Hello and welcome to The English Like a Native Podcast. My name is Anna and you're listening to Week 33, Day 4 of Your English Five a Day. This is the series that aims to explode your active vocabulary and boost your listening skills by focusing on five items every single day of the working week. That's Monday to Friday. So, let's start today's list with a good old noun. Repayment. Repayment. We spell this R E P A Y M E N T. Repayment. A repayment is the paying back of something that is owed either money or some form of favour, some sort of service that you do for someone. For example, my neighbour is often on hand to help to water my plants and feed my cat if I need to go away for a few days or overnight. And she'll do this as a form of repayment because for quite a long time I would look after her cat when she had one. She travels a lot so I would look after her pussycat when she was away and I would also keep an eye on her house, make sure it is clean, secure and there are, you know, no letters hanging out of the post-box, making it look like no one's home. And I would also go in and water her plants and things like that. So, I did her a favour and many times, and she does the same in return as a form of repayment for my service. Here's another example."I simply can't keep up with the mortgage repayments. I think we're going to have to put the house on the market again." Next on the list is the idiom to be in the red, to be in the red. So, red the colour, R E D, to be in the red. Now, a few weeks ago we had to be in the black, which meant to have money in your account to have no debts. If you are in the red, it's the opposite. It means you owe money. You normally owe money to the bank. So, you would have your letter from the bank and in big red letters or numbers, rather, it would say how much you owe, which is why you are in the red."Oh no, I'm in the red. I owe money." Here's an example sentence,"I'm seriously in the red with my credit card repayments. I think my only option is to go personally bankrupt!" Yes, being in the red is no fun, and we should all avoid it as much as we possibly can. So, let's move on. Next, we have a verb, a doing word, and it is condemn. Condemn. We spell this C O N D E M N. Condemn. Condemn. The N on the end is actually silent. Condemn. Condemn. Yes, it's a completely useless letter. I don't even know why it's there, but it is condemn. Right, so to condemn is to strongly disapprove of something. So, if you condemn something, you show, you express strong disapproval or censure of something or someone. Hopefully, none of you have ever been condemned for something. Here's an example sentence,"The jury unanimously condemned the defendant to a life sentence for his heinous crimes." Next on the list is a noun and it is respect. Hmm, you're going to think,"We've had this before." But bear with me. Respect, R E S P E C T. Respect, we've had before, but this is a different meaning. So, today we're looking at respect, meaning a particular detail or point. And we often use it within a little phrase that is in what respect, if it's going to be a question, in what respect? For example, I might say to my friend, How are you getting on?" And they might be confused about what exactly I'm talking about."How are you getting on? Is she asking how am I getting on personally in my life in general? Is she asking how I'm getting on with my recent project at work? Is she asking how am I getting on with my partner?" And so she might look at me and say,"In what respect? What do you mean? In what respect?" Here's another example sentence,"In what respect don't you agree that chocolate cake is way better than coffee and walnut cake?!" So for me, it's almost like saying,"Give me the point. Give me the angle. What's your point of view?" Okay. It feels a little bit difficult to grasp that one, but hopefully the more you hear it, the more you'll understand. So, let's move on to the last item, which is the verb wrench, wrench. We spell this W R E N C H. Wrench. To wrench is to twist or to pull violently. So, the example sentence here is,"I had to wrench the handle to open the door as it got jammed when the wind blew it shut." I know the feeling. We had a cat flap fitted in one of our doors recently and doing that has done something to the door. Now the door is very stiff and I have to wrench the handle up and down in order to open and close the door. It's very frustrating. It takes a lot of effort. Okay. So, that's our five for today. Let's do a quick recap. We started with the noun repayment. Which is paying back something that's owed. Then we had the idiom be in the red, which means you owe money normally to the bank. We had the verb condemn, condemn, which means to express strong disapproval of something or someone. We had the noun respect, meaning a particular point. Then we had the verb wrench, meaning to twist or pull violently. Okay, so let's now do this for pronunciation purposes. Please repeat after me. Repayment. Repayment. Be in the red. Be in the red. Condemn. Condemn. Respect. Respect. Wrench. Wrench. Very good. Okay, so let's test your memory now. If I'm owing money to the bank. I owe a lot of money. What idiom would we use to describe the situation? In the red. I'm in the red. Yes, absolutely. I'm in the red, specifically after missing the last scheduled sending of money I don't want to give you too much of a clue with the word. So, I'm supposed to send money to the bank to pay for this debt every month and I missed my last sending of money. I should have sent this money, I should have given this money back that I owed for the month. What noun am I trying to point to here? What noun do I need to pay back money that you owe? Repayments. Yes. I missed my last repayment so now I am in the red. And when I tell the bank,"Well, I didn't do it because I didn't want to, I don't care, I have the money but I'm not going to give it to you." They are going to express strong disapproval for my actions. What verb could I use here? Condemn. Yes, they're going to condemn me, absolutely. And when I go into the bank, I'm so frustrated that I pull the door with absolute violence. I pull it open violently, as hard as I can. What verb could you use to describe how I am pulling this door in a violent way? I wrench. Yes, I wrench the door open and I stand there and I announce,"You have done wrong by me. How dare you? You have wronged me." And they look at me and they're completely confused because they don't know my face and they don't know my voice and they want to know what particular detail it is that I'm, announcing. What is it exactly that I'm talking about? What noun can we use here in the phrase in what something? What are we missing here? They want to know the detail."In what respect, madam? In what respect have we wronged you? Please tell us the detail. In what respect?" There we go. Alright, so let's hear these items once again in today's storytime. Tom was a big spender. Clothes, holidays, gadgets if he wanted it, he bought it. He always had to have the latest gadget or fanciest item of clothing. He lived for today and didn't think too much about the future. The problem was, he enjoyed spending money he didn't have thanks to credit cards. Because of all that spending, Tom was in the red. He owed£10,000! He couldn't even remember what he spent most of it on. When he told his wife, Sam, she was in shock. Although she had also enjoyed some of the things he bought, she didn't realise how much money he had spent on credit cards."You'll condemn us both to bankruptcy if you don't get your finances in order!" exclaimed Sam. Tom agreed. Even so when she suggested that Tom stop using his credit card, he was hard to persuade. She had to wrench it out of his hand. Then she got a pair of scissors and cut it in half. Tom stared at the pieces of plastic on the floor in shock. But it was the shock that he needed to organise his finances. Tom made a plan to pay back the debt by increasing his monthly repayments. It was hard at first because he was used to spending money, not being sensible with it. In that respect, he learned a lot about himself. Tom discovered he enjoyed managing his money. With Sam's help, he created a budget and stuck to it. He even sold some of the things he'd bought with his credit card. And the debt was paid off much quicker than he ever thought possible. He didn't want to have the latest or best of everything anymore instead, he focused on the good things he already had in his life, like Sam. And that brings us to the end of today's episode. If you did enjoy this episode, then please take a moment to leave a like, a rating, or review. And don't forget to recommend The English Like a Native Podcast to your English learning friends. Until tomorrow, take very good care and goodbye.