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Money and Finance Vocabulary


Money and Finance Vocabulary

from rags to riches

I know I’d go from rages to riches,

If you would only say you care,

And though my pocket may be empty,

 I’d be a millionaire 

chicken feed


The amount of money that I paid for the used car was chicken feed.

Money and Finance Vocabulary


Bread and butter


His new company needs to do well because it’s his bread and butter.

at all costs


We plan to send our child to a good school at all costs. 



Money talks



We can’t compete against the big companies. Money always talks.

Money doesn’t grow on trees


She told her son that he couldn’t have the new game since money doesn’t grow on trees.



Break the bank


I know the car is expensive but it’s not going to break the bank.

Bring home the bacon


Her husband was the one to bring home the bacon and he often kept long hours at work.

Money and Finance Vocabulary

Money and Finance Vocabulary

cut back on 


A car is our second biggest expense after the cost of our home, but you can cut back on car expenses.


types of businesses

  • a manufacturer
  • a retailer
  • a distributor
  • service industry
  • a start-up
  • a family business
  • a parent company
  • a sister company
  • an affiliate company 
  • a subsidiary company
  • balance
  • accountancy
  • budget
  • cash flow 
  • debt
  • venture capital
  • interest rate
  • credit card fraud
  • rock-bottom prices



  • a balance of payments
  •  a business cycle
  •  a currency
  • a slump in prices
  • fiscal measures
  • a market economy
  • a war-torn economy
  • ailing economies
  • to boost economy


success in business

  • a profit
  • a gross profit
  • a net profit
  • an after-tax profit
  • a pre-tax profit
  • a profit margin
  • a dividend 
  • a loss
  • bankruptcy
  • liquidation

failure in business

Words Easily Confused

• A simple loan is a loan that needs no collateral whereas mortgage is a loan where the borrower has to keep his property in the name of the bank till he repays the loan amount in full


• A simple loan is unsecured, carries high rate of interest, and is for a shorter time period


• A mortgage is secured, carries lower rate of interest, and is given for a longer time period.

Worthless means something has no value and is useless, but priceless means the value is too big to be measured and something is of high value. 

Income is money flowing to you – incoming cash or payments.


Expenditures are money flowing away from you – payments which you make; expenses

Use lend when you are giving money or items to someone. 


Use borrow when you are taking money or items from someone.



  • Today’s society is very materialistic and consumer orientated
  • Many people are always ambitious to earn more money
  • People always try to buy bigger houses and better cars
  • Many people think material possessions will make them happy
  • Having a lot of ‘things’ is seen as a sign of success
  • Luxury brand names like ‘Mercedes’ and ‘Ralph Lauren’ are considered status symbols
  • The advertising industry always create new desires for people to spend their money on
  • Many people are easily persuaded to follow the latest trends, spending money to keep up with fashion and the ‘in crowd’


  • When people consume it creates employment and stimulates the economy
  • It can help to reduce poverty
  • Businesses are encouraged to be innovative and creative to remain competitive
  • Consumerism can lead to a better quality of life or standard of living
  • Some people feel happier when they buy things


  • Societies and economies based principally on consumerism create much more waste
  • Consumerism creates the need to use many natural resources
  • The process of producing and consuming creates environmental damage
  • Today’s ‘throw away’ or disposable culture is a direct result of consumerism
  • Advertising agencies try to persuade us what we need and what we should want in life
  • Studies have proven that consumerism does not make people happier or more satisfied in life
  • Being materialistic can lead to greed which can lead to crime
  • A consumerist society can quickly lose its traditional values


What kind of shopper are you?

SHOPPING is the UK’s fourth favourite leisure pursuit.

Whether it’s a spending spree, bargain hunting, or just browsing, millions of us head for the shops every weekend.

And it’s not just women who indulge in this popular pastime. Men over 50 now outspend women of the same age, because of their love of gadgets, and it’s estimated that two to eight per cent of all UK adults are shopaholics.

A small number, though, may become compulsive shoppers: they become addicted to it and end up with crippling financial debts.

Impulse shopper:

You might go to the shops in search of sandals and come back with a winter coat.You may also havethings in your wardrobe with the price tag still on them.

Situational shopper:

Shop till you drop? Not you.You are not there for browsing – you’re after a particular buy. And the moment you’ve got it, you’re off.

Bargain buyer:

You have an eye for a bargain,and you’ll shop around until you find it.

Serious shopper:

You’re increadibly focused and won’t be distracted by cheap offers.

African economy

Money and Finance Vocabulary

In a public question-and-answer session on the Internet in 1999, Clare Short, the Minister responsible for Britain’s international development policies and activities, gave this answer to a question from someone in Harare, Zimbabwe.

Question: Are the UK and Europe tired of trying to encourage real and lasting development projects in Africa?

Answer: It may surprise you to learn that there are many encouraging signs in Africa. Over the last three years, 31 African countries achieved economic growth of more than 3% per year. Foreign direct investment, although still too small, has been rising. Africa’s share in world trade has shown signs of recovering from its long decline. Some countries, such as Mozambique, Côte d’Ivoire, Uganda and Mauritius, have done much better than this.

But some 250 million people in Africa still live in deep poverty, we must do better. With other development agencies we are committed to supporting those African governments which are following policies to reduce poverty and improve access to better health, education and clean water.

Free-trade agreements

Free trade agreements often cause disputes between countries, especially when one country thinks the other is engaged in restrictive practices.

Occasionally, trade wars erupt, and sanctions or embargoes are imposed on countries, and may not be lifted for long periods. On the other hand, European countries, closely related economically and enjoying good relations, have entered into monetary union and have a single currency.

Use the 50/20/30 Rule to Outline Your Budget For Every Need

The best way to keep a balanced budget is to decide your financial boundaries before you start spending. The 50/20/30 rule can help you keep every expense properly proportioned.

As personal finance site Money Ning explains, the 50/20/30 rule is a basic, broad guideline aimed at helping you budget for different financial goals. Here’s how it breaks down:

Fixed Costs (50%): Everything you have to pay for monthly should fit in half your paycheck, wherever possible. If you earn $3,000/mo, don’t live in a place with $2,000 rent. Keep rent/mortgage, utilities, and recurring bills under that 50% line.

Financial Goals (20%): This category should be devoted to some form of goal you have. This can include building your savings, paying down debt, building an emergency fund, and so on.

Flexible Spending (30%): This category can include anything that changes month to month. That can mean things like grocery shopping, but it can also include your entertainment budget, or your hobbies.

With these three broad buckets, it’s easy to keep a handle on your finances. For example, when you’re shopping for a new place to live, it’s a handy guide to ensuring that your cost of living will be manageable, rather than overwhelming you.


further readings

Money and Finance Vocabulary


  • Most people have a savings account.
  • For retirement savings, most experts agree that about 15% of your gross annual income is about right.
  • Our ultimate guide to saving money will get you on the right track.
  • The guide will help you to take your finances to the next level.
  • After you add the money, it grows tax-free and you withdraw some or all of it after you reach age 59
  •  Don’t put all your eggs in one basket.
  • If you don’t have an emergency fund, start one today. 
  • Many experts agree that you should not be paying more than about 25% of your monthly take home pay on your mortgage or rent payment
  • Can you add a side hustle or find other ways to boost your income?