words
credit card cash loan borrow cheque/check banknote/bill coin cashless society tax(rate) pension fare purchase interest in the black in the red account (bank)statement receipt currency exchange rate invest(ment) bargin refund salary wage fee pocket money bonus
phrases
make money
make a fortune
win a bet
earn… a month
pay well
get a rise
pay by credit card
pay in cash
save money
waste money
change money
inherit money

beginner
a: are you ready to go to the bank?
B: sure, what do you need to do there?
A: there’s problem with my bank statement. There’s a mistake on it. I also need to withdraw some money form the ATM.
B: I have to exchange some money.
A: that’s right. You’re going away next week.
B; I also want to see if my salary has been paid into my bank account. There was a problem last week.
A; I have to pay my credit bill too. If I don’t pay it soon, the credit card company will charge me interest.
B: their interest rates are usually quite high. It’s a good idea to pay off your credit card debts before they attract interest.

Intermediate
A; I heard that janet has got a new job. She’s working for the united investment group. I hear that they pay very well.
B; I heard that too. She must be making a pocket. Well, good for her.
A; now, she’ll be able to save up for that holiday in the united states.
B; yes, she will. At the moment, the exchange rate is very favorable, so she should try to go as soon as possible, while it’s cheaper.
A: you’re right. By the way, did you hear that tom inherited some money recently?
B; really? I thought his parents had died several years ago.
A; they did. He inherited the money form an uncle. I hope he doesn’t lose a lot of it in taxed to the government.
B; dying can be very expensive nowadays! What’s he going to do with it?
A; he said that he would probably invest most of it. He’s got a well-paid job, so he doesn’t need the money to cover day-to day expenses. He just wants some extra money available for when he retires.
B: I had some good financial news yesterday too.
A; really? Have you won a fortune in the lottery?
B: no, but I got a pay rise of 5% and a hours for all the hard work I’ve put in recently. I think it was very nice for my boss to show his appreciation in that way.
A; It certainly was! So, what are you going to do with your windfall?