a. Mai: Yeah, I'm using this app to track my spending so I don't go broke.

b. Linh: Are you seriously writing down the price of that Banh Mi?

c. Linh: Smart move. I always wonder where my money goes by the end of the week.

a. Kien: No way! You should try making coffee at home to save some cash.

b. Duy: Good point. If I save that money, I can buy a new phone by December.

c. Duy: I spend almost 500,000 Dong on milk tea every month. It's too much!

a. Duy: I really want to go to District 1 by myself, but I'm terrified of getting lost.

b. Duy: I guess you're right. If I never go, I'll never learn how to get around.

c. Kien: Dude, everyone gets lost sometimes. Just use Google Maps and you're fine.

a. Trang: I agree. I'm glad I have a friend like you who doesn't care about being "cool."

b. Mai: There is nothing mature about hurting your lungs just to look cool.

c. Trang: Some girls in my group started vaping. They say it's "cool" and "mature."

a. Huy: I spent four hours on TikTok last night and didn't finish my essay.

b. Linh: Again? You really need to set a timer or lock your phone, Huy.

c. Huy: I know. Having no teachers watching me at home is actually hard!

a. Tuan: You're right. I need to start using a planner instead of just hoping I remember.

b. Tuan: I'm so tired. I pulled an all-nighter because I forgot my project was due today.

c. Minh: Man, you can't keep doing that. You're going to burn out before the month ends.

a. Trang: Good idea. If I start small, maybe I won't feel so stuck.

b. Mai: That's because your list is too big! Try doing just one small thing for ten minutes.

c. Trang: I have so much to do, but I'm just sitting here staring at my list.

a. Tuan: My dad is letting me stay out until 10 PM now without calling me every five minutes.

b. Tuan: I promised to text him when I leave the café, so he feels more relaxed.

c. Minh: No way! How did you get him to agree to that?

a. Quan: Just three? That sounds easy enough for a beginner.

b. Hien: My goal for this month is to learn how to cook three real meals.

c. Hien: It's a start! I want to be able to feed myself when I move to a dorm next year.

a. Nam: I'm so angry! My little brother broke my headphones again.

b. Nam: I know, I'm trying to just walk away and breathe.

c. Nam: Yeah, I'll talk to him later when I'm not so "explosive."

d. Long: Good idea. Taking a "time-out" by yourself is much better.

e. Long: That's annoying, but don't yell at him like last time.

a. Hung: I'm okay with that. I'd rather save my money for a new guitar.

b. Duc: But everyone is wearing this style now! You'll look left out.

c. Duc: Wow, you're strong. I usually just buy whatever my friends tell me to.

d. Hung: It's nice, but I don't think I really need another jacket.

e. Duc: Hey, you should buy that jacket. It looks so cool on you!

a. Huy: Oh, the one that locks your money so you can't spend it?

b. Huy: That's a smart move. I need to start a savings goal too.

c. An: Yeah. It helps me stay disciplined and not waste cash on small things.

d. Huy: Why didn't you buy that new game during the sale?

e. An: I'm using the "Savings" feature on my bank app to save for a laptop.

a. Viet: No way, Long! You should never log into your bank on someone else's phone.

b. Viet: It's not about trust; it's about "Digital Safety." You need to be careful.

c. Long: Hey, can I use your phone to log into my bank account?

d. Long: I guess you're right. I'll just wait until I get home to check it.

e. Long: Why? We're best friends, I trust you.

a. Ly: Does looking at those photos make you feel stuck at home?

b. Trang: Totally. I feel like everyone is having a better life than me.

c. Trang: True. I'm going to put my phone away and go for a walk instead.

d. Trang: My Instagram feed is full of people traveling to Da Lat and Japan.

e. Ly: Remember, people only post the perfect parts of their lives.

a. Duc: Did you see Binh's new iPhone 15? It's so much better than mine.

b. Duc: You're right. I shouldn't let someone else's new toy ruin my mood.

c. Duc: I just feel jealous because I'm still using this old, slow one.

d. Hung: Try to focus on your own goals; you're saving for a motorbike, remember?

e. Hung: It's a nice phone, but does it actually change anything for you?

a. Huy: Exactly. Seeing everyone else out with friends makes me feel so left out.

b. An: Next time you feel sad, try leaving your phone at home and going for a walk.

c. An: I do that too! It's like a digital trap for your brain.

d. Huy: Good call. Fresh air is definitely better for my mental health than social media.

e. Huy: Every time I feel lonely, I just spend hours on TikTok and feel even worse.

a. Vy: Totally. I don't want to call my dad every time something breaks.

b. Vy: My bike chain fell off this morning and I had to walk to school.

c. Vy: No, I've never used a tool in my life. I felt so helpless.

d. An: We should have a "Fix-it" class to learn about bikes and lightbulbs.

e. An: That's a bummer. Do you know how to put it back on?

a. Hien: Why do you always wait until the very last second?

b. Nga: I don't know! I just get distracted by my phone every time I open my laptop.

c. Nga: I haven't started my history project yet, and it's due tomorrow morning.

d. Nga: Hey! Well, I guess that's the only way I'll actually get it done.

e. Hien: Give me your phone. I'll keep it until you finish the first three pages.