Lesson 11: Money & Shopping Phrasal Verbs: 15 Essential English Verbs for Movement & Journeys (B1-B2)

• We're banking on good weather for the outdoor wedding. Counting on favorable conditions for plans.
• Don't bank on getting a promotion this year—the company is cutting budgets. Warning not to rely on something uncertain.
• I'm banking on my parents to help with the down payment. Relying on family support for a major purchase.
• You can bank on Sarah to deliver on time—she's very reliable. Expressing complete confidence in someone.

• While cleaning the attic, I came across my grandmother's old jewelry box. Unexpected discovery during another activity.
• I came across an interesting article about climate change online. Found something while browsing, not searching specifically.
• I came across my old college roommate at the airport yesterday. Chance encounter with someone from the past.
• If you come across any old photographs, please let me know. Request to share if found by accident.

• Good employees are hard to come by these days. Quality staff are scarce and difficult to find.
• How did you come by such a rare first edition of that book? Question about obtaining something valuable.
• Fresh vegetables are hard to come by in this remote village during winter. Difficulty obtaining basic items due to location/season.
• Honest feedback is hard to come by when you're the boss. Position makes genuine opinions rare.

• She came into a substantial inheritance when her uncle passed away. Received large sum after relative's death.
• When he turned 25, he came into a trust fund his grandparents had set up. Gained access to money at specific age.
• If anything happens to me, you'll come into everything I own. Statement about future inheritance.
• The museum came into ownership of the rare painting through a donation. Institution acquired valuable item.

• Since losing his job, he's had to do without many luxuries like eating out. Forced to give up non-essentials due to job loss.
• We can't afford a vacation this year, so we'll just have to do without. Accept the absence of something desired.
• During the war, people had to do without basic necessities like sugar and butter. Historical context of shortages and rationing.
• I could do without your constant criticism—it's not helpful. Expression meaning "I'd prefer not to have this."

• After her husband died, she had to get by on just her small pension. Surviving on limited fixed income.
• It's hard to get by in this expensive city on minimum wage. Difficulty covering costs with low income.
• We're getting by, but we couldn't handle any unexpected expenses. Managing currently but with no financial cushion.
• Students often have to get by on very little money while in college. Living frugally during education.

• We got through three bags of ice at the party—it was such a hot day. Consumed entire supply due to high demand.
• I can't believe how quickly we get through milk—two gallons in three days! Rapid consumption rate in household.
• He got through his entire inheritance in less than five years. Spent all money through extravagant living.
• Our family gets through about $200 worth of groceries each week. Regular weekly consumption amount.

• The store is giving away free samples of their new product. Marketing strategy—distribute at no cost.
• When we moved, we had to give away half of our furniture. Donated items that wouldn't fit in new place.
• She gives away all her old clothes to charity. Regular donation habit instead of discarding.
• The billionaire gave away most of his fortune to various causes. Philanthropic donation of wealth.

• His nervous laughter gave away the fact that he was lying. Involuntary reaction revealed the truth.
• Don't give away the ending of the movie—I haven't seen it yet! Request not to reveal plot details.
• Her face gave away her disappointment even though she said she was fine. Expression betrayed true feelings.
• The spy was careful not to give away any information about his identity. Maintained cover by not revealing details.

• After retirement, they live on their pension and social security. Sole income sources after working years end.
• It's nearly impossible to live on minimum wage in expensive cities. Insufficient income for high cost of living.
• The family lives on what they grow in their garden. Subsistence farming—self-sufficient food production.
• He lives on $30,000 a year, which requires careful budgeting. Modest income requiring frugal management.

• We're looking round the neighborhood before making an offer on the house. Exploring area to assess suitability.
• The museum is free, so feel free to look around at your own pace. Explore independently without time pressure.
• When shopping for a car, it's important to look round several dealerships. Compare options before purchasing.
• I'm just looking round, thanks—I'll let you know if I need help. Common response to salespeople when browsing.

• Please make out the check to 'Johnson & Associates' for $1,500. Complete check with specific payee and amount.
• The doctor made out a prescription for antibiotics. Wrote formal medical document.
• Could you make out an invoice for last month's services? Request to create billing document.
• Who should I make the check out to? Question asking for correct payee name.

• The hotel's amazing breakfast made up for the small size of our room. Positive aspect compensated for negative one.
• He tried to make up for forgetting their anniversary with a surprise dinner. Compensating for mistake with special gesture.
• The company offered extra vacation days to make up for the salary freeze. Alternative benefit to offset financial disappointment.
• Her enthusiasm makes up for her lack of experience. Positive quality balances out shortcoming.

• She puts by $200 every month for emergencies. Regular monthly saving for safety net.
• My grandparents always put by a portion of their income. Consistent lifetime saving habit.
• If you can put by even a small amount each week, it will add up. Advice about accumulating modest savings.
• They've put by enough money for a down payment after five years. Achieved specific savings goal through discipline.

• We're saving up for a new car—we should have enough by spring. Gradual accumulation toward specific goal.
• The children are saving up their allowance to buy a video game console. Kids pooling money and practicing delayed gratification.
• She's been saving up for years to take a dream trip to Australia. Long-term saving for important personal goal.
• I'm saving up for retirement by contributing to my 401(k) every paycheck. Systematic long-term retirement planning.

A: How do you manage to get by on such a low salary?
B: I do without luxuries and put by a little each month.
A: That's smart. Are you saving up for anything specific?
B: Yes, a house down payment. I'm banking on having enough in two years.

A: Did you hear Sarah came into a large inheritance?
B: Yes! I hope she doesn't get through it too quickly.
A: She's sensible. She'll probably put by most of it for retirement.

A: Let's look round this antique shop—you never know what you'll come across.
B: Good idea. Rare items are hard to come by these days.
A: If we find something, should I make out the check to the store owner?
B: Yes, to "Anderson Antiques."

A: With the salary freeze, we'll have to do without our annual vacation.
B: That's disappointing. How will we make up for it with the kids?
A: Maybe we can save up for a special weekend trip instead.

A: I'm planning to give away all these old clothes to charity.
B: That's generous. I came across some old toys in the attic too—we should donate those.
A: Perfect. Good quality items are hard to come by at charity shops.

Maria is a university student who lives on a small allowance from her parents and part-time work. She has to do without many things her friends enjoy, like eating out regularly. She gets by on about $800 a month, which requires careful budgeting. She's saving up for a laptop and puts by $50 every month. She's banking on having enough by the end of the semester. While looking round online shops, she came across a good deal that will help her make up for the months of sacrifice.

After working for 40 years, John now lives on his pension and social security. He came into a small inheritance when his aunt passed away, which made up for some of the retirement savings he hadn't been able to put by during his working years. He's careful not to get through his savings too quickly. He does without expensive hobbies but manages to get by comfortably. He gives away some money to charity each year and is banking on his savings lasting throughout retirement.

The Smiths are saving up for their first house. They get by on one salary while putting by the other entirely. They've learned to do without many luxuries and rarely get through their entertainment budget. While looking round neighborhoods, they came across a perfect area. They're banking on getting a mortgage approval and hope the good school district will make up for the longer commute. Good houses are hard to come by in their price range, so they need to act fast.

1. We're __________ good weather for the outdoor wedding next Saturday.
2. I __________ an interesting article while browsing online yesterday.
3. Good employees are hard to __________ in the current job market.
4. She __________ a substantial inheritance when her aunt died.
5. Since losing his job, he's had to __________ many luxuries.
6. It's difficult to __________ on minimum wage in this expensive city.
7. We __________ three bags of ice at the party—it was so hot!
8. The store is __________ free samples to attract customers.
9. After retirement, they __________ their pension and social security.
10. We're __________ the neighborhood before deciding to move here.

Answers: 1. banking on 2. came across 3. come by 4. came into 5. do without 6. get by 7. got through 8. giving away 9. live on 10. looking round/around

1. Please (make out / make up for) the check to "ABC Company."
2. Her enthusiasm (makes out / makes up for) her lack of experience.
3. We (put by / put up) $300 every month for emergencies.
4. They're (saving up for / saving up to) a new car.
5. His nervous behavior (gave away / gave up) the fact he was lying.

Answers: 1. make out 2. makes up for 3. put by 4. saving up for 5. gave away

1. We're banking for receiving the grant. ❌
2. I came across with my old teacher. ❌
3. They live with their small pension. ❌
4. I can do without of luxuries. ❌
5. This makes up his poor service. ❌

Answers: 1. banking on 2. came across (no "with") 3. live on 4. do without (no "of") 5. makes up for