wants. Try to save a portion of your income every month. Use discounts, buy in bulk, and reduce energy consumption. Cooking at home instead of eating out also helps.

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In my opinion, saving money is important for financial security and future needs. In my vision, it helps in emergencies, such as medical bills or job loss. Savings allow you to buy expensive things, like a house or car, without debt. In my opinion, it also provides freedom to invest, travel, or retire comfortably.

Mulhat Askar

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1. Budget is a plan for managing income and expenses. (Бюджет)

2. Expenses is money used to buy goods or services. (Шығындар)

3. Fixed Income is regular and stable earnings. (Тұрақты табыс)

4. Income is money received regularly.(Табыс)

5. Needs is basic things necessary for life. (Қажеттіліктер)

6. Wants is things people desire but do not need. (Қалаулары)

7. Debt is money borrowed that must be repaid. (Қарыз)

8. Unexpected Expenses is costs that appear suddenly. (Күтпеген шығындар)

Bekbergen

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Expenses- Шығындар

Fixed Income- Тұрақты кіріс

Income - Кіріс

Needs - Қажеттіліктер

Wants - Қалаулар

Debt - Қарыз

Unexpected Expenses- Күтпеген шығындар

Berdimurat Bekarys

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Why do you need to save money(Alikul Yerman Mat24-1)

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Why do you need to save money(Alikul Yerman Mat24-1)

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I don't save money for any purpose, for example, people save to buy a new phone, but I don't have that purpose. For me, it's better to get what I want at that time, so I buy what I can afford. The reason I save money is because it's a safety net for me. Since I don't know the future, anything can happen at any time. I save money for qalynmal🤭

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1. Budget – A plan for managing income and expenses.

(Бюджет – Кіріс пен шығысты басқару жоспары.)

2. Expenses – Money spent on goods and services.

(Шығындар – Тауарлар мен қызметтерге жұмсалған ақша.)

3. Fixed Income – A stable and unchanging income.

(Тұрақты кіріс – Өзгермейтін тұрақты табыс.)

4. Income – Money earned from work or other sources.

(Кіріс – Жұмыс немесе басқа көздерден алынатын ақша.)

5. Needs – Essential things for daily life.

(Қажеттіліктер – Күнделікті өмірге керек заттар.)

6. Wants – Non-essential but desirable items.

(Қалаулар – Міндетті емес, бірақ қажет заттар.)

7. Debt – Borrowed money that must be repaid.

(Қарыз – Қайтарылуы тиіс ақша.)

8. Unexpected Expenses – Sudden, unplanned costs.

(Күтпеген шығындар – Кенеттен пайда болатын шығындар.)

Sagynysh

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In my opinion, saving money starts with creating a budget to understand your income and expenses. I believe it’s important to cut unnecessary spending and focus on essential items. Personally, I think setting aside even a small amount regularly makes a big difference. Finally, I feel finding ways to reduce costs or earn extra income

can help grow your savings faster.

Bakhtiyar

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Key terms (Write the meaning of these words and translate to Kazakh language)

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Key terms (Write the meaning of these words and translate to Kazakh language)

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1. Budget

Meaning: A plan that outlines expected income and expenses over a certain period, helping to manage money effectively.

Kazakh Translation: тұрақты табыс

2. Expenses

Meaning: The money spent on goods and services.

Kazakh Translation:шығындар

3. Fixed Income

Meaning: Regular income that remains the same amount each time, such as a pension or salary.

Kazakh Translation: тұрақты табыс

4. Income

Meaning: Money received from work, investments, or other sources.

Kazakh Translation: табыс

5. Needs

Meaning: Essential items or services required for survival, such as food, housing, and clothing.

Kazakh Translation: негізгі қажеттіліктер

6. Wants

Meaning: Non-essential items or services that are desired for comfort or pleasure, such as entertainment or luxury goods.

Kazakh Translation: қалау

7. Debt

Meaning: Money that is owed to someone else.

Kazakh Translation: қарыз

8. Unexpected Expenses

Meaning: Costs that arise unexpectedly, which were not planned in the budget, such as emergency repairs or medical bills.

Kazakh Translation: күтпеген шығындар

Yerbol

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Saving money ensures financial security and stability. It helps cover unexpected expenses without debt and supports future goals like buying a home or retiring. Savings also reduce financial stress and provide peace of mind. Regular saving leads to a more secure and comfortable future.

Sagynysh

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1. Budget is a plan for managing income and expenses. (– Бюджет)

2. Expenses is money used to buy goods or services. (– Шығындар)

3. Fixed Income is regular and stable earnings. (– Тұрақты табыс)

4. Income is money received regularly.( – Табыс)

5. Needs is basic things necessary for life. (– Қажеттіліктер)

6. Wants is things people desire but do not need. (– Қалаулары)

7. Debt is money borrowed that must be repaid. (– Қарыз)

8. Unexpected Expenses is costs that appear suddenly. (– Күтпеген шығындар)

Mulkhat Askat

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A simple way to save money is the 50/30/20 rule:

• 50% of income covers essential needs (housing, food, transport).

• 30% is for personal wants (entertainment, hobbies).

• 20% goes to savings or investments for the future.

This method helps manage expenses wisely while ensuring financial stability. Planning and cutting unnecessary costs make saving easier.

Sagynysh

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1. Budget: A financial plan for income and

expenses. - Бюджет

2. Expenses: Money spent on goods or

services. — Шыгындар

3. Fixed Income:

Regular, predictable

earnings. - Туракты

табыс

4. Income: Money earned regularly. -

Табыс

5. Needs: Essentials for survival. -

Кажеттіліктер

6. Wants: Nonessential desires. -

Калаулар

7. Debt: Borrowed money to be repaid. -

Карыз

8. Unexpected

Expenses: Unplanned

costs. - Кутпеген

шытындар

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1)Track your monthly income and expenses.

2)Use budgeting apps.

3)Never spend more than you earn.

Bekbergen

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Budget-бюджет

Expenses-Шығындар

Fixed-бекітілген

Income-Табыс

Needs-қажеттіліктер

Wants-Қалаулар

Debt-қарыз

Unexpected Expenses-Күтпеген шығындар

Alikul Yerman Mat24-1

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1) Create a monthly budget to allocate income toward essentials, savings, and discretionary spending.	Use apps like Mint, YNAB, or even a simple spreadsheet to track spending.

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1) Create a monthly budget to allocate income toward essentials, savings, and discretionary spending.	Use apps like Mint, YNAB, or even a simple spreadsheet to track spending.

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2)Saving money is essential because it provides financial security, helps achieve future goals, and prepares for unexpected expenses. It allows you to handle emergencies, reduce financial stress, and build wealth over time. Whether for retirement, a major purchase, or simply peace of mind, having savings ensures stability and freedom in life.

Асқар Есбол

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1. Create a budget and track expenses.

2. Avoid unnecessary purchases.

3. Use discounts and promotions.

4. Save a portion of your income regularly.

5. Reduce utility and transportation costs.

Amangeldi Miras

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Why do you need to savemoney? (Nurboldy)

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Why do you need to savemoney? (Nurboldy)

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Saving money is important because it provides financial security, helps in emergencies, allows you to achieve long-term goals, and reduces stress about unexpected expenses. It also gives you more freedom to make life choices without constant financial pressure.

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Control your expenses by tracking income and spending, plan your budget with limits and save 10вЂ“20% of your earnings, optimize costs by avoiding unnecessary purchases and looking for discounts, build a financial cushion for emergencies, and find additional income through side jobs or skill development. The key is discipline and clear goals.

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In first we should budgeting. It is write down your income and expenses to control spending.In secondly we saving first is put some money into savings before spending. In finally we can do smart shopping. It is buy only needed things and look for discounts.

Mulhat Askar

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1. Budget: A financial plan for income and expenses. – Бюджет

2. Expenses: Money spent on goods or services. – Шығындар

3. Fixed Income: Regular, predictable earnings. – Тұрақты табыс

4. Income: Money earned regularly. – Табыс

5. Needs: Essentials for survival. – Қажеттіліктер

6. Wants: Non-essential desires. – Қалаулар

7. Debt: Borrowed money to be repaid. – Қарыз

8. Unexpected Expenses: Unplanned costs. – Күтпеген шығындар

Bakhtiyar

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Saving money gives me peace of mind. It helps me handle unexpected expenses without stress. I can also work toward my dreams, like traveling or buying a home. Plus, it allows me to invest in my future and grow my wealth over time.

Bakhtiyar

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A Budget is a plan that a family or a person creates to spend and save money.

A plan that sets a sum of money aside that is needed for a given purpose It helps a person learn how much he or she is spending and how much he or she is saving.

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Miscellaneous (misc.)  |ˌmɪsəˈleɪnɪəs|  -смешанный, разнообразный (expenses-расходы)

Mortgage  |ˈmɔːɡɪdʒ|-ипотека

Utilities  |juːˈtɪlɪtɪz|- коммунальные услуги

Alarm system –система безопасности

Groceries-Расходы на продовольственные товары(на питание)

A B/C loan  |ləʊn|-заём; ссуда; кредит=  is a loan provided to either a low credit quality borrower or a borrower with little to no credit history.

Debt|det|-долговые обязательства

What’s left= remainder|rɪˈmeɪndər|  — остаток