M: I’m going to the city centre to buy a new phone today.

W: Didn’t you buy a new phone just two months ago?

M: It was three months ago, and I already know what you’re going to say. You’re thinking I shouldn’t replace my phone this soon.

W: No, actually, I was wondering how you could possibly afford a new phone. But now that you mention it, I do think getting another phone so soon is wasteful, regardless of the cost.

M: Maybe you’re right, but the thing is, everyone at the office has a nice, expensive phone, and I’m a little embarrassed by mine. I just got a credit card, so I thought I might as well buy a new phone.

W: I don’t think buying a phone on credit is a good idea. Look, you’ve only been working for five months now. People understand that you are a recent graduate, and I doubt anyone cares about your phone other than yourself.

M: Maybe you’re right, but the credit card has a very good special offer, where I don’t pay any interest for six months. I’ll be able to pay for the phone well before that period is over.

W: I still think it’s a bad idea to use a credit card for something you don’t need. One of my colleagues bought a lot of things on credit during her first year of work, and it became a bad habit, and she accumulated a lot of debt.

M: Well, I can see how that might happen to someone, and I’m sure she regrets it, but I know it won’t happen to me.

Q8: What does the woman say she was actually wondering about?
Q9: Why is the man a little embarrassed by the phone he’s using now?
Q10: What does the man say about the credit card he just got?
Q11: What do we learn about one of the woman’s colleagues?