debt - 'b' is silent
bt - doubt, 'b' is silent
bought 'gh' silent
though
thought
daughter
history of English, borrows words from other languages, spelling can be unusual
spelling doesn't follow simple rules, often strange, confusing
US - simplified spelling - center, Canada - centre
meter - metre
color - colour
neighbour - neighbor
friend, thief
Wednesday
counsellor
light - "lite" advertising
check - cheque
que - French
question
quest
"role model" - someone to follow their behaviour, someone that you can learn how to make decisions
"keeping up with the Jones'"
"save for a rainy day" - save money for difficult times, emergency fund
RRSP - registered retirement saving plan
RESP - education
company pension -
Teacher pension
Municipal pension
College pension
Canada Pension Plan- CPP
OAS - old age supplement, low-income senior
monthly expenses - usual fixed costs- rent, food, utilities- Hydro, heat
"Our monthly expenses are about $3000."
"I always want to reduce our monthly expenses."
mortgage- long-term loan for a house, condo
in the red - owing money, losing money
in the black -making money, turn a profit
accounting - bookkeeping
"Don't buy it if you can't afford it."
interest rate - %
"There is no free lunch."
"There are strings attached."
"There is a catch."
pay off your debt - debt free
"Joe racked up a lot of debt when he was in his 20s."
"Sarah has racked up two months vacation time."
"Maria racked up six speeding tickets in the last year."
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