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financial literacy & budgeting

Financial Literacy & Budgeting

Core Vocabulary

Study the key terms, pronunciations, and Amharic translation contexts.

50 Words

Budget

/ባጀት/

በጀት

An estimate of income and expenditure for a set period of time.

ለተወሰነ ጊዜ የሚጠበቅ ገቢና ወጪ ግምት።

Examples

"I need to create a monthly budget."

Contextual Usage

Savings

/ሴቪንግስ/

ቁጠባ

The money one has saved, especially through a bank.

አንድ ሰው በተለይ በባንክ በኩል የቆጠበው ገንዘብ።

Examples

"My savings are growing every month."

Contextual Usage

Income

/ኢንከም/

ገቢ

Money received on a regular basis for work or through investments.

ለሥራ ወይም በኢንቨስትመንት በኩል በየጊዜው የሚገኝ ገንዘብ።

Examples

"Her monthly income is sufficient for her needs."

Contextual Usage

Expense

/ኤክስፔንስ/

ወጪ

The cost required for something; the money spent on something.

ለአንድ ነገር የሚያስፈልገው ዋጋ፤ በአንድ ነገር ላይ የሚወጣ ገንዘብ።

Examples

"Rent is my biggest monthly expense."

Contextual Usage

Debt

/ዴት/

ዕዳ

Something, typically money, that is owed or due.

የሚፈለግ ወይም መከፈል ያለበት ነገር፣ በተለይም ገንዘብ።

Examples

"He is working hard to pay off his debt."

Contextual Usage

Interest

/ኢንተረስት/

ወለድ

Money paid regularly at a particular rate for the use of money lent.

ለተበደረ ገንዘብ አገልግሎት በተወሰነ መጠን በየጊዜው የሚከፈል ገንዘብ።

Examples

"The bank offers a high interest rate on savings."

Contextual Usage

Investment

/ኢንቨስትመንት/

ኢንቨስትመንት

The action or process of investing money for profit.

ገንዘብን ለትርፍ ስራ ላይ የማዋል ተግባር ወይም ሂደት።

Examples

"Buying stocks is a long-term investment."

Contextual Usage

Credit

/ክሬዲት/

ብድር

The ability of a customer to obtain goods or services before payment.

አንድ ደንበኛ ክፍያ ከመፈጸሙ በፊት ዕቃዎችን ወይም አገልግሎቶችን የማግኘት ችሎታ።

Examples

"I bought the television on credit."

Contextual Usage

Debit

/ዴቢት/

ዴቢት

An entry recording an amount owed, listed on the left-hand side of an account.

መከፈል ያለበትን መጠን የሚመዘግብ ግቤት።

Examples

"The bank will debit the fee from your account."

Contextual Usage

Balance

/ባላንስ/

ቀሪ ሂሳብ

An amount of money remaining in an account.

በሂሳብ ውስጥ የቀረ የገንዘብ መጠን።

Examples

"Please check your account balance."

Contextual Usage

Salary

/ሳላሪ/

ደሞዝ

A fixed regular payment, typically paid on a monthly basis.

ቋሚ መደበኛ ክፍያ፣ አብዛኛውን ጊዜ በየወሩ የሚከፈል።

Examples

"My salary is deposited directly into my bank."

Contextual Usage

Transaction

/ትራንዛክሽን/

ግብይት

An instance of buying or selling something; a business deal.

አንድን ነገር የመግዛት ወይም የመሸጥ አጋጣሚ፤ የንግድ ስምምነት።

Examples

"The online transaction was successful."

Contextual Usage

Mortgage

/ሞርጌጅ/

የቤት መግዣ ብድር

A legal agreement by which a bank lends money for buying property.

ባንክ ንብረት ለመግዛት ገንዘብ የሚያበድርበት ህጋዊ ስምምነት።

Examples

"They took out a 30-year mortgage."

Contextual Usage

Insurance

/ኢንሹራንስ/

መድን

A practice or arrangement by which a company provides a guarantee of compensation for specified loss.

አንድ ኩባንያ ለተወሰነ ኪሳራ የካሳ ዋስትና የሚሰጥበት አሰራር።

Examples

"Health insurance is essential for everyone."

Contextual Usage

Profit

/ፕሮፊት/

ትርፍ

A financial gain, especially the difference between the amount earned and the amount spent.

የፋይናንስ ጥቅም፣ በተለይም በገቢ እና በወጪ መካከል ያለው ልዩነት።

Examples

"The company made a huge profit last year."

Contextual Usage

Loss

/ሎስ/

ኪሳራ

An amount of money lost by a business or organization.

በንግድ ወይም በድርጅት የሚጠፋ የገንዘብ መጠን።

Examples

"The business suffered a heavy loss."

Contextual Usage

Tax

/ታክስ/

ግብር

A compulsory contribution to state revenue, levied by the government.

በመንግስት የሚጣል የግዴታ የገቢ መዋጮ።

Examples

"Income tax is deducted from your paycheck."

Contextual Usage

Asset

/አሴት/

ሀብት

A useful or valuable thing, person, or quality.

ጠቃሚ ወይም ዋጋ ያለው ነገር፣ ሰው ወይም ጥራት።

Examples

"Land is a valuable asset."

Contextual Usage

Liability

/ላይቢሊቲ/

ዕዳ/ግዴታ

The state of being responsible for something, especially by law.

ለአንድ ነገር ተጠያቂ የመሆን ሁኔታ፣ በተለይም በህግ።

Examples

"Loans are considered a liability."

Contextual Usage

Capital

/ካፒታል/

ካፒታል

Wealth in the form of money or other assets owned by a person or organization.

በአንድ ሰው ወይም ድርጅት ባለቤትነት ስር ያለ የገንዘብ ወይም የሌሎች ንብረቶች ሀብት።

Examples

"We need more capital to start the business."

Contextual Usage

Currency

/ከረንሲ/

ምንዛሬ

A system of money in general use in a particular country.

በአንድ ሀገር ውስጥ በጥቅም ላይ የሚውል የገንዘብ ስርዓት።

Examples

"The local currency is very stable."

Contextual Usage

Inflation

/ኢንፍሌሽን/

የዋጋ ግሽበት

A general increase in prices and fall in the purchasing value of money.

አጠቃላይ የዋጋ መጨመር እና የገንዘብ የመግዛት አቅም መቀነስ።

Examples

"Inflation affects the cost of living."

Contextual Usage

Withdrawal

/ዊዝድሮዋል/

ወጪ ማድረግ

An act of taking money out of an account.

ከሂሳብ ገንዘብ የማውጣት ተግባር።

Examples

"I made a withdrawal from the ATM."

Contextual Usage

Deposit

/ዲፖዚት/

ተቀማጭ

A sum of money kept in a bank account, usually to accrue interest.

በባንክ ሂሳብ ውስጥ የሚቀመጥ ገንዘብ፣ አብዛኛውን ጊዜ ወለድ ለማግኘት።

Examples

"I need to make a deposit today."

Contextual Usage

Statement

/ስቴትመንት/

መግለጫ

A printed record of balance in a bank account and the amounts that have been paid into it and withdrawn from it.

የባንክ ሂሳብ ቀሪ ሂሳብ እና የገባውንና የወጣውን ገንዘብ መጠን የሚያሳይ የጽሁፍ መዝገብ።

Examples

"Check your monthly bank statement."

Contextual Usage

Fee

/ፊ/

ክፍያ

A payment made to a professional person or to a professional body in exchange for advice or services.

ለባለሙያ ወይም ለድርጅት ለምክር ወይም ለአገልግሎት የሚሰጥ ክፍያ።

Examples

"There is a small fee for this service."

Contextual Usage

Grant

/ግራንት/

የገንዘብ ድጋፍ

A sum of money given by a government or other organization for a particular purpose.

በመንግስት ወይም በሌላ ድርጅት ለተወሰነ ዓላማ የሚሰጥ የገንዘብ መጠን።

Examples

"The project received a government grant."

Contextual Usage

Revenue

/ሬቨኑ/

ገቢ

Income, especially when of a company or organization and of a substantial nature.

በተለይም የአንድ ኩባንያ ወይም ድርጅት ከፍተኛ መጠን ያለው ገቢ።

Examples

"The company's revenue increased this quarter."

Contextual Usage

Overdraft

/ኦቨርድራፍት/

ከተቀማጭ በላይ ወጪ

A deficit in a bank account caused by drawing more money than the account holds.

ካለው ተቀማጭ በላይ ገንዘብ በማውጣት ምክንያት በባንክ ሂሳብ ላይ የሚፈጠር ጉድለት።

Examples

"Be careful not to go into overdraft."

Contextual Usage

Stock

/ስቶክ/

አክሲዮን

The capital raised by a business or corporation through the issue and subscription of shares.

አንድ ንግድ ወይም ኮርፖሬሽን አክሲዮኖችን በማውጣት እና በመመዝገብ የሚሰበስበው ካፒታል።

Examples

"I invested in tech stocks."

Contextual Usage

Bond

/ቦንድ/

ቦንድ

An instrument of indebtedness of the bond issuer to the holders.

የቦንድ አውጪው ለባለይዞታዎቹ ያለበት የዕዳ ሰነድ።

Examples

"Government bonds are a safe investment."

Contextual Usage

Portfolio

/ፖርትፎሊዮ/

የኢንቨስትመንት ስብስብ

A range of investments held by a person or organization.

በአንድ ሰው ወይም ድርጅት የተያዙ የኢንቨስትመንት አይነቶች ስብስብ።

Examples

"He has a diverse investment portfolio."

Contextual Usage

Yield

/ዪልድ/

ምርት/ውጤት

The amount of money brought in as an investment or profit.

እንደ ኢንቨስትመንት ወይም ትርፍ የሚገኝ የገንዘብ መጠን።

Examples

"The investment provides a high yield."

Contextual Usage

Liquidity

/ሊኩዊዲቲ/

ፈሳሽነት

The availability of liquid assets to a market or company.

ለገበያ ወይም ለኩባንያ የሚገኙ ፈሳሽ ሀብቶች (ገንዘብ) መኖር።

Examples

"Cash is the most common form of liquidity."

Contextual Usage

Audit

/ኦዲት/

ምርመራ

An official inspection of an individual's or organization's accounts.

የአንድ ግለሰብ ወይም ድርጅት ሂሳቦች ኦፊሴላዊ ምርመራ።

Examples

"The annual audit will begin next week."

Contextual Usage

Principal

/ፕሪንሲፓል/

ዋና ገንዘብ

A sum of money lent or invested, on which interest is paid.

ወለድ የሚከፈልበት የተበደረ ወይም የፈሰሰ የገንዘብ መጠን።

Examples

"The interest is calculated on the principal."

Contextual Usage

Dividend

/ዲቪደንት/

የትርፍ ድርሻ

A sum of money paid regularly by a company to its shareholders out of its profits.

አንድ ኩባንያ ከትርፉ ለባለአክሲዮኖቹ በየጊዜው የሚከፍለው የገንዘብ መጠን።

Examples

"The company announced a higher dividend."

Contextual Usage

Contract

/ኮንትራክት/

ውል

A written or spoken agreement that is intended to be enforceable by law.

በህግ ተፈፃሚ እንዲሆን የታሰበ የጽሁፍ ወይም የቃል ስምምነት።

Examples

"Read the contract carefully before signing."

Contextual Usage

Receipt

/ሪሲት/

ደረሰኝ

A writing acknowledging the receiving of goods or money.

ዕቃዎች ወይም ገንዘብ መቀበሉን የሚያረጋግጥ ጽሁፍ።

Examples

"Keep your receipt for the return."

Contextual Usage

Invoice

/ኢንቮይስ/

የክፍያ መጠየቂያ

A list of goods sent or services provided, with a statement of the sum due for these.

የተላኩ ዕቃዎች ወይም የተሰጡ አገልግሎቶች ዝርዝር እና ለእነዚህ የሚከፈለውን መጠን የሚገልጽ መግለጫ።

Examples

"The consultant sent an invoice for his services."

Contextual Usage

Quote

/ኳውት/

የዋጋ ግምት

A formal statement setting out the estimated cost for a particular job or service.

ለአንድ የተወሰነ ሥራ ወይም አገልግሎት የሚገመተውን ወጪ የሚያሳይ መግለጫ።

Examples

"I requested a quote for the car repair."

Contextual Usage

Purchase

/ፐርቼዝ/

መግዛት

The action of buying something.

አንድን ነገር የመግዛት ተግባር።

Examples

"They made a large purchase today."

Contextual Usage

Vendor

/ቬንደር/

ሻጭ

A person or company offering something for sale.

አንድን ነገር ለመሸጥ የሚያቀርብ ሰው ወይም ኩባንያ።

Examples

"The software vendor updated the system."

Contextual Usage

Client

/ክላየንት/

ደንበኛ

A person or organization using the services of a lawyer or other professional person or company.

የጠበቃ ወይም የሌላ ባለሙያ ሰው ወይም ኩባንያ አገልግሎትን የሚጠቀም ሰው ወይም ድርጅት።

Examples

"The lawyer met with his client."

Contextual Usage

Consumer

/ኮንሲዩመር/

ተጠቃሚ

A person who purchases goods and services for personal use.

ለግል ጥቅም ዕቃዎችን እና አገልግሎቶችን የሚገዛ ሰው።

Examples

"Consumer protection is important."

Contextual Usage

Wealth

/ዌልዝ/

ሀብት

An abundance of valuable possessions or money.

ዋጋ ያላቸው ንብረቶች ወይም የገንዘብ ብዛት።

Examples

"Wealth is built over time."

Contextual Usage

Poverty

/ፖቨርቲ/

ድህነት

The state of being extremely poor.

በጣም ደሃ የመሆን ሁኔታ።

Examples

"Poverty reduction is a global goal."

Contextual Usage

Pension

/ፔንሽን/

ጡረታ

A regular payment made during a person's retirement.

በአንድ ሰው የጡረታ ጊዜ የሚከፈል መደበኛ ክፍያ።

Examples

"He contributes to his pension fund."

Contextual Usage

Grant

/ግራንት/

የገንዘብ ድጋፍ

Financial aid that doesn't need to be repaid.

መመለስ የማይገባው የገንዘብ እርዳታ።

Examples

"The student applied for a research grant."

Contextual Usage

Economy

/ኢኮኖሚ/

ኢኮኖሚ

The state of a country or region in terms of the production and consumption of goods.

የአንድ ሀገር ወይም ክልል ሁኔታ በሸቀጦች ምርት እና ፍጆታ ረገድ።

Examples

"The economy is growing rapidly."

Contextual Usage

Natural Dialogue

Tap any highlighted word inside speech bubbles to view its flashcard definition.

Role A
Hello! I am trying to create a monthly to manage my better.
Role B
That is a great idea. You should start by listing every , like rent and .
Role A
I agree. My biggest is my , but I also want to increase my .
Role B
Do you have any ? It is often wise to pay off before focusing heavily on .
Role A
I have a small loan. The rate is low, but I still want to clear the .
Role B
Good thinking. Have you checked your recent bank for any hidden fees?
Role A
I did. There was a I didn't recognize, so I'll ask the bank about it.
Role B
Smart. If you have extra , you might consider buying some or a .
Role A
I'm looking into that. I want to build a diverse for long-term .
Role B
Remember that can reduce your purchasing power over time, so plan accordingly.

The Writing Challenge

Synthesize your vocabulary knowledge in context.

Adaptive Prompt
"Try to create your own household budget. List your total income, then subtract your monthly expenses such as rent, food, and bills. Calculate how much you can put into your savings account each month."