A debt between friends in Spanish
Talking about a debt, installments and payments in Spanish. 8 phrases that the conversation is made of: «Oye, ¿te acuerdas del dinero que te pedí prestado en marzo?» — Listen, do you remember the money I borrowed from you in March?; «Claro. No tengo prisa, tranquilo.» — Of course. I'm in no hurry, don't worry. Every line can be played right on the page. The conversation is predictable: few lines, and almost all of them repeat from one exchange to the next.
How the whole thing sounds
The situation: talking about a debt, installments and payments. The conversation is short and predictable — which is exactly what makes it good for a first try: few lines, and almost all of them repeat from one exchange to the next.
- Oye, ¿te acuerdas del dinero que te pedí prestado en marzo?Listen, do you remember the money I borrowed from you in March?
- Claro. No tengo prisa, tranquilo.Of course. I'm in no hurry, don't worry.
- Es que quiero devolver la deuda antes del verano.The thing is, I want to pay the debt back before summer.
- Si te va mejor, hazlo en dos veces. A mí me da igual.If it's easier for you, do it in two parts. I don't mind.
- Gracias. Es que también pago la hipoteca y no me llega el dinero.Thanks. It's just that I also pay the mortgage and money is short.
- Normal, los precios han subido y los sueldos no.That's normal, prices have gone up and wages haven't.
- El mes que viene cancelo el préstamo del coche y respiro.Next month I pay off the car loan and breathe easier.
- Pues avísame y lo celebramos. Sin pagos a plazos, por una vez.Then tell me and we'll celebrate. No installments, for once.
Lines one by one
| Spanish | Reading | Translation |
|---|---|---|
| Oye, ¿te acuerdas del dinero que te pedí prestado en marzo? | — | Listen, do you remember the money I borrowed from you in March? |
| Claro. No tengo prisa, tranquilo. | — | Of course. I'm in no hurry, don't worry. |
| Es que quiero devolver la deuda antes del verano. | — | The thing is, I want to pay the debt back before summer. |
| Si te va mejor, hazlo en dos veces. A mí me da igual. | — | If it's easier for you, do it in two parts. I don't mind. |
| Gracias. Es que también pago la hipoteca y no me llega el dinero. | — | Thanks. It's just that I also pay the mortgage and money is short. |
| Normal, los precios han subido y los sueldos no. | — | That's normal, prices have gone up and wages haven't. |
| El mes que viene cancelo el préstamo del coche y respiro. | — | Next month I pay off the car loan and breathe easier. |
| Pues avísame y lo celebramos. Sin pagos a plazos, por una vez. | — | Then tell me and we'll celebrate. No installments, for once. |
How to prepare for a conversation like this
Memorizing the lines is not enough: the other person will say their own thing, not what is written. What helps more is catching the key words by ear and keeping three rescue phrases ready: “I don't understand”, “repeat, please”, “slower”.
And one more thing phrasebooks do not mention: awkwardness gets in the way more than not knowing the words.
- Fear of making mistakes gets in the way of learning a language, and it gets in the way badly. It is one of the most reliably measured findings in the entire field.checked many timesTeimouri, Goetze & Plonsky, 2019, Studies in Second Language Acquisition 41(2) · 19,933 participants from 23 countries; correlation with results r = −0.36.
- That fear can be dealt with — the methods have been tested and they work.checked many timesXiong et al., 2024, Journal of Language and Social Psychology · 37 studies, anxiety reduced by −0.61. Of the seven conditions examined, only age turned out to matter.
Frequently asked
How do you start a conversation in Spanish in this situation?
“Oye, ¿te acuerdas del dinero que te pedí prestado en marzo?” — Listen, do you remember the money I borrowed from you in March?. The first line in such a conversation is almost always the same, and that is the one worth learning: the other person will carry it from there.
What if you did not understand the reply?
Say “I don't understand” and “repeat, please” — both are in the rescue set. Admitting your language is still shaky almost always makes the other person more patient.
Should you memorize the dialogue?
No. It is more useful to catch the key words by ear: the other person will say their own thing, and a memorized line will not always fit their reply.