Từ vựng & ideas topic "SPENDING &SAVING MONEY (Shopping Habits & Management)"tiếng anh

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IELTS TUTOR hướng dẫn Từ vựng topic "Map / Get lost"



  • To earn (v): kiếm tiền  → to earn a living: kiếm sống 
    • IELTS TUTOR xét ví dụ: He deservedly earned the admiration of his colleagues. Everyone should have the means to earn their own living. 
  • Finance (n): tài chính 
    • IELTS TUTOR xét ví dụ: She struggled to get the necessary finance for her training. The banking and finance sector was booming. Our family finances are not very healthy at the moment. 
  • Financial (adj): thuộc về tài chính → financial stability/ financial sustainability/ financial viability: likelihood of continued success – ổn định tài chính 
    • IELTS TUTOR xét ví dụ: The safety of the banking system is fundamental to long-term financial stability.
      • Các collocation với financial IELTS TUTOR lưu ý:
        • financial burden/ financial difficulties/ financial hardship: gánh nặng tài chính 
          • IELTS TUTOR xét ví dụ: Is there anything I can do to safeguard against this type of financial hardship? 
        • financial aid/ financial assistance/ financial support: hỗ trợ tài chính 
          • IELTS TUTOR xét ví dụ: There are two ways the College can provide direct financial assistance for students. 
        • financial independence: tự chủ tài chính 
          • IELTS TUTOR xét ví dụ: The more education, financial independence, and political power women have, the more they influence society. 
  • Income (n): thu nhập → above-average/ high/ large/ sufficient/ average/ steady/ annual + income  
    • IELTS TUTOR xét ví dụ: 
      • Every company must keep control of its income and expenditure. 
      • They hope that the lottery will provide additional income for charities. 
      • He has a large private income on top of what he earns as a teacher. 
  • Cost (n/v): có giá/ đáng giá (bao nhiêu)
    • IELTS TUTOR xét ví dụ:
      • You will have to bear the full cost of the building work. 
      • Money could be saved by reducing, reusing and recycling waste because that does not incur the cost of landfill tax. 
      • Competition will drive the price down near to the marginal cost. 
  • Pay (v): trả tiền 
    • IELTS TUTOR xét ví dụ: 
      • Women are eligible for 18 weeks maternity leave on full pay. 
      • The job offers good rates of pay and excellent conditions. 
  • Savings (n): tiền tiết kiệm  → big, considerable, great, major, significant, substantial | estimated, expected, possible, potential + savings .  
    • IELTS TUTOR xét ví dụ: 
      • I don’t have a strong view as to how you should diversify your savings. 
      • The potential savings are enormous
  • Expenditure (n): Khoản chi tiêu   → Annual expenditure, gross expenditure, total expenditure: tổng chi tiêu   →consumer, government, household + expenditure   
    • IELTS TUTOR xét ví dụ: 
      • Expenditure should ideally not exceed income. 
      • Gross expenditure of the company increased by 8 per cent in the last financial year. 
      • Reductions in tax often lead to increases in household expenditure. 
  • Spend (v): chi tiền, dùng tiền → To overspend: to spend more money than you should or more than you intended to – Chi tiêu quá mức  → money well spent: tiêu tiền xứng đáng → in a sensible way: wisely→ in large amounts: freely, heavily
    • IELTS TUTOR xét ví dụ: 
      • We’re spending a lot more on clothes than we used to. 
      • The company spends heavily on marketing and promotion. 
      • Try to be objective if you want to spend your money wisely.
  • Manage (v): quản lý → Money management: Quản lý tài chính;
    • IELTS TUTOR xét ví dụ: If you have a flair for saving, managing and investing money, you have money management skills.
  • A large sum of money: một số tiền lớn
    • IELTS TUTOR xét ví dụ: I had to save 𝗮 𝗹𝗮𝗿𝗴𝗲 𝘀𝘂𝗺 𝗼𝗳 𝗺𝗼𝗻𝗲𝘆 when I bought my first car for more conveniently travelling to work. I can’t remember the exact date, but I suspect it’s 6 years ago.
  • Live independently: sống tự lập
    • IELTS TUTOR xét ví dụ: This was when I left home to 𝗹𝗶𝘃𝗲 𝗶𝗻𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝘁𝗹𝘆, and I wanted to 𝗽𝗮𝘆 𝗺𝘆 𝗼𝘄𝗻 𝘄𝗮𝘆 so that I refused to 𝗹𝗲𝗻𝗱 𝗺𝗼𝗻𝗲𝘆 from my parents. 
  • Pay my own way: tự chi trả
  • Lend money: vay tiền
  • Live on the breadline: sống cuộc sống vất vả 
    • IELTS TUTOR xét ví dụ: It all seems that I was 𝗹𝗶𝘃𝗶𝗻𝗴 𝗼𝗻 𝘁𝗵𝗲 𝗯𝗿𝗲𝗮𝗱𝗹𝗶𝗻𝗲 and couldn’t 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗵𝗶𝘀 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲.
  • Afford this purchase: đủ tiền chi trả nhu cầu>> IELTS  TUTOR  hướng  dẫn  Sửa bài IELTS SPEAKING PART 1-2-3 topic Work/Study(Sửa & Làm lại 4 lần - HS đạt 7.5) 
  • Earn a good salary: có một mức lương tốt 
    • IELTS TUTOR xét ví dụ: I had a full-time job and 𝗲𝗮𝗿𝗻𝗲𝗱 𝗮 𝗴𝗼𝗼𝗱 𝘀𝗮𝗹𝗮𝗿𝘆 and 𝗮𝗻 𝗲𝘅𝘁𝗿𝗮 𝗶𝗻𝗰𝗼𝗺𝗲 from some freelance projects during my free time.
  • An extra income: thu nhập thêm 
  • Live on the fast lane: sống gấp, sống vội 
    • IELTS TUTOR xét ví dụ: It may take years to get enough money to buy my car if I just kept 𝗹𝗶𝘃𝗶𝗻𝗴 𝗼𝗻 𝘁𝗵𝗲 𝗳𝗮𝘀𝘁 𝗹𝗮𝗻𝗲.
  • Cut down on luxuries: giảm chi tiêu xa xỉ 
    • IELTS TUTOR xét ví dụ: To save money, I decided to 𝗰𝘂𝘁 𝗱𝗼𝘄𝗻 𝗼𝗻 𝗹𝘂𝘅𝘂𝗿𝗶𝗲𝘀 and avoid 𝗲𝘅𝗰𝗲𝗲𝗱𝗶𝗻𝗴 𝗺𝘆 𝗮𝗴𝗿𝗲𝗲𝗱 𝗰𝗿𝗲𝗱𝗶𝘁 𝗹𝗶𝗺𝗶𝘁. Then, I called my 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁 and 𝗮𝗰𝗰𝗲𝗽𝘁𝗲𝗱 𝗮 𝗯𝗮𝗻𝗸 𝗹𝗼𝗮𝗻 for my purchase.
  • Exceeding one’s agreed credit limit: vượt quá hạn mức chi 
  • Get a good deal: có được giá tốt 
  • Go cheap: rẻ tiền 
    • IELTS TUTOR xét ví dụ: I didn’t miss this opportunity to 𝗴𝗲𝘁 𝗮 𝗴𝗼𝗼𝗱 𝗱𝗲𝗮𝗹 as the car price was 𝗴𝗼𝗶𝗻𝗴 𝗰𝗵𝗲𝗮𝗽 and finally I can drive to work everyday.
  • Learn a saving lessons: học cách tiết kiệm 
    • IELTS TUTOR xét ví dụ: I think the point is I 𝗹𝗲𝗮𝗿𝗻 𝗮 𝘀𝗮𝘃𝗶𝗻𝗴 𝗹𝗲𝘀𝘀𝗼𝗻𝘀 and make my 𝘀𝗮𝘃𝗶𝗻𝗴 𝗵𝗮𝗯𝗶𝘁 for a bigger money like buying a house in the future
  • Saving habit: thói quen tiết kiệm
  • Savings  (n) Những khoản tiết kiệm 
    • IELTS TUTOR xét ví dụ: Actually, people in my country have savings for various purposes and this depends on their age. Young people tend to save money for travelling, marriage or a down payment on a house while elder people tend to save money for healthcare service.
  • Down payment (n) Tiền đặt cọc 
  • Healthcare service (n) Dịch vụ chăm sóc sức khỏe
  • Overspend (v) Tiêu quá số tiền đang có 
    • IELTS TUTOR xét ví dụ: Well, I find that saving money is difficult for me as I tend to overspend on clothes or food, especially on payday. Buying a Macbook has been my dream for a very long time but I often run out of money at the end of the month; therefore I still cannot afford to buy one. To solve the problem, recently I have adopted a method that helps me save money much more effectively,
  • Payday (n) Ngày được trả lương 
  • Piggy bank (n) Lợn tiết kiệm
  • Set saving goals (v) Đặt ra các mục tiêu tiết kiệm 
    • IELTS TUTOR xét ví dụ: It may be traditional to somebody but to me, I think it works as it helps me spend money in a smarter way. When I get paid, I will withdraw all the money, spend half of them and the other half will be put in the piggy bank. Whenever I have a financial decision, I have to be extremely careful so that I can make a smart investment. I sometimes ask my sister to keep my money because she is an expert in money management and she is also the person who gives me advice on how to balance the expense. In addition, I try to spend less than the amount that I withdraw and cut down on unnecessary things so that I can set aside more money to realize my dream. After a short time trying to save money like that, I find that I have a secure amount of money in case I need for emergency. This method of saving helps me a lot with my financial situation.
  • Withdraw (v) Rút tiền 
  • Financial decision (n) Quyết định tài chính 
  • Smart investment (n) Đầu tư thông minh 
  • Balance the expense (v) Cân bằng chi tiêu 
  • Cut down on (v) Cắt giảm 
  • Set aside (v) Dành dụm>> IELTS TUTOR có hướng dẫn kĩ PHÂN TÍCH ĐỀ THI THẬT TASK 2 (dạng advantages & disadvantages) NGÀY 04/8/2020 IELTS WRITING GENERAL MÁY TÍNH (kèm bài được sửa hs đi thi)
    • IELTS TUTOR xét ví dụ: Personally I think this is a very important thing to teach children as they have to grow and carry out transactions that are related to money. If children are encouraged to save money, they may learn how to use it more wisely and appreciate the effort of their parents who work hard to make ends meet. Moreover, they may prepare better for the future if they understand the essence of saving money for a rainy day; therefore, it is encouraged that parents teach children how to save money.
  • Transactions (n) Giao dịch 
  • Make ends meet (v) Kiếm sống 
  • Saving money for a rainy day (v) – (idm) Dành dụm tiền cho những ngày khó khăn



    • Saving money for a rainy day (idiom): Dành dụm tiền cho những ngày khó khăn (IELTS TUTOR giải thích: keeping money for the future, or saving for an emergency)
    • Money doesn’t grow on trees (idiom): Tiền không dễ kiếm được (IELTS TUTOR giải thích: money is not easy to earn)
    • Tighten one’s belt (idiom): – thắt lưng buộc bụng (IELTS TUTOR giải thích: to spend less than usual in order to save money)
    • Money talks (idiom): đồng tiền lên tiếng → nhấn mạnh sức thuyết phục, quyền lực to lớn của đồng tiền (IELTS TUTOR giải thích:  This is a modern expression which means that money is powerful, or that money makes things happen)>> IELTS TUTOR có hướng dẫn kĩ PHÂN TÍCH ĐỀ THI THẬT TASK 1 (Complaint letter) NGÀY 04/8/2020 IELTS WRITING GENERAL MÁY TÍNH (kèm bài được sửa hs đi thi)
    • Cost an arm and a leg (idiom): Tốn rất nhiều tiền (IELTS TUTOR giải thích: cost a lot of money)
    • Spend money like water (idiom): Tiêu tiền như nước (IELTS TUTOR giải thích: to spend money freely as if it were in endless supply)
    • Make ends meet (idiom): Kiếm đủ sống (IELTS TUTOR giải thích: your income/ salary is just about enough to cover your expenditure)
    • To run into debts (idiom): Nợ nần chồng chất (IELTS TUTOR giải thích: to be in a position of owing money to someone or something (such as a bank or other lending institution))
    • To make a fortune (idiom): Kiếm cả gia tài, kiếm cả mớ tiền (IELTS TUTOR giải thích: To earn a very large amount of money, especially by doing something very successfully)

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