Couple's Argument Over Money

A2DialogueMoney, shopping and a family budgetConversation 1: Finding the Credit Card BillConversation 2: Needs vs. WantsConversation 3: The Argument Over Money Control

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  1. Conversation 1: Finding the Credit Card Bill
  2. 1
    LucyTom, what is this box?
  3. 2
    TomOh, it is my new smartwatch.
  4. 3
    LucyA smartwatch? When did you buy this?
  5. 4
    TomI bought it yesterday afternoon.
  6. 5
    LucyBut you already have a good watch.
  7. 6
    TomYes, but this one is much better.
  8. 7
    LucyAnd what is this paper on the table?
  9. 8
    TomThat is the credit card bill.
  10. 9
    LucyLet me look at this bill.
  11. 10
    TomIt is not a big deal, Lucy.
  12. 11
    LucyNot a big deal? This watch was $200!
  13. 12
    TomI know, but it was on sale.
  14. 13
    Lucy$200 is a lot of money.
  15. 14
    TomI really wanted it for my morning runs.
  16. 15
    LucyWe are trying to save money, Tom.
  17. 16
    TomI know. We are saving money.
  18. 17
    LucyDid you buy anything else?
  19. 18
    TomI just bought two new shirts.
  20. 19
    LucyTwo new shirts? You have a lot of clothes.
  21. 20
    TomBut I need them for the office.
  22. 21
    LucyYou used the credit card again.
  23. 22
    TomYes, I used the credit card.
  24. 23
    LucyWe agreed to pay with cash only.
  25. 24
    TomI didn't have enough cash yesterday.
  26. 25
    LucyI am very disappointed, Tom.
  27. 26
    TomPlease don't be angry, Lucy.
  28. 27
    LucyWe have a goal for our family.
  29. 28
    TomI understand. I made a mistake.
  30. 29
    LucyYou always say it is a mistake.
  31. 30
    TomI work hard. I want nice things sometimes.
  32. 31
    LucyI work hard, too, but I don't buy expensive things.
  33. 32
    TomYou are right. I am sorry.
  34. 33
    LucyCan you return the watch to the store?
  35. 34
    TomI already opened the box.
  36. 35
    LucyYou can still take it back.
  37. 36
    TomReally? I really want to keep it.
  38. 37
    LucyWe will talk about this more after dinner.
  39. 38
    TomOkay, we will talk later.
  40. 39
    LucyNow, please help me with the cooking.
  41. 40
    TomYes, Lucy. I am coming.
  42. Conversation 2: Needs vs. Wants
  43. 41
    LucyTom, let's sit down and talk.
  44. 42
    TomOkay, I am ready to listen.
  45. 43
    LucyWhy did you buy that expensive watch?
  46. 44
    TomBecause I really wanted it.
  47. 45
    LucyThere is a difference between want and need.
  48. 46
    TomWhat do you mean, Lucy?
  49. 47
    LucyWe need food and electricity.
  50. 48
    TomYes, those are very important.
  51. 49
    LucyYou want a smartwatch, but you don't need it.
  52. 50
    TomI guess you are right.
  53. 51
    LucyOur goal is to buy a new house.
  54. 52
    TomI know. We need a house for the baby.
  55. 53
    LucyExactly. But we cannot save money like this.
  56. 54
    Tom$200 is not a lot.
  57. 55
    LucyIt is a lot when you use the credit card.
  58. 56
    TomI will pay the bill next month.
  59. 57
    LucyThen we have to pay extra interest.
  60. 58
    TomI forgot about the interest.
  61. 59
    LucyWe waste money when we do this.
  62. 60
    TomI don't want to waste our money.
  63. 61
    LucyWe must stop buying unnecessary things.
  64. 62
    TomBut shopping makes me feel happy.
  65. 63
    LucyI understand. But saving money is more important.
  66. 64
    TomHow can we reach our goal?
  67. 65
    LucyWe must be strict with ourselves.
  68. 66
    TomIt is very hard for me.
  69. 67
    LucyIt is hard for me, too.
  70. 68
    TomYou are very good with money, Lucy.
  71. 69
    LucyI just think about our future.
  72. 70
    TomYou are a very good wife.
  73. 71
    LucyThank you. But I need you to help me.
  74. 72
    TomI will. I promise to do better.
  75. 73
    LucyI will help you control your spending.
  76. 74
    TomPlease do. I really need your help.
  77. 75
    LucyIt takes time to build a good habit.
  78. 76
    TomI'm willing to learn.
  79. 77
    LucyThat makes me feel very happy.
  80. 78
    TomI will return the watch tomorrow morning.
  81. 79
    LucyThank you, Tom. That is the right choice.
  82. 80
    TomAnything for our family.
  83. Conversation 3: The Argument Over Money Control
  84. 81
    LucyTom, we need a new plan for our money.
  85. 82
    TomOkay. What kind of plan?
  86. 83
    LucyI think I should manage all our money.
  87. 84
    TomWhat? Manage all the money?
  88. 85
    LucyYes. Please give me your credit cards.
  89. 86
    TomGive you my cards? No way!
  90. 87
    LucyYou buy too many expensive things.
  91. 88
    TomIt was just one watch, Lucy.
  92. 89
    LucyNo, it is a bad habit. You waste our money.
  93. 90
    TomI work hard for my money.
  94. 91
    LucyI work hard, too, but we need a house.
  95. 92
    TomI know, but I'm an adult.
  96. 93
    LucyThen act like an adult. Stop shopping.
  97. 94
    TomYou are treating me like a child.
  98. 95
    LucyI just don't trust you with the credit card.
  99. 96
    TomThat is very unfair, Lucy.
  100. 97
    LucyIt is fair. We cannot save money like this.
  101. 98
    TomI will cancel the card, okay?
  102. 99
    LucyNo, just give it to me. I will keep it safe.
  103. 100
    TomI need some money for myself.
  104. 101
    LucyI will give you cash every week.
  105. 102
    TomAn allowance? Like a little boy?
  106. 103
    LucyIt is a budget. It helps us save.
  107. 104
    TomI really hate this idea, Lucy.
  108. 105
    LucyDo you want a new house or not?
  109. 106
    TomYes, I want a house.
  110. 107
    LucyThen you have to listen to me.
  111. 108
    TomWe are a team, not boss and worker.
  112. 109
    LucyA team makes good choices together.
  113. 110
    TomBut you are making all the rules.
  114. 111
    LucyBecause you made a bad choice today.
  115. 112
    TomFine. Here is the credit card.
  116. 113
    LucyThank you. This is for our future.
  117. 114
    TomI still don't like it.
  118. 115
    LucyYou will thank me later.
  119. 116
    TomI hope you're right.
  120. 117
    LucyWe will save money very fast now.
  121. 118
    TomLet's try it for 1 month.
  122. 119
    LucyGood. It is a good plan.
  123. 120
    TomWe will see, Lucy.