1. Do you prefer to spend or save money?
It actually depends on the context and my current financial situation. I normally prioritize saving for important goals, but I also value occasional spending on outings with my friends or personal gifts.
2. What do you think about payment apps or mobile payments?
I think those online payment tools offer a convenient and secure way to manage finances. They simplify transactions , eliminate the need to carry cash, and sometimes even offer rewards or cashback . But it's still important to be mindful of potential fees or security risks.
3. Do you use a credit card to buy things?
No, I don't typically use a credit card for purchases because I find it much easier to manage my expenses using cash or debit cards . I also believe in spending within my means and avoiding the temptation to accumulate debt through credit cards.
4. Do you think cash will still be popular in the future?
Well, although cashless payments are growing extremely fast, I don’t think cash will disappear entirely. I mean, it still offers advantages like privacy and accessibility, especially for the unbanked or the low-tech .
VOCABULARY
outing (n) = chuyến đi dã ngoại
transaction (n) = giao dịch tài chính
cashback (n) = hoàn lại tiền
credit card / debit card (phrase) = thẻ tín dụng / thẻ ghi nợ
spend within one’s means (phrase) = chi tiêu trong khả năng của bản thân
temptation (phrase) = sự cám dỗ
accumulate debt (phrase) = tích lũy nợ
cashless payment (phrase) = thanh toán không sử dụng tiền mặt
the unbanked (phrase) = những người không có tài khoản ngân hàng
the low-tech (phrase) = những người không rành công nghệ
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