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Welcome to English as a Second Language Podcast number 563: Reducing Household Expenses.

This is English as a Second Language Podcast episode 563. I’m your host, Dr. Jeff McQuillan, coming to you from the Center for Educational Development in beautiful Los Angeles, California.

Our website is eslpod.com. Go there to download a Learning Guide for this episode that will give you all of the vocabulary, definitions, sample sentences, additional definitions, cultural notes, comprehension questions, and, most importantly, a complete transcript of everything we say on this episode.

This episode is a dialogue between Roland and Ginger about “household expenses,” the money that you have to spend to live in a house or apartment. Let’s get started.

Roland: If we want to save enough money to buy a house, we need to get serious about our finances and do some financial planning. I think the first step is to create a household budget.

Ginger: Okay by me. You know that I’m all about the bottom line.

Roland: Yeah, right. I think we