Match the English word/phrase to its Vietnamese meaning.

• 1. budget: a. Nợ
• 2. income: b. Ngân sách
• 3. expense: c. Thu nhập
• 4. debt: d. Chi phí
• 5. emergency fund: e. Quỹ khẩn cấp

Complete the sentences with the correct term.

• 1. I make a ______ every month to control my spending.
• 2. My main ______ is my salary from my job.
• 3. I need to ______ on eating out to save more.
• 4. I’m building an ______ of 6 months’ expenses.
• 5. I always pay my ______ on time to avoid fees.

Imagine you’re giving a friend advice on managing money better. Use at least 4 of these: make a budget, track expenses, cut back, emergency fund, live within your means, tighten your belt, side hustle.

Example beginning: “You should make a budget every month. Start by tracking all your expenses because…”