* 25 Finances
25.1�� When you are concerned about your expenses
I have to control my spending.�� Listen�� <�I�m on a fixed income while my expenses are not limited. I have to control my spending to make ends meet.�>
I have to watch my spending.�� Listen�� <�Prices are gradually going up. I have to watch my spending.�>
I need to watch my money.�� Listen�� <�I like shopping, and I make payments with a credit card. I need to watch my money.�>
I need to watch my pennies.�� Listen�� <�Basic things have started to cost more and more. I need to watch my pennies.�>
I've got to watch every dime.�� Listen�� <�Times are tough, prices are high, and I�m not working full time any more. I�ve got to watch every dime.�>
I've got to keep tabs on expenditures.�� Listen�� A �I need to have expenditures bookmarked. I need to watch expenditures closely.��� <�My recent purchasing habits weren�t necessarily an example of frugality. I�ve got to keep tabs on expenditures.�>
I've got to start budgeting my money.�� Listen�� <�I spent too much last month. I�ve got to start budgeting my money.�>
I've got to save my pennies.�� Listen�� <�I want to make a down payment on a new car. I�ve got to save my pennies.�>
I've got to tighten my belt.�� Listen�� A �I have to spend less because my income has decreased.��� <�I�m working four days a week now. I�ve got to tighten my belt.�>
I have to cut back on expenses.�� Listen�� A �I have to decrease my expenses.��� <�My rent has gone up this month. I have to cut back on expenses.�>
I have to keep track of my expenses more closely.�� Listen�� <�My part-time job doesn�t pay well. I have to keep track of my expenses more closely. That�s the only way to make ends meet.�>
I have to make ends meet.�� Listen�� A �I have to make enough money to pay for my basic expenses.��� <�I�m working at two jobs now. I have to make ends meet.�>
Now I'm on a strict budget.�� Listen�� <�I bought a new car in view of a pay raise. Instead, the company lowered my wages. Now I am on a strict budget.�>
25.2�� When a person is not frugal with money
You're living beyond your means.�� Listen�� A �You are spending more than you can afford.��� <�Son, I can help you financially a little bit, but not if you spend your money on luxury items. You are living beyond your means.�>
You might as well flush it down the toilet.�� Listen�� A �You are spending your money as if you are trying to get rid of it.��� <�Your extravagant lifestyle costs you a lot of money. You might as well flush it down the toilet.�>
You spend money as if it were going out of style.�� Listen�� A �You spend money as if it is going to be worthless.��� <�I can�t approve of your shopping habits. You spend money as if it were going out of style.�>
Don't spend it all in one place!�� Listen�� A �Don�t spend all your money all at once!��� <�Here is ten dollars for you, kids. Don�t spend it all in one place!�>
Don't let it burn a hole in your pocket.�� Listen�� A �You don�t need to spend it at once.��� <�You have started making some decent money. Don�t blow it, save some for a rainy day. Don�t let it burn a hole in your pocket.�>
Money doesn't grow on trees.�� Listen�� A �Money is hard to make, so be frugal.��� <�You send a check to every organization that asks you for help. I don�t think we can afford it any more. Money doesn�t grow on trees.�>
A fool and his money are soon parted.�� Listen�� A �A person who is not frugal will soon lose his money.��� <�Don�t fall into a credit card trap, don�t live beyond means. A fool and his money are soon parted.�>
Easy come, easy go. Listen A “This money came to me easily, and it went away easily.” <“My sister makes her money fast. And she spends it even faster. Easy come, easy go.”>
25.3�� When a person is greedy
What a miser!�� Listen�� <�He is so stingy that mice don�t want to live in his house. What a miser!�>
What a tightwad!�� Listen�� <�He won�t give you snow in winter. What a tightwad!�>
The love of money is the root of all evil. Listen <“There are rumors that his wife divorced him over his greed. He is just a penny pincher. The love of money is the root of all evil.”>
25.4�� When you stop a person from being greedy
You can't take it with you.�� Listen�� A �You can�t take your wealth with you when you die.��� <�You can�t take it with you. Enjoy a good life if you can afford it.�>
25.5�� When you are going to purchase an expensive thing
How much is this going to set me back?�� Listen�� A �How much will it cost me?��� <�It�s pretty expensive.� � �How much is it going to set me back?�>
I guess I can afford it.�� Listen�� <�Are you sure you can bear the expense of this thing without detriment to your financial situation?� � �I like this motorcycle. I guess I can afford it.�>
I'll dip into my savings.�� Listen�� <�How are you going to make a down payment on your purchase?� � �I�ll dip into my savings.�>
I've been saving up for this.�� Listen�� <�I see you really like this gizmo.� � �I�ve been saving up for this.�>
I've got enough saved up.�� Listen�� <�I remember you were strapped for cash a while ago. Do you have enough money now?� � �I�ve got enough saved up.�>
I've been saving for a rainy day.�� Listen�� <�How are you going to finance your purchase?� � �I�ve been saving for a rainy day.�>
25.6�� When you have gotten money by tricks
I was laughing all the way to the bank.�� Listen�� A �I was pleased to make money by deception.��� <�I was making oodles of money behind the back of my business partners. In public I kept complaining about my financial losses. I was laughing all the way to the bank.�>
I was laughing up my sleeve.�� Listen�� A �I was laughing in secret celebrating the success of my trickery.��� (used with up or in)�� <�He looked happy when I reluctantly agreed on that deal. I was laughing up my sleeve. If he could only know what trap he was getting into.�>
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