What is this lesson about?
This Financial Wellbeing ESL lesson plan helps intermediate learners discuss money, spending habits, and financial decisions in everyday life. Students explore relatable situations such as saving for travel, managing expenses, and dealing with unexpected costs while building confidence talking about money in English.
 
What language will students learn?
Students practise vocabulary and natural expressions related to money, including:
Vocabulary
budget
savings
investment
income
debt
loan
expense
spending habits
Phrasal verbs
set aside
fork out
cut back on
splash out
pay off
save up
run up
Idioms
tighten your belt
live within your means
on a shoestring budget
throw money down the drain
make ends meet
cost an arm and a leg
 
How do students practise?
Learners develop fluency through a conversation-first sequence:
Spending habits warm-up discussion
Money personality reflection
“This or That” financial choices activity
Real-life financial situations discussion
Vocabulary discovery through scenarios
Phrasal verbs explored through short money stories
Personal finance discussion tasks
Idioms used in opinion statements
Financial advice scenario
Personal reflection on financial wellbeing
 
Why is this lesson useful?
By the end of the lesson, students will be able to:
Talk confidently about saving, spending, and financial habits
Use natural phrasal verbs and idioms related to money
Discuss financial decisions and priorities in everyday situations
Reflect on their own financial wellbeing and habits
 
Who is it for?
This lesson is designed for adult ESL learners at B1–B2 level who want to improve their speaking skills while discussing practical topics such as money management, spending habits, and financial wellbeing.