Useful speaking phrases

 Help solve a problem

summing up the information

• on the one hand...
• on the other hand...
• you mentioned (that)...
• as you said...

Giving advice

• I think you should / could...
• my advice is to...
• Why don't you...
• If I were you, I'd...
• I think the best think to do is (to)...

Topic vocabulary

• borrow
• lend
• save
• it's a waste of money
• promise to pay (you) back
• earn money
• (ir) responsible
• a valuable item
• has sentimental value