Welcome back to Talk Nara. In this episode, you will practice real everyday English with a slow, clear, and natural conversation about budgeting and saving money. You will learn simple native phrases that people use in daily life, like “cut back,” “save up,” “out of my budget,” and “pay yourself first.” This video is perfect for beginners because the English is easy to follow, practical, and focused on real-life speaking. What you will learn in this conversation: How to talk about income, expenses, bills, and debt How to explain your budget in simple English How to say no politely when you want to save money Useful money phrases for shopping and daily decisions Simple saving habits and a weekly action plan Practice tip: Listen once, then repeat each sentence out loud with the speakers to build confidence and improve pronunciation. If you enjoy this kind of English practice, please like the video and subscribe to Talk Nara. Thank you so much. Question for you: What are you saving up for right now? Thank you for learning with Talk Nara ❤️ #beginnerenglish #learnenglish #TalkNara #EnglishPodcast #SpokenEnglish #EnglishConversation #EverydayEnglish #EnglishForBeginners #EnglishListening #EnglishFluency #SpeakEnglishNaturally #EnglishSpeakingPractice #EnglishCulture #RealEnglish #moneyhabits