| A | B |
|---|
| to cut back on | to reduce or decrease your use of something |
| to pay off | to make full payment on your bills or debts |
| to apply for | to formally request a job, a loan, financial aid, a position at work, etc. by filling out an application form |
| to focus | to concentrate on doing something |
| to monitor | to supervise |
| to practice | to review |
| to volunteer | to do work for free |
| to prioritize | to put things in order by their importance |
| long-term | over a long period of time |
| short-term | within days, weeks, or months |
| bi-lingual | able to speak two languages |
| goal | something you hope to achieve |
| mortgage | a loan you take to buy a house |
| down payment | a first payment that you make to buy something very expensive |
| financial aid | monetary assistance people receive to participate in classes or other fee-based programs |
| expenses | things you must pay for |
| debts | loans or expenses you have not yet paid off |
| tutor | a person who helps you understand your schoolwork |
| in charge of | responsible to manage (something) |
