B1.30: Personal budget

Presupuesto personal

Learn to discuss your personal budget in Spanish with key vocabulary like gestor (manager) and cuenta bancaria (bank account). This lesson covers noun clauses with infinitive and inflected forms to express financial ideas clearly.

Listening & reading materials

Practice vocabulary in context with real materials.

B1.30.1 Cultura

El gestor y la cuenta bancaria

The manager and the bank account


Vocabulary (7)

 El presupuesto: The budget (Spanish)

El presupuesto

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The budget Show

 Los intereses: The interests (Spanish)

Los intereses

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The interests Show

 Gastar (to spend) - Verb conjugation and exercises

Gastar

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To spend Show

 Invertir (to invest) - Verb conjugation and exercises

Invertir

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To invest Show

 El préstamo: The loan (Spanish)

El préstamo

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The loan Show

 Mensualmente: Monthly (Spanish)

Mensualmente

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Monthly Show

 Anualmente: Annually (Spanish)

Anualmente

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Annually Show

Exercises

These exercises can be done together during conversation lessons or as homework.

Exercise 1: Oraciones subordinadas sustantivas: de infinitivo y flexionadas

Instruction: Fill in the correct word.

Grammar: Noun subordinate clauses: infinitive and inflected

Show translation Show answers

revisar, reunir, revise, invertir, calculéis, gastar, reduzcan

1. Calcular:
Es fundamental para vosotros que ... los intereses del préstamo antes de aceptar la oferta.
(It is essential for you to calculate the loan interest before accepting the offer.)
2. Revisar:
Es importante ... el presupuesto mensualmente para evitar gastos innecesarios.
(It is important to review the budget monthly to avoid unnecessary expenses.)
3. Invertir:
El gerente propone ... en nuevos intereses para aumentar las ganancias anualmente.
(The manager proposes investing in new interests to increase profits annually.)
4. Gastar:
Los clientes prefieren ... el dinero del cheque en vez de transferirlo a la cuenta.
(Customers prefer to spend the money from the cheque rather than transfer it to the account.)
5. Reducir:
El director exige que se ... los gastos mensualmente.
(The director demands that expenses be reduced monthly.)
6. Reunir:
Mi objetivo es ... el presupuesto necesario para pagar la hipoteca antes de la fecha límite.
(My goal is to gather the necessary budget to pay off the mortgage before the deadline.)
7. Revisar:
El banco me sugiere que ... la cuenta antes de autorizar el préstamo.
(The bank suggests that I check the account before authorising the loan.)
8. Invertir:
Queremos ... el dinero de la cuenta en un fondo con intereses más altos.
(We want to invest the money from the account in a fund with higher interest rates.)

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Personal Budget and Banking Vocabulary

This lesson focuses on vocabulary and grammar related to managing your personal budget and interacting with your bank manager (el gestor) and your bank account (la cuenta bancaria). These words are essential for daily financial conversations in Spanish, especially when discussing expenses, savings, and account management.

Useful Vocabulary

  • El gestor – the bank manager or account manager
  • La cuenta bancaria – bank account
  • Ahorrar – to save money
  • Gastar – to spend
  • Saldo – balance
  • Transferencia – bank transfer
  • Retirar dinero – to withdraw money

Understanding Subordinate Noun Clauses in Spanish

This lesson also covers oraciones subordinadas sustantivas (subordinate noun clauses), which are phrases acting as nouns within a sentence. You will specifically study two forms: de infinitivo (infinitive clauses) and flexionadas (conjugated subordinate clauses).

Subordinate Clauses with Infinitives

Infinitive subordinate clauses often follow verbs or expressions like "tener que" or "querer". For example:

  • Necesito ahorrar dinero para el futuro. (I need to save money for the future.)
  • Quiero abrir una cuenta bancaria. (I want to open a bank account.)

Flexionadas (Conjugated) Subordinate Clauses

These clauses contain conjugated verbs and usually start with que. For example:

  • Espero que el gestor me ayude con la documentación. (I hope that the manager helps me with the paperwork.)
  • Es importante que revises el saldo regularmente. (It is important that you check the balance regularly.)

Key Differences Between English and Spanish Sentence Structure

Unlike English, Spanish frequently uses subordinate noun clauses with the conjunction "que" to express what someone thinks, hopes, or feels. In English, these are often expressed with infinitives or different sentence structures.

Additionally, Spanish commonly employs infinitive clauses without a subject when the subject is the same as the main clause, simplifying the sentence.

Practical Phrases

  • Quiero abrir una cuenta. (I want to open an account.)
  • Es necesario que pagues la factura. (It is necessary that you pay the bill.)
  • Tengo que ahorrar más dinero. (I have to save more money.)
  • Espero que el gestor me explique los gastos. (I hope the manager explains the expenses to me.)

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