English Idioms for talking about money.

Master advanced English with these 10 idioms for talking about money.

If you’re learning English, idioms are a fantastic way to sound more natural and fluent, plus understanding these idioms is key to truly grasping the nuances of the English language.

Today, we’re looking at some common money-related idioms that will not only expand your vocabulary but also help you understand how native speakers talk about finances. Whether you’re chatting about budgeting, splurging, or the cost of living, these idioms are incredibly useful. Let’s take a closer look at their meanings and how to use them in real life.

1. To Throw Money Around

  • Meaning: To spend money carelessly or extravagantly, often on unnecessary things.

  • Example: She’s always throwing money around on designer clothes she doesn’t need.

  • When to Use It: This idiom is perfect for describing someone who spends money without much thought or consideration, often to show off.

2. To Cost an Arm and a Leg

  • Meaning: To be very expensive.

  • Example: That new smartphone costs an arm and a leg, but I really need it for work.

  • When to Use It: Use this idiom when talking about something that is overpriced or requires a significant financial sacrifice.

3. To Tighten One’s Belt

  • Meaning: To spend less money because you have less available or need to save.

  • Example: Since I lost my job, we’ve had to tighten our belts and cut back on eating out.

  • When to Use It: This idiom is great for conversations about budgeting or financial difficulties.

4. Money Doesn’t Grow on Trees

  • Meaning: A reminder that money is a limited resource and doesn’t come easily.

  • Example: You can’t just buy everything you want—money doesn’t grow on trees, you know.

  • When to Use It: This phrase is often used to teach children or anyone who might not fully appreciate the value of money.

5. To Put Your Money Where Your Mouth Is

  • Meaning: To back up your words with action, often by spending money to support what you believe in.

  • Example: If you really care about the environment, put your money where your mouth is and donate to a conservation charity.

  • When to Use It: This idiom is ideal for conversations about commitment and following through on promises.

6. To Live Beyond Your Means

  • Meaning: To spend more money than you can afford.

  • Example: They’ve been living beyond their means for years, and now they’re struggling to pay their debts.

  • When to Use It: Use this idiom when discussing poor financial management or overspending.

7. To Break the Bank

  • Meaning: To cost too much money or to spend all your money on something.

  • Example: I’d love to go on a luxury holiday, but it would completely break the bank.

  • When to Use It: This phrase is perfect for situations where something is unaffordable or excessively expensive.

8. To Make Ends Meet

  • Meaning: To have just enough money to cover your expenses.

  • Example: With rising rent prices, it’s getting harder for many families to make ends meet.

  • When to Use It: Use this idiom to talk about financial struggles or managing a tight budget.

9. To Save for a Rainy Day

  • Meaning: To set money aside for unexpected expenses or emergencies.

  • Example: I’ve been saving for a rainy day in case the car breaks down.

  • When to Use It: This is a positive phrase to encourage financial preparedness.

10. To Have Deep Pockets

  • Meaning: To be very wealthy.

  • Example: They always donate generously to charity; they have deep pockets.

  • When to Use It: Use this idiom when describing someone with a lot of financial resources.

Learning idioms like these is a brilliant way to enrich your English vocabulary and sound more natural in conversations. Try using some of these phrases next time you’re discussing money, budgeting, or spending habits. It’s a fun way to practice your English and impress others with your advanced language skills.


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Phrasal verbs for talking about money.