Cash - наличные / қолма-қол ақша
Definition (EN): Money in the form of coins or banknotes.
Part of speech: noun (uncountable)
Sentences:

1. I paid in cash.

2. Do you have any cash with you?

3. Cash is accepted here.
   Simple IELTS Explanation:
   Cash → money in your hand
   Cash = COINS + NOTES

Cheque - чек
Definition (EN): A written document that tells a bank to pay money from your account.
Part of speech: noun
Sentences:

1. He paid by cheque.

2. Please write a cheque for $50.

3. Cheques are less common now.
   Simple IELTS Explanation:
   Cheque → paper payment
   Cheque = BANK PAYS FOR YOU

In advance - заранее / алдын ала
Definition (EN): Before a particular time or event.
Part of speech: adverbial phrase
Sentences:

1. You must pay in advance.

2. Book your ticket in advance.

3. Let us know in advance.
   Simple IELTS Explanation:
   In advance → before
   In advance = EARLIER

Annual fee - ежегодный взнос / жылдық төлем
Definition (EN): A payment you make once a year for a service (often a bank card).
Part of speech: noun
Sentences:

1. This card has an annual fee.

2. The annual fee is 20 dollars.

3. I prefer a card with no annual fee.
   Simple IELTS Explanation:
   Annual fee → pay every year
   Annual = ONCE A YEAR

Monthly membership - ежемесячная подписка / ай сайынғы мүшелік төлем
Definition (EN): A payment you make every month to use a service.
Part of speech: noun phrase
Sentences:

1. I pay a monthly membership at the gym.

2. Monthly membership is cheaper than daily tickets.

3. You can cancel your monthly membership anytime.
   Simple IELTS Explanation:
   Monthly membership → pay every month
   Monthly = EVERY MONTH

Interest rate - процентная ставка / пайыздық мөлшерлеме
Definition (EN): The percentage you pay (or earn) on money over time.
Part of speech: noun
Sentences:

1. The interest rate is very high.

2. A lower interest rate means cheaper loans.

3. Savings accounts have interest rates too.
   Simple IELTS Explanation:
   Interest rate → percent you pay/earn
   High rate = MORE MONEY TO PAY

Deposit - депозит (also: взнос / салым)
Definition (EN): Money you put into an account or pay first to secure something.
Part of speech: noun / verb
Sentences:

1. I made a deposit for the apartment.

2. You need to pay a deposit first.

3. I deposited the money yesterday.
   Simple IELTS Explanation:
   Deposit → money you put in
   Deposit = PAY FIRST / SAVE IN BANK

Tuition fees - плата за обучение / оқу ақысы
Definition (EN): Money paid for studying at a school, college, or university.
Part of speech: plural noun
Sentences:

1. Tuition fees are expensive.

2. She pays tuition fees every semester.

3. Some students can’t afford tuition fees.
   Simple IELTS Explanation:
   Tuition fees → pay to study
   Tuition = EDUCATION MONEY

Bank statement - банковская выписка / банк көшірмесі
Definition (EN): A document that shows your account balance and transactions.
Part of speech: noun
Sentences:

1. I printed my bank statement.

2. The bank statement shows all payments.

3. Please bring a bank statement to the office.
   Simple IELTS Explanation:
   Bank statement → your money history
   Statement = LIST OF TRANSACTIONS

Current account - текущий счёт / ағымдағы шот
Definition (EN): A bank account used for everyday spending and receiving money.
Part of speech: noun
Sentences:

1. My salary goes into my current account.

2. I use my current account for daily payments.

3. I opened a current account yesterday.
   Simple IELTS Explanation:
   Current account → everyday account
   Current = DAILY MONEY

Student account - студенческий счёт / студенттік шот
Definition (EN): A bank account made especially for students, often with benefits.
Part of speech: noun
Sentences:

1. I opened a student account at the bank.

2. Student accounts often have no fees.

3. This student account comes with a card.
   Simple IELTS Explanation:
   Student account → account for students
   Student = DISCOUNTS / LOW FEES

Withdraw - снимать деньги / ақша шешу
Definition (EN): To take money out of a bank account (often from an ATM).
Part of speech: verb
Sentences:

1. I withdrew cash from an ATM.

2. You can withdraw up to $200 a day.

3. She forgot to withdraw money.
   Simple IELTS Explanation:
   Withdraw → take money out
   Withdraw = GET CASH

Mortgage - ипотека
Definition (EN): A long-term loan used to buy a house or property.
Part of speech: noun
Sentences:

1. They got a mortgage to buy a house.

2. Mortgage payments are monthly.

3. He can’t afford the mortgage.
   Simple IELTS Explanation:
   Mortgage → home loan
   Mortgage = LOAN FOR A HOUSE

Poverty - бедность / кедейлік
Definition (EN): The condition of having very little money.
Part of speech: noun
Sentences:

1. Many people live in poverty.

2. Poverty affects education.
   Simple IELTS Explanation:
   Poverty → no money
   Poverty = VERY POOR

Money management - управление деньгами / қаржыны басқару
Definition (EN): The way you control and plan your spending and saving.
Part of speech: noun phrase
Sentences:

1. Money management is important.

2. Good money management saves you stress.
   Simple IELTS Explanation:
   Money management → control money
   Management = PLAN MONEY

Low-risk investment - инвестиция с низким риском / төмен тәуекелді инвестиция
Definition (EN): An investment that is unlikely to lose money.
Part of speech: noun phrase
Sentences:

1. This is a low-risk investment.

2. Low-risk investments are safer.
   Simple IELTS Explanation:
   Low-risk → safe
   Low risk = SAFE MONEY

Grace period - льготный период / жеңілдік мерзімі
Definition (EN): Extra time to pay without penalty.
Part of speech: noun
Sentences:

1. There is a 10-day grace period.

2. You can pay during the grace period.
   Simple IELTS Explanation:
   Grace period → extra time
   Grace = NO PENALTY

Budget deficit - дефицит бюджета / бюджет тапшылығы
Definition (EN): When spending is more than income.
Part of speech: noun
Sentences:

1. The country has a budget deficit.

2. Budget deficit causes problems.
   Simple IELTS Explanation:
   Deficit → not enough money
   Deficit = SPEND MORE THAN HAVE

Retail voucher - подарочный сертификат / сауда ваучері
Definition (EN): A paper or digital card used instead of money in shops.
Part of speech: noun
Sentences:

1. She received a retail voucher.

2. I paid with a voucher.
   Simple IELTS Explanation:
   Voucher → shop paper money
   Voucher = NOT CASH

Coupon - купон
Definition (EN): A paper or code that gives a discount.
Part of speech: noun
Sentences:

1. I used a coupon.

2. Coupons save money.
   Simple IELTS Explanation:
   Coupon → discount paper
   Coupon = PAY LESS

Counterfeit money - фальшивые деньги / жалған ақша
Definition (EN): Fake money that is not legal.
Part of speech: noun phrase
Sentences:

1. He used counterfeit money.

2. Counterfeit money is illegal.
   Simple IELTS Explanation:
   Counterfeit → fake
   Fake money = CRIME

Public money - государственные деньги / қоғамдық ақша
Definition (EN): Money collected and used by the government.
Part of speech: noun phrase
Sentences:

1. Public money must be protected.

2. Schools use public money.
   Simple IELTS Explanation:
   Public money → government money
   Public = FOR ALL PEOPLE

Taxpayers’ money - деньги налогоплательщиков
Definition (EN): Money paid by people as taxes.
Part of speech: noun phrase
Sentences:

1. This project uses taxpayers’ money.

2. Taxpayers’ money must be spent wisely.
   Simple IELTS Explanation:
   Taxpayers’ money → people’s tax money
   Tax = PAY TO GOVERNMENT

Debt - долг
Definition (EN): Money that you must pay back.
Part of speech: noun
Sentences:

1. He is in debt.

2. She paid her debt.
   Simple IELTS Explanation:
   Debt → money you owe
   Debt = MUST PAY BACK

Interest-free credit беспроцентный кредит
Definition (EN): Credit without extra payment for interest.
Part of speech: noun phrase
Sentences:

1. They offer interest-free credit.

2. I bought it on interest-free credit.
   Simple IELTS Explanation:
   Interest-free → no extra money
   Free = NO INTEREST

Purchase - покупка
Definition (EN): Something you buy.
Part of speech: noun / verb
Sentences:

1. This was a good purchase.

2. I purchased a phone.
   Simple IELTS Explanation:
   Purchase → buy
   Purchase = BUY

Partial refund - частичный возврат
Definition (EN): When you get only part of your money back.
Part of speech: noun phrase
Sentences:

1. I got a partial refund.

2. They offered a partial refund.
   Simple IELTS Explanation:
   Partial → not full
   Partial refund = SOME MONEY BACK

Annuity - аннуитет
Definition (EN): Regular fixed payments over time.
Part of speech: noun
Sentences:

1. He receives an annuity.

2. Annuity is paid monthly.
   Simple IELTS Explanation:
   Annuity → fixed regular money
   Annuity = SAME PAYMENT

Non-refundable - невозвратный
Definition (EN): Money that cannot be returned.
Part of speech: adjective
Sentences:

1. The ticket is non-refundable.

2. This payment is non-refundable.
   Simple IELTS Explanation:
   Non-refundable → no return
   Non-refundable = NO MONEY BACK

MasterCard / VISA - MasterCard / VISA
Definition (EN): International payment card systems.
Part of speech: proper nouns
Sentences:

1. I paid by Visa.

2. MasterCard is accepted here.
   Simple IELTS Explanation:
   Visa/MasterCard → card brands
   Brands = PAYMENT SYSTEMS

Distribution costs - расходы на распределение
Definition (EN): Money spent to deliver products.
Part of speech: plural noun
Sentences:

1. Distribution costs are high.

2. They reduced distribution costs.
   Simple IELTS Explanation:
   Distribution → delivery
   Costs = DELIVERY MONEY

Income - доход
Definition (EN): Money you receive from work or business.
Part of speech: noun
Sentences:

1. My income is stable.

2. She has a high income.
   Simple IELTS Explanation:
   Income → money you get
   Income = EARN MONEY

Finance department - финансовый отдел
Definition (EN): A part of a company that controls money.
Part of speech: noun phrase
Sentences:

1. The finance department approved it.

2. Ask the finance department.
   Simple IELTS Explanation:
   Finance department → company money team
   Finance = COMPANY MONEY

Family finances - семейный бюджет
Definition (EN): Money situation of a family.
Part of speech: noun phrase
Sentences:

1. Family finances are important.

2. They plan their family finances.
   Simple IELTS Explanation:
   Family finances → family money
   Family = HOME MONEY

Duty-free store - duty-free магазин
Definition (EN): A shop where you don’t pay tax.
Part of speech: noun phrase
Sentences:

1. I bought perfume in a duty-free store.

2. Duty-free stores are at airports.
   Simple IELTS Explanation:
   Duty-free → no tax
   Duty-free = CHEAPER SHOP