Money And Finance

'Moneys' does not exist. Notes are paper money and Coins metal money.

When you are overdrawn, your account is in negative figures (with permission or not = planned or unplanned overdraft). You say you are 'in the red'. When you are in positive figures, it is said that you are 'in the black'.

Salary is per year, Wages are per week or month. Purchase is verb and noun = To purchase / A purchase.
A merger is when companies agree to join; It's not the same as a Takeover, when a bigger company buys a smaller company.

'A receipt' is what you are given when you buy something. You need it to 'return' (= take back) something to the shop. 'A rebate' is a discount.

'Fasten your belt' is what you do when your aeroplane is about to take off. To cut back on your expenses is to 'tighten your belt'.

Borrow = Take temporarily / Lend = Give temporarily
'Raise' needs an agent; 'Rise' does not. The government has raised taxes = Taxes have risen
Turn down = Decline
Supply is the availability of a product, and Demand is how many people want to buy it.
Net and Gross generally refer to earnings before (gross) and after (net) tax.

'Heritage' is a common patrimony (The United Nations awards special historical sites as 'World Heritage Sites'). 'Heritance' does not exist. 'To inherit' is the verb = to receive an inheritance)

A pension is for people who have retired. A payment is a general term when you pay somebody. Perk is something you are given by your company apart from the salary (company car, free meals, nursery...). Benefits is the name given to all state subsidies.

VAT is a tax on goods, income tax on earnings and corporation on companies.
Policies are government or company strategies for growth.
The stock exchange is where company shares are bought and sold. A currency exchange is where currencies are traded.
The interest rate is what you have to pay on a loan, or the bank on your savings (e.g. 3%). The exchange rate is the amount of dollars you get when you sell your pounds.
Blue collar workers work manually (factory workers, cleaners...), although you can refer to 'skilled workers' as qualified blue collar workers (electricians, mechanics, plumbers...). White collar workers generally work in offices.

'To cash' is to exchange a cheque for cash = 'To cash a cheque'. 'Loaded' is a colloquial term for rich.

A loan is when the bank lends you money for a car, a holiday or to set up a company. A mortgage is speciically a loan to buy a house. Until you pay back the loan you are in (or have a) debt. This means you owe money (verb).

'Poorly' means that you are sick (not very seriously). 'Hard up' and 'Broke' are semi-colloquial. 'Skint' is UK slang.