每日口說挑戰如何停止入不敷出的生活 (How to Stop Living Outside Your Means)

Hello friends. It’s your friendly neighborhood Voicetube host, Hubert, at your service once again. Today’s episode is quite short yet effective. This is what I love about Matt D’avella’s work. Matt is the speaker in the video. It’s simplistic. I’m always left with many thoughts at the end of his videos. He’s quite an inspiration and I try to incorporate some of his habits into my own personal life.
In this video, Matt talks about budgeting for travel and how it’s not as expensive as we think it is. All we have to do, is to budget accordingly and not waste money on things that don’t serve us. He’s talking about prioritizing the things that matter to us and cutting out the unnecessary expenses to be saved towards travel. It’s a great video and I’m excited for you guys to watch it.

Alright, let’s get to our featured sentence.

I began to chip away at my debt, paying off my car loan, and making room in my budget for travel.

I’ll say that again.

“I began to chip away at my debt, paying off my car loan, and making room in my budget for travel”.

Ok, now time for the Pronunciation Tips.

Debt
With this word, you don’t pronounce the “B” sound. It’s a silent “B” so it’s simply “det”.

Loan
With this word, try saying the word “own” and then add an “L” in front of it to become “Lown”. That’s how you pronounce “Loan”.

Budget
Break this down into two syllables. “Buh·juht”. Has more of a “J” sound on the “get” part.

Vocabulary:
1. debt (n.) KK[dɛt] IPA/dɛt/
Definition:
something, especially money, that is owed to someone else, or the state of owing something
Used in a sentence you could say,
“Tom didn’t want anyone to know that he was deeply in debt.”


Next word,
2. loan (n.) KK[lon] IPA/ləʊn/
Definition:
money lent at interest
An example would be,
“I went to the bank hoping to get a bank loan.”

Next word,
3.2. chip away (phr.)
Definition:
gradually and relentlessly make something smaller or weaker.
In a sentence, you can say,
“All the rejection letters started to chip away at his confidence.”

4.3. budget (n.) KK[ˋbʌdʒɪt] IPA/ˈbʌʤɪt/
Definition:
a plan to show how much money a person or organization will earn and how much they will need or be able to spend
Used in a sentence you can say,
“We must budget accordingly when we are planning a trip.”

And that’s it for today’s episode. How did you feel after watching today’s video? Did you learn anything new? I certainly did! Matt D’avella is great. Alright before I wrap this up, do me a favor and leave some recordings so I can hear some of you! Leave some comments about how you felt after today’s episode. I’d love to hear your thoughts!
Alright, see you next time!

#小貼士：
ch [tʃ] 不帶有[ʊ]的音（嘟嘴不噘嘴）。
尤其後接 [ɪ] 或[i]時，易滑掉像中文的「趣」。

I began to chip away at my debt, paying off my car loan, and making room in my budget for travel.

我月中就開始吃土了…嗚嗚

I began to chip away at my debt, paying off my car loan, and making room in my budget for travel.

I began to *chip away at(逐漸減少) my debt(/det/欠債n.), *paying off(付清) my car loan(/loʊn/貸款n.), and *making room(騰出空間) in my budget(/ˈbʌdʒ.ɪt/預算) for travel.
我開始慢慢還清欠債、還清車貸，騰出旅遊的預算。

Hello friends. It’s your friendly neighborhood Voicetube host, Hubert, at your service once again. Today’s episode is quite short yet effective(有效的). This is what I love about Matt D’avella’s work. Matt is the speaker in the video. It’s simplistic(/sɪmˈplɪs.tɪk/極簡化的). I’m always left with many thoughts at the end of his videos. He’s quite an inspiration(/ˌɪn.spəˈreɪ.ʃən/給人靈感,激勵人心n.) and I try to incorporate(/ɪnˈkɔːr.pɚ.eɪt/納入v.) some of his habits into my own personal life. In this video, Matt talks about budgeting for travel and how it’s not as expensive as we think it is. All we have to do, is to budget accordingly(/əˈkɔːr.dɪŋ.li/照著adv.) and not waste money on things that don’t serve(對...有用v.) us. He’s talking about prioritizing(/praɪˈɔːr.ə.taɪz/確定順序v.) the things that matter(要緊,重要v.) to us and cutting out the unnecessary expenses(expense/ɪkˈspens/支出n.) to be saved towards travel. It’s a great video and I’m excited for you guys to watch it.

◆ simplistic /sɪmˈplɪs.tɪk/ a. 過分簡化的 = making a problem, situation, etc. seem less difficult or complicated than it really is
They have a simplistic point of view about the war. 他們對戰爭持有一種過分簡化的觀點。

◆ incorporate /ɪnˈkɔːr.pɚ.eɪt/ v. 包含；將…包括在內
Suggestions from the survey have been incorporated into/in the final design. 調查中取得的建議已被納入最終的設計之中。

◆ prioritize = prioritise /praɪˈɔːr.ə.taɪz/ v. 確定（事項的）優先次序
You must learn to prioritize your work. 你必須學會在工作中確定事情的輕重緩急。

1. debt (n.) /dɛt/債，借款 something, especially money, that is owed to someone else, or the state of owing something
☻︎ Tom didn’t want anyone to know that he was deeply *in debt(負債).

2. loan (n.) /ləʊn/貸款 money lent at interest(利息n.)
☻︎ I went to the bank hoping to get a bank loan.

3. chip away at sth : (phr.) 逐漸減少；蠶食；去除 gradually and relentlessly(/rɪˈlentləsli/殘酷地,無情地) make something smaller or weaker.
☻︎ All the rejection(拒絕n.) letters started to chip away at his confidence.

4.1 budget (n.) /ˈbʌʤɪt/ 預算a plan to show how much money a person or organization will earn and how much they will need or be able to spend
She tried to keep her monthly budget below $400. 她試圖將每月的開支限制在四百元以下。

4.2 budget (v.) 把……編入預算；按照預算來計畫
☻︎ We must budget accordingly when we are planning a trip.

☺I began to chip away at my debt, paying off my car loan, and making room in my budget for travel.
我開始慢慢清償我的債務，付清車貸，並開始挪出旅遊預算。
【心得】錢越是不夠，越要善用。
■debt [dɛt] (n.C or U) 借款、欠款；債(務)
(n.C) 恩義、情義
(n.U)負債
■loan [lon] (n.C) 貸款、借款；外來語
(n.C or U) 借出；借出的東西
(vt.) 借出、貸與
(vi.) 借出
■chip away (ph. vt.) 小塊小塊地弄掉
(ph. vi.) vi.不斷剝落；消減、減少
■budget [ˋbʌdʒɪt] (n.C or U) 預算；預算費；生活費、經費[(+for)] (e.g. to go over/stay within budget 超出／未超出預算to be on a tight budget 預算很緊)
(n.C)(一)批、(一)堆；大信息量長信[(+of)]；(政府的)預算案、年度預算
(adj.)低廉的、收費公道的
(vt.) 把…編入預算；按照預算來計畫；安排、預定
(vi.) 編列預算[(+for)]
■live beyond one’s means (ph.) 入不敷出
■live within one’s means (ph.) 量入為出

Budgeting for travel is not travel at all, is it?

暑假作業-7

I began to chip away at my debt, paying off my car loan, and making room in my budget for travel.
我開始慢慢清償我的債務，付清車貸，並開始挪出旅遊預算。

嗨嗨 ya