下面是日常英语口语对话一部分，我们学习英语口语的人们看看人家是怎么对话的 ，然后学习一下这些说话的方式。对我们的口语学习来说还是很有帮助的。

　　Harry: Damn it, I'm running out of money again. I really need to balance my budget and handle my money better.

　　Lily: You do spend too much, and most of the expenses are kind of unnecessary.

　　Harry: But I make it.

　　Lily: You know, you don't have to spend every penny you make. You could save some every month, like a lot of other people do.

　　Harry: I work hard so I deserve to enjoy myself now and then, but that costs money.

　　Lily: You should save in case of an emergency. You need to have more self-control. What sorts of things do you spend your money on?

　　Harry: The problem is that I have no idea. I never really pay attention.

　　Lily: Let bygones be bygones. Start saving right now.

　　Harry：见鬼，我又要没钱了，我真的需要平衡收支预算并改善我的用钱方式了.

　　Lily：你花钱太多了，而且太多花费都是没必要的.

　　Harry：但是那钱是我挣的.

　　Lily：尽管如此，你也没必要把你挣的每一分钱都花光啊.你可以每月存点儿，像其他人一样.

　　Harry：我工作很辛苦，应该好好享受，可是都是要花钱的.

　　Lily：为了应急，你应该存钱.你需要更好的控制自己，你把钱都花哪儿去了?

　　Harry：问题是我也不知道，我也没注意.

　　Lily：过去的就让他过去吧，从今天开始存钱吧.