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Money (Money) is always a hot topic in both daily life and the IELTS Speaking test. However, overusing overly simplistic vocabulary like “I like money because I can buy everything” will make your answers lack depth and intellectual maturity.
To conquer Band 8.0+, you need to equip yourself with vocabulary that demonstrates financial literacy (financially savvy), smart spending habits (cost-conscious), and multi-dimensional perspectives on wealth. Let’s explore the complete set of vocabulary and sample answers for this topic with Ms. Cấn Thu Hà!
Useful vocabulary and structures for the topic of money
To make it easy to apply to your answers, we will divide the vocabulary into 3 core topic groups:
Income & Spending Vocabulary
| Collocations | Meaning |
| Make ends meet | Earn enough money to cover living expenses |
| Live from paycheck to paycheck | Live relying on monthly paychecks, with no savings |
| Disposable income | Disposable income (money remaining after paying mandatory expenses) |
| Splurge on sth | Spend money freely/lavishly on something |
| Cut back on spending | Cut back on expenses |
| Tight budget | Tight budget |
| Financial cushion | Financial cushion / reserve funds |
| Financially independent | Financially independent |
Saving & Investing Vocabulary
| Collocations | Meaning |
| Set money aside | Set money aside |
| Build up savings | Gradually build up savings |
| Invest in | Invest in |
| Long-term financial security | Long-term financial security |
| Diversify investments | Diversify investments |
| Emergency fund | Emergency fund |
Attitudes Towards Money Vocabulary
| Collocations | Meaning |
| Money isn’t everything | Money isn’t everything |
| Materialistic mindset | An overly materialistic mindset |
| Place too much emphasis on wealth | Place too much emphasis on wealth/money |
| Measure success in monetary terms | Measure success in monetary terms |
| Financially savvy | Financially knowledgeable and wise |
| Cost-conscious | Cautious with spending, budget-conscious |
IELTS Speaking Part 1 Sample Answers: Topic Money
In Part 1, show that you are a financially responsible individual.
Q1: Do you think money is important?
“I’d say money is important to a certain extent (to a certain extent). It provides financial security and allows people to meet their basic needs. However, I don’t think it should be the sole measure of success (the sole measure of success), because happiness and personal fulfilment (personal fulfillment) matter just as much.”
Q2: Are you good at saving money?
“Yes, I’d say I’m fairly cost-conscious. I usually set money aside every month and try to avoid impulse purchases (impulse purchases). That said, I occasionally splurge on experiences like travelling.”
IELTS Speaking Part 2 Sample Answer: Saving Money
Cue Card:
Describe a time when you saved money for something special.
You should say:
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What you saved money for
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How long you saved
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How you managed to save
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And explain how you felt when you finally bought it.
Sample Answer (Band 8.0):
A memorable time when I saved money for something special was when I decided to buy a short solo trip to Da Nang as a reward for finishing my university thesis.
At that time, I didn’t have much disposable income, so I had to carefully plan my spending. I set a specific savings goal and started to cut back on unnecessary expenses, such as eating out and online shopping. I also took on some freelance work to build up my savings more quickly.
It took me about four months to reach my target. Although it required a lot of discipline, the process taught me how to be more financially responsible. When I finally booked the trip, I felt incredibly proud of myself. It wasn’t just about the holiday itself, but about achieving a personal goal through patience and planning. In hindsight (looking back), the experience was far more rewarding because I had worked hard for it.
IELTS Speaking Part 3 Sample Answer topic Money & Society
This is the section for you to showcase your sociological thinking and macro-level vocabulary.
Q1: Why do some people think money equals success?
“In many societies, wealth is closely associated with social status. People often measure success in monetary terms because financial prosperity is visible and easily quantifiable (có thể đo lường được). However, this view can be somewhat narrow-minded, since success also includes personal growth and meaningful relationships.”
Q2: Should children learn about money at school?
“Definitely. Financial literacy (kiến thức tài chính) is an essential life skill. If children learn how to manage a budget and understand basic financial concepts, they are more likely to become financially responsible adults.”
Q3: Is it better to save or spend money?
“It really depends. Saving provides long-term security and peace of mind, while spending can improve one’s quality of life and even stimulate the economy (kích thích nền kinh tế). Ideally, people should strike a balance (tìm sự cân bằng) between the two.”
The secret to achieving a high score in the Money topic is maturity in expression. Instead of just talking about liking to make money or spend money, weave in practical concepts such as manage a budget, disposable income, or long-term security.
Turn your answers into the sharing of a financially savvy consumer. Don’t forget to practice using this vocabulary daily to build the most natural reflexes in the exam room. Wish you all good studies and early success in achieving your IELTS goals with ECE!
Khai giảng Khóa học Hè cực HOT.
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