The document provides tips for saving money during the holiday season. It outlines several activities for a workshop, including reviewing vocabulary related to holiday spending, filling in blanks with vocabulary words, reading a dialogue about holiday shopping, and discussing ways to save money. Some of the tips discussed include making a budget, tracking spending, getting an early start on shopping to avoid stress, considering whether warranties are needed, embracing potlucks to share costs, using gift cards, avoiding impulse buys, staying out of shopping malls, and giving homemade or service-oriented gifts.

1. Consumer tips for the holiday
season
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2. Our Agenda
1. Agenda
2. Objectives
3. Introductions
4. Activity 1: Class discussion
5. Activity 2: Review vocabulary
6. Activity 3: fill-in-the-blank
7. Activity 4: read a dialogue
8. Activity 5: discuss ways to save money during the holiday season
9. Activity 6: case studies
10. Activity 7: dictation

3. Workshop Objectives
1. To learn 10 new words related to saving
money during the holiday season
2. To learn 13 ways you can money during
the holiday season

4. • What is your name?
• Where are you from?
Introductions

5. Join us in a group discussion
Activity 1

6. What do you like about the holiday
season?
Group discussion

7. Tell us about your most popular holiday in
your birth country.
Group discussion

8. Do you have any tips about how to save
money during the holiday season?
Group discussion

9. Let’s review the vocabulary
Activity 2

10. Activity one: Vocabulary Review
A plan or way of doing something
To start early
To spend more money than you had originally
planned
To make a plan about how much money you plan
to spend
Something that is very simple or easy
warranty Track your spending
Make a budgetexceed your budget convenient Over spend
strategy Get a head start scrooge
indulge

11. Activity one: Vocabulary Review
A plan or way of doing something
To start early
To spend more money than you had originally
planned
To make a plan about how much money you plan
to spend
Something that is very simple or easy
warranty Track your spending
Make a budgetexceed your budget convenient Over spend
strategy
Get a head start scrooge
indulge

12. Activity one: Vocabulary Review
A plan or way of doing something
To start early
To spend more money than you had originally
planned
To make a plan about how much money you plan
to spend
Something that is very simple or easy
warranty Track your spending
Make a budgetexceed your budget convenient Over spend
strategy
Get a head start
scrooge
indulge

13. Activity one: Vocabulary Review
A plan or way of doing something
To start early
To spend more money than you had originally
planned
To make a plan about how much money you plan
to spend
Something that is very simple or easy
warranty Track your spending
Make a budgetexceed your budget convenient
Over spend
strategy
Get a head start
scrooge
indulge

14. Activity one: Vocabulary Review
A plan or way of doing something
To start early
To spend more money than you had originally
planned
To make a plan about how much money you plan
to spend
Something that is very simple or easy
warranty Track your spending
Make a budget
exceed your budget convenient
Over spend
strategy
Get a head start
scrooge
indulge

15. Activity one: Vocabulary Review
A plan or way of doing something
To start early
To spend more money than you had originally
planned
To make a plan about how much money you plan
to spend
Something that is very simple or easy
warranty Track your spending
Make a budget
exceed your budget
convenient
Over spend
strategy
Get a head start
scrooge
indulge

16. Activity one: Vocabulary Review
A person who is grouchy and does not like
Christmas.
To monitor how much money you spend
To go over how much you had planned to spend
A type of insurance plan to cover the cost of an
item purchased in case it malfunctions
To give in and spend lots of money in a
careless way
warranty Track your spending
exceed your budget
scrooge
indulge

17. Activity one: Vocabulary Review
A person who is grouchy and does not like
Christmas.
To monitor how much money you spend
To go over how much you had planned to spend
A type of insurance plan to cover the cost of an
item purchased in case it malfunctions
To give in and spend lots of money in a
careless way
warranty Track your spending
exceed your budget
scrooge
indulge

18. Activity one: Vocabulary Review
A person who is grouchy and does not like
Christmas.
To monitor how much money you spend
To go over how much you had planned to spend
A type of insurance plan to cover the cost of an
item purchased in case it malfunctions
To give in and spend lots of money in a
careless way
warranty
Track your spending
exceed your budget
scrooge
indulge

19. Activity one: Vocabulary Review
A person who is grouchy and does not like
Christmas.
To monitor how much money you spend
To go over how much you had planned to spend
A type of insurance plan to cover the cost of an
item purchased in case it malfunctions
To give in and spend lots of money in a
careless way
warranty
Track your spending
exceed your budget
scrooge
indulge

20. Activity one: Vocabulary Review
A person who is grouchy and does not like
Christmas.
To monitor how much money you spend
To go over how much you had planned to spend
A type of insurance plan to cover the cost of an
item purchased in case it malfunctions
To give in and spend lots of money in a
careless way
warranty
Track your spending
exceed your budget
scrooge
indulge

21. Activity one: Vocabulary Review
A person who is grouchy and does not like
Christmas.
To monitor how much money you spend
To go over how much you had planned to spend
A type of insurance plan to cover the cost of an
item purchased in case it malfunctions
To give in and spend lots of money in a
careless way
warranty
Track your spending
exceed your budget
scrooge
indulge

22. Activity three: fill-in-the- blank
1. Check your _______________ to make sure nobody has used your credit card.
2. You must ____________________ your records on a regular basis.
3. Did you bring your passport and other important ________________ ?
4. I think I have been a victim of _________________ I have not received any mail for more
than 5 days. This is not usual because I usually get mail at least every second day!
5. Your ____________________ may be affected by missed payments.
convenientMake a budgetwarranty scrooge
Over spend
Track your spending
strategy
Get a head start
Exceed your budget
indulge

23. Activity three: fill-in-the- blank
1. The location of the mall is so __________________ . It’s so close to my home!
2. I need a new ________________________ to help me save money.
3. Next year I think I will ___________________ on my shopping. I’m going to start in June!
4. _________________________________ . You can do this by keeping your receipts.
5. Don’t be such a _________________ . Why do you hate Christmas so much?
convenientMake a budgetwarranty scrooge
Over spend
Track your spending
strategy
Get a head start
Exceed your budget
indulge

24. Activity three: fill-in-the- blank
1. The location of the mall is so __________________ . It’s so close to my home!
2. I need a new ________________________ to help me save money.
3. Next year I think I will ___________________ on my shopping. I’m going to start in June!
4. _________________________________ . You can do this by keeping your receipts.
5. Don’t be such a _________________ . Why do you hate Christmas so much?
convenient
Make a budgetwarranty scrooge
Over spend
Track your spending
strategy
Get a head start
Exceed your budget
indulge

25. Activity three: fill-in-the- blank
1. The location of the mall is so __________________ . It’s so close to my home!
2. I need a new ________________________ to help me save money.
3. Next year I think I will ___________________ on my shopping. I’m going to start in June!
4. _________________________________ . You can do this by keeping your receipts.
5. Don’t be such a _________________ . Why do you hate Christmas so much?
convenient
Make a budgetwarranty scrooge
Over spend
Track your spending
strategy
Get a head start
Exceed your budget
indulge

26. Activity three: fill-in-the- blank
1. The location of the mall is so __________________ . It’s so close to my home!
2. I need a new ________________________ to help me save money.
3. Next year I think I will ___________________ on my shopping. I’m going to start in June!
4. _________________________________ . You can do this by keeping your receipts.
5. Don’t be such a _________________ . Why do you hate Christmas so much?
convenient
Make a budgetwarranty scrooge
Over spend
Track your spending
strategy
get a head start
Exceed your budget
indulge

27. Activity three: fill-in-the- blank
1. The location of the mall is so __________________ . It’s so close to my home!
2. I need a new ________________________ to help me save money.
3. Next year I think I will ___________________ on my shopping. I’m going to start in June!
4. _________________________________ . You can do this by keeping your receipts.
5. Don’t be such a _________________ . Why do you hate Christmas so much?
convenient
Make a budgetwarranty scrooge
Over spend
Track your spending
strategy
get a head start
Exceed your budget
indulge

28. Activity three: fill-in-the- blank
1. The location of the mall is so __________________ . It’s so close to my home!
2. I need a new ________________________ to help me save money.
3. Next year I think I will ___________________ on my shopping. I’m going to start in June!
4. _________________________________ . You can do this by keeping your receipts.
5. Don’t be such a _________________ . Why do you hate Christmas so much?
convenient
Make a budgetwarranty
scrooge
Over spend
Track your spending
strategy
get a head start
Exceed your budget
indulge

29. Activity three: fill-in-the- blank
1. Did you buy a ______________ for your computer?
2. If you _______________________ you may avoid spending too much money.
3. It’s ok to _________________ from time to time. Let’s go to Hawaii for the holidays!
4. I don’t have too much money. I don’t want to ________________ .
5. Did you _______________________ again? I told you to buy gifts that were a little more
affordable!
Make a budgetwarranty
Over spend Exceed your budget
indulge

30. Activity three: fill-in-the- blank
1. Did you buy a ______________ for your computer?
2. If you _______________________ you may avoid spending too much money.
3. It’s ok to _________________ from time to time. Let’s go to Hawaii for the holidays!
4. I don’t have too much money. I don’t want to ________________ .
5. Did you _______________________ again? I told you to buy gifts that were a little more
affordable!
Make a budget
warranty
Over spend Exceed your budget
indulge

31. Activity three: fill-in-the- blank
1. Did you buy a ______________ for your computer?
2. If you _______________________ you may avoid spending too much money.
3. It’s ok to _________________ from time to time. Let’s go to Hawaii for the holidays!
4. I don’t have too much money. I don’t want to ________________ .
5. Did you _______________________ again? I told you to buy gifts that were a little more
affordable!
make a budget
warranty
Over spend Exceed your budget
indulge

32. Activity three: fill-in-the- blank
1. Did you buy a ______________ for your computer?
2. If you _______________________ you may avoid spending too much money.
3. It’s ok to _________________ from time to time. Let’s go to Hawaii for the holidays!
4. I don’t have too much money. I don’t want to ________________ .
5. Did you _______________________ again? I told you to buy gifts that were a little more
affordable!
make a budget
warranty
Over spend Exceed your budget
indulge

33. Activity three: fill-in-the- blank
1. Did you buy a ______________ for your computer?
2. If you _______________________ you may avoid spending too much money.
3. It’s ok to _________________ from time to time. Let’s go to Hawaii for the holidays!
4. I don’t have too much money. I don’t want to ________________ .
5. Did you _______________________ again? I told you to buy gifts that were a little more
affordable!
make a budget
warranty
over spend
Exceed your budget
indulge

34. Activity three: fill-in-the- blank
1. Did you buy a ______________ for your computer?
2. If you _______________________ you may avoid spending too much money.
3. It’s ok to _________________ from time to time. Let’s go to Hawaii for the holidays!
4. I don’t have too much money. I don’t want to ________________ .
5. Did you _______________________ again? I told you to buy gifts that were a little more
affordable!
make a budget
warranty
over spend
exceed your budget
indulge

35. Let’s read a dialogue
Activity 4

36. Listen to a dialogue:
Johanna
Margarita
Johanna
Margarita
Johanna
Margarita
Johanna
Margarita
Johanna
Margarita
What a day!
Why? What happened?
I just got back from my first day of shopping, and it was so hectic. I still
have a lot more to do.
Do you have a strategy to make the job easier?
What do you mean?
Well, for one thing, you should make a budget. That means you must
decide how much money you have to spend. Making a budget will prevent
over spending.
I know, I know. I think I may have already exceeded my budget.
Well, you know sometimes it’s ok to indulge a little.
I suppose, but I think next year I am going to track my spending a little
better.
That sounds like a good idea.

37. Listen to a dialogue:
Johanna
Margarita
Johanna
Margarita
Johanna
Margarita
Johanna
I do have one question. What do you think of warranties? I bought a
computer and the salesman talked me into buying a warranty that
seemed a little expensive.
Hmmmmmm ….. I think they can be convenient at times. One year I
bought a stereo with a warranty. It broke down and I was able to replace it
the very next day. On the other hand there are times when people buy
warranties for products that break down after the warranty has ended.
This can be a difficult decision.
Yes. I feel like I’ve got lots of time to look for nice gifts for my family
and friends, without feeling stressed.
Exactly. One thing that you really did right, Johanna, was that you got a
head start with your shopping this year.
Sounds like there are pros and cons when buying warranties.
Fantastic! Shopping while stressed really makes me feel like a scrooge.
No kidding!

38. Activity 5
Let’s discuss saving
money during the
holidays

39. 1. Make a budget
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1. Make a budget

40. 1. Make a budget
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1. Make a budget
Decide how much you can spend and who
you need to buy gifts for.

41. 2. Track your spending
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3. Get a head start

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3. Get a head start
The more time you have to accomplish
your task the less stressful will be your
shopping task!

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4. Study the warranty

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4. Study the warranty
You may not need it!

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5. Embrace the potluck!

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5. Embrace the potluck!
Many hands make lighter work and less
stress!

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6. Use gift cards

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6. Use gift cards
In many cases this can really reduce
stress!

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7. Avoid impulse buying

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7. Avoid impulse buying
Think before you buy!

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8. Stay away from shopping
malls

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8. Stay away from shopping
malls
Hanging out at the mall may cause you to
spend too much money.

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9. Give home made gifts

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9. Give home made gifts
Home made gifts show how much you
care!

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10. Have a secret Santa

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10. Have a secret Santa
These are so
much fun- and
save time and
money!

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11. Give gifts of service

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11. Give gifts of service
You could give coupons to
shovel snow, grocery shop
or give a back rub!

60. 1. Make a budget
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12. Buy online

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12. Buy online
You can often
get great
deals online!

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13. Focus on the celebration

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13. Focus on the celebration
Enjoy the season!

64. Case studies
Activity 6

65. Case Studies
• Read each study and discuss
• what mistake was made (if any)
• What can be done now to fix the problem
• What can be done to prevent identity theft

66. Case Study One:
Miguel is stressed out. It’s December 24 and
he doesn’t know what to buy his wife for
Christmas.

67. Case Study Two:
Samantha went to the mall and exceeded
her budget by more than $200.00! She still
has 3 people to buy for.

68. Case Study Three:
Su Jie finished her shopping and was very
happy until she realized she had forgotten
2 other people she was supposed to buy
gifts for.

69. Dictation
Activity 7

70. Dictation 1

71. Dictation 1
Getting a head start is a great way to save
money at Christmas.

72. Dictation 2

73. Dictation 2
Avoid impulse buying. Make a budget and
stick to it.

74. Dictation 3

75. Dictation 3
Making home made gifts is a great way to
save money at Christmas. The receiver
will know that you care because it was
made especially for her.

76. Dictation 4

77. Dictation 4
Gift cards can be the perfect gift if you don’t
know what to buy someone. It gives the
receiver the opportunity to choose their
own gift.

78. Dictation 5

79. Dictation 5
Relax and enjoy the season. Christmas
really is all about enjoying your family- and
old and new friends

80. Thanks for Attending!
See you next time!