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

These are all words for money in the form of coins or paper notes. 以上各词均表示金钱，包括硬币和钞票。

• money money in the form of coins or paper notes 指金钱，包括硬币和钞票：◆I counted the money carefully. 我仔细点过这笔钱。◆Where can I change my money into dollars? 什么地方能把我的钱兑换成美元？◆ paper money (= money that is made of paper, not coins) 纸币
• cash money in the form of coins or paper notes 指现金：◆How much cash do you have on you? 你身上带着多少现金？◆Payments can be made by cheque or in cash. 支票或现金付款均可。

money or cash? 用 money 还是 cash？

If it is important to contrast money in the form of coins and notes and money in other forms, use cash. 强调现金而非其他形式的货币时用 cash：◆How much money/cash do you have on you? 你身上带着多少现金？◆Payments can be made by cheque or in money.◆Customers are offered a discount if they pay money.

• change the money that you get back when you have paid for sth giving more money than the amount it costs; coins rather than paper money 指找给的零钱、硬币：◆The ticket machine doesn't give change. 自动售票机不找零。◆I don't have any small change (= coins of low value). 我没有零钱。

Patterns

• to draw out/get out/take out/withdraw money/cash
• ready money/cash (= money that you have available to spend immediately)