These are all words for an amount of money that you pay or are expected to pay, or for the act of paying. 以上各词均指款额、款项、付款。

• payment an amount of money that you pay or are expected to pay; the act of paying 指款额、款项、付款：◆ten monthly payments of $50 每月付款 50 美元，十次付清◆payment in advance 预先付款
• premium an amount of money that you pay once or regularly for an insurance policy; an extra payment added to the basic rate; a higher amount of money than usual 指保险费、额外费用、附加费、溢价：◆an insurance premium 保险费◆a premium for express delivery 快递附加费
• contribution a sum of money that you pay regularly to your employer or the government in order to pay for benefits such as health insurance, a pension, etc. 指（给雇主或政府用作医疗保险、养老金等福利的）定期缴款：◆You can increase your monthly contributions to the pension plan. 你可以增加你的养老金计划每月供款。
• subscription an amount of money you pay in advance to receive regular copies of a newspaper or magazine or to receive a service 指（报刊、杂志的）订阅费、订购款，（服务的）用户费：◆a subscription to 'Newsweek' 《新闻周刊》的订阅费
• repayment (BrE) an amount of money that you pay regularly to a bank, etc. until you have returned all the money that you owe; the act of paying this money 指按期偿还的款项、分期偿还额、偿还债务、归还借款：◆the repayments on the loan 贷款的分期偿还额
• deposit an amount of money that you pay as the first part of a larger payment 指订金：◆We've put down a 5% deposit on the house. 我们已支付了房款的 5% 作为订金。
• instalment one of a number of payments that you make regularly over a period of time until you have paid for sth 指分期付款的一期付款：◆We paid for the car by/in instalments. 我们以分期付款买了这辆车。

Patterns

• (a/an) annual/monthly/regular payment/premium/contributions/subscription/repayment/deposit/instalment
• payment/repayment in full
• to pay a(n) premium/contribution/subscription/deposit/instalment
• to make a payment/repayment/deposit
• to meet/keep up (with) (the) payment(s)/the premiums/(the) repayment(s)/the instalments

Income 收入

• earn money/cash/ (informal) a fortune 挣钱；挣一大笔钱
• make money/a fortune/ (informal) a killing on the stock market 在股市上赚钱/赚一大笔钱/发大财
• acquire/inherit/amass wealth/a fortune 获得/继承/积累财富/一大笔钱
• build up funds/savings 积累资金/存款
• get/receive/leave (sb) an inheritance/a legacy 得到/（给某人）留下遗产
• live on a low wage/a fixed income/a pension 靠低微的工资/固定收入/养老金过活
• get/receive/draw/collect a pension 领取养老金
• depend/be dependent on (BrE) benefits/ (NAmE) welfare/social security 靠福利金/社会保障金过活

Expenditure 开支；支出

• spend money/your savings/ (informal) a fortune on… 把钱/存款/一大笔钱花在…上
• invest/put your savings in… 投资/把储蓄金用于…
• throw away/waste/ (informal) shell out money on… 把钱浪费/花费巨资在…上
• lose your money/inheritance/pension 失去钱财/遗产/养老金
• use up/ (informal) wipe out all your savings 把储蓄用光
• pay (in) cash 用现金支付
• use/pay by a credit/debit card 用信用卡/借记卡支付
• pay by/make out a/write sb a/accept a (BrE) cheque/ (US) check 用支票支付；开支票；给某人开支票；接受支票
• change/exchange money/currency/ (BrE) traveller's cheques/ (US) traveler's checks 兑换钱/货币/旅行支票
• give/pay/leave (sb) a deposit 预付（某人）订金

Banks 银行

• have/hold/open/close/freeze a bank account/an account 持有/开立/注销/冻结银行账户
• credit/debit/pay sth into/take money out of your account 记入账户的贷方/借方；把钱存入账户/从账户中取出
• deposit money/funds in your account 往账户里存钱/存入资金
• withdraw money/cash/£30 from an ATM, etc. 从自动提款机等取钱/现金/30 英镑
• (formal) make a deposit/withdrawal 存款；取款
• find/go to/use (especially NAmE) an ATM/ (BrE) a cash machine/dispenser 找到/去/使用自动提款机
• be in credit/in debit/in the black/in the red/overdrawn 账面有钱/亏空；有盈余；透支

Personal finance 个人理财

• manage/handle/plan/run/ (especially BrE) sort out your finances 管理/处理/计划/经营管理/整顿财务问题
• plan/manage/work out/stick to a budget 计划/管理/制订/严格执行预算
• offer/extend credit (to sb) （给某人）提供贷款
• arrange/take out a loan/an overdraft 商定/获得贷款/透支额
• pay back/repay money/a loan/a debt 偿还钱/贷款/债务
• pay for sth in (especially BrE) instalments/ (NAmE usually) installments 以分期付款方式购买某物

Financial difficulties 财务困难

• get into debt/financial difficulties 陷入债务/财务困难
• be short of/ (informal) be strapped for cash 缺钱
• run out of/owe money 钱用光了；欠钱
• face/get/ (informal) be landed with a bill for £… 面对/收到一张…英镑的账单
• can't afford the cost of…/payments/rent 承担不起…的费用/款项/房租
• fall behind with/ (especially NAmE) fall behind on the mortgage/repayments/rent 拖欠按揭贷款/分期偿还款项/房租
• incur/run up/accumulate debts 带来/积欠/累积债务
• tackle/reduce/settle your debts 处理/减少/付清债务