• A.

SPENDING MONEY

MONEY

VERBS ABOUT MONEY

Afford Permitirse /aford/

Be worth Valer /bi werz/
Borrow Pedir prestado /borou/
Buy Comprar /bai/
Charge Cobrar /charch/
Cost Cuesta /kost/
Earn Ganar dinero (Por trabajar) /ern/
Employ Contratar a /imploi/
Inherit Heredar /injerit/
Invest Invertir /invest/
Lend Prestar /lend/
Make money Hacer dinero (otros medios) /meik mani/
Owe Deber /ou/
Pay Pagar /pei/
Raise Recolectar /reiz/
Save Ahorrar /seiv/
Spend Gastar /spend/
Waste Malgastar /weist/
Win Ganar /win/
Can´t afford No poder permitirse /kant aford/

Lend and Borrow

Can I borrow your book?
Can you lend me your book?

To spend money on sth that is not necessary Waste

To receive money from sb who has died Inherited
To get money by working Earn
To get money from sb that you will pay back Borrow
To keep money so that you can use it later Save
 MONEY AND PREPOSITIONS

Borrow FROM Pedir prestado DE /borou from/

Charge FOR Cobrar POR /charch for/
Get INTO debt Endeudarse /get intu debt/
Invest IN Invertir EN /invest in/
Lend TO Prestar A /lend tu/
Pay BY credit card Pagar MEDIANTE tarjeta de credito /pei bai kredit kard/
Pay FOR Pagar POR /pei for/
Pay IN cash Pagar EN efectivo / pei in kash/
Spend ON Gastar EN /spend on/

NOUNS

Bank Banco /bank/

Bank account Cuenta bancaria /bank akaunt/
Bill Factura / Ticket /bil/
Broke Quebrado/En bancarrota /brouk/
Budget Presupuesto /bayit/
Cash Dinero /kash/
Cash machine Cajero automatico /kash mashin/
(ATM Ame)
Cheque Cheque /chek/
Coin Moneda /koin/
Contactless payment Pagos sin contacto /kontakl
Contract Contrato /kontrakt/
Credit card Tarjeta de credito /kredit kard/
Debt Deudas /debt/
Dollar Dollar /dolar/
Figures Calculos /figarz/
Gamble Apostar /gambl/
Go on sale Salir a la venta /gou on seil/
Instalment Cuota /instolment/
Insurance Seguro /inshorans/
Interest Intereses /intrest/
Loan Prestamo /loun/
Millionaire Millonario /milionear/
Money Plata /mani/
Mortgage Hipoteca /morgich/
Note Billete /nout/
Prize Precio /praiz/
Recession Recesion (Decaida de la economia) /riseshn/

Salary Salario (por mes) /salari/

Salesman Vendedor /seilzman/
Saver Ahorrador (To save = verbo) /seiver/
 Spender Gastador (To waste = verbo) /spender/
Tax Impuesto (Inmobiliaria, municipal) /taks/

Loan and Mortage

• Loan is the general word for money lent by an individual or bank to another person.
• Mortage is specifically money lent by a bank or building society to buy a house or flat.

Definiciones importantes para el crossroad

A piece of paper that shows how much money you have to pay for Bill
something
The money you get for the work you do Salary
Money that you pay to the government Taxs
Money that somebody (or a bank) lends you Loan
Money that you have available and a plan of how to spend it, e.g. a Budget (Presupuesto)
holiday
Money that you borrow from a bank to buy a house Mortage
A fast way of paying where you hold your card or phone over a reader Contactless payment
and don´t use your PIN.
Money that you pay to a company and then they pay if you are ill, or if Insurace
you lose or break something

PHRASAL VERBS CONNECTED WITH MONEY (Verb+Prep=Cambia significado)

Live off Get the money or the things you need from sb / sth
Vivir a costa de... Examples:
I have to live off my parents while I´m at university.

Live on Have a particular amount of money with which to buy everything you need.
Vivi con/ Examples:
Arreglarse con It´s difficult for me and my wife to live on only one salary.

Pay back Return money that you have borrowed from sb.
Devolver Example:
Can I pay you back the money you lent me next week?

Take out Remove sth from somewhere.

Quitar Example:
I took out $ 200 from a cash machine. ( = took from my bank account).

Put aside Save some money to use later.

Guardar a un Examples:
costado/Ahorrar I put some money aside every week for a holiday.

Set up Create sth or start a new business, a business, an organization, etc.

 Armar / Examples:
Establecerse en A committee was set up to investigate the problem.
un negocio

Take out and Pay back

• Take out and Pay back are separable, i. e. you can also put the particles (out and back) after
the noun.
Example:
When can you pay me the money back?
Algunos no se pueden separar, estos si, pero tmb se pueden poner juntos.

Live on and Live off

• Live on = have enough money for your basic needs.
Example:
I can live on 250 euros a week.
• Live off = receive the money you need to live from somebody / something because you
don´t have any yourself.
Example:
I have to live off my parents while I´m looking for a job.

EXERCISE

Complete the sentences. Write your answers in the column

1. We can´t _afford_ to go on holiday this year, so we´re staying at home. Afford

2. That ring can´t be _worth_ $ 20.000. It looks like plastic! Worth

3. Pete doesn´t have any money, so he has to _live_ _off_ his parents. Live off
They pay for absolutely everything.
4. My brother didn´t _pay_ very much _for_ his car. It was second Pay for
hand.
5. How much do you think you´ll _earn_ every month in your new job? Earn

6. Sorry, but I can´t _pay_ _back_ the money I owe you until the end of Pay back
the month.

7. Do you have any change for the supermarket trolley? I only have a $ Note
10 _Note_
8. Some people think it´s a really bad idea to borrow money _from_ a From
close friend.
9. Why are you _wasting_ your money on things you don´t really need? Wasting

10. I used to have a money box when I was young. That´s how I learnt Save
to _save_ money.
11. Can I _Pay_ _by_ credit card? Pay by
12. Did the bank _lend_ you the money to buy a new car? Lend

13. Diana started spending a lot more money than she had in the bank. Debt
She got into _debt_ after six months.
14. Our gas _bill_ was really high this month because we had the Bill
central heating on all the time.
15. Our neighbour _inherited_ a beautiful house in the country when Inherited
her aunt Jane died.
16. How can the electrician _charge_ us $ 200 for ten minutes´ work. Charge

17. My grandmother´s afraid of using _Cash_ _machine_ in the street. Cash machine
She prefers to go into the bank to get money.
18. I´ve asked my bank for a _mortgage_ because I want to buy a flat. Mortgage

19. The government is going to put up _taxs_ on cigarettes and alcohol. Taxs

20. If you open an _account_ with this bank, you get an interest-free Account
credit card for a year.

COMPOUND NOUNS

Compound nouns are two nouns together, where the first noun describes the second ones.
The stress is usually on the first noun.
Example:

Beauty treatments Tratamiento de belleza /biu:ti tri:tments/

Cash machine Cajero automatico /kash mashi:n/
Cleaning products Productos de limpieaza /klinin prodakt/
Cycling trip Viaje en bicileta /saiklin trip/
Electricity bill Factura de la luz /ilektriseti bil/
Olive oil Aceite de oliva /oliv oil/
Tap water Agua de la canilla /tap woter/

WOULD

Would for imaginary situations (Si hiciera tal cosa)

We use would to talk about imaginary situations, e.g. To save money.

Example:
I´d spend less on clothes and I´d cook for myself at home.

Scam (=estafas)

A dishonest and illegal way of making money by tricking people, e.g. selling a product online
that doesn´t exist.