Model answer notes
Built from each question on this page — a shape to follow and some phrases to borrow, not a script to memorise. Examiners mark you down for answers that sound learned by heart.
Part 1 · Question 1
How much walking do you do in a normal day?
Aim for 40–60 words, roughly 20–30 seconds.
Answer the question directly in the first sentence, add the reason behind it, then finish on one concrete detail from your own life. Do not stop after three words, and do not turn it into a speech.
Pick up and paraphrase: walking, normal
- To be honest, …
- …, which is something I have always found useful.
- The main reason for that is …
Part 1 · Question 2
Where do you like to walk near your home?
Aim for 40–60 words, roughly 20–30 seconds.
Answer the question directly in the first sentence, add the reason behind it, then finish on one concrete detail from your own life. Do not stop after three words, and do not turn it into a speech.
- What springs to mind is …
- …, and that is fairly typical where I am from.
- If I had to pick one, it would be …
Part 1 · Question 3
Do you walk faster when you're on your own?
Aim for 40–60 words, roughly 20–30 seconds.
Answer the question directly in the first sentence, add the reason behind it, then finish on one concrete detail from your own life. Do not stop after three words, and do not turn it into a speech.
Pick up and paraphrase: faster, you're
- It depends, but generally …
- …, whereas ten years ago it was quite different.
- A good example of that would be …
Part 1 · Question 4
Would you rather walk somewhere or take a bus?
Aim for 40–60 words, roughly 20–30 seconds.
Answer the question directly in the first sentence, add the reason behind it, then finish on one concrete detail from your own life. Do not stop after three words, and do not turn it into a speech.
Pick up and paraphrase: rather, somewhere
- I would say so, yes, mainly because …
- …, at least that has been my experience.
- On the other hand, some people would argue …
Part 2 · Question 5
Describe some advice about money that somebody once gave you.
Aim for 180–220 words — the full two-minute long turn.
Use the one minute of preparation to jot a word per bullet. Take the bullets in the order they are printed, spend the most time on the last one, and close by answering the final line of the card. Keep talking until the examiner stops you.
Pick up and paraphrase: advice, money, somebody
- Not particularly, no — the thing is …
- …, which makes a real difference day to day.
- That said, I can see why others might …
Part 3 · Question 6
Where do most people learn how to handle their finances?
Aim for 80–110 words, roughly 40–60 seconds.
Give your position, justify it, illustrate it with a general example rather than a personal story, then acknowledge the other side. Part 3 rewards discussion, not autobiography.
Pick up and paraphrase: learn, handle, finances
- To be honest, …
- …, which is something I have always found useful.
- The main reason for that is …
Part 3 · Question 7
Why is advice from within the family often trusted more than expert opinion?
Aim for 80–110 words, roughly 40–60 seconds.
Give your position, justify it, illustrate it with a general example rather than a personal story, then acknowledge the other side. Part 3 rewards discussion, not autobiography.
Pick up and paraphrase: advice, within, family
- What springs to mind is …
- …, and that is fairly typical where I am from.
- If I had to pick one, it would be …
Part 3 · Question 8
How can ordinary people tell sound financial guidance from a sales pitch?
Aim for 80–110 words, roughly 40–60 seconds.
Give your position, justify it, illustrate it with a general example rather than a personal story, then acknowledge the other side. Part 3 rewards discussion, not autobiography.
Pick up and paraphrase: ordinary, sound, financial
- It depends, but generally …
- …, whereas ten years ago it was quite different.
- A good example of that would be …
Part 3 · Question 9
What are the consequences when a whole population is poorly informed about money?
Aim for 80–110 words, roughly 40–60 seconds.
Give your position, justify it, illustrate it with a general example rather than a personal story, then acknowledge the other side. Part 3 rewards discussion, not autobiography.
Pick up and paraphrase: consequences, whole, population
- I would say so, yes, mainly because …
- …, at least that has been my experience.
- On the other hand, some people would argue …
Part 3 · Question 10
Should employers help their staff understand pensions and long-term saving?
Aim for 80–110 words, roughly 40–60 seconds.
Give your position, justify it, illustrate it with a general example rather than a personal story, then acknowledge the other side. Part 3 rewards discussion, not autobiography.
Pick up and paraphrase: employers, staff, understand
- Not particularly, no — the thing is …
- …, which makes a real difference day to day.
- That said, I can see why others might …
Part 3 · Question 11
How might automated advice change the way households make decisions?
Aim for 80–110 words, roughly 40–60 seconds.
Give your position, justify it, illustrate it with a general example rather than a personal story, then acknowledge the other side. Part 3 rewards discussion, not autobiography.
Pick up and paraphrase: might, automated, advice
- To be honest, …
- …, which is something I have always found useful.
- The main reason for that is …
- who gave you the advice
- what they told you
- when you received it