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📝 Lektion 18 Exercises: Alles über Geld (Everything About Money)

🎯 Goal: Learn money and banking vocabulary, express assumptions (Vermutungen) using werden/könnten, and conduct bank dialogues.

💡 Tip: To express an assumption: - wird/werden + Infinitive = probably (likely) - könnte/könnten + Infinitive = maybe (possible) - müsste/müssten = must be (very likely)

Exercise 1: Money Vocabulary — Fill in the Blank 🖊️

Choose the right word for each sentence:

die Spardose (piggy bank) die Überweisung (transfer) der Kredit (loan) das Konto (account) das Bargeld (cash) die Rechnung (bill)
  1. I want to withdraw money from my ___.
  2. Do you pay by card or with ___?
  3. The ___ for electricity has already arrived.
  4. For a house you need a ___ from the bank.
  5. Children often save with a ___.
  6. The ___ of money to another account takes one day.

✅ Solution:

  1. I want to withdraw money from my Konto (account).
  2. Do you pay by card or with Bargeld (cash)?
  3. The Rechnung (bill) for electricity has already arrived.
  4. For a house you need a Kredit (loan) from the bank.
  5. Children often save with a Spardose (piggy bank).
  6. The Überweisung (transfer) of money to another account takes one day.

Exercise 2: Expressing Assumptions (Vermutungen) 🔗

Transform the sentences into assumptions using werden/könnten:

Original sentence with werden (probably) with könnten (maybe)
1. The supermarket is open. The supermarket wird geöffnet sein. The supermarket könnte geöffnet sein.
2. The bank is closed.
3. He has saved a lot of money.
4. The bill has already been paid.
5. She is buying a new car.

✅ Solution:

Original sentence werden (probably) könnten (maybe)
1. The supermarket is open. The supermarket wird geöffnet sein. The supermarket könnte geöffnet sein.
2. The bank is closed. The bank wird geschlossen haben. The bank könnte geschlossen haben.
3. He has saved a lot of money. He wird viel Geld gespart haben. He könnte viel Geld gespart haben.
4. The bill has already been paid. The bill wird schon bezahlt sein. The bill könnte schon bezahlt sein.
5. She is buying a new car. She wird ein neues Auto kaufen. She könnte ein neues Auto kaufen.

Exercise 3: At the Bank Dialogue 💬

Complete the dialogue between a bank employee and a customer:

Bankangestellter: Guten Tag! Was kann ich für Sie ___? Kunde: Ich möchte ein __ eröffnen. Bankangestellter: Gern. Haben Sie Ihren ___ mitgebracht? Kunde: Ja, hier bitte. Bankangestellter: Und was ist Ihre __? Kunde: Ich arbeite als Ingenieur bei der Firma Müller GmbH. Bankangestellter: ___ Sie monatlich? Kunde: Ja, ich möchte 500 Euro pro Monat ___.

✅ Solution:

Bankangestellter: Guten Tag! Was kann ich für Sie tun? Kunde: Ich möchte ein Konto eröffnen. Bankangestellter: Gern. Haben Sie Ihren Ausweis mitgebracht? Kunde: Ja, hier bitte. Bankangestellter: Und was ist Ihre Beruf? Kunde: Ich arbeite als Ingenieur bei der Firma Müller GmbH. Bankangestellter: Sparen Sie monatlich? Kunde: Ja, ich möchte 500 Euro pro Monat sparen/einzahlen.

Complete Dialogue: Bank employee: Good day! What can I do for you? Customer: I would like to open an account. Bank employee: Certainly. Did you bring your ID? Customer: Yes, here it is. Bank employee: And what is your profession? Customer: I work as an engineer at Müller GmbH. Bank employee: Do you save monthly? Customer: Yes, I would like to save 500 euros per month.

Exercise 4: Money Math 🧮

Solve the following problems and write the answer in a complete sentence:

  1. Anna buys a dress for 45 euros and a bag for 28 euros. How much does she pay in total?
  2. Tim has saved 150 euros. He gets 25 euros pocket money per week. How much money does he have after 3 weeks?
  3. A phone costs 599 euros. Lisa pays a 100 euro deposit. How much does she still have to pay?
  4. The price is reduced from 80 euros to 60 euros. What percentage is that?

✅ Solution:

  1. Anna buys a dress for 45 euros and a bag for 28 euros. How much does she pay in total? Anna pays 45 + 28 = 73 euros in total.

  2. Tim has saved 150 euros. He gets 25 euros pocket money per week. How much money does he have after 3 weeks? Tim has 150 + (25 × 3) = 150 + 75 = 225 euros after 3 weeks.

  3. A phone costs 599 euros. Lisa pays a 100 euro deposit. How much does she still have to pay? Lisa still has to pay 599 − 100 = 499 euros.

  4. The price is reduced from 80 euros to 60 euros. What percentage is that? The reduction is 80 − 60 = 20 euros. 20 ÷ 80 = 0.25 = 25% discount.

Exercise 5: Write About Saving Money 📝

Answer the following questions in complete sentences (3-5 sentences each):

  1. Wie viel Taschengeld bekommst du pro Woche oder Monat? (How much pocket money do you get per week or month?)
  2. Wofür gibst du dein Geld aus? (What do you spend your money on?)
  3. Sparst du Geld? Wenn ja, wofür? (Do you save money? If yes, for what?)
  4. Was ist deiner Meinung nach zu teuer? (What is too expensive in your opinion?)

✅ Sample Answer:

  1. Wie viel Taschengeld bekommst du pro Woche oder Monat? I get 50 euros pocket money per month. My parents always give me the money at the beginning of the month. I also work on weekends as a waiter and earn about 200 euros extra.

  2. Wofür gibst du dein Geld aus? I spend my money mainly on clothes, food, and leisure activities. I like buying new clothes and sometimes go to the cinema or restaurants with friends.

  3. Sparst du Geld? Wenn ja, wofür? Yes, I save about 50 euros every month. I'm saving for a new laptop because my old one is very slow. I've already saved 300 euros.

  4. Was ist deiner Meinung nach zu teuer? I think phones and electronics are way too expensive. A good phone costs over 800 euros, which I find very expensive. Also, rents in the city are too high in my opinion.

💡 Extra Tip: Levels of assumption (Vermutungen) by strength: - Certainty (100%): Das ist bestimmt/sicher so. (That is definitely true) - Strong assumption (90%): Das wird so sein. (That's probably true) - Possibility (50%): Das könnte so sein. (That could be true) - Uncertain (20%): Das könnte vielleicht so sein. (That might be true)

🎯 Review: New vocabulary — das Konto (account), die Bank (bank), der Automat (ATM), der Zinssatz (interest rate), die Anlage (investment), die Ausgabe (expense), die Einnahme (income), sparen (to save), ausgeben (to spend), einzahlen (to deposit), abheben (to withdraw), überweisen (to transfer)