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Money and Finance

From Deposits to Dollars: Essential Language for Building Real-World Confidence in Money Matters

One of the most empowering things we can teach students is how to talk about money. Money and finance vocabulary equips students with the language they need to understand, manage, and discuss everyday financial matters, an essential life skill in any country.

This topic is immediately relevant for students navigating real-world systems. Words like income, expense, balance, and account help learners talk about their personal finances, manage their bank accounts, and understand everyday transactions. These are terms students will see on forms, bank apps, and receipts, making them highly functional and immediately useful.

Going deeper, this pack introduces vocabulary for long-term financial planning and responsibility. Terms such as financial plan, nest egg, mortgage, and credit give students the tools to talk about saving, borrowing, and investing for the future. These words are especially important for learners who are supporting families, building a business, or working toward major life goals.

It also includes foundational banking and transaction terms like deposit, withdrawal, checking account, and statement. Teaching these words gives students the confidence to communicate clearly at banks, manage digital tools, and avoid misunderstandings in financial settings.

Business and workplace-focused learners will benefit from vocabulary like revenue, surplus, loss, capital allocation, and lending rate, terms that appear in business reports, job training materials, and news articles.

And words like obligation, advance, and dollar help bridge gaps between everyday purchases and broader financial responsibility, supporting both language development and life planning.

Now is the perfect time to add the “Money and Finance” pack. This pack doesn’t just teach words; it teaches independence, preparedness, and self-assurance. Bring it into your classroom and help your students take control of their money and their futures with English.

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PackVocabTypeDefinitionUsageImage
71MoneyNounWhat people use to buy things.He saved money to buy a toy.
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71DollarNounThe main money used in the U.S. and some other countries.The apple costs one dollar.
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71WalletNounA small case to carry money and cards.He put his money in his wallet.
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71EuroNounMoney used in many European countries.The hotel room costs 100 euros.
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71Proof of paymentNounA record that shows you paid for something.Keep your proof of payment for refunds.
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71PaymentNounMoney given for something or as a salary.He received his first payment on Friday.
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71InvoiceNounA bill that shows what you must pay.The company sent an invoice for services.
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71BitcoinNounA well-known type of cryptocurrency.She invested in Bitcoin early.
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71Exchange RateNounThe value of one currency compared to another.The exchange rate changes every day.
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71Interest-FreeAdjectiveA loan or plan with no extra cost added.She bought the sofa with an interest-free plan.
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71CryptocurrencyNounDigital money not controlled by banks.He bought things using cryptocurrency.
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71Digital WalletNounAn app that stores money and card details.She used her digital wallet to pay online.
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71Mobile PaymentNounPaying with a phone or tablet.She made a mobile payment at the store.
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71Currency ExchangeNounA place where you can swap money from one currency to another.They used a currency exchange before traveling.
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72AccountNounAn agreement with a bank to keep and manage money.She opened a new bank account.
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72ATMNounA machine where people can withdraw cash using a bank card.She took out money from the ATM.
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72DepositNounMoney you put into a bank or pay before buying something.She made a deposit into her savings account.
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72Bank AccountNounA place to keep and manage your money at a bank.He opened a new bank account.
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72BalanceNounThe amount of money left in a bank account.His balance was enough to pay the bill.
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72StatementNounA document that shows your bank activity.The bank sent a statement for the last month.
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72AccountingNounRecording and managing money for a business.She works in accounting.
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72BookkeepingNounKeeping records of money earned and spent.Good bookkeeping helps a business run well.
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72Online BankingNounDoing bank activities on the internet.He checks his balance with online banking.
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72Savings AccountNounA bank account used to save money and earn interest.She added money to her savings account.
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72Checking AccountNounA bank account for everyday spending.He uses his checking account to pay bills.
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72AuditNounA formal check of a company’s money records.The business had an audit last year.
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72LedgerNounA book for recording money in and out.They entered all sales in the ledger.
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72OverdraftNounSpending more money than your account has.He paid a fee for the overdraft.
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72WithdrawalNounThe act of taking money out of a bank account.He made a withdrawal from the ATM.
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72Wire TransferNounSending money electronically to someone else.He used a wire transfer to send funds.
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72Direct DepositNounMoney paid straight into a bank account.Her wages go by direct deposit.
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72Financial PlanningNounMaking plans for saving and spending money.They got help with financial planning.
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73BonusNounExtra money given for good work.He got a bonus at the end of the year.
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73SalaryNounMoney paid regularly for work.Her salary is paid every month.
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73AdvanceNounMoney given before full payment is due.He got an advance to buy a car.
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73AllowanceNounMoney given regularly, often to children.He gets a weekly allowance for chores.
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73RetirementNounWhen someone stops working, usually because of age.She is saving for retirement.
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73ScholarshipNounMoney given to help pay for education.He earned a scholarship to attend university.
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73GrantNounMoney given for a special purpose, often by a government.He received a grant to study abroad.
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73PensionNounMoney you get regularly after you retire.He receives a pension every month.
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73AnnuityNounMoney paid regularly, often after retirement.He bought an annuity for steady income.
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73Nest eggNounMoney saved for the future.She puts part of her salary into a nest egg.
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73DividendNounMoney paid to shareholders from a company’s profits.She received a dividend for her shares.
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73CommissionNounMoney earned for each sale.She earns commission on every car she sells.
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73RemunerationNounMoney paid for work or a service.The job offers good remuneration.
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73EndowmentNounA donation that earns money for a purpose.The college received an endowment for research.
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74PropertyNounSomething you own, like a house or land.He owns property in the city.
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74FundNounMoney saved for a special reason.The school started a fund for books.
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74StockNounA share in a company or goods for sale.She bought stock in a tech company.
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74StakeNounThe part of a company you own.She has a 10% stake in the business.
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74CreditNounA way to buy now and pay later.She has good credit with the bank.
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74InvestmentNounMoney used to make more money.She made an investment in real estate.
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74AssetNounSomething valuable that a person or company owns.Her house is her biggest asset.
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74HedgeNounA way to reduce risk in investments.They hedged their investment with gold.
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74EquityNounThe value of what you own after subtracting what you owe.She has equity in her home.
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74CapitalNounMoney used to start or grow a business.The company raised capital to expand.
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74FuturesNounContracts to buy or sell something later.They trade futures to plan ahead.
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74PortfolioNounA collection of different investments.He has a balanced investment portfolio.
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74Trust fundNounMoney saved and managed for someone else.She set up a trust fund for her child.
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74Mutual FundNounA group investment that includes many assets.They put money in a mutual fund.
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74Real EstateNounLand or buildings that someone owns.They invested in real estate.
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74CommoditiesNounRaw goods like oil or wheat that are traded.Gold and coffee are common commodities.
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74Hedge FundNounA risky investment fund for high returns.Only rich investors use hedge funds.
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74DerivativesNounFinancial tools based on other assets.Derivatives are used to manage risk.
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74Debt securityNounA loan you give to a company or government and get paid back with interest.They invested in a debt security for stable income.
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74Capital allocationNounDeciding how to invest money.The company focuses on smart capital allocation.
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75TaxNounMoney paid to the government.He pays tax on his income.
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75ExpenseNounMoney spent on something.We tracked our monthly expenses.
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75CharityNounAn organization that helps people in need.She works at a local charity.
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75DonationNounMoney or items given to help others.The group depends on public donations.
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75InsuranceNounA service you pay for to protect against loss or damage.Car insurance helps if there’s an accident.
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75Financial planNounA plan for how to earn and spend money.They made a financial plan for the year.
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75ClaimNounA request for money from insurance.She made a claim after her car accident.
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75TariffNounA tax on imported or exported goods.The tariff raised the price of steel.
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75PremiumNounThe amount you pay for insurance.Her monthly premium is $80.
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75CustomsNounTax paid on goods brought into a country.They paid customs when entering the country.
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75SubsidyNounMoney from the government to lower costs.The farm gets a subsidy for crops.
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75MortgageNounA loan used to buy a house or other property.They got a mortgage to buy their home.
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75LiabilityNounMoney that a person or company owes.Loans are part of the company’s liabilities.
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75ObligationNounMoney or duty that must be paid.He has an obligation to repay his loan.
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75Loan SharkNounSomeone who lends money at very high interest.He borrowed from a loan shark.
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75Risk ManagementNounFinding and reducing possible financial problems.Good risk management helps avoid big losses.
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75VAT (Value-Added Tax)NounA tax added to the price of goods and services.The VAT on the item was 20%.
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258LossNounMoney lost in business.The company had a loss this quarter.
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258IncomeNounMoney a person gets from work or investment.His income increased this year.
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258WealthNounA large amount of money or valuable things.He built his wealth through saving and investing.
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258GrowthNounAn increase in the economy or business.Economic growth brings more jobs.
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258RevenueNounMoney a company earns.The store had good revenue this month.
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258SurplusNounExtra money after expenses are paid.We had a budget surplus this year.
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258Net WorthNounWhat you own minus what you owe.His net worth grew after selling his house.
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258LiquidityNounHow easily money or assets can be used.The business kept good liquidity for safety.
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258InflationNounRising prices over time.Inflation makes everything cost more.
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258DeflationNounFalling prices of goods and services.Deflation can lead to lower spending.
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258RecessionNounA period when the economy shrinks.The country went into a recession.
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258Lending rateNounThe interest you must pay on a loan.The lending rate for the loan was 5%.
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258CrowdfundingNounRaising small amounts of money from many people.They used crowdfunding to fund the film.
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258MicrofinanceNounSmall loans or banking services for low-income people.Microfinance helps small business owners.
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258Simple InterestNounInterest only added to the original amount.Simple interest is easy to calculate.
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258Compound InterestNounInterest added to both the money and past interest.Compound interest helps savings grow faster.
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258BlockchainNounA secure digital system for recording information.Blockchain is used for cryptocurrencies.
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