125 English Sentences for Talking About Money and Finances

Money can be a tricky topic to discuss, especially when you’re learning a new language. But don’t worry—talking about money and finances in English doesn’t have to be complicated. In this guide, I’ll share simple, beginner-friendly English sentences for discussing everything from budgeting and saving to talking about credit cards and loans. Whether you’re managing your own finances or just trying to understand how others talk about money, these sentences will help you build confidence in those important financial conversations. Let’s dive in and start mastering English Sentences for Talking About Money and Finances!

Talking About Personal Budgeting Beginner English Sentences

1. I make a monthly budget to track my expenses.
2. My budget helps me save money for the future.
3. I need to cut back on spending this month.
4. I spend most of my money on rent and groceries.
5. I try to save at least 20% of my income every month.
6. I use an app to track my budget and spending.
7. I review my budget at the end of each month.
8. I don’t like spending too much on clothes.
9. I set aside some money for emergencies each month.
10. I plan to increase my savings next year.
11. My monthly budget includes rent, utilities, and food.
12. I avoid buying things I don’t need to stay within my budget.
13. I’ve been sticking to my budget for the past few months.
14. I’ve saved a little money for a vacation next summer.
15. My budget helps me feel more in control of my finances.
16. I try not to overspend on things that aren’t essential.

Asking and Answering Questions About Prices Beginner English Sentences

1. How much does this item cost?
2. What is the price of this shirt?
3. Is there a discount on this item?
4. Can I pay with a credit card here?
5. How much do I need to pay for shipping?
6. How much is the monthly subscription for this service?
7. Can you give me a better price on this product?
8. What’s the total price including tax?
9. How much do you charge for delivery?
10. Is this the best price you can offer?
11. Can I get a discount if I buy in bulk?
12. How much will it cost to repair this?
13. Do you have any sales or promotions right now?
14. How much is the entry fee for this event?
15. How much do I need to pay upfront?
16. Could you tell me the price of the membership?

Discussing Saving and Investing Money Beginner English Sentences

1. I save money in a savings account for the future.
2. I want to start investing in stocks next year.
3. I’m thinking of opening a retirement account.
4. I save a portion of my paycheck each month.
5. Investing in real estate is a good way to build wealth.
6. I’ve been putting money into my savings for several months now.
7. I’m interested in learning about cryptocurrency investments.
8. I have a small investment in the stock market.
9. I try to save at least 10% of my income each month.
10. I’m considering investing in mutual funds.
11. I hope to invest in a new business in the future.
12. Saving money is important for achieving financial goals.
13. I plan to invest in my education to improve my skills.
14. I use an investment app to track my stocks.
15. I want to start saving for a down payment on a house.
16. I’m thinking about setting up an emergency savings fund.

Talking About Credit Cards and Loans Beginner English Sentences

1. I have a credit card for shopping and emergencies.
2. I’m paying off my credit card balance this month.
3. I prefer using my credit card for online purchases.
4. I have a loan to pay for my car.
5. My credit card offers cashback rewards.
6. I pay my credit card bill on time every month.
7. I took out a loan to buy a house.
8. I need to check my credit card statement.
9. I’m trying to pay off my loan early.
10. My credit card has a high-interest rate.
11. I don’t like to carry cash; I use my credit card instead.
12. I’m thinking about getting a personal loan for home repairs.
13. I use my credit card for larger purchases.
14. I need to apply for a loan to pay for school.
15. I always pay more than the minimum payment on my credit card.
16. I’m careful not to overspend on my credit card.

Describing Financial Goals Beginner English Sentences

1. My goal is to save $5,000 by the end of the year.
2. I want to pay off my student loan within five years.
3. I hope to buy a house in the next three years.
4. My financial goal is to have an emergency fund with six months of expenses.
5. I aim to save enough money for a vacation next summer.
6. I plan to start investing in stocks next year.
7. My goal is to retire by the time I’m 60.
8. I want to save enough money for my children’s education.
9. My financial goal is to have a debt-free life.
10. I am working towards building a bigger savings account.
11. I hope to increase my monthly savings by 10% next year.
12. My dream is to own a small business one day.
13. I plan to buy a new car in the next two years.
14. I want to start investing in real estate as part of my financial goals.
15. My goal is to save money for an emergency fund.
16. I hope to reach my financial goal by the end of this year.

Explaining How to Make a Purchase Beginner English Sentences

1. First, choose the items you want to buy.
2. Add the items to your shopping cart.
3. When you’re ready, go to checkout.
4. Enter your shipping address and payment information.
5. Review your order before finalizing the purchase.
6. I used my credit card to pay for the item.
7. I paid with cash because I don’t use credit cards.
8. I added a discount code to save money on my purchase.
9. You can choose to have the items delivered to your home.
10. I completed the purchase and received an email confirmation.
11. I chose a faster shipping option for my order.
12. I used PayPal to complete my online purchase.
13. The item will be shipped to me in 5-7 days.
14. I prefer to buy online and have it delivered to my house.
15. After adding the item to my cart, I proceeded to checkout.
16. I chose to pay in installments for my purchase.

Talking About Workplace Salaries and Expenses Beginner English Sentences

1. My salary is paid every month.
2. I need to submit my expense report by the end of the week.
3. I get paid once a month, but I can request an advance if needed.
4. My workplace reimburses me for any work-related expenses.
5. My salary is enough to cover my living expenses.
6. I receive bonuses if I meet my work goals.
7. I’m saving part of my salary for a future vacation.
8. I pay for my own lunch at work, but the company covers other expenses.
9. My boss gave me a raise after my performance review.
10. I have to pay for transportation to and from work.
11. My company offers a pension plan for retirement.
12. I get a commission on sales I make at work.
13. I have to pay for my work uniform out of my own pocket.
14. I’m planning to negotiate my salary next year.
15. I use part of my salary to invest in my education.
16. My job pays for business travel expenses.

FAQs on English Sentences for Talking About Money and Finances

How can I start a conversation about money in English?
Starting a conversation about money can be tricky, but simple questions like “How much does this cost?” or “What’s your monthly budget like?” can make it easier. You can also talk about your financial goals by saying, “I want to save money for a new car.” This keeps the conversation friendly and relatable.

What are some common phrases to use when discussing budgeting?
When discussing budgeting, you can say things like, “I have a budget for each category” or “I need to save more this month.” Phrases like “I’m sticking to my budget” and “I need to track my spending” are common when you’re talking about managing money.

How do I talk about credit cards and loans in English?
Talking about credit cards and loans can be done using phrases like, “I have a credit card for emergencies” or “I’m paying off my student loan.” You can also say, “My loan has a low interest rate” or “I’m applying for a loan to buy a house.” These phrases are simple and help you express your financial situation clearly.

What are some easy ways to talk about saving and investing?
To talk about saving and investing, you can say, “I save money every month” or “I plan to invest in stocks.” You might also use sentences like, “I want to start a savings fund” or “I’m thinking about investing in real estate.” These sentences help you talk about long-term financial goals.