The document provides vocabulary related to discussing money and business in English. It includes numbers, financial adjectives and expressions, collocations involving money, idioms related to personal finance, phrasal verbs involving money, and vocabulary for discussing businesses. Students are provided examples and prompts to practice using these terms in conversations about personal finances, business operations, and money management.

1. MONEY TALKS
Money and Business
B2. Isabel Bastida & Ana Mena

3. How do you say these numbers in English?
STUDENT A STUDENT B
3,700,012
1,500
0.02
2/3
-10°
1 ¾
13,983,826
1/5
3.14159
40.6%
3,500
8x2= 16

4. In pairs. Put together the adjectives
and expressions below which have a similar
meaning
Affluent Broke Cheap In the red Hard up Stingy
Penniless Tight-fisted Bountiful Wasteful Well-off
Free-handed Indebted Well-heeled Money-grubber In the black
How would you describe the following people using the adjectives
and expressions above?
A typical student A business tycoon A refugee
An extravagant celebrity A philanthropist A supermarket cashier

5. COLLOCATIONS
In pairs. Complete the sentences with words from the box
allocate earn launder squander win raise
withdraw owe inherit give away
1. The government has decided to ....... 1 billion on for improving the country’s
education system.
2. Carlo used his restaurant to .......stolen money.
3. He ......all his savings on parties and holidays.
4. I should ......much money for all the hard work I do.
5. I need to find a cash machine to .......some money.
6. Mary .....Tomas a lot of money.
7. Peter is so lucky! He..... money every time he places a bet at the race track.
8. The founder of Facebook decided to ....... 90% of his fortune to
make this world a better place for his daughter.
9. A million dollars .......during the auction.
10. Julia’s grandfather has passed away. She .....all his money and
properties.

6. What words from the box match groups 1-8?
account – currency – loan – money – overdraft –
debt – cash – credit
1. Withdraw money from my …/ deposit money in my …
2. Be short of …/ pay in …/ a … point/ ... flow problems
3. Be refused …/ have a bad … rating / offer …/ buy on …
4. Strengthen the …/ the … collapsed/ a stable …
5. Run out of …/ be good with …/ … laundering/ make good …
6. … shark/ apply for a …/ pay off my …/ a student …
7. Go into …/ an … facility/ apply for an …/ my … limit.
8. Run up huge ...s/ write the ....off/ get into ..../ be in ....

7. IDIOMS
A B C D
1. They’re struggling. They’ve
been in the red for months.
2. She can’t make ends meet. 3. He’s really tight-fisted. 4. Money doesn’t grow on
trees.
E F G H
5. The divorce cost her an
arm and a leg.
6. It was daylight robbery!
£32 for a piece of Stilton.
7. We’ll have to tighten our
belts to send him to Oxford.
8. $22,000 for a birthday!
He’s living beyond his means.
1. Match the photo and the idiom. Explain its meaning.

8. PHRASAL VERBS
A B C D
1. They can’t believe they
just paid off the mortgage.
2. She just splashed out on a
brand new sports car.
3. I doubt if I’ll get by on
£500/month at McDonalds.
4. He didn’t need to be bailed
out. What a shame!
E F G H
5. The girls put aside their
pocket money to buy sweets.
6. We are barely scraping by
on my salary.
7. I had to dip into my
savings to have the roof
repaired.
8. Can you lend me 200 quid
to tide me over till 30th May?
1. Match the photo and the phrasal verb. Explain its meaning.

9. In pairs. Discuss these questions
1. Do you consider yourself free-handed, or all the opposite?
2. Can you think of a product you bought and was a total rip-
off or a real bargain?
3. Have you ever inherited any money or properties?
4. Are you setting aside money for any future plan?
5. Can you think of anyone who is made of money?
6. Think of the most expensive item you have. How much did
you shell out to buy it?
7. Why might a company have cash flow problems?
8. If a person is good or bad with money, what kind of things
do they do?
9. What problems may you have if you borrow money from a
loan shark?

10. Discuss these questions
• Do you know anyone who runs their own
business? How big is it? How is it doing
at the moment?
• Do you like the idea of running your own
business? Why (not)?
• How good at business would you be?
Consider the following:
raising funds, taking risks,
hiring and firing, long working hours,
leadership

11. ACTIVITIES
Competition – set up – loss – profit – ploughed - broke even – raised –
floated – bid - turnover
Complete the story with the words in the box.
About ten years ago, my brother and I decided we’d had enough of working
for other people and that it was time to __________________ (1) our own
company. We had some savings and with the help of the bank, we
__________________ (2) the rest of the capital we needed.
For a few years, we ran at a __________________ (3), but eventually we
__________________ (4) and before too long we were making a healthy
__________________ (5). We __________________ (6) all the money back
into the business and expanded quite quickly. Next, we
__________________ (7) the company on the stock exchange, but then the
economy went into recession and we started facing some very stiff
__________________ (8). We were the subject of a hostile takeover
__________________ (9) and only survived by merging with a rival firm. It’s
been tough ten years, but we’re still here! We now have an annual
__________________ (10) of over three million dollars.

12. Area – business – company – market – order – product – sales – stock
1)The target …/ exploit a gap in the …./ break into the American …/
2)it’s a niche …/ the …’s saturated/ the … is worth €2 billion/ do a lot of …
research.
3)Be in …/ be out of …/ check … levels/ buy new …
4)Fulfil …s/ be flooded with …s/ keep up with new …s/ chase up an …/ receive a
big …
5)Boost …/ … have shot up/ … have plunged/ add to our … team/ improve …
and marketing
6)Develop a … line/ launch the …/ a revolutionary new …/ the … is aimed at
teenagers/ a large range of …s/ market the…
7)Branch out into other …s/ it’s a specialist …/ it’s a growth …/ it’s an … of
concern/ the … manager
8)Expand the …/ build up the …/ plough money back into the …/ put them out of
…/ it’s a risky …
9)Set up the …/ head of the …/ take over the …/ float the … on the stock
exchange/ have a controlling stake in the …
What words from the box match sentences 1-8?