Từ vựng topic Money IELTS

Bên cạnh hướng dẫn thêm cách phân tích cũng như bài sửa kĩ càng của học sinh IELTS TUTOR đã đi thi ngày 22/8 nhé, IELTS TUTOR tổng hợp Từ vựng topic Money IELTS

IELTS TUTOR lưu ý:

• Save for a rainy day (idioms) = dành dụm tiền cho những ngày khó khan
  • IELTS TUTOR xét ví dụ: I save a portion of my wages each month for a rainy day. – Tôi tiết kiệm 1 phần tiền lương mỗi tháng để phòng trường hợp khó khăn.
• Everything comes with a price (idioms) = mọi thứ đều có cái giá của nó

• On the breadline (idioms) = very poor
  • IELTS TUTOR xét ví dụ:  Too many men have children and then forget about them — leaving the children and the mothers living on the breadline. – Quá nhiều đàn ông có con và rồi quên con họ – để cho con và mẹ của chúng luôn đói khổ.

• Be rolling in money/it (idioms) = have a lot of money
  • IELTS TUTOR xét ví dụ:  I hear her father is rolling in money, so I wouldn’t be too worried about her future. – Tôi nghe nói cha của cô ấy rất giàu nên tôi sẽ không quá lo lắng về tương lai của cô ấy.

• Cost an arm and a leg (idioms) = be very expensive, cost a lot of money
  • IELTS TUTOR xét ví dụ:  Many restaurants were charging an arm and a leg for poor quality food. – Rất nhiều nhà hàng tính phí rất đắt đỏ cho những món ăn kém chất lượng.

• Live beyond one’s means (idioms) = spend more money than you earn
  • IELTS TUTOR xét ví dụ:  Being so poor during college taught me not to live beyond my means once I got a steady job. – Việc quá nghèo khó trong thời gian học đại học đã dạy tôi rằng không nên vung tiền quá trán một khi tôi có công việc ổn định.
• Go on a spending spree (idioms): to buy many things (often without thinking too much about the cost)

• Make (both) ends meet (idioms) = survive financially: đủ (tiền để) sống qua ngày
  • IELTS TUTOR xét ví dụ: After the large income tax hike, many people suddenly found it difficult to make both ends meet. – Sau khi tăng thuế thu nhập lớn, nhiều người đột nhiên cảm thấy khó khăn để kiếm đủ tiền sống qua ngày.

• Run out of money (phrasal verb): cạn tiền
  • IELTS TUTOR xét ví dụ:  Many hospitals are running out of money. – Nhiều bệnh viện đã cạn ngân sách
• Throw money around (phrasal verb): mặc sức tiêu tiền lên những thứ không cần thiết.
  • IELTS TUTOR xét ví dụ:  He lost his job, but still seems to have plenty of money to throw around. – Anh ta mất việc nhưng có vẻ như có rất nhiều tiền để tiêu pha không cần thiết
• Money is no object (idioms): tiền không phải là vấn đề
• Money makes the world go round (idioms): đồng tiền làm thế giới xoay chuyển (có tiền mua tiên cũng được)
• Money makes money (idioms): tiền làm ra tiền
• Spend money like water (idioms): tiêu tiền như nước
• The love of money is the root of all evil (idioms): Đam mê tiền tài là nguồn gốc của tội lỗi
  • IELTS TUTOR xét ví dụ:  Money makes people kill and steal. Greed means there are things in the world like blackmail, corruption, slave labour and a lot more terrible things. So it is true to say that “the love of money is the root of all evil”. 
• Money can’t buy happiness (idioms): Tiền không mua được hạnh phúc
• To put paid to (phrasal verb): đánh đổi
  • IELTS TUTOR xét ví dụ:  His dedication to his work put paid to his wife’s career as a nurse as soon as their first child came along.
• To pay the price for (phrasal verb): trả giá cho hành động/ quyết định
  • IELTS TUTOR xét ví dụ:  He is paying the price for his ambitiousness now as his wife has left him and taken their son. – Anh ta đang phải trả giá cho sự tham vọng của mình bây giờ vì vợ anh ta đã bỏ anh ta và mang con trai của họ.
• Throw money at (phrasal verb): tiêu rất nhiều tiền cho việc gì đó, để giải quyết việc gì đó.
  • IELTS TUTOR xét ví dụ: Many people agree that throwing money at our schools has not produced good results. 
• Money doesn’t grow on trees (idioms) = Money doesn’t come easily: tiền không tự nhiên mà có
• Live from hand to mouth (idioms) = have just enough money to live
  • IELTS TUTOR xét ví dụ:  Our older generation lived from hand to mouth during the war. – Thế hệ trước chúng ta chỉ sống đủ ăn đủ mặc trong thời kỳ chiến tranh.
• Make big money: làm ra nhiều tiền
  • IELTS TUTOR xét ví dụ:  This film is making big money in America. – Bộ phim này làm ra rất nhiều tiền ở Mỹ.

• Cut down on (phrasal verb): cắt giảm chi tiêu về…
  • IELTS TUTOR xét ví dụ:  The supermarket chain has promised to cut down on plastic packaging. – Chuỗi siêu thị đã hứa cắt giảm bớt bao bì nhựa.

1.2.1. Noun topic Money IELTS

IELTS TUTOR lưu ý:

1. Currency:

   • Definition: The system of money used in a particular country.
   • IELTS TUTOR xét ví dụ: "The exchange rate between the two currencies fluctuated throughout the year."

2. Income:

   • Definition: Money received on a regular basis, typically in the form of wages or investments.
   • IELTS TUTOR xét ví dụ: "Her monthly income allowed her to cover all her basic expenses."

3. Savings:

   • Definition: Money that is saved or set aside for future use.
   • IELTS TUTOR xét ví dụ: "It's important to have a savings account to prepare for unexpected expenses."

4. Expense:

   • Definition: The cost required for something; the money spent on goods or services.
   • IELTS TUTOR xét ví dụ: "Tracking your expenses is essential for managing your budget effectively."

5. Debt:

   • Definition: Money that is owed to someone else; an obligation to repay a sum of money.
   • IELTS TUTOR xét ví dụ: "Paying off your debts is crucial for financial stability."

6. Investment:

   • Definition: The act of putting money into assets with the expectation of achieving a profit or gain.
   • IELTS TUTOR xét ví dụ: "Real estate can be a lucrative long-term investment."

7. Credit:

   • Definition: The ability to obtain goods or services before payment, with the understanding that payment will be made later.
   • IELTS TUTOR xét ví dụ: "Using a credit card responsibly can help build a positive credit history."

8. Wealth:

   • Definition: The abundance of valuable possessions or money.
   • IELTS TUTOR xét ví dụ: "Generations of hard work had accumulated wealth for the family."

9. Budget:

   • Definition: A financial plan specifying how money will be allocated for a particular period.
   • IELTS TUTOR xét ví dụ: "Creating a realistic budget is key to managing your finances effectively."

10. Inflation:

    • Definition: The rate at which the general level of prices for goods and services rises, eroding purchasing power.
    • IELTS TUTOR xét ví dụ: "Central banks aim to control inflation to maintain economic stability."

11. Cash flow:

    • Definition: The movement of money in and out of a business or household.
    • IELTS TUTOR xét ví dụ: Effective budgeting is essential for maintaining a steady cash flow in a small business.

12. Credit card:

    • Definition: A plastic card that allows the holder to make purchases on credit, with repayment usually required on a monthly basis.
    • IELTS TUTOR xét ví dụ: Using a credit card responsibly can help build a positive credit history.

13. Interest rate:

    • Definition: The percentage at which interest is charged on borrowed money or earned on an investment.
    • IELTS TUTOR xét ví dụ: It's crucial to shop around for the best interest rate before taking out a loan.

14. Bank account:

    • Definition: An arrangement with a bank to keep money and manage financial transactions.
    • IELTS TUTOR xét ví dụ: Opening a bank account is a fundamental step towards financial stability.

15. Investment portfolio:

    • Definition: A collection of financial assets, such as stocks, bonds, and real estate, held by an investor.
    • IELTS TUTOR xét ví dụ: Diversifying your investment portfolio can help mitigate risks.

16. Exchange rate:

    • Definition: The value of one currency in terms of another currency, determining the rate at which they can be exchanged.
    • IELTS TUTOR xét ví dụ: Fluctuations in the exchange rate can impact international trade.

17. Debt consolidation:

    • Definition: Combining multiple debts into a single loan or payment to simplify and manage repayment.
    • IELTS TUTOR xét ví dụ: Debt consolidation can be a viable solution for individuals with various outstanding loans.

18. Budget allocation:

    • Definition: The distribution of funds across different categories or expenses within a budget.
    • IELTS TUTOR xét ví dụ: Careful budget allocation is key to achieving financial goals.

19. Tax deduction:

    • Definition: An expense that can be subtracted from an individual's or business's taxable income, reducing the amount of income subject to taxation.
    • IELTS TUTOR xét ví dụ: Donating to charitable organizations can result in a tax deduction.

20. Purchasing power:

    1. Definition: The ability of a currency or income to buy goods and services.
    2. IELTS TUTOR xét ví dụ: Inflation can erode the purchasing power of a nation's currency over time.

1.2.2. Adj topic Money IELTS

IELTS TUTOR lưu ý:

1. Prosperous

   • Definition: Having or characterized by financial success or good fortune.
   • IELTS TUTOR xét ví dụ: The prosperous businessman invested wisely, ensuring a steady growth of his wealth.

2. Affluent

   • Definition: Having a plentiful supply of material wealth.
   • IELTS TUTOR xét ví dụ: The neighborhood was known for its affluent residents, luxurious homes, and high-end amenities.

3. Austere

   • Definition: Simple and plain, without luxury or excess.
   • IELTS TUTOR xét ví dụ: Despite having substantial savings, Jane chose to live an austere lifestyle to save for future investments.

4. Impoverished

   • Definition: Lacking the basic necessities of life; extremely poor.
   • IELTS TUTOR xét ví dụ: The charitable organization aimed to support impoverished communities by providing them with food, shelter, and education.

5. Opulent

   • Definition: Characterized by great wealth and luxury.
   • IELTS TUTOR xét ví dụ: The opulent ballroom, adorned with crystal chandeliers and golden decor, hosted the city's elite for a grand event.

6. Frugal

   • Definition: Practicing economy, avoiding waste, and being thrifty.
   • IELTS TUTOR xét ví dụ: The frugal couple managed to save a significant portion of their income by budgeting carefully and avoiding unnecessary expenses.

7. Extravagant

   • Definition: Spending more money than is necessary or reasonable.
   • IELTS TUTOR xét ví dụ: Despite their limited income, they celebrated their anniversary with an extravagant dinner at a fancy restaurant.

8. Solvency

   • Definition: The ability to meet one's financial obligations; having enough assets to cover debts.
   • IELTS TUTOR xét ví dụ: The company's solvency was questioned as it struggled to repay its loans and maintain a positive cash flow.

9. Indebted

   • Definition: Owing money, especially when unable to repay it quickly.
   • IELTS TUTOR xét ví dụ: After years of borrowing to fund his education, John found himself deeply indebted and sought financial advice.

10. Lavish

    • Definition: Expending or bestowing profusely; characterized by extravagance.
    • IELTS TUTOR xét ví dụ: The celebrity's lavish lifestyle included luxury cars, designer clothing, and frequent exotic vacations.

11. Tax-free (compound adjective)

    • Definition: Not subject to taxes.
    • IELTS TUTOR xét ví dụ: "Investing in tax-free bonds can be a smart financial move."

12. Inflationary (compound adjective)

    • Definition: Pertaining to or causing inflation, the increase in prices over time.
    • IELTS TUTOR xét ví dụ: "Rapid economic growth can be inflationary and impact the purchasing power of money."

13. Disposable (compound adjective)

    • Definition: Available for use or spending after necessary expenses have been paid.
    • IELTS TUTOR xét ví dụ: "Disposable income allows individuals to make discretionary purchases and contribute to the economy."

14. Liquid (compound adjective)

    • Definition: Easily converted into cash or readily available assets.
    • IELTS TUTOR xét ví dụ: "Investments in stocks are less liquid compared to holding cash in a savings account."

15. Recession-proof (compound adjective)

    • Definition: Resistant or immune to the negative effects of an economic recession.
    • IELTS TUTOR xét ví dụ: "Some industries, like healthcare, tend to be recession-proof due to constant demand for their services."

16. Debtor-friendly (compound adjective)

    • Definition: Favorable or accommodating to those who owe money.
    • IELTS TUTOR xét ví dụ: "During tough economic times, policymakers may implement debtor-friendly measures to ease financial burdens."

17. Sustainable (compound adjective)

    • Definition: Capable of being maintained over the long term without causing harm.
    • IELTS TUTOR xét ví dụ: "Investing in sustainable businesses not only benefits the environment but also offers long-term financial stability."

18. Frugal (compound adjective)

    • Definition: Economical and avoiding unnecessary expenses.
    • IELTS TUTOR xét ví dụ: "Being frugal in daily spending habits can lead to substantial savings over time."

19. Creditworthy (compound adjective)

    • Definition: Deserving of being trusted to repay borrowed money.
    • IELTS TUTOR xét ví dụ: "Lenders carefully assess the creditworthiness of applicants before approving loans."

20. Diversified (compound adjective)

    • Definition: Varied and well-balanced, especially in terms of investments.
    • IELTS TUTOR xét ví dụ: "A diversified investment portfolio can help mitigate risks and optimize returns in different market conditions."

1.2.3. Verb topic Money IELTS

IELTS TUTOR lưu ý:

1. Earn

   • Definition: To receive money in return for work or services.
   • IELTS TUTOR xét ví dụ: She earns a high salary as a software engineer.

2. Save

   • Definition: To keep money for future use; to put aside or store money.
   • IELTS TUTOR xét ví dụ: It's important to save a portion of your income for unexpected expenses.

3. Invest

   • Definition: To use money with the expectation of achieving a profit or a financial return.
   • IELTS TUTOR xét ví dụ: Many people choose to invest in stocks to grow their wealth over time.

4. Budget

   • Definition: To plan and manage the spending of money.
   • IELTS TUTOR xét ví dụ: Creating a monthly budget helps individuals control their expenses.

5. Splurge

   • Definition: To spend money lavishly or extravagantly.
   • IELTS TUTOR xét ví dụ: After receiving a bonus, she decided to splurge on a luxurious vacation.

6. Donate

   • Definition: To give money or goods to a charitable cause.
   • IELTS TUTOR xét ví dụ: The wealthy businessman decided to donate a significant amount to the local orphanage.

7. Borrow

   • Definition: To take money or something else on loan with the promise of returning it.
   • IELTS TUTOR xét ví dụ: He had to borrow money from a friend to cover unexpected medical expenses.

8. Lend

   • Definition: To give money or something else on loan to someone.
   • IELTS TUTOR xét ví dụ: Can you lend me some cash until I get my paycheck?

9. Negotiate

   • Definition: To discuss and reach an agreement on financial terms.
   • IELTS TUTOR xét ví dụ: The employee successfully negotiated a higher salary with the company.

10. Manage

    • Definition: To handle or control finances efficiently.
    • IELTS TUTOR xét ví dụ:  Good financial managers are adept at managing both income and expenses wisely.

1.2.4. Collocation topic Money IELTS

IELTS TUTOR lưu ý:

1. Earn money:

   • Definition: To receive money as payment for work or services.
   • IELTS TUTOR xét ví dụ: "She works hard to earn money for her education."

2. Save money:

   • Definition: To keep money for future use and not spend it immediately.
   • IELTS TUTOR xét ví dụ: "It's essential to save money for unexpected expenses."

3. Invest money:

   • Definition: To put money into a business or project with the expectation of making a profit.
   • IELTS TUTOR xét ví dụ: "Many people choose to invest money in the stock market."

4. Waste money:

   • Definition: To spend money on something unnecessary or frivolous.
   • IELTS TUTOR xét ví dụ: "Don't waste money on things you don't really need."

5. Lose money:

   • Definition: To experience a financial loss or decrease in value.
   • IELTS TUTOR xét ví dụ: "He invested in a risky venture and ended up losing money."

6. Borrow money:

   • Definition: To take money from someone with the intention of returning it later, usually with interest.
   • IELTS TUTOR xét ví dụ: "They had to borrow money to start their small business."

7. Lend money:

   • Definition: To give money to someone with the expectation that it will be returned, usually with interest.
   • IELTS TUTOR xét ví dụ: "I'm happy to lend money to a friend in need."

8. Budget money:

   • Definition: To plan and allocate money for different purposes to manage finances effectively.
   • IELTS TUTOR xét ví dụ: "Creating a monthly budget helps you control and budget money wisely."

9. Make money:

   • Definition: To earn or generate income.
   • IELTS TUTOR xét ví dụ: "Investing in education is a great way to make money in the long run."

10. Handle money:

    • Definition: To manage and deal with money responsibly.
    • IELTS TUTOR xét ví dụ: "It's crucial to learn how to handle money wisely to achieve financial stability."

1.2.5. Adv topic Money IELTS

IELTS TUTOR lưu ý:

1. Avidly:

   • Definition: Eagerly or with great enthusiasm.
   • IELTS TUTOR xét ví dụ: He avidly invested in the stock market to maximize his returns.

2. Prudently:

   • Definition: In a careful and cautious manner, with good judgment.
   • IELTS TUTOR xét ví dụ: She prudently saved a portion of her income for future emergencies.

3. Lavishly:

   • Definition: In an extravagant or generous manner.
   • IELTS TUTOR xét ví dụ: They celebrated their success by lavishly spending on a luxurious vacation.

4. Frugally:

   • Definition: Economically or sparingly, avoiding unnecessary expenses.
   • IELTS TUTOR xét ví dụ: Living frugally allowed him to build a substantial savings account.

5. Meticulously:

   • Definition: With great attention to detail, thoroughly and precisely.
   • IELTS TUTOR xét ví dụ: She meticulously managed her budget, accounting for every expense.

6. Routinely:

   • Definition: Regularly and consistently.
   • IELTS TUTOR xét ví dụ: He routinely invested a portion of his income in a diverse portfolio.

7. Cautiously:

   • Definition: Carefully and with awareness of potential risks.
   • IELTS TUTOR xét ví dụ: Investors should approach new opportunities cautiously to avoid unnecessary losses.

8. Consistently:

   • Definition: In a steady and unchanging manner over time.
   • IELTS TUTOR xét ví dụ: By consistently saving a percentage of his salary, he was able to build a stable financial foundation.

9. Astutely:

   • Definition: With shrewdness or keen perception, making wise financial decisions.
   • IELTS TUTOR xét ví dụ: The investor astutely identified undervalued stocks and profited from strategic investments.

IELTS TUTOR lưu ý:

• Tight budget: chi phí eo hẹp
  • IELTS TUTOR xét ví dụ: The cost of living has increased for families on a tight budget. – Chi phí trang trải cuộc sống đã được tăng lên cho các gia đình có chi phí eo hẹp.

• Monetary (n) /ˈmɑːnɪteri/: liên quan đến tiền tệ
  • IELTS TUTOR xét ví dụ: They betrayed their friends for monetary gain. – Họ phản bội bạn bè của họ để kiếm lợi.
• Broke = skint = pennyless = destitute = poor (adj): phá sản/hết tiền/nghèo
  • IELTS TUTOR xét ví dụ: Many small businesses went broke during the recession. – Nhiều doanh nghiệp nhỏ đã bị phá sản trong suy thoái kinh tế.
• Be strapped for cash = a bit short of = needed cash and had very little
  • IELTS TUTOR xét ví dụ:  I’m strapped for cash at the moment. – Hiện tại tôi đang kẹt tiền.
• Savings = belt-tightening (n): tiết kiệm, thắt lưng buộc bụng
• Pocket money: tiền tiêu vặt
• Financial goals: mục tiêu về mặt tài chính
• Piggy bank: ống heo
• Lump sum = a single large payment
• Ridiculous price: giá (cao) bất hợp lý
• Steady income: thu nhập ổn định
• A fortune /ˈfɔːrtʃən/ – cost/make a fortune: một số tiền lớn/ gia tài – tốn cả gia tài/ làm ra nhiều tiền
  • IELTS TUTOR xét ví dụ:  You can make a fortune out of junk if you call it antiques. – Bạn có thể kiếm được cả gia tài từ đống phế liệu đó nếu bạn gọi nó là đồ cổ.
• Be worse = be poorer, unhappier >< be better off: nghèo khổ hơn >< khá khẩm hơn
• Owe (v): nợ
• Expensive = not come cheap = costly = high-priced = pricey = high-cost = extravagant = exorbitant = đắt tiền
• Cheap = inexpensive = low-priced = low-cost = economical = bargain = reasonably priced = rock-bottom = rẻ
• Lend/borrow some money (v): cho mượn / đi mượn tiền
• Earn/have/receive/generate/ provide lucrative income (v): nhận lương cao
• Lucrative = well-off = loaded = wealthy = affluent = prosperous = rich (adj)
• Financial disciplines/difficulties: nguyên tắc, kỷ luật/ khó khan về tài chính.
• Inflation (n) = sự lạm phát
• Donate money (to): quyên góp tiền cho ai đó
• Make a withdrawal (v): rút tiền (từ ngân hàng hoặc ATM)
• Fork/pay sth out (on sth) (phrasal verb) = spend a lot of money on sth, usually money you don’t want to spend
• Pay sth off = finish paying money that is owed for sth
• Pay one’s (own) way (phrasal verb) = pay for everything yourself without relying on others
• Balance the expense (v): cân bằng chi tiêu
  • IELTS TUTOR xét ví dụ:  Balancing the expense is struggling, especially for the young due to the existence of various types of entertainment such as shopping, going to the cinemas and travelling. – Việc cân bằng chi tiêu khá khó khăn, đặc biệt là cho giới trẻ vì sự có mặt của rất nhiều loại hình giải trí như mua sắm, xem phim và đi du lịch.

• 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.
• I don’t carry cash anymore, and I have a small leather card holder which I keep my bank card in
• Keep it in my pocket
• Handle my wallet to the main office 
• I was stressed about it 
• Well, I find that saving money is difficult for me as I tend to overspend on clothes or food, especially on payday.
• Whenever I have a financial decision, I have to be extremely careful so that I can make a smart investment
• 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.
• children 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.

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