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Money Expressions for Earning, Spending, and Shortfalls

Recognize expressions for earning quickly, having very little, spending freely, or being careful with money.

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This first part of a money-expression series follows a person whose finances change dramatically after a lottery win. This guide selects less-covered phrases for earning quickly, facing a cash shortage, spending without restraint, and choosing not to spend. The story is an illustration of idioms, not financial advice or a recommendation to gamble.

Cultural note: Some money expressions are judgmental: “cheapskate” criticizes a person, while “flat broke” describes having no money. Use specific, respectful language when discussing someone’s actual financial circumstances. A lottery story should not suggest that tickets are a reliable way to improve finances.

Keep exploringA short phrase can describe money arriving quickly, disappearing quickly, or being carefully protected.

Phrase guide · 5 expressions

Explore the expressions

Original explanations and examples, created for learners. Save a card for later or hear the phrase spoken by your browser.

Earning and shortfalls

Describe money coming in quickly or being in very short supply.

hand over fist

Meaning

Very quickly and in large amounts, often about earning or gaining money.

Tone & use

Usually appears with a verb such as “earn” or “make.” It describes the pace and amount, not whether the income is deserved or guaranteed.

Example

“After the bakery added online orders, it began selling hand over fist during the holiday week.”

PositiveInformal / idiomatic

hard up for cash

Meaning

Short of money and finding it difficult to pay for things.

Tone & use

Informal. It can describe a temporary situation; avoid assuming why a person has limited money.

Example

“During the gap between contracts, she was hard up for cash and postponed buying a new laptop.”

NegativeInformal

flat broke

Meaning

Having no money available.

Tone & use

Very informal and emphatic. Use a more precise description in formal or sensitive conversations.

Example

“After paying the deposit and moving costs, they were flat broke until payday.”

NegativeVery informal

Spending habits

Talk about freely spending money or criticizing someone for avoiding spending.

money to burn

Meaning

More money than someone needs or is willing to spend freely.

Tone & use

Informal and often critical or joking; it does not establish what a person can actually afford.

Example

“The team did not have money to burn, so they repaired the equipment instead of replacing it.”

NeutralInformal

Recognition caution

cheapskate

Meaning

A person criticized for being unwilling to spend money.

Tone & use

Informal and insulting. Use it only when that criticism is intended; “careful with money” is more neutral.

Example

“Rather than call him a cheapskate, she asked whether he wanted to split the restaurant bill differently.”

NegativeInformal / insulting

This is a negative label for a person. It can shame someone whose financial situation is unknown; prefer a neutral description when discussing real people.

Knowledge check

Try it

Choose the expression that best fits each situation.

Try it · Choose the best expression

1 of 3

A small shop suddenly receives many orders and earns a great deal in a short time. Which phrase fits?