Finacial Literacy

Задание на 26 февраля 2026

Learn the words and read the text,  say if it is important to pay attention to lables.

Ingredients: fat, sugar, salt, protein, vitamins, minerals

Nutrients – питательные вещества

Nutrition - питание

the expiration date – срок годности

to be crucial – важный

diet –диета

to be on a diet- быть на диете

to keep to a diet- соблюдать диету

 to suit dietary needs and avoid unhealthy options -  соответствовать диетическим потребностям и избегать вредных продуктов.

 to have allergies to certain ingredients

To  have allergic reactions

 to indicate when food starts losing freshness or becomes unsafe to eat.

What Hides Behind the Label

Have you ever looked closely at a product label before buying something? It’s important to know what information is hidden there! Let’s explore some key points together!

Ingredients List

This tells us exactly what ingredients are in our food or drink. Sometimes we see long words that might be hard to pronounce, but they give valuable details about additives like preservatives, colors, flavors, etc.

Nutrition Facts

Here we find out how much energy (calories), fat, sugar, salt, protein, vitamins, minerals, and other nutrients are present per serving size. This helps us make healthier choices by understanding if it has too much of something bad for us.

Expiration Date

The expiration date shows when the product should no longer be consumed because its quality may deteriorate over time. Always check this so your snacks don’t go stale!

Country of Origin & Brand Information

Know where products come from—it could affect their taste, price, safety standards, and more. Brands also provide contact info on labels which can help consumers reach them with questions or complaints.

By reading these parts carefully next time you shop, you'll become smarter buyers who understand better what goes into making each item delicious yet safe enough for consumption!

 

Why It's Important to Pay Attention to Labels

Labels tell us essential things about the products we buy. Here are reasons why it's crucial to read them carefully:

Healthy Eating: The nutrition facts section gives detailed information about calories, fats, sugars, proteins, vitamins, and minerals. Knowing this helps choose foods that suit dietary needs and avoid unhealthy options.

Allergy Alerts: Some people have allergies to certain ingredients such as nuts, dairy, gluten, soy, etc. Reading ingredient lists ensures safety against allergic reactions.

Avoiding Waste: Expiration dates indicate when food starts losing freshness or becomes unsafe to eat. Checking these prevents wasting money on spoiled items.

Making Informed Choices: Understanding where a product comes from—its country of origin—and learning about brands builds awareness of quality standards, environmental impact, and ethical practices behind production processes.

In conclusion, paying attention to labels makes shopping easier while ensuring health benefits, reducing waste, avoiding allergens, and supporting responsible consumer behavior!

Shopping is a part of our daily life. People buy things they need or want in different ways—offline and online. Both methods have their advantages and disadvantages.

Offline shopping means going to physical stores like supermarkets, malls, or boutiques. It allows you to see the product with your own eyes, touch it, try it on if it's clothing, and check its quality before buying. This can be especially important when purchasing expensive items such as electronics or furniture. Offline shopping also offers immediate satisfaction because you take what you've bought home right away. However, offline shopping takes more time since you have to travel to the store, find parking, wait in lines, etc.

Online shopping has become very popular these days. With just one click, you can order almost anything from clothes to groceries without leaving your house. It's convenient for busy people who don't have much free time during the day. Online shops often offer discounts that are not available at brick-and-mortar stores. On the other hand, there’s always some risk involved—you might receive an item that's different than expected or damaged.

In conclusion, both types of shopping have pros and cons depending on individual preferences and circumstances. Some prefer traditional offline shopping while others enjoy modern online options. The best approach may be combining them based on specific needs and situations

Задание на18 февраля 2026



In today's world of real shopping, it's important for eighth-grade students to understand how it works. Real shopping involves visiting actual stores where you can see, touch, and try on items before making a purchase. This experience is different from online shopping because you have the opportunity to interact directly with products.

When going  shopping in person, there are several things to keep in mind.

 First, plan your trip by deciding what kind of store you're interested in—clothing, electronics, or perhaps groceries.

Second, consider any sales or discounts that might be available at certain times like holidays or special events.

 Finally, don't forget about customer service; employees can provide valuable advice if needed.

Real shopping allows us to enjoy the process of discovering new things.

For modern teenagers, shopping has become much more than just visiting a store. Many young people today prefer online shopping over traditional methods. Here's why:

Convenience:

They can buy anything they want without leaving home. It's easy to compare prices and find better deals using apps or websites.

Variety:

There are countless options online compared to what's available locally. From clothes to gadgets, everything is accessible within clicks!

Reviews Matter:

 Before buying something expensive, teens often read reviews left by others who've already tried the product. This helps them avoid bad purchases.

Advantages of Online Shopping

The stores are almost never closed.

 Shoppers can shop in their pajamas.

 Online shoppers save on gas.

 There are no annoying crowds.

 Online shoppers do not have to wait in long lines to check out.

 Many online retailers allow shoppers to post reviews about the products that they purchased.

 There are more choices for buying products

Disadvantages of Shopping Online

 Online shoppers do not have the ability to  try on the items.

 Online shoppers do not always know if a site is safe to shop.

 Online shoppers often do not have a person to talk to when dealing with a problem.



Задание на 11 феврвля 2026

Read the text below and say which of them you follow and which not.

Explain why?



Задание на 5 февраля 2026

 Read the essay and arrange the paragraphs logically+ write your arguments  for or againgst:



 

Задание на 29 января 2026







задание на 21 января 2026




Teenagers and Pocket Money: Buying Expectations vs Reality

Pocket money is an important part of a teenager's life as it allows them to make their own choices about what they want to buy. However, the reality often differs from expectations when it comes to spending this limited amount of cash.

Many teenagers dream of buying expensive gadgets or fashionable clothes with their pocket money. They might see something trendy online or in stores that seems perfect for them. But once they start saving up, they realize how long it takes to accumulate enough funds. This can lead to frustration because what seemed like a simple purchase turns out to be more challenging than anticipated.

Another common issue is impulse buying. When teens come across something tempting while shopping, they may give into the urge without considering whether it's necessary or affordable within their budget. As a result, they end up regretting these purchases later on.

Learning how to manage pocket money effectively teaches valuable lessons about financial responsibility at an early age. It helps young people understand the importance of planning ahead before making any big decisions regarding spending habits. By setting realistic goals and sticking to budgets, teenagers can avoid disappointment caused by mismatched expectations versus actual outcomes.

задание на 15 января 2026



Christmas Budget Case Study

Task: Your family is planning a special New Year celebration and you have been given the responsibility to manage the budget for this event. The total amount available for spending on the holiday is 5000 Rub. However, there are several important expenses that need to be covered before you can think about fun activities or gifts.

Expenses include:

Food & Drinks (150 rub.)

Decide what type of food will be served at your party. Will it be traditional Russian dishes like olivier salad and pelmeni, or something more international?

Decorations (80 rub.)

How many decorations do you want to buy? Think about lights, garlands, tree ornaments, etc.

Gifts (150 rub.)

Who in your family should receive presents? What types of gifts would they enjoy most?

Entertainment (100 rub.)

Do you plan any entertainment such as music, games, or even hiring an entertainer? Consider different options here!

Miscellaneous Expenses (200 rub.)

There might be other small costs associated with organizing the event. Be sure not to forget these details!

Your Task:Create a detailed budget plan showing how much money will go towards each category mentioned above. Ensure that everything adds up exactly to 5000 rub without going over budget. Write short explanations for why you've chosen certain items within each category.

Example Table Format:

Category                    Amount Allocated                       Reasoning

Food & Drinks

Decorations               

Gifts               

Entertainment                       

                       

Total    500 rub

18.12.25

Ask 5 questions.


Once upon a time in a small town lived two sisters named Anna and Lena. Anna was older and smarter than her little sister who always looked up to her big sis for guidance and wisdom. One day while playing together at home, Lena asked curiously, “Anna, what are these colorful papers that Mommy gives you sometimes?”

Anna smiled gently and replied, “Those are called money, sweetie.” She then decided it would be fun to teach her younger sibling about the different types of currency they had learned about in school.

“Money comes in many forms,” she began enthusiastically. “There’s cash which includes bills like dollars or rubles, coins such as pennies or kopecks, and even digital money stored on cards or phones.”

Lena listened attentively with wide eyes full of wonderment before asking another question, “But why do people need them if we can just bake cookies instead?” This made both girls giggle heartily until Anna explained further.

“You see, back when humans first started trading goods long ago, there wasn’t any official way to measure value between items exchanged. So someone came up with an idea—let's use something everyone agrees has worth! That became known as 'commodity money,' where things like gold were used because everybody knew how valuable those shiny rocks really were."

She continued excitedly, holding up some play coins from their toy chest, saying, “These days though, most countries have switched over to using paper notes printed by governments themselves rather than relying solely on precious metals anymore."

Finally wrapping up this mini lesson, Anna concluded cheerfully, “And last but not least, there's electronic payment systems too now available everywhere thanks to technology advancements!"

With understanding dawning across her face, Lena nodded happily knowing exactly what all these strange-sounding words meant after hearing everything clearly laid out so simply yet effectively by none other than her beloved elder sister herself!

 



11.12.25

Main Properties of Money:

  1. Exchange of Goods and Services. For example, buying a pastry for 50 rubles—you give the seller money, and he gives you a tasty pastry.
  2. Measuring the Cost of Products. You know that one bun costs 30 rubles, and a packet of milk costs 80 rubles. That's because prices are set in rubles (or another currency).
  3. Storing Wealth. When parents put their salary into a card or keep some cash at home, they're preserving the value of their labor.

Now let's take a closer look at the different forms modern money comes in.

Forms of Modern Money

Today's money exists primarily in two basic forms:

  1. Cash Money: Coins and paper bills. This is what's in your wallet or pocket. Bought a book for 200 rubles in cash—handed over the paper, got the product.
  2. Non-cash Money: Electronic records in banks. Imagine your savings not sitting in a piggy bank, but stored electronically in Sberbank or Tinkoff Bank. It's these types of funds most adults use daily: paying utility bills online, purchasing movie tickets via card, even ordering food delivery straight to your doorstep.

But here's where it gets interesting… There are many tools out there that work almost like real money but differ slightly. Let's explore some examples in detail.

Money Equivalents 🧐

Sometimes it's easier to use certain tools that behave nearly identically to actual money but come with unique features:

  1. Debit Cards and Checking Accounts: Think of virtual wallets and counters of your balance. These funds exist digitally within the bank, yet you can withdraw them from an ATM or make purchases at stores with just a swipe. Example: Dad bought Mom a gift using his Sberbank card.
  2. Savings Accounts: Similar to checking accounts, but often hold larger sums meant for saving. Sometimes these accounts earn interest, meaning the amount grows thanks to the bank. Grandma deposited her pension here, waiting until she accumulates enough money.
  3. Traveler's Cheques: People used to carry these during trips so they wouldn't bring too much cash. Nowadays, they're rarely used since cards became more practical. A travel cheque looks like regular paper which could be exchanged for money practically anywhere globally. In the past, grandpa took traveler's cheques whenever he went on vacation.
  4. Electronic Payment Systems: Qiwi, Webmoney, YooMoney—services allowing storage of money online and making payments instantly. Say mom wants to order a dress from China via AliExpress. She'll pay using an electronic wallet, transferring money to the seller with just a couple clicks.

26.11.25




06.11.25

 Fill in the missing words.

It is important for parents to … their children about … early in life. Financial … includes understanding basic concepts such as saving, …, and investing. Children should … the difference between … and needs, and how to set … goals. One useful method is giving children …, which introduces them to the concept of … . Parents can encourage their children to …part of their … money for larger purchases. Teaching children responsible habits regarding … prepares them for … , ensuring they develop strong …  skills. Additionally, involving children in family discussions about … helps to understand topics related to income, expenses, and investments. Through practical experiences, children … valuable knowledge that will benefit them throughout their lives.



16.10.25





02.10.25

learn the words and expessions


Adults believe it is important to teach children how to handle money because money plays a significant role in our daily lives. Here are the reasons why adults want children to learn proper financial management:

▌ 1. Understanding the Value of Money

Children need to understand where money comes from and what it's used for. This helps them appreciate the importance of work and effort required to earn money.

▌ 2. Developing Financial Literacy

Financial literacy includes knowledge about saving, spending wisely, and budget planning. These skills will benefit children when they grow up and manage their finances independently.

▌ 3. Building Responsibility

Learning to handle money creates a sense of responsibility. Children learn to make decisions and take responsibility for  their financial actions.

▌ 4. Preparing for Future Independence

Knowledge of basic money management prepares children for independent living. They can better cope with life's challenges and avoid financial difficulties.

▌ 5. Creating Good Habits

Early education on responsible money handling forms beneficial habits such as saving, investing, and wise spending. These habits stay with children throughout their lives.


24.09.25

 Fill in  the missing words: wants,income,expenses ,budget, money,needs (2), savings.

Think of your 1 as a way to keep track of your 2. Here’s an easy breakdown:


1. 3: The money you receive from allowance, work, or gifts.

2. 4: Things you spend money on, divided into two types:

   - 5: Essential items like food, clothing, books.

   - 6: Fun stuff like video games, treats, movies.


Here’s what you should do:


- Write down how much money you get and where it goes.

- Always pay for your 7 before anything else.

- Save some money every time you get paid. This will help you buy bigger things later.


Borrowing money isn’t bad, but don’t do it too much. Borrowing means you’ll have to give back even more money later. So, stick to 8 and planning ahead 


 03/09/25


▌ How Teens Think About Money


Kids usually start learning about money during their teen years. It's new to them, so different things affect how they think about it—like what their parents teach them, what friends say, and stuff they see online.


▌ What Do They Buy?


Many teens buy things right away because they want something now. They might spend money quickly on clothes, gadgets, movies, food, and other fun stuff. But some teens try really hard to be smart with their money, saving up for big dreams like college or trips.


▌ Why Save?


The amount saved depends on how much extra money they have after buying essentials. If you're richer, you'll probably save more easily. Some clever teens work small jobs to make extra money, which teaches them good saving habits.


▌ Making Money


Most teens believe in working hard to succeed. Many dream of doing cool jobs that let them express creativity while making enough money to live well. Others choose safer paths because they worry less about risks.


▌ Friends and Ads Matter Too!


Friends play a huge role in deciding what to buy. When everyone else buys fancy things, teens feel pressured to do the same. Plus, ads everywhere push luxurious lifestyles, making kids think having lots of money will solve all problems.


▌ Final Thoughts


All together, today's teens care more about enjoying life than owning expensive stuff. Yet they're still worried about their future, feeling unsure about what's next. Learning good money habits early helps them handle money wisely, giving them confidence for whatever happens next.

10.09.25
  
Speak about the way you manage your pocket money, using the following expressions:

to help to  fulfill wishes and dreams

to manage money

to save a small amount

 to buy everything right away

to teach to plan ahead

to have a piggy bank

 to go towards bigger purchases

to buy gifts for loved ones.

 to learn to appreciate the value of things

to understand the effort parents put into earning money

to teach to be responsible

 to teach somebody responsibility


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