Greetings, everyone! How’s August treating you? Mês passado, falamos um pouco sobre alguns money problems (problemas financeiros) que podemos enfrentar ao longo da vida. Seguimos agora com a segunda parte do texto, com mais alguns termos e exemplos para que vocês possam falar com desenvoltura de sua financial situation. Vamos nessa? After all, time is money!

If you withdraw more money than you have in your bank account, you’re going into overdraft (Photo by Eduardo Soares from Pexels)

overdraft | cheque especial

And if you spend more than you have on your bank account, a bank might temporarily allow you to have an overdraft.

• My bank account has a 300 dollar limit on overdrafts | Minha conta bancária tem um limite de 300 dólares de cheque especial.
• Be careful with your spending so you don’t run up an overdraft | Tenha cuidado com os seus gastos para não entrar no cheque especial.

pay off | pagar tudo, liquidar

On the other hand, you can pay off your debts and no no longer owes money.

• Haley managed to save up enough money to pay off her students loans | Haley conseguiu economizar dinheiro suficiente para liquidar seus empréstimos estudantis.
• Three more months and the car will finally be paid off! | Só mais três meses e o carro finalmente estará pago!
  

  If no one bails me out, I’ll have to sell the house (Photo by Mikhail Nilov from Pexels)

bail out | salvar, resgatar, socorrer (financeiramente)

If someone helps you from financial trouble, they are bailing you out.

• When Tim lost his job, his family had to bail him out so he wouldn’t lose his house | Quando Tim perdeu o emprego, sua família teve que socorrê-lo para que ele não perdesse sua casa.
• The government is discussing a plan to bail out businesses who couldn’t operate during the lockdown | O governo está discutindo um plano para resgatar empresas que não puderam operar durante o bloqueio.

(dig/dip into your) savings | mexer na poupança, usar minhas economias

When money is tight, you might have to dig into your savings

• I had to dig into my savings to pay for the hospital bills | Tive que usar minhas economias para pagar as despesas do hospital.

• George was unemployed for 4 months, so he had to start dipping into his savings | George ficou desempregado por 4 meses, então ele teve que começar a mexer em sua poupança.
  

  Her business had to file for bankruptcy (Photo by Anna Shvets from Pexels)

(file for) bankruptcy | (declarar) falência

And finally, when you see yourself unable to pay off your debts, you declare bankruptcy. 

• Businesses in the hospitality industry filing for bankruptcies has been increasing over the past year | Os pedidos de falência das empresas do setor de hospitalidade aumentaram no ano passado.
• If sales continue to go down this quarter, we might be on the verge of bankruptcy | Se as vendas continuarem caindo neste trimestre, podemos estar à beira da falência.

A penny for your thoughts? Uma moeda pelos seus pensamentos? Conhecem outras expressões relacionadas a dinheiro? Make sure to comment below. Check out these previous posts on the subject here and here. Have a wonderful weekend!

And in case you missed it, here is our previous post!:

Dinheiro na mão é vendaval