card/kɑːd/nounA small piece of plastic that you use to pay.
cash/kæʃ/nounMoney in coins and paper notes, not a card.
cheap/tʃiːp/adjNot costing a lot of money.
cost/kɒst/verbTo have a certain price.
dollar/ˈdɒlə/nounThe unit of money used in America and some countries.
expensive/ɪkˈspensɪv/adjCosting a lot of money.
pound/paʊnd/nounThe unit of money used in Britain.
price/praɪs/nounThe amount of money you must pay for something.
charge/tʃɑːdʒ/verbTo ask someone to pay a certain amount of money.
coin/kɔɪn/nounA small round piece of metal used as money.
credit/ˈkredət/nounA way of buying now and paying the money later.
fee/fiː/nounMoney you pay for a service or to join something.
account/əˈkaʊnt/nounAn arrangement that lets a bank keep your money.
budget/ˈbʌdʒɪt/nounA plan that shows how you will use your money.
cashier/kæˈʃɪə/nounThe person in a shop who takes your money.
income/ˈɪnˌkʌm/nounThe money a person receives regularly from work.
refund/ˈriːfʌnd/nounMoney given back to you when you return goods.
currency/ˈkʌrənsi/nounThe money that a country uses.
payment/ˈpeɪmənt/nounAn amount of money that someone pays.
cash machine/ˈkæʃ məʃiːn/nounA machine in a wall that gives you notes from your account.
free of charge/ˌfriː əv ˈtʃɑːdʒ/phraseCosting nothing at all.
how would you like to pay/ˌhaʊ wʊd ju ˈlaɪk tə peɪ/phraseA question a shop asks about your way of paying.
keep the change/ˌkiːp ðə ˈtʃeɪndʒ/phraseTold to a server so they may have the extra money.
small change/ˌsmɔːl ˈtʃeɪndʒ/nounCoins of low value that you carry in a pocket.
money/ˈmʌni/nounThe coins and paper notes people use to buy things.

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Unit 2 · Banking & budgeting

25 слов

borrow/ˈbɒrəʊ/verbTo take something for a time and give it back later.
market/ˈmɑːkət/nounAn open place where people sell food and other goods.
save/seɪv/verbTo keep money instead of spending it now.
sell/sel/verbTo give something to someone for money.
lend/lend/verbTo let someone use your money or things for a time.
loan/ləʊn/nounMoney that you borrow and must give back later.
owe/əʊ/verbTo have to pay money back to someone.
tax/tæks/nounMoney that people must pay to the government.
transfer/trænˈsfɜː/verbTo move money from one account to another.
withdraw/wɪðˈdrɔː/verbTo take money out of a bank account.
bank/bæŋk/nounA place that keeps your money safe for you.
interest/ˈɪntrəst/nounThe feeling of wanting to know more about something.
pay/peɪ/verbTo give money for something you buy.
spend/spend/verbTo use time or money for something.
balance/ˈbæləns/nounA steady state in which weight is spread evenly.
valuable/ˈvæljəbəl/adjWorth a lot of money or very useful to have.
afford/əˈfɔːd/verbTo have enough money to buy or do something.
financial/faɪˈnænʃəl/adjConnected with money and how it is managed.
invest/ɪnˈvest/verbTo put money into something in order to make more money.
profit/ˈprɒfət/nounThe money you gain when you sell something for more.
value/ˈvæljuː/nounHow much something is worth in money.
worth/wɜːθ/adjHaving a particular value, especially in money.
economic/ˌekəˈnɒmɪk/adjConnected with trade, industry and the money of a country.
economy/ɪˈkɒnəmi/nounThe system by which a country produces and uses money.
shop/ʃɒp/nounA small building where people buy things.

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Unit 3 · Saving & spending

25 слов

password/ˈpɑːsˌwɜːd/nounA secret word that lets only you open an account.
overdraft/ˈəʊvəˌdrɑːft/nounPermission from a bank to spend more than your account holds.
close/kləʊz/verbTo move something so that it is no longer open.
open/ˈəʊpən/verbTo move something so that people can go through it.
statement/ˈsteɪtmənt/nounSomething you say or write in a clear and definite way.
branch/brɑːntʃ/nounA part of a tree that grows out from the trunk.
current/ˈkʌrənt/adjHappening or being used at the present time.
pin/pɪn/nounA short thin piece of metal used to fasten cloth.
deposit/dəˈpɒzɪt/nounMoney paid first as part of a larger sum you owe.
transfer/ˈtrænsfɜː/nounA move of money, people or things from one place to another.
expense/ɪkˈspens/nounAn amount of money that you spend on something.
saving/ˈseɪvɪŋ/nounAn amount of money that you do not have to spend.
cut/kʌt/verbTo make something open or shorter with a knife.
save/seɪv/verbTo keep your work on a computer so it stays there.
earn/ɜːn/verbTo get money by doing work.
goal/ɡəʊl/nounAn aim that you work towards and want to reach.
habit/ˈhæbət/nounA thing that you do often, almost without thinking.
reduce/rɪˈdjuːs/verbTo make something smaller in size, amount or price.
track/træk/nounA narrow path, or the metal line that trains travel on.
emergency/ɪˈmɜːdʒənsi/nounA sudden dangerous event that needs fast action.
expensive/ɪkˈspensɪv/adjNeeding a lot of money to buy; the plain neutral word people use every day.
limit/ˈlɪmət/nounThe greatest amount of something that is allowed.
spending/ˈspendɪŋ/nounThe money that a person or a government pays out.
waste/weɪst/verbTo use more of something than you need to.
afford/əˈfɔːd/verbHave enough money or time for something; it almost always follows a modal verb.

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Unit 4 · Loans & credit · Investing & risk

25 слов

fund/fʌnd/nounAn amount of money saved or collected for a purpose.
debt/det/nounMoney that you owe to another person or a bank.
mortgage/ˈmɔːɡədʒ/nounMoney you borrow from a bank to buy a house.
collateral/kəˈlætərəl/nounProperty you promise to a bank in case a loan is not repaid.
rate/reɪt/nounHow fast something happens, or an amount measured against time.
term/tɜːm/nounOne of the periods that a school year is divided into.
borrow/ˈbɒrəʊ/verbTake something from another person for a while and return it later.
lend/lend/verbGive an object to someone for a short time and expect it back.
guarantee/ˌɡærənˈtiː/nounA firm promise that something will be done or will work.
installment/ɪnˈstɔːlmənt/nounOne of several equal payments spread over a period of time.
lender/ˈlendə/nounA bank or person who gives money that must be paid back.
repayment/riˈpeɪmənt/nounMoney handed back to a bank, usually a fixed sum each month.
default/dɪˈfɔːlt/nounWhat a machine or system does when nobody changes the setting.
investment/ɪnˈvestmənt/nounMoney put into a business in order to make a profit.
investor/ɪnˈvestə/nounSomeone who puts money into a business or shares hoping to gain more.
share/ʃeə/verbTo give part of something to another person.
return/rɪˈtɜːn/verbTo come back to a place you were before.
stock/stɒk/nounAll the goods that a shop keeps ready to sell.
growth/ɡrəʊθ/nounThe process of getting bigger or developing.
loss/lɒs/nounThe fact of no longer having something you had.
risk/rɪsk/nounThe chance that something bad may happen.
asset/ˈæˌset/nounSomething valuable that a company or person owns.
gain/ɡeɪn/verbTo get something useful, often over a period of time.
speculate/ˈspekjəˌleɪt/verbTo guess about something when you do not know the facts.
fluctuate/ˈflʌktʃueɪt/verbTo keep going up and down instead of staying at one level.

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Unit 5 · Tax & bills · Prices & inflation

28 слов

portfolio/pɔːtˈfəʊliˌəʊ/nounA set of work samples you show, or a group of investments.
bill/bɪl/nounA paper that shows how much money you must pay.
receipt/rɪˈsiːt/nounA paper that shows you have paid for something.
record/rəˈkɔːd/verbTo keep sound or pictures so you can use them later.
claim/kleɪm/verbTo say that something is true without proving it.
due/djuː/adjExpected to happen or to arrive at a set time.
invoice/ˈɪnvɔɪs/nounA list showing goods sent and the money that is owed.
accountant/əˈkaʊntənt/nounA person whose job is keeping the money records of a business.
audit/ˈɔːdɪt/nounAn official check of the money records of a company.
declare/dɪˈkleə/verbTo say something officially and clearly.
deduct/dɪˈdʌkt/verbTake an amount away from a total before paying it out.
deduction/dɪˈdʌkʃən/nounAn amount taken off a total before the rest is paid.
overdue/ˌəʊvəˈdjuː/adjNot paid or done by the time it should have been.
taxation/tækˈseɪʃən/nounHow a government takes money from people and companies for public services.
allowance/əˈlaʊəns/nounMoney given regularly to someone for a certain purpose.
cheap/tʃiːp/adjLow in price, and often hinting that the quality is poor too.
increase/ˈɪnkriːs/nounA rise in how many, how much or how big something is.
decrease/ˈdiːkriːs/nounA fall in how many or how much of something there is.
inflation/ɪnˈfleɪʃən/nounA general rise in prices, so the same money buys less.
fall/fɔːl/verbTo move down towards the ground.
rise/raɪz/verbTo move up to a higher place.
salary/ˈsæləri/nounThe money a person gets every month for a job.
crisis/ˈkraɪsəs/nounA time of great danger or difficulty.
economic/ˌekəˈnɒmɪk/adjConnected with money, trade and industry in a country.
purchasing/ˈpɜːtʃəsɪŋ/nounThe part of a business that pays for supplies and services.
recession/rɪˈseʃən/nounA period when trade and jobs in a country get much worse.
stable/ˈsteɪbəl/adjFirmly fixed, and not likely to move or change.
wage/weɪdʒ/nounMoney that is paid every week for work done.

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