Banking

account - I have a savings and a checking account at the bank.

bank statement - Most people view bank statements online these days.
bankrupt - Unfortunately the business went bankrupt three years ago.
borrow - She borrowed money to purchase a car.
budget - It's important to stick to your budget in order to save money.
cash - Rich prefers to pay with cash rather than by credit card.
cashier - The cashier can ring this up for you.
check - Could I pay by check or do you prefer cash?
credit (card) - I'd like to put this on my credit card and pay it off over three months.
debit card - Nowadays, most people pay for daily expenses using a debit card.
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Borrow Money
Checking Account Deposit
Money Loan
Saving Money
Vocabulary

currency - I enjoyed living in Europe when there were many different colorful currencies.
debt - Too much debt can ruin your life.
deposit - I need to go to the bank and deposit a few checks.
exchange rate - The exchange rate is very favorable today.
interest (rate) - You can get a very low interest rate on this loan.
invest - It's a good idea to invest some money in real estate.
investment - Peter made an investment in some stock and did very well.
lend - Banks lend money to qualified customers.
loan - He took out a loan to purchase the car.
mortgage - Most people have to take out a mortgage to buy a house.
owe - I still owe $3,000 to the bank.
pay - The boss paid his employees on the last Friday of each month.
save - Save money every month and you'll be happy someday.

savings - I keep my savings in a different bank with higher interest.

withdraw - I'd like to withdraw $500 from my account.

Buying
bargain - I got a great bargain on a new car.
bill - The bill for the repairs came to $250.
cost - How much did that shirt cost?
expense - Alice had some extra expenses this month.
installments - You can pay in ten easy installments of $99.
price - I'm afraid I can't lower the price of the car.
purchase - How much food did you purchase at the supermarket?
purse - She left her purse at home, so I'll pay for lunch.
receipt - Always keep receipts when purchasing electronics.
reduction - We're offering a special price reduction today.
refund - My daughter didn't like these pants. Can I get a refund?
spend - How much money do you spend every month?
wallet - He took $200 out of his wallet to pay for dinner.

Earning
bonus - Some bosses give a bonus at the end of the year.
earn - She earns over $100,000 per year.
earnings - Our companies earnings were less than expected so the boss didn't give us a bonus.
income - Did you have any investment income to declare?
gross income - Our gross income rose 12% this year.
net income - We had a lot of costs, so our net income fell.
raise - Her boss gave her a raise because she's such a great employee.
salary - The job has a great salary and a lot of benefits.
wage - Part time jobs tend to pay hourly wages.

Giving
collection - The church took a collection to help the poor family.
donate - It's important to donate to charity these days.
donation - You can make a tax-deductible donation to help us out.
fee - There are a few fees that you'll have to pay.
fine - I had to pay a fine because I was late with the payment.
grant - The school received a governmental grant to do the research.
income tax - Most countries have an income tax, but a few lucky ones don't.
inheritance - SHe came into a large inheritance last year, so she doesn't need to work.
pension - Many elderly live on a small pension.
pocket money - It's important to give your children pocket money.
rent - Rent is so expensive in this city.
scholarship - If you're lucky, you'll win a scholarship to attend university.

tip - I always leave a tip unless the service is very bad.

winnings - She invested her winnings from Las Vegas in a crazy company.

Verbs
add up - The bookkeeping doesn't add up correctly. Let's recalculate.
go up / down - The price of the stock went up 14%.
make ends meet - More and more people are finding it difficult to make ends meet these days.
pay back - Tom paid back the loan in three years.
pay into - I pay a small amount into a retirement account every month.
put down - She put down $30,000 towards the purchase of the house.
run out - Have you ever run out of money before the end of the month?
save up - I've saved up over $10,000 to buy a new car.
take out - I need to take out a loan.

Other Related Words

profit - We made a great profit on the deal.
property - Property almost always goes up in value if you hold onto it long enough.
valuable - The painting was very valuable.
value - The value of the dollar has decreased greatly over the past ten years.
waste of money - Smoking cigarettes is bad for your health and a waste of money.
wealth - I think people spend too much time focusing on wealth.
worthless - Unfortunately, that painting is worthless.

Descriptive Adjectives
affluent - Affluent people don't always know how lucky they are.
broke - As a student, I was always broke.
generous - THe generous donor gave over $5,000.
hard-up - I'm afraid Peter is hard-up. He hasn't been able to find a job.
mean - She's very mean. She wouldn't even buy a baby a present.
poor - He may be poor, but he's very friendly.
prosperous - The prosperous man grew fat and lazy.
rich - Everyone wants to be rich, but few really are.
stingy - Don't be so stingy with your children.
wealthy - Frank is one of the wealthy people in this town.
well off - Jennifer is very well off and doesn't have to work for a living.
Learn words that go together with the word "money" to expand your vocabulary.

Related

Collocations With Money

Do you ever wonder which verb to use when you are buying something?
Idioms and Expressions with Money
Don't Confuse Having Money with Good Manners

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English Vocabulary Reference Sheets for Building English Vocabulary

Phrasal Verbs about Money

for English Learners
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By Kenneth Beare
English as 2nd Language Expert
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Updated November 14, 2014.

As you know, native speakers of English tend to use a lot of phrasal verbs (sometimes called
prepositional, multi-word verb, verbs) in everyday spoken English. In the area of money, there are
many, many phrasal verbs about money that are used in both formal and informal situations. Read
this short paragraph using phrasal verbs about money in context. Next, find the definitions below to
help you with understanding.
Money, Money, Phrasal Verbs about Money!
Well, last week I finally dipped into that money that I had been putting aside for the past year
and a half. I decided that I should really enjoy myself so I splashed out and had a great meal at
Andy's. Next, I went to Macys on Saturday and laid out $400 for that suit I'd told you about. Of
course, I used a great deal of what I had saved up to pay back that bill I had run up on my Visa
card. It feels great to finally have some money after all those years of scraping by. Thanks again
for tiding me over during that long winter of '05.
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I don't think I would have got by without your bailing me out.Unfortunately, I also had to cough
up about $250 in insurance costs. Oh well, I guess shelling out the cash for those things is just
as necessary as anything else...

Phrasal Verbs about Money

Spending Money lay out - to spend money. especially a large amount

splash out - to spend a lot of money on something you don't need, but is very pleasant
run up - to create a large debt
fork out, fork over - to pay for something, usually something you would rather not have to pay for.
shell out - to pay for something, usually something you would rather not have to pay for.
cough up - to provide money for something you do not want to
Having Just Enough Money get by - to have just enough money for your needs
scrape by - to manage to live on very little money
Helping Someone with Money bail out - to help a person or organization out of a difficult situation
tide over - to help someone with money for a period of time until they have enough
Paying Debts pay back - to return money owed to someone
pay off - to finish paying all money that is owed
Saving Money save up - to keep money for a large expense in the future
put aside - to save money for a specific purpose
Using Saved Money dip into - to spend part of your saved money
break into - to start to use money that you have saved
Here is a practice dialogue using some of the above vocabulary.
More on Learning Phrasal Verbs
If you are unfamiliar with phrasal verbs, this guide to what are phrasal verbs explains everything.
Teachers can use this introducing phrasal verbs lesson plan to help students become more
familiar with phrasal verbs and start building phrasal verb vocabulary. Finally, there are a wide

variety of phrasal verb resources on the site to help you learn new phrasal verbs and test your
understanding with quizzes.
Test your understanding with the phrasal verbs about money quiz.
One last tip
Make sure that when you are studying new verbs in the dictionary to read the entire entry. Don't
just learn the main verb; take time to look at the phrasal verbs that are constructed using the verb.
This will save you a lot of time in the long run. Believe me, if you haven't been to an English
speaking country, chances are that one of the biggest difficulties for you will be understanding
phrasal verb usage. If you already live in a country where English is the primary language you
certainly have already experienced this.

Related

Separable Inseparable Phrasal Verbs

Building Your Phrasal Verb Vocabulary - 2
Phrasal Verbs
Phrasal Verb Vocabulary

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Beginning Level English Vocabulary Resources

Expressing Numbers in
English
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Math in English

ESL Teaching English

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How to Learn in English

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By Kenneth Beare
English as 2nd Language Expert
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Updated August 27, 2015.

When expressing large numbers (more than one hundred) read in groups of hundreds. The order
is as follows: billion, million, thousand, hundred. Notice that hundred, thousand, etc. is NOT
followed by an s.
Two hundred NOT two hundreds
NOTE: British English takes 'and' between 'hundred and ...' American English omits 'and'. In the
examples below, this is represented by (AND).

Hundreds
350 three hundred (AND) fifty
425 four hundred (AND) twenty five
873 - eight hundred (AND) seventy three
112 - one hundred (AND) twelve

Thousands
15,560 fifteen thousand five hundred (AND) sixty
786,450 seven hundred (AND) six thousand four hundred (AND) fifty
342,713 - three hundred (AND) forty-two thousand seven hundred (AND) thirteen
569,045 - five hundred (AND) sixty nine thousand forty-five
Millions

2,450,000 two million four hundred (AND) fifty thousands 234,700,000 two hundred (AND)
thirty-four million seven hundred thousand

Speaking About Numbers

Numbers are read in a specific manner in English.
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Read numbers in groups of three in the following manner in English:

million, thousand, hundred
2,350,400 => two million three hundred (AND) fifty thousand four hundred
NOTE - Remember: Use and only between hundreds in British English. American English leaves
the and out.

Decimals
Read decimals as the given number point XYZ
2.36 - two point three six
14.82 - fourteen point eight two
9.7841 -nine point seven eight four one
3.14159 - three point one four one five nine (that's Pi!)

Percentages
Read percentages as the number followed by percent
37% - thirty seven percent
12% - twelve percent
87% - eighty seven percent
3% - three percent

Fractions
Read the top number as a cardinal number, followed by the ordinal number + s
3/8 - three eighths
5/16 - five sixteenths

7/8 - seven eights

1/32 - one thirty-second

NOTE: =>one quarter, 2/3 => two thirds, one half

Important Numerical Expressions

Here are the descriptive names of a number of important numerical expressions:
Speed - 100 mph (miles per hour)
Read speed as numbers: One hundred miles per hour
Weight - 80 kg (kilograms) OR 42 lbs (pounds)
Read weight as numbers: Eighty kilograms OR forty two pounds
Telephone number - 0171 895 7056
Read telephone numbers in individual numbers: zero one seven one eight nine five seven zero five
six
Date - 12/04/65 read dates month, day, year in the US or day, month, year in the UK
Temperature - 28 C (celsius) OR 72 F (fahrenheit)
Read temperature as "degrees +number": twenty eight degrees celsius OR seventy two degrees
fahrenheit
Height - 1 m 89 cm / 6'2''
Read height first meters then centimeters, or feet then inches: one meter eight nine centimeters or
6'' 2' six feet two inches
Price - $60
Read the currency first then the number: Sixty dollars
Fraction - 8/13
Read a fraction as the number over a decimal: eight thirteenths
Score - 2-1
Read scores as "number + to + number": Two to one

Ordinal Numbers
Ordinal numbers are used when speaking about the place in something such as in competitions.
Most numbers end in 'th', except first, second, and third of every ten numbers.
1st - first
2nd - second
3rd - third
17th - seventeenth
8th - eighth
21 - twenty first
46 - forty sixth
Would you like to practice your understanding of numbers? Here are some listening exercises:

Basic Number Pronunciation

Beginning Level Numbers Quiz
Understanding Numbers 1 (beginner)
Understanding Numbers 2 (beginner)
Understanding Numbers 3 (intermediate)
Understanding Numbers 4 (intermediate)

Related

Which Cardinal Numbers Should Be Spelled Out?

Here an approach to teaching the numbers 1 - 100 to absolute beginners
Learn Simple Math Vocabulary to Use in Your ESL Class
ESL Lesson Plan: Why Are You Learning English?

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Business English Vocabulary for English for Special Purposes

Banking and Financial

Industry
Key Vocabulary for the Banking and Financial Industry
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By Kenneth Beare
English as 2nd Language Expert

Updated December 15, 2014.

This core vocabulary reference sheet provides key words and phrases in the banking and financial
industries. This vocabulary can be used in English for specific purposes classes as a starting point
forincluding vocabulary study relating to the banking and financial industries. Teachers are often
not equipped with the exact English terminology required in very specific trade sectors. For this
reason, core vocabulary sheets go a long way in helping teachers provide adequate materials for
students with English for Specific Purposes needs.
to accept a bill
account
account overdraft
actual yield
after-hours trading
at 30 days after sight
at 60 days after date
at a discount
at a premium - above par
at best
at closing
at par
at sight - on demand
backdate - to antedate
to bank - to deposit
bank
bank account
bank balance
bank branch
bank clearance
bank counter
bank credit
bank deposit
bank guarantee
bank lending rates
bank loan
bank merger
bank rate rise
bank sector
bank suretyship - bank
guarantee
bank transfer
bank transfer order
banker's draft - bank draft
banking
banking secrecy
exchange-rate fluctuations

banking system
banknote (GB) - bill (US)
to bear
bear market
bearer bill
bearer bond
bearer cheque
bearer share
bill for collection
blank cheque
blank endorsement
bond - debenture
bond certificate
bond holder - debenture holder
bond issue
bonus share - free share
borrowing rate
bounced cheque - uncovered
cheque
bull market
to buy back
call option - call
to cash a cheque
cash against documents
cash market - spot market
cash overdraft
cashier - teller
to charge an account
cheque (GB) - check (US)
cheque book
collection
collection charges
commodity exchange
confirmed irrevocable credit
confirmed letter of credit
contract note
merchant bank

convertibility
convertible
convertible bond
correspondent bank
crash on the Stock Exchange
credit
credit card
credit opening
crossed cheque
currency exposure
current account (GB) - checking
account (US)
current account deposit
date of issue
debit balance
default interests - interests on
arrears
deposit
deposit book
deposit certificate - deposit warrant
depositor
discount rate
dividend
dividend warrant
domiciled bill
Dow Jones index
draw a cheque
drawer's signature
drawer
end of month (EOM)
to endorse - to back
to endorse a cheque
endorsement
endorsement for collection
endorser
exchange
exchange broker - stockbroker

exchange controls
exchange rate
exercise an option
to expire
expiry date - due date
financial market
fixed exchange rate
fixed term sale
float due to collection
floating-rate loan
foreign bank
foreign currency
foreign exchange market
forward market - futures
market
future transaction - forward
transaction
futures - forward contracts
to grant a loan
to gross yield
to honour a bill
hostile takeover
in the red
interest
interest accrual
interest rate
investor
irrevocable
irrevocable letter of credit
issue price
issuing bank
issuing house
junk bond
legal interest
letter of credit
to loan

money laundering
money market
negotiable
negotiable bill
net yield
official discount rate
official Stock Exchange list
on deposit - on consignment
to open an account
ordinary share (GB) - common
stock (US)
out-of-town cheque
to overdraw
parity - at par
payable at sight
payable to bearer
payment order
postdate
preference share (GB) - preferred
stock (US)
premium deal
private bank
promissory note - note of hand
to protest a bill
to protest charges
rate
recipient - beneficiary
registered share
to renew the bill
repayment date - refund date
revocable
revocable credit
revocable letter of credit
right of veto safety deposit box
savings bank

savings deposit
to sell forward
to settle a debt - to pay off a debt
settlement of a bill
share - stock
share certificate
share index
share issue
short-term bill
short-term debt
sight bill - bill on demand
speculative bubble
spot exchange
stock dividend
Stock Exchange
Stock Exchange capitalisation
Stock Exchange index
stock market
stock option
stockbroker - stockjobber
to stop a cheque
to stop an account
subject to collection
surcharge
suretyship - guarantee
take-over bid (TOB)
to take out a loan
town cheque
transferable
unacceptance
unpaid - unsettled
value at market price
voting share
to write out a cheque
yield

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English for Specific Purposes Core Vocabulary Lists

English for Advertising

English for Banking and Stocks
English for Book Keeping and Financial Administration
English for Business and Commercial Letters
English for Human Resources
English for the Insurance Industry
English for Legal Purposes
English for Logistics
English for Marketing
English for Production and Manufacturing
English for Sales and Acquisitions

Related

Sales and Acquisitions

Bookkeeping and Financial Vocabulary
Vocabulary You Should Use for Writing Business Letters
Legal English Vocabulary

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Improve Your Vocabulary

Idioms and Expressions in

Context
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By Kenneth Beare
English as 2nd Language Expert
Updated April 10, 2015.

It's important to learn and use idioms and expressions in context. Of course, idioms are not always
easy to understand. There are idiom and expression resources that can help with definitions, but
reading them in short stories can also provide context that make them come more alive. Try
reading the story one time to understand the gist without using the idiom definitions. On your
second reading, use the definitions to help you understand the text while learning new idioms.
After you understand the story, take the quiz at the end of each reading to test your knowledge.
Teachers can print out these short stories and use in class in combination with teaching ideas
provided at the end of this resource list.
Idioms and Expressions in Context Stories

Party Animal
Three friends meet up after not having seen each other for a long time. It's time for a party!
John's Keys to Success
A story about a man was an accomplished businessman and happily gives advice to young people
he mentors.
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An Unpleasant Colleague
A story about a man who took himself a little too seriously and, as a result, was quite unpopular
with his colleagues.
Odd Man Out
A story about a man who gossiped a little too much at parties making him the "odd man out"
anytime he joined the fun.
Life of the Party
Bill was known as the life of the party for a good reason. Learn why he was asked to everyone's
party.
The Economy is Tough
Idioms appropriate for talking about the economy when it's having difficulties. This story makes
good discussion material in business English classes.
The Inventor's Lesson
A story about a friend who invented a gadget that made him a millionaire. It's the perfect story for
engineers and those involved in business.
Young and Free
A short story about an what it takes to be successful in a small company. It's good preparation for
young adult English learners who are college age.
Advice from a Content Grandfather
Grandfather has some wise advice about how to lead a happy life. This is a good story for classes
with older adult learners.
A Very Difficult Boss
Here is a story about a boss who makes the life of his employees difficult. This is a great story for
classes that include lots of young professionals. They can complain and not get in trouble!
My Successful Friend
Here is a story about a man's friend who has had a very successful career.
Missed Chance of a Lifetime My uncle made a huge mistake because of his big mouth. Learn
more.
A Night on the Town
Here is a story about a friend who had a night on the town with his friend. Unfortunately, they
overdid it and would up feeling pretty bad the next morning.
Wise Guy
This wise guy bothered everyone at the party.
The Road to Success
Here is a short essay on how to succeed in today's difficult economic environment. It makes good
reading for business English classes.

My Cousin Crazy Eddy

Crazy Eddy a businessperson with some success, who also knows how to defend himself and is
not afraid of authority.
Will You Marry Me?
A story about a man who's soon going to ask his loved one to marry him. It's great for anyone who
likes romance.
Licensing a Car
A man recounts the difficulties he had when licensing his car. This story includes many idioms
used when speaking about dealing with agencies.
For teachers:
Use these idioms in context stories with your advanced level classes to provide context for learning
common idioms in English. Each short story of two to three paragraphs provides approximately 15
idioms. These idioms are then defined following the story followed by a short quiz testing a number
of idioms from the selection. Following this introduction to the idioms in context you can practice
use of the idioms in a number of ways. Here are a few ideas:

Ask students to write their own short stories using the idioms in context.

Have students write dialogues using the idioms to act out in class.

Group students together to create their own gap fill quizzes for other groups.

Write up questions using the idioms presented and discuss as a class or in

groups.

Make up situations that fit each idiom on-the-fly and ask students to choose
the idiom that fits best.

Are you interested in English idioms? These resources will help you learn
more.
Learn idioms to discuss working in today's tough economy
Grandfather gives some advice and teaches you new idioms and expressions
Learn 15 idioms in a story about a my crazy cousin Eddy

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