Từ vựng & Collocation chủ đề Tài chính cơ bản trong bài thi IELTS

Bạn có biết rằng, phần thi IELTS Speaking luôn là một trong những phần thi khiến nhiều sĩ tử lo sợ và ái ngại nhất bởi bạn sẽ không biết cách diễn đạt như thế nào để đạt được điểm số tối đa. Chính vì vậy, mẹo nhỏ cho bạn là hãy chuẩn bị thật kỹ những chủ đề quen thuộc trong IELTS Speaking nhé. Tại bài viết này, GLN sẽ gửi tới bài một số từ vựng nâng band và bài mẫu chủ đề Tài Chính vô cùng quen thuộc trong IELTS Speaking.


Từ vựng chủ đề tài chính 


Sở hữu một kho từ vựng đa dạng về các chủ đề chính là chìa khóa cho sự trôi chảy, khả năng nói mạch lạc của chúng ta. Tài chính là một trong những chủ đề quen thuộc giúp thể hiện vốn từ của thí sinh. Cùng GLN tham khảo một số cụm từ dưới đây để chinh phục điểm cao IELTS với chủ đề này nhé!

  • Charge: a price asked for goods or services

You no longer need to worry for future charges from Audible and your membership was completely cancelled now.

  • Loan: an amount of money  borrowed  from a bank

If you’re looking for a loan, approach our local banks.

  • Credit: money available for a client to borrow.

Redland Bank will not normally give  credit to applicants under 18 years of age 

  • wealth: a large amount of valuable things or money

Wealth is not the same thing as money.

  • profit: a financial gain, especially the difference between the amount earned and the amount spent in buying, operating, or producing something

Typically the higher the profit margin, the more the value.


Idioms chủ đề tài chính

  • A penny saved is a penny earned: Advice saying that it’s good to save money. When money is saved, it is as good as money that is earned.
  • Beyond one’s means: To spend more money than you can afford.
  • Someone’s bread and butter: Someone’s basic income, someone’s livelihood, a job or activity that helps you earn money for your living
  • Cut one’s losses: To stop doing an activity that causes losses or damage, to withdraw from a bad situation before it gets worse.
  • Down-and-out: having no money, no job and no home
  • Born with a silver spoon in your mouth
  • Be born into a very rich family, be rich from birth.


Bài mẫu IELTS Speaking


Part 1

Do you like shopping?

– No, I don’t. I am not a hoarder and only prefer to buy high-quality things that I know I definitely need. And this, of course, happens not that often.

Have you bought anything interesting recently?

-Yes, I did. I desperately needed new sneakers and found a beautiful pair of white ones.

How important is money to you?

-I consider money just a tool to achieve goals. Without it, it would be quite hard to get anything significant in life when it comes to tangible things that can be bought.

Do you think you will have lots of money in future?

-Yes, definitely. I am working hard right now to get a nice well-paid job. In the future, I will for sure be able to maintain a good lifestyle.

Would you like to become rich some day?

– Of course, I do. But this is not an end goal for me. I need money to serve the humanity better, because I want to build a chain of waste recycling plants in the future.

Do you think it is ok to lend money to friends or family members?

-I do not support those who rely on borrowing. However, sometimes it is okay to lend money as long as it serves a good cause.

Are you good at saving money?

-Yes, I consider myself very conscious when it comes to my spending habits.

Do you invest your spare money?

-Unfortunately, not yet, however, I have been thinking about investing it for quite some time. The thing is – I can’t find enough time to properly break this down for myself.

Do you think financial literacy is at the high level aross generations?

In my opinion, young people generally think less about money management than adults. I expect this to change because of better education at schools and universities.

Part 2

Describe something you want to buy but can’t afford. You should say:


  • What you would like to buy
  • How much it costs
  • Why you can’t afford it
  • and explain if there is any other way you could acquire it.


I would like to buy myself a car. This will be my first vehicle, because I have just got my driver’s license. I like traveling with comfort to work and around the city, but the heavy traffic during rush hours makes public transportation really inconvenient for me. However, I am very conscious about the environment and wouldn’t like to spend money on a conventional automobile that will only contaminate the air we breath. Therefore, the perfect car for me would be an electric one – ideally, a Tesla.

Teslas cost substantially more than usual petrol cars. Their price fluctuates around 80,000 – 100,000 USD. What I especially love about it is that it’s possible to design my own one – some parts of it can be customized.

Unfortunately, I can’t afford this car right now – I have just graduated and entered the job market with not the highest ever salary. Also, I haven’t taken up a single loan, and I am of a strong belief that credit must finance only investments that generate future returns. And such a consumeristic purchase as a car definitely won’t earn me any money. In fact, I will only spend even more on planned maintenance. Thankfully, Tesla is not a vehicle that needs petrol, so I will majorly save on gasoline. Thus, I will wait for a couple of years, until my pay improves. I will also have a better range of car models to choose from.

Part 3

How much money is enough?

The question of a sufficient amount of money is absolutely subjective – everyone has their own pay-rate expectations (idea). This highly depends on the lifestyle one leads – on the quality of life one is accustomed to. In my opinion, one can surely say they have enough money when they are able to afford spontaneous purchases throughout the month without worrying about their next month financial stability (explain). There are many modern online banking apps that allow to track monthly spendings and plan future budgets – they are a great helping hand indeed (example).

What problems does money cause in your society?

Money is the tool that solves many problems – from very small daily ones to huge infrastructural issues (idea). However, there are certain people whose individuality and character force them to make poor decisions when given too much money or power (explain). One of the most evident examples is politicians who are frequently corrupted, which makes them incompetent and inefficient public servants. Globalisation only exacerbates the gap between haves and have-nots. Many people lack money to sustain day-to-day living, while the rich become richer every day(example).

Do young people nowadays believe in saving money? What conflicts can arise between a person’s family and a person’s friends?

The willingness and ability to save greatly depends on a person’s character (idea). Since many young people are still not mature enough and prone to sudden mood swings, it is easier for them to fall prey to compelling ads, ending up with a bag of spontaneous purchases. In addition, many companies offer easy payment terms, so youngsters get tempted to spend more on things they do not really need (explain). A great example would be the rapid advancement in technologies that give access to instant credit from the biggest and most reliable banks (example).

Hy vọng qua bài viết này, các bạn đã có thêm thông tin để chuẩn bị và luyện tập một cách hiệu quả nhất. Ngoài ra nếu đang gặp khó khăn trong việc học ngoại ngữ, bạn có thể tham khảo các khóa học tại GLN English Center để có lộ trình học Tiếng Anh một cách hiệu quả nhất nhé.

Để biết thêm thông tin về các khóa học cũng như chương trình ưu đãi, vui lòng liên hệ hotline tư vấn: 0989 310 113 để được giải đáp cụ thể và miễn phí.

Nhận ngay học bổng
1.000.000 VNĐ khi đăng ký
kiểm tra trình độ


    Call Us