Welcome to this lesson on talking about money. In this lesson I'm going to look at some ways that you can talk about your level of wealth, how to talk about money when you go out to a restaurant with your friends or just how to talk about your own spending habits or vocab for someone who doesn't like spending money specifically.
Level of Wealth
Let's start by talking about your level of wealth. This means how much money you actually have. Here are some ways to talk about:
Poor
Being poor means you are broke or you have zero dollars in your bank account or zero yen or whatever currency you are using.
Broke
You can tell your friends "I'm broke" meaning I have no money I have $0 or 0 yen whatever it is.
Living check to check
A person who is living check to check you can also say living paycheck-to-paycheck is someone who might be renting in apartments or maybe they have a mortgage on a house but they can't really save money because they need the money that they have from their job to pay for their rent and to pay for the basics of life the necessities of life such as food, gas, and electricity and rent. If you are living paycheck to paycheck this means you are living from week to week or every two weeks you can get paid every two weeks. Sometimes you can't wait for pay day and maybe you're not able to save a lot of money.
Rich
If you are rich this means you have a lot of money.
Loaded
There is one slang term that you can use to talk about a person who is rich is "loaded". We can think that loaded as full. If someone's pockets are full of money they are loaded with money. You can talk about people like Bill Gates being loaded. He has a lot of money.
Well-off
If someone is well-off this means they don't struggle financially. They have a good life and are financially secure they don't have to worry about where their next check is coming from. They don't live check to check they are well-off so you can say "my cousin is really well off. he doesn't have to worry about money maybe he doesn't even have to worry about working or missing a month of work".
Spending Habits
Let's talk about spending habits.
Cheap
Specifically, people who don't like to spend money. The most common word for this type of person who doesn't like to spend money and hold on to it is cheap. Cheap has a negative connotation. When you go out with your friends and you always forget your wallet because you don't want to pay for your meal. "I'm sorry I forgot my wallet, it makes your friends pay you. So, in this case you are a cheap person
Frugal
If you want to talk about someone who is financially responsible and being cheap in a positive way you can use the word frugal. Frugal means you don't spend a lot you don't need like the newest phone, the newest clothes, the newest shoes, you just need the basics. Cheap negative connotation and frugal positive or neutral connotation.
Penny pincher
A penny is one cent. Imagine someone gripping or holding a penny very tightly like they're pinching the penny. A penny pincher has a negative meaning or just like cheap. If I say "my aunt is a real penny pincher" it means she doesn't want to take the money out of her purse.
Going Out
Split the bill
When you go out to a restaurant, you can split the bill with your friends. For example, you pay for half and your friend pays for a half of your meal. If you go to any type of restaurant this is called splitting the bill. To split is to divide equally maybe in two three four. In most places like in North America a lot of places will always give you individual bills or individual receipts but it's still possible sometimes to split the bill for a meal with someone. It means you pay your side or your share and I will pay my share or my side of the bill.
Pay for someone
If you are a nice person and you want to pay for your friend or pay for your group of friends when you're going out you can say a lot of different phrases a lot of different sentences such as:
- I'll cover you.
If you cover someone this means you will pay for them. You cover cover the money that they have to pay maybe to go to a movie theater or maybe if you are going to a theme park with roller coasters.
- I'll get it
You can also say "I'll get it". That is a wonderful expression. We use it in so many different contexts you can use it to talk about paying for somebody. You can say: "Don't worry, I'll get it" means I'll pay for the coffee Or you can only say "I got it".
On me this means again "I will pay you do not have to pay the bill, it's on me" Whatever it is lunch, coffee, or anything.
-My treat
You can say "it's my treat" or "just don't worry, my treat, I will pay, it's my gift to you, you don't have to pay. I am inviting you and I will pay".
Using the ATM
Now, let's look at what I have here so using the ATM.The ATM is the machine that you use to put money in or to get money out. So let's look at some nouns and verbs that you can use to put money in or to take money.
Need to make withdrawal
I need to make a withdrawal or I need to withdraw some money. A withdrawal is a noun. You make a withdrawal or you can just use the verb withdraw both of these sentences mean that you need to take money out from your bank account because you want to have cash in your wallet. You can say I need to withdraw $40 or I need to withdraw $20. It means I need to take money out of my account.
Need to make a deposit
If you want to make a deposit maybe it was your birthday and your aunt gave you $100 or someone gave you money and you want to put that money in the bank. So, you need to deposit that money or you can make a deposit or you're putting money in to the bank.
Currency Vocab
Let's look at some currency vocabulary. This will include some slang expressions for money that maybe you have already heard in television shows and films and some very common vocabulary that you use to talk about coins.
Bucks
You might have heard the word bucks in a lot of movies and TV shows. Bucks is slang for dollars. You can say 10 bucks, 20 bucks, a hundred bucks, 50 bucks this all means $10, $20, $100, $50.
Grand
A grand refers to $1,000. You can say: "my car cost 30 grand or 20 grand ". This means the price is thirty thousand dollars or twenty thousand dollars. Grand always means 1,000.
Coins
Let's look at some vocabulary that you can use to talk about different coins.
- a quarter = 25 cents / $0.25
- a dime = 10 cents / $0.10
- a nickel = 5 cents / $0.05
- a penny = 1 cent / $0.01
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