Money & Shopping
B2 Upper-Intermediate

Money & Shopping β€” B2 English Lesson

πŸ“… 2026-09-22πŸ“Š B2 Upper-IntermediateπŸ“š 10 new words🎧 daily podcast

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πŸ“š Vocabulary

10 new words Learn new words with real examples and audio.
haggle
haggle /HA-gul/
verb
to argue with a seller about the price of something
"We haggled with the street seller for ten minutes and got the bag much cheaper."
splurge
splurge /SPLURJ/
verb
to spend a lot of money on something nice you don't really need
"On her birthday, she decided to splurge on a designer dress."
frugal
frugal /FROO-gul/
adjective
careful not to waste money
"He is frugal and cooks at home instead of eating out."
thrifty
thrifty /THRIF-tee/
adjective
careful and wise with money; not wasteful
"My thrifty grandmother compares prices before she buys anything."
clearance
clearance /KLEER-uns/
noun
a sale to sell old stock at very low prices
"The electronics store is holding a big clearance sale this weekend."
invoice
invoice /IN-voys/
noun
a written bill that shows what you must pay
"The supplier sent an invoice for the new office chairs."
surcharge
surcharge /SUR-charj/
noun
an extra charge added to the normal price
"The airline added a fuel surcharge to every ticket."
outlet
outlet /OUT-let/
noun
a shop that sells famous brands at lower prices
"We bought cheap shoes at the outlet mall outside the city."
retail
retail /REE-tail/
noun
the sale of goods directly to customers in shops
"The retail price of the jacket is two hundred dollars."
cashier
cashier /ka-SHEER/
noun
the person who takes your money at a shop
"The friendly cashier packed our groceries into paper bags."
🎧

Podcast: Money & Shopping

Listen to today’s conversation.

πŸ“ Podcast Transcript

Maya

Hello everyone, and welcome back to Word Kitchen, the show where we cook up ten delicious new English words every day. I am Maya.

Lena

And I am Lena, and today our kitchen smells like fresh coffee and new clothes, because our theme is money and shopping.

Maya

That is right. Ten words about how we spend, save, and talk about money. And our first word is a classic: haggle.

Lena

Haggle. I love that word. To haggle means to argue with the seller about the price, to try to pay less.

Maya

Exactly. When you haggle, you say, hmm, that is too expensive, and the seller says something back, and you go back and forth until you agree.

Lena

I always haggle at the weekend market near my house. The first price is never the real price.

Maya

You are good at it too. Last week you went to haggle over a rug, and you got it for half the first price.

Lena

Well, I learned to haggle from my mother. She can haggle anywhere, even in fancy shops, and she always wins.

Maya

That is impressive. Some people feel shy, but if you never haggle, you always pay too much.

Lena

True. Okay, word number two: splurge. This one is the opposite of haggling, in a way.

Maya

Yes. To splurge means to spend a lot of money on something you want but do not really need, something special.

Lena

Like last month, I decided to splurge on a beautiful leather bag. I had saved for weeks.

Maya

And it was worth it. When you splurge once in a while, it feels like a reward for your hard work.

Lena

Exactly. My brother never likes to splurge. He says saving is better than spending, but I think a small splurge now and then keeps life fun.

Maya

I agree. The key is balance. You work hard, so sometimes you can splurge on something that makes you happy.

Lena

Word number three is frugal. A frugal person is careful not to waste money.

Maya

A frugal friend of mine brings lunch from home every day instead of buying food downtown.

Lena

That is smart. Being frugal does not mean being cheap with other people. It means you think before you spend.

Maya

Right. My grandmother is frugal. She mends her clothes instead of throwing them away, and she has a big savings account.

Lena

I want to be more frugal this year. I read that frugal people often feel less stressed about money.

Maya

Probably true. If you are frugal with small things, you have money for the big things that matter.

Lena

Word four: thrifty. It is very close to frugal. A thrifty person uses money carefully and wisely.

Maya

Yes, thrifty is a lovely positive word. A thrifty shopper always compares prices before buying.

Lena

My dad is the thriftiest person I know. He buys good tools once instead of cheap tools twice.

Maya

That is the thrifty way of thinking. Spend wisely now, save money later.

Lena

And thrifty people love a good deal. My aunt is thrifty, and she taught me to check three stores before I buy anything.

Maya

Good advice. Being thrifty is a skill you can practice every day.

Lena

Word five is clearance. A clearance sale is when a shop sells old stock at very low prices to make space for new things.

Maya

I love clearance sales. Last winter I found a coat at a clearance sale for almost nothing.

Lena

That is the best part of clearance. The shop wants the old season gone, and you get a bargain.

Maya

Just remember that clearance items are often final sale, so check the size before you buy.

Lena

Good tip. I once bought shoes at a clearance sale without trying them, and they never fit.

Maya

Still, a clearance rack is like a treasure hunt. You never know what you will find.

Lena

Word six: invoice. An invoice is a written bill that shows what you have to pay.

Maya

When you buy things for a company, they send you an invoice with every item listed.

Lena

Right. My friend is a photographer, and after every job she sends the client an invoice for her work.

Maya

Always check the invoice carefully. Last year a hotel sent me an invoice with an extra night I never stayed.

Lena

That happens. If the invoice is wrong, you call them and they fix it.

Maya

Keep every invoice for big purchases too. If something breaks, the invoice proves you bought it.

Lena

Word seven is surcharge. A surcharge is an extra charge added to the normal price.

Maya

Like at the airport, where the airline adds a fuel surcharge to every ticket.

Lena

Exactly. And some restaurants add a surcharge on holidays, so the menu price is not the final price.

Maya

That is annoying. A surcharge should be clear before you pay, not a surprise at the end.

Lena

I agree. I always ask if there is a surcharge before I order anything extra.

Maya

Once a taxi driver tried to add a night surcharge at noon, and I said no way.

Lena

Good for you. Watch out for the hidden surcharge, everyone.

Maya

Word eight: outlet. An outlet is a shop that sells famous brands at lower prices.

Lena

I went to an outlet mall last month and bought sneakers for half the city price.

Maya

Outlet stores are great for sportswear. The same shoes cost so much more in the regular shop.

Lena

True. The outlet is usually outside the city, so you need a car or a bus to get there.

Maya

Worth the trip though. Every outlet has end-of-season styles with big discounts.

Lena

My favorite outlet trip was with you. We found jackets, bags, and jeans in one afternoon.

Maya

Word nine: retail. Retail is the sale of goods directly to customers in shops, the normal shop price.

Lena

So the retail price is what you see on the tag in the store.

Maya

Exactly. That jacket has a retail price of two hundred dollars, but I got it online for much less.

Lena

Retail shops have higher prices because they pay rent and staff. Online stores often skip those costs.

Maya

Still, I like to try clothes on in a retail store before I buy them.

Lena

Me too. The retail experience lets you touch the fabric and check the size.

Maya

And the last word for today is cashier. A cashier is the person who takes your money at the shop.

Lena

The cashier at my supermarket is so friendly. She always asks about my day.

Maya

A good cashier makes shopping pleasant. The cashier smiled and packed my bags carefully yesterday.

Lena

Sometimes the cashier is faster than the self-checkout machine, especially with a full cart.

Maya

True. I prefer a human cashier when I have a lot of groceries.

Lena

Okay, let us review our ten words quickly with a little story.

Maya

Great idea. Last Saturday, my thrifty sister and I went to the outlet mall.

Lena

She wanted to haggle, but you cannot haggle in an outlet, the prices are already low.

Maya

Right. She is frugal, so she checked the retail price on her phone first.

Lena

Then she found a coat on the clearance rack and decided to splurge on it.

Maya

The cashier scanned it and said there was no surcharge, just the sale price.

Lena

And the shop sent the invoice to her email, so she has proof of the purchase.

Maya

She is thrifty and frugal at the same time, a smart shopper.

Lena

And she promised she would not splurge again until her birthday.

Maya

Promises are easy to make. Let us see if she can resist the next clearance sale.

Lena

She might haggle at the market instead. Haggling is free and fun.

Maya

And when the cashier at the market hears her price, he always laughs.

Lena

Every outlet needs a good cashier and clear invoices, no hidden surcharge anywhere.

Maya

That is our show for today. Ten words, one story, and lots of shopping.

Lena

Remember, practice these words out loud, and join us tomorrow for ten more.

Maya

Bye everyone.

Lena

Bye.

Maya

Before we go, let us give our listeners a few shopping tips using today's words.

Lena

Good idea. Tip one: always haggle at markets. The first price is just the start of the conversation.

Maya

And if you are too shy to haggle, bring a friend who loves to haggle with you.

Lena

Tip two: plan your splurge moments. Save a little each month, then splurge on something you really love.

Maya

That way the splurge feels like a celebration, not a mistake.

Lena

Tip three: be frugal with everyday things so you can afford the important ones. A frugal habit like cooking at home saves a fortune over a year.

Maya

Tip four: stay thrifty when you shop online too. Thrifty buyers read reviews and compare three prices.

Lena

Tip five: check the clearance section first in every store. Clearance racks hide the best deals.

Maya

Tip six: read every invoice line by line. An invoice with a mistake can cost you real money.

Lena

Tip seven: ask about any surcharge before you pay. No one likes a surprise surcharge on the bill.

Maya

Tip eight: visit an outlet when you need brands for less. An outlet day trip can be fun with friends.

Lena

Tip nine: remember that the retail price is only a suggestion. Smart shoppers rarely pay full retail.

Maya

Tip ten: be kind to your cashier. A friendly word to the cashier makes everyone's day better.

Lena

Those are wonderful tips. Shopping is easier when you know the words.

Maya

And when you know the words, you can haggle better, splurge wisely, and stay frugal and thrifty.

Lena

You will read every invoice, question every surcharge, and love every clearance sale.

Maya

The outlet will welcome you, the retail tags will not scare you, and the cashier will be your friend.

Lena

That is a perfect ending. See you tomorrow, everyone.

Maya

Goodbye from Word Kitchen.

Lena

Goodbye.

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My sister loves to haggle at the weekend market.

It takes practice to haggle well with street sellers.

She learned to haggle from our clever mother.

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πŸ“Grammar: Articles - a / an, the, no article

Use **a** or **an** with singular countable nouns when you say what something is or what somebody does. She is **a** cashier in a big store. Use **a/an** for the first mention of a thing or person. I found **a** clearance sale; **the** sale ends on Sunday. Use **a/an** in exclamations with **What...!**. What **a** big surcharge on that invoice! Use **a/an** in expressions of frequency. We visit the outlet **twice a month**. Use **the** when you have already mentioned something, or when the meaning is clear. I saw **a** cashier, and **the** cashier helped me. Use **the** for the only one o

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