وقتی در مورد پول، بودجه بندی و پس‌انداز صحبت می‌کنیم لازمه با سیستم بانکی و کلمات مربوط به اون آشنا…

برای این‌که در مورد سرمایه‌گذاریمون در سطح بالاتری صحبت کنیم، عبارت‌های زیر به کارمون میان.💵The investment paid off.Meaning: the investment produced a good result.📖 Investing in that company really paid off.The investment generated a strong return.Meaning: it produced a good financial result.📖 The fund generated a strong return last year.The investment appreciated in value.Meaning: it became more valuable.📖 The property appreciated significantly in value.The investment lost value.Meaning: it became less valuable.📖 The shares lost value after the announcement.I broke even.Meaning: you made neither a profit nor a loss.📖 I sold the shares and just broke even.#money

پس‌انداز کردن یک بخش مهم از مدیریت مالیه؛ اما اگر بخوایم درباره‌ی رشد سرمایه و آینده‌ی مالی صحبت کنیم، باید با زبان سرمایه‌گذاری هم آشنا باشیم.در این پست چند واژه و عبارت کاربردی برای صحبت درباره‌ی investment, risk, returns and financial decisions یاد می‌گیریم.📈 InvestmentMoney put into something with the expectation of making a profit.سرمایه‌گذاری📖 Real estate can be a long-term investment.📖 I'm looking for a relatively low-risk investment.💡 Collocations:✅ make an investment✅ long-term investment✅ low-risk investment✅ investment opportunity✅ investment strategy💹 Return on Investment (ROI)The profit or loss made from an investment compared with the amount invested.بازده سرمایه‌گذاری📖 The company achieved a strong return on investment.📖 I'm looking for investments with a higher ROI.💡 Collocations:✅ generate a return✅ achieve a strong return✅ high return on investment✅ maximize returns⚠️ RiskThe possibility of losing money or getting a lower return than expected.ریسک📖 Higher returns usually involve greater risk.📖 You should understand the risks before investing.💡 Collocations:✅ take a risk✅ assess the risk✅ manage risk✅ minimize risk✅ high-risk investment✅ low-risk investment📊 DiversifySpread your money across different investments to reduce risk.تنوع بخشیدن به سرمایه‌گذاری📖 It's important to diversify your investments.📖 She diversified her portfolio by investing in different industries.💡 Collocations:✅ diversify your investments✅ diversify your portfolio✅ diversify your assets✅ investment diversification💼 PortfolioA collection of investments owned by a person or organization.سبد سرمایه‌گذاری📖 He has a diversified investment portfolio.📖 She regularly reviews her portfolio.💡 Collocations:✅ investment portfolio✅ diversified portfolio✅ manage a portfolio✅ build a portfolio✅ portfolio performance📉 VolatilityThe tendency of prices or values to change quickly and unpredictably.نوسان📖 The cryptocurrency market is known for its high volatility.📖 Market volatility can make investors nervous.💡 Collocations:✅ market volatility✅ high volatility✅ price volatility✅ reduce volatility💰 Compound interestInterest earned on both the original money and the interest already added.سود ترکیبی📖 Compound interest can significantly increase your savings over time.📖 The earlier you start investing, the more you can benefit from compound interest.💡 Collocations:✅ earn compound interest✅ benefit from compound interest✅ compound interest rate✅ compound growth#money

گاهی عملیات بانکی اون‌طور که انتظار داریم پیش نمی‌ره:😫 پرداخت رد می‌شه، انتقال انجام نمی‌شه، پول دیر می‌رسه یا حتی تراکنشی در حسابمون می‌بینیم که اون رو نمی‌شناسیم.در این موقعیت‌ها گفتن “There is a problem with my bank account” خیلی کلییه. اگر عبارت‌های دقیق‌تر رو بلد باشیم، می‌تونیم مشکل رو واضح‌تر برای بانک توضیح بدیم.💳 The payment didn't go through.the payment was not successfully completed.پرداخت انجام نشد / کامل نشد📖 I tried to pay online, but the payment didn't go through.📖 Could you try the payment again? It didn't go through.💡 Collocations:✅ payment didn't go through✅ payment went through✅ payment failed✅ process a payment🚫 The transaction was declined.the bank or payment system refused the transaction.تراکنش رد شد📖 My card was declined at the restaurant.📖 The transaction was declined because I didn't have enough funds.💡 Collocations:✅ card declined✅ transaction declined✅ payment declined✅ declined transaction💸 Insufficient Fundsnot enough money is available in an account to make a payment.موجودی ناکافی📖 The payment was rejected due to insufficient funds.📖 Make sure you have sufficient funds before making the transfer.💡 Collocations:✅ insufficient funds✅ sufficient funds✅ have enough funds✅ insufficient balance🔄 The transfer is still pending.the transfer has been initiated but hasn't been completed yet.انتقال هنوز در حال پردازش است📖 I made the transfer yesterday, but it's still pending.📖 How long does a pending transfer usually take?💡 Collocations:✅ pending transfer✅ pending transaction✅ transfer is still pending✅ process a transfer⏳ The money hasn't arrived yet.the transferred money has not reached the recipient.پول هنوز نرسیده📖 I made the transfer this morning, but the money hasn't arrived yet.📖 Could you check why the money hasn't arrived yet?💡 Collocations:✅ money hasn't arrived✅ receive the money✅ transfer hasn't arrived✅ delayed transfer🔁 The transfer was reversed.a completed transaction was cancelled and the money was returned.تراکنش برگشت خورد📖 The transfer was reversed and the money was returned to my account.📖 I received the money back because the transaction was reversed.💡 Collocations:✅ transfer was reversed✅ payment was reversed✅ reverse a transaction✅ reversed payment💰 I was charged a fee.the bank charged you money for a service or transaction.از من کارمزد گرفته شده📖 I was charged a fee for the international transfer.📖 Why was I charged an additional fee?💡 Collocations:✅ charge a fee✅ transaction fee✅ transfer fee✅ additional fee✅ service fee👀 There's a transaction I don't recognize.you see a transaction in your account that you don't remember making.یک تراکنش در حسابم هست که آن را نمی‌شناسم📖 There's a transaction I don't recognize on my statement.📖 I noticed a payment I don't recognize.💡 Collocations:✅ unrecognized transaction✅ suspicious transaction✅ suspicious activity✅ report a transaction✅ check your bank statement🚨 There's an unauthorized transaction.a transaction that you did not approve or make.تراکنش غیرمجاز📖 I believe there's an unauthorized transaction on my account.📖 I reported the unauthorized transaction to my bank.💡 Collocations:✅ unauthorized transaction✅ unauthorized payment✅ report unauthorized activity✅ fraudulent transaction💳 My card has been blocked.your bank has stopped your card from being used.کارتم مسدود شده📖 My card has been blocked. Could you tell me why?📖 I entered the wrong PIN several times and my card was blocked.💡 Collocations:✅ card has been blocked✅ block a card✅ unblock a card✅ blocked account#money

وقتی می‌خوایم در مورد قیمت چیزی صحبت کنیم اصطلاحات زیر به کارمون میان.🤓 “It's Cheap” Is Not Always What You Meanاگر چیزی قیمت کمی دارد:inexpensivenot expensive📖 It's inexpensive but good quality.اگر قیمتش نسبت به کیفیت مناسب است:good value for money📖 This hotel is really good value for money.اگر قیمتش خیلی کمتر از حد معمول است:a bargain📖 At $30, this jacket is a real bargain.اگر قیمتش بیشتر از ارزش واقعی آن است:overpriced📖 The food was good, but definitely overpriced.اگر چیزی پول زیادی می‌برد:cost an arm and a leg📖 That apartment costs an arm and a leg.از این اصطلاحات و صفت‌ها استفاده کنید و در مورد خریدهای این ماهتون جمله بسازید.🛍️🛒

دیروز در مورد کاهش هزینه‌ها صحبت کردیم. امروز بیاین بریم سراغ پس‌انداز و بودجه‌بندی. 💵پس‌انداز کردن فقط به معنی save money نیست. وقتی درباره‌ی مدیریت مالی شخصی صحبت می‌کنیم، باید بتونیم درباره‌ی بودجه‌بندی، کنترل هزینه‌ها، زندگی متناسب با درآمد، پس‌انداز برای آینده و مدیریت فشار مالی هم صحبت کنیم.در انگلیسی، عبارت‌های طبیعی زیادی برای این مفاهیم وجود دارن که در پادکست‌ها، مقاله‌های مالی و مکالمات روزمره زیاد می‌شنویم.💳 Live within your meansspend only as much money as you can afford.متناسب با درآمدت خرج کردن📖 It's important to live within your means.📖 She earns a good salary but still tries to live within her means.💡 Collocations:✅ live within your means✅ learn to live within your means✅ choose to live within your means✅ financially live within your means💸 Make ends meethave just enough money to pay for your basic needs.از پس هزینه‌های ضروری زندگی برآمدن📖 It's becoming harder for many families to make ends meet.📖 He works two jobs just to make ends meet.💡 Collocations:✅ struggle to make ends meet✅ barely make ends meet✅ manage to make ends meet✅ find it difficult to make ends meet🏦 Put money asidesave some money instead of spending it.پول کنار گذاشتن📖 I try to put some money aside every month.📖 We're putting money aside for unexpected expenses.💡 Collocations:✅ put money aside✅ put some money aside✅ put money aside for emergencies✅ regularly put money aside🛟 Build a financial cushiongradually save enough money to protect yourself from unexpected financial problems.ایجاد پشتوانه مالی📖 I'm trying to build a financial cushion before moving out.📖 A financial cushion can help you deal with unexpected expenses.💡 Collocations:✅ build a financial cushion✅ maintain a financial cushion✅ create a financial cushion✅ have a financial cushion🚨 Build an emergency fundsave money specifically for unexpected expenses or financial emergencies.پس‌انداز اضطراری ایجاد کردن📖 I'm trying to build an emergency fund that covers three months of expenses.📖 Everyone should have some money in an emergency fund.💡 Collocations:✅ build an emergency fund✅ contribute to an emergency fund✅ emergency savings✅ emergency expenses✅ emergency financial needs📊 Stick to a budgetfollow your spending plan and avoid spending more than you planned.به بودجه پایبند ماندن📖 I'm trying to stick to my budget this month.📖 It's difficult to stick to a budget when you eat out frequently.💡 Collocations:✅ stick to a budget✅ create a budget✅ set a budget✅ realistic budget✅ monthly budget💰 Build up your savingsgradually increase the amount of money you have saved.به‌تدریج پس‌انداز را افزایش دادن📖 I'm trying to build up my savings before I quit my job.📖 It took her several years to build up enough savings.💡 Collocations:✅ build up your savings✅ build up a savings fund✅ gradually build up savings✅ build up retirement savings🧠 Pay yourself firstsave part of your income before spending money on other things.اول برای خودت پس‌انداز کن📖 I follow the "pay yourself first" approach and save 20% of my income.📖 Paying yourself first makes saving a regular habit.💡 Useful collocations:✅ pay yourself first✅ set aside a portion of your income✅ automate your savings✅ save before spending🔄 Automate your savingsarrange for money to be transferred automatically into your savings account.خودکار کردن پس‌انداز📖 I automate my savings so I don't have to think about it every month.📖 Automating your savings can make it easier to reach your financial goals.💡 Collocations:✅ automate your savings✅ automatic savings✅ automatic transfer✅ set up automatic transfers⚖️ Tighten your beltspend less because you have less money available.کم کردن مخارج به دلیل فشار مالی📖 We're going to have to tighten our belts for a few months.📖 With prices going up, many families are having to tighten their belts.💡 Collocations:✅ have to tighten your belt✅ tighten your belt financially✅ tighten your belt for a while

اگر دوست دارین اصطلاحات و عبارت‌های بیشتری در مورد money یاد بگیرین توصیه می‌کنم حتما دو تا از اپیزودهای پادکست‌های آیلتس دیلی رو با دقت گوش کنین. 🎧Money 1 💴 Money 2 💰#money