Mark： Just use cash or have a debit card. That way you can actually see how much money you have left！
Jane： It’s in case of emergency！ That’s what I tell my parents！
Mark： Jane！
Jane： And there are my 2）maintenance bills.
Mark： Yeah， that’s true. Gas， water and electricity can be dear.
Jane： Hmmm， I was thinking more Starbucks， the cinema and going dancing.
Mark： That’s hardly maintenance， is it？
Jane： Well it maintains my 3）sanity！
Mark： Haha， but seriously， don’t you 4）budget at all？！
Jane： I try to， but university living is actually quite expensive. Phone bills， rent， university books， tuition fees…they all add up！
Mark： Don’t you have a loan to help sort those out？
Jane： I did， yeah.
Mark： What do you mean you “did”？
Jane： Well…
Mark： Go on， tell me.
Jane： Well I’ve always wanted to go traveling around Europe and I thought that 5）whilst I had the cash…
Mark： Oh Jane. Please don’t tell me you spent your entire loan on a holiday！
Jane： Not all of it. Just most of it I guess.
Mark： But what are you going to do for the rest of the year？
Jane： I guess I have to find a way to get more money to cover myself.
Mark： Any ideas？
Jane： I guess I could try and get another loan or extend my 6）overdraft.