{"id":3995,"date":"2026-05-07T17:12:36","date_gmt":"2026-05-07T17:12:36","guid":{"rendered":"https:\/\/18kenglish.com\/english-idioms-money-finance-10-expressions\/"},"modified":"2026-05-07T17:14:12","modified_gmt":"2026-05-07T17:14:12","slug":"english-idioms-money-finance-10-expressions","status":"publish","type":"post","link":"https:\/\/18kenglish.com\/fr\/english-idioms-money-finance-10-expressions\/","title":{"rendered":"English Idioms: Money and Finance \u2014 10 Expressions You Need to Know | \u91d1\u9322\u82f1\u6587\u7247\u8a9e 10 \u500b\u5fc5\u5b78\u8868\u9054"},"content":{"rendered":"

\u91d1\u9322\u82f1\u6587\u7247\u8a9e (English idioms about money)<\/strong> \u5728\u65e5\u5e38\u6703\u8a71\u3001\u5546\u696d email\u3001\u65b0\u805e\u5831\u5c0e\u4e2d\u7121\u6240\u4e0d\u5728\u3002\u53f0\u7063\u4e0a\u73ed\u65cf\u5728\u8de8\u570b\u516c\u53f8\u958b\u6703\u3001\u548c\u5916\u570b\u5ba2\u6236\u8ac7\u5408\u7d04\u3001\u770b\u82f1\u6587\u8ca1\u7d93\u65b0\u805e\u6642\uff0c\u5982\u679c\u53ea\u61c2 sauvegarder<\/em>\u3001spend<\/em>\u3001earn<\/em> \u9019\u4e9b\u5b57\u9762\u610f\u601d\uff0c\u5e38\u5e38\u6703\u807d\u4e0d\u61c2\u6bcd\u8a9e\u4eba\u58eb\u771f\u6b63\u60f3\u8868\u9054\u7684\u610f\u601d\u3002\u6bcd\u8a9e\u4eba\u58eb\u8ac7\u9322\u6642\u559c\u6b61\u7528\u7247\u8a9e\uff0c\u56e0\u70ba\u9322\u9019\u500b\u8a71\u984c\u672c\u4f86\u5c31\u5e36\u9ede\u60c5\u7dd2\u3001\u5e36\u9ede\u793e\u4ea4\u58d3\u529b\uff0c\u800c\u7247\u8a9e\u53ef\u4ee5\u628a\u9019\u4e9b\u611f\u89ba\u8b8a\u5f97\u8f15\u9b06\u3001\u81ea\u7136\u3002<\/p>\n

This guide unpacks 10 of the most common English idioms about money. \u6bcf\u500b idiom \u90fd\u9644\u4e0a\u4e2d\u6587\u610f\u601d (Chinese meaning)\u3001\u8d77\u6e90\u6545\u4e8b (origin)\u3001\u4ee5\u53ca\u5169\u500b\u4f60\u53ef\u4ee5\u76f4\u63a5\u8907\u88fd\u5230\u5c0d\u8a71\u548c\u5beb\u4f5c\u88e1\u7684\u4f8b\u53e5 (example sentences)\u3002\u9019\u4e9b\u8868\u9054\u5728 casual chat\u3001\u5546\u696d\u6703\u8b70\u3001ESL \u8ab2\u5802\u4e0a\u90fd\u7528\u5f97\u5230\uff0c\u7279\u5225\u9069\u5408\u60f3\u64fa\u812b\u8ab2\u672c\u82f1\u6587\u3001\u8b1b\u51fa\u66f4\u9053\u5730\u53e5\u5b50\u7684\u53f0\u7063\u5b78\u7fd2\u8005\u3002<\/p>\n

\n

\u5feb\u901f\u91cd\u9ede (Quick answer):<\/strong> \u6700\u5e38\u7528\u7684 English idioms about money \u4e3b\u8981\u570d\u7e5e\u8cfa\u9322 (earning)\u3001\u82b1\u9322 (spending)\u3001\u5b58\u9322 (saving)\u3001\u548c\u7701\u9322 (cutting back)\u3002\u50cf\u662f bring home the bacon<\/em>\uff08\u8cfa\u9322\u990a\u5bb6\uff09\u3001cost an arm and a leg<\/em>\uff08\u975e\u5e38\u6602\u8cb4\uff09\u3001tighten your belt<\/em>\uff08\u7701\u5403\u5109\u7528\uff09\u3001save for a rainy day<\/em>\uff08\u672a\u96e8\u7da2\u7e46\uff09\u3001\u548c cash cow<\/em>\uff08\u91d1\u96de\u6bcd\uff09\uff0c\u90fd\u662f\u65b0\u805e\u3001\u96fb\u5f71\u3001\u6703\u8b70\u88e1\u6703\u53cd\u8986\u51fa\u73fe\u7684\u91d1\u9322\u82f1\u6587\u7247\u8a9e\u3002<\/p>\n<\/div>\n

\"\u91d1\u9322\u82f1\u6587\u7247\u8a9e<\/div>\n

\u70ba\u4ec0\u9ebc\u53f0\u7063\u5b78\u7fd2\u8005\u8981\u5b78\u91d1\u9322\u82f1\u6587\u7247\u8a9e\uff1f(Why money idioms matter)<\/h2>\n

\u91d1\u9322 (money) \u662f\u82f1\u6587\u4e2d\u7247\u8a9e\u6700\u8c50\u5bcc\u7684\u4e3b\u984c\u4e4b\u4e00\u3002\u6253\u958b\u4efb\u4f55\u4e00\u4efd\u82f1\u6587\u5831\u7d19\uff0c\u4f60\u90fd\u6703\u770b\u5230\u516c\u53f8 break the bank<\/em>\u3001\u5bb6\u5ead tighten their belts<\/em>\u3001\u65b0\u7522\u54c1\u8b8a\u6210 cash cow<\/em> \u7684\u6a19\u984c\u3002\u9019\u4e9b\u7247\u8a9e\u7684\u5b57\u9762\u610f\u601d (literal meaning) \u5176\u5be6\u8ddf\u9322\u6c92\u4ec0\u9ebc\u95dc\u4fc2\uff0c\u4f46\u6bcf\u500b\u6bcd\u8a9e\u4eba\u58eb\u4e00\u770b\u5c31\u61c2\uff0c\u56e0\u70ba\u9019\u4e9b\u8868\u9054\u5df2\u7d93\u88ab\u4f7f\u7528\u4e86\u597d\u5e7e\u500b\u4e16\u7d00\u3002<\/p>\n

\u5982\u679c\u4f60\u60f3\u770b\u61c2\u82f1\u6587\u8ca1\u7d93\u65b0\u805e (business news)\u3001\u770b\u96fb\u5f71\u4e0d\u9760\u5b57\u5e55\u3001\u6216\u662f\u548c\u5916\u570b\u540c\u4e8b\u804a\u85aa\u6c34\u8ddf\u623f\u79df\uff0c\u9019\u4e9b money idioms \u662f\u5fc5\u5099\u5de5\u5177\u3002\u5b83\u5011\u4e5f\u7d93\u5e38\u51fa\u73fe\u5728 IELTS \u96c5\u601d\u548c TOEFL \u6258\u798f\u7684\u53e3\u8aaa\u8003\u8a66\u88e1\uff0c\u8003\u5b98\u6703\u7d66\u9053\u5730\u8868\u9054 (natural phrasing) \u6bd4\u8ab2\u672c\u82f1\u6587 (textbook English) \u66f4\u9ad8\u7684\u5206\u6578\u3002\u5982\u679c\u4f60\u60f3\u52a0\u5f37\u6574\u9ad4\u82f1\u6587\u80fd\u529b\uff0c\u53ef\u4ee5\u642d\u914d\u6211\u5011\u7684 \u82f1\u6587\u642d\u914d\u8a5e\u5b78\u7fd2\u6cd5 (collocations method)<\/a>\uff0c\u628a\u55ae\u5b57\u3001\u7247\u8a9e\u3001\u642d\u914d\u8a5e\u4e00\u8d77\u7df4\u8d77\u4f86\u3002<\/p>\n

10 \u500b\u5fc5\u5b78\u91d1\u9322\u82f1\u6587\u7247\u8a9e (10 English idioms about money)<\/h2>\n

1. Cost an arm and a leg \u2014 \u975e\u5e38\u6602\u8cb4<\/h3>\n

\u4e2d\u6587\u610f\u601d (Chinese meaning):<\/strong> \u975e\u5e38\u6602\u8cb4\uff1b\u8cb4\u5230\u8b93\u4eba\u5fc3\u75bc\uff0c\u50f9\u683c\u9060\u8d85\u9810\u671f\u3002<\/p>\n

\u8d77\u6e90 (Origin):<\/strong> \u9019\u500b\u7247\u8a9e\u5728\u4e8c\u6230\u7d50\u675f\u5f8c\u4e0d\u4e45\u958b\u59cb\u51fa\u73fe\u5728\u7f8e\u570b\u5831\u7d19\u4e0a\u3002\u4e00\u500b\u6d41\u884c\u8aaa\u6cd5\u8a8d\u70ba\uff0c\u5b83\u6e90\u81ea\u65bc\u5f9e\u6230\u5834\u6b78\u4f86\u3001\u771f\u7684\u5931\u53bb\u624b\u8173\u7684\u58eb\u5175 \u2014 \u9019\u4e9b\u6b98\u9177\u7684\u4ee3\u50f9\u6210\u70ba\u300c\u5929\u50f9\u300d\u7684\u751f\u52d5\u6bd4\u55bb (a vivid measure of an enormous price)\u3002\u53e6\u4e00\u500b\u8aaa\u6cd5\u5247\u6307\u5411\u65e9\u671f\u7f8e\u570b\u7684\u8096\u50cf\u756b\u5bb6\uff1a\u64da\u8aaa\u756b\u5bb6\u66ff\u5ba2\u6236\u756b\u50cf\u6642\uff0c\u756b\u9032\u624b\u8173\u6703\u984d\u5916\u6536\u8cbb\uff0c\u53ea\u756b\u982d\u548c\u80a9\u8180\u6bd4\u8f03\u4fbf\u5b9c\u3002\u4e0d\u8ad6\u54ea\u500b\u7248\u672c\uff0c\u9019\u500b idiom \u5728 1950 \u5e74\u4ee3\u5df2\u7d93\u6210\u70ba\u65e5\u5e38\u82f1\u6587\u3002<\/p>\n

\u4f8b\u53e5 (Examples):<\/strong><\/p>\n

    \n
  • That handbag is gorgeous, but it costs an arm and a leg. (\u90a3\u500b\u5305\u5305\u5f88\u6f02\u4eae\uff0c\u4f46\u662f\u8cb4\u5f97\u8981\u547d\u3002)<\/li>\n
  • We wanted to renovate the kitchen, but the contractor’s quote was going to cost an arm and a leg. (\u6211\u5011\u672c\u4f86\u60f3\u7ffb\u4fee\u5eda\u623f\uff0c\u53ef\u662f\u627f\u5305\u5546\u7684\u5831\u50f9\u8cb4\u5230\u5687\u4eba\u3002)<\/li>\n<\/ul>\n

    Usage tip:<\/strong> This idiom is informal but completely acceptable in business conversations and emails. Native speakers usually pair it with adjectives like “absolutely,” “literally,” or “really” for emphasis \u2014 for example, “That apartment in central Taipei would absolutely cost an arm and a leg.” It works as a complete clause and can be used in past, present, or future tense without changing form. Avoid it in legal or financial documents where precise numbers are required.<\/p>\n

    \"\u5b58\u9322\u64b2\u6eff<\/div>\n

    2. Bring home the bacon \u2014 \u8cfa\u9322\u990a\u5bb6<\/h3>\n

    \u4e2d\u6587\u610f\u601d:<\/strong> \u8cfa\u9322\u990a\u5bb6\uff1b\u6210\u70ba\u5bb6\u5ead\u7684\u4e3b\u8981\u7d93\u6fdf\u652f\u67f1\u3002<\/p>\n

    \u8d77\u6e90:<\/strong> \u4e3b\u8981\u6709\u5169\u500b\u6545\u4e8b\u3002\u4e00\u500b\u4f86\u81ea\u4e2d\u4e16\u7d00\u82f1\u570b Dunmow \u6751\u7684\u50b3\u7d71 \u2014 \u4efb\u4f55\u5df2\u5a5a\u592b\u5a66\u53ea\u8981\u80fd\u767c\u8a93\u4ed6\u5011\u4e00\u5e74\u53c8\u4e00\u5929\u90fd\u6c92\u5435\u904e\u67b6\uff0c\u5c31\u53ef\u4ee5\u7372\u5f97\u4e00\u6574\u584a\u57f9\u6839 (a side of bacon) \u4f5c\u70ba\u734e\u52f5\u3002\u53e6\u4e00\u500b\u8aaa\u6cd5\u4f86\u81ea\u7f8e\u570b\u5730\u65b9\u6027\u7684\u50b3\u7d71\u5e02\u96c6 (county fairs)\uff0c\u5176\u4e2d\u6709\u300c\u6293\u6cb9\u8c6c\u6bd4\u8cfd\u300d(greased-pig contests)\uff0c\u734e\u54c1\u5c31\u662f\u771f\u7684\u4e00\u982d\u8c6c\u3002\u5230\u4e86\u4e8c\u5341\u4e16\u7d00\u521d\uff0c\u9ad4\u80b2\u8a18\u8005\u7528\u9019\u500b\u7247\u8a9e\u5f62\u5bb9\u62f3\u64ca\u624b\u8d0f\u5f97\u734e\u91d1\uff0c\u5f8c\u4f86\u6162\u6162\u9032\u5165\u65e5\u5e38\u82f1\u6587\u3002<\/p>\n

    \u4f8b\u53e5:<\/strong><\/p>\n

      \n
    • She works two jobs to bring home the bacon while her husband finishes graduate school. (\u5979\u8eab\u517c\u5169\u4efd\u5de5\u4f5c\u8cfa\u9322\u990a\u5bb6\uff0c\u8b93\u8001\u516c\u5c08\u5fc3\u5ff5\u7814\u7a76\u6240\u3002)<\/li>\n
    • Both partners bring home the bacon in our household, so we split the rent evenly. (\u6211\u5011\u5bb6\u662f\u96d9\u85aa\u5bb6\u5ead\uff0c\u6240\u4ee5\u623f\u79df\u5e73\u5206\u3002)<\/li>\n<\/ul>\n

      Usage tip:<\/strong> The phrase carries a friendly, slightly old-fashioned tone, which makes it perfect for casual conversation, family small talk, and even modest job interviews where you want to sound personable. In a business setting, it works best when describing your role or your team’s contribution to revenue. Some learners ask whether it sounds gendered \u2014 modern usage is fully neutral, and you will hear it applied to anyone in a household who earns a paycheck.<\/p>\n

      3. Foot the bill \u2014 \u8cb7\u55ae\uff1b\u8ca0\u64d4\u8cbb\u7528<\/h3>\n

      \u4e2d\u6587\u610f\u601d:<\/strong> \u70ba\u67d0\u4ef6\u4e8b\u60c5\u4ed8\u9322\uff0c\u7279\u5225\u662f\u91d1\u984d\u4e0d\u5c0f\u6216\u662f\u610f\u6599\u4e4b\u5916\u7684\u652f\u51fa\u3002<\/p>\n

      \u8d77\u6e90:<\/strong> \u9019\u88e1\u7684 foot<\/em> \u6307\u7684\u662f\u5beb\u5e33\u55ae (written bill) \u6700\u4e0b\u65b9 (the foot of the page) \u7684\u7e3d\u91d1\u984d\u6b04\u4f4d\u3002\u65e9\u5728\u5341\u4e94\u4e16\u7d00\uff0c\u82f1\u6587\u4f7f\u7528\u8005\u5c31\u7528 to foot<\/em> \u4f86\u8868\u793a\u300c\u628a\u4e00\u6b04\u6578\u5b57\u52a0\u7e3d\u3001\u5beb\u5728\u9801\u5c3e\u300d\u3002\u5230\u4e86\u5341\u4e5d\u4e16\u7d00\uff0c\u300cfoot the bill\u300d\u5f9e\u300c\u7b97\u7e3d\u984d\u300d\u6162\u6162\u6f14\u8b8a\u6210\u300c\u5be6\u969b\u4ed8\u9019\u7b46\u9322\u300d\u3002<\/p>\n

      \u4f8b\u53e5:<\/strong><\/p>\n

        \n
      • The company will foot the bill for our hotel and meals during the conference. (\u51fa\u5dee\u671f\u9593\u98ef\u5e97\u548c\u9910\u8cbb\u7531\u516c\u53f8\u8cb7\u55ae\u3002)<\/li>\n
      • When the pipe burst, our landlord had to foot the bill for repairs. (\u6c34\u7ba1\u7206\u6389\u6642\uff0c\u623f\u6771\u5fc5\u9808\u8ca0\u64d4\u7dad\u4fee\u8cbb\u7528\u3002)<\/li>\n<\/ul>\n

        Usage tip:<\/strong> This is one of the most useful business English idioms because it appears constantly in negotiations, expense reports, and project planning. A close synonym is “pick up the tab,” which is even more casual. In formal writing, “cover the cost” or “bear the expense” may be safer alternatives, but “foot the bill” is widely accepted in business emails and meetings. The verb is regular: footed, footing, will foot.<\/p>\n

        \"\u5546\u696d\u6703\u8b70<\/div>\n

        4. Money doesn’t grow on trees \u2014 \u9322\u4e0d\u662f\u5929\u4e0a\u6389\u4e0b\u4f86\u7684<\/h3>\n

        \u4e2d\u6587\u610f\u601d:<\/strong> \u9322\u4e0d\u662f\u7121\u9650\u7684\uff0c\u5fc5\u9808\u52aa\u529b\u8cfa\u53d6\uff0c\u4e0d\u80fd\u96a8\u4fbf\u6d6a\u8cbb\u3002<\/p>\n

        \u8d77\u6e90:<\/strong> \u9019\u53e5\u8afa\u8a9e (proverb) \u81f3\u5c11\u5f9e\u5341\u516b\u4e16\u7d00\u5c31\u5728\u82f1\u6587\u4e2d\u88ab\u8a18\u8f09\uff0c\u985e\u4f3c\u7684\u7248\u672c\u5728\u5f88\u591a\u8a9e\u8a00\u4e2d\u90fd\u6709\u3002\u6bd4\u55bb\u5f88\u76f4\u767d\uff1a\u6a39\u6703\u5e74\u5fa9\u4e00\u5e74\u81ea\u7136\u7d50\u51fa\u679c\u5be6\uff0c\u4e0d\u9700\u8981\u4eba\u985e\u52aa\u529b\uff0c\u4f46\u9322\u4e0d\u6703\u3002\u7236\u6bcd\u5f9e\u4ee5\u524d\u5c31\u7528\u9019\u53e5\u8a71\u63d0\u9192\u5b69\u5b50\uff0c\u6bcf\u4e00\u584a\u9322\u90fd\u4ee3\u8868\u771f\u5be6\u7684\u52de\u52d5 (real work)\u3002<\/p>\n

        \u4f8b\u53e5:<\/strong><\/p>\n

          \n
        • You want another video game already? Money doesn’t grow on trees. (\u4f60\u53c8\u8981\u8cb7\u904a\u6232\uff1f\u9322\u4e0d\u662f\u5929\u4e0a\u6389\u4e0b\u4f86\u7684\u3002)<\/li>\n
        • The CEO reminded the team that money doesn’t grow on trees and asked everyone to cut travel expenses. (\u57f7\u884c\u9577\u63d0\u9192\u5718\u968a\u9322\u4e0d\u662f\u6191\u7a7a\u8b8a\u51fa\u4f86\u7684\uff0c\u8981\u6c42\u5927\u5bb6\u524a\u6e1b\u51fa\u5dee\u8cbb\u7528\u3002)<\/li>\n<\/ul>\n

          Usage tip:<\/strong> This proverb is most often used as a complete sentence, almost as a reminder or scolding. Parents say it to children, managers say it to teams, and politicians say it to voters. Because it has a slightly preachy tone, avoid it when you are the one asking for money \u2014 it can feel passive-aggressive. Instead, use it when you are explaining your own decision to spend less or save more carefully.<\/p>\n

          5. Save for a rainy day \u2014 \u672a\u96e8\u7da2\u7e46\uff1b\u5b58\u9322\u5099\u4e0d\u6642\u4e4b\u9700<\/h3>\n

          \u4e2d\u6587\u610f\u601d:<\/strong> \u628a\u9322\u5b58\u8d77\u4f86\uff0c\u4ee5\u5099\u5c07\u4f86\u7a81\u767c\u72c0\u6cc1\u6216\u7dca\u6025\u9700\u8981\u3002<\/p>\n

          \u8d77\u6e90:<\/strong> \u9019\u500b\u7247\u8a9e\u53ef\u8ffd\u6eaf\u5230\u5341\u516d\u4e16\u7d00\u7684\u82f1\u6587\uff0c\u66f4\u65e9\u7684\u7fa9\u5927\u5229\u6587\u4e5f\u6709\u985e\u4f3c\u7248\u672c\u3002\u5728\u8fb2\u696d\u793e\u6703 (agricultural societies) \u4e2d\uff0c\u96e8\u6c34\u65e2\u662f\u8fb2\u4f5c\u7269\u7684\u547d\u8108\uff0c\u4e5f\u8c61\u5fb5\u58de\u904b\u6c23 \u2014 \u66b4\u98a8\u96e8\u53ef\u80fd\u6bc0\u4e86\u4e00\u5929\u7684\u5de5\u4f5c\u6216\u4e00\u6279\u8ca8\u7269\u3002\u628a\u9322\u5b58\u8d77\u4f86\u300c\u70ba\u4e86\u90a3\u500b\u96e8\u5929\u300d\u5c31\u6210\u4e86\u8ca1\u52d9\u6e96\u5099 (financial preparation) \u7684\u96b1\u55bb\u3002\u9019\u500b\u8868\u9054\u5f9e 1500 \u5e74\u4ee3\u7684\u5287\u672c\u6d41\u50b3\u5230\u4eca\u5929\uff0c\u4ecd\u7136\u662f\u500b\u4eba\u7406\u8ca1\u6587\u7ae0 (personal finance) \u6700\u5e38\u5f15\u7528\u7684\u53e5\u5b50\u4e4b\u4e00\u3002<\/p>\n

          \u4f8b\u53e5:<\/strong><\/p>\n

            \n
          • Even though I’m tempted to splurge on a new phone, I’m saving for a rainy day instead. (\u96d6\u7136\u5f88\u60f3\u63db\u65b0\u624b\u6a5f\uff0c\u4f46\u6211\u9084\u662f\u628a\u9322\u5b58\u8d77\u4f86\u4ee5\u5099\u4e0d\u6642\u4e4b\u9700\u3002)<\/li>\n
          • His grandparents lived through tough times, so they always told him to save for a rainy day. (\u4ed6\u7956\u7236\u6bcd\u7d93\u6b77\u904e\u8271\u56f0\u6b72\u6708\uff0c\u6240\u4ee5\u4e00\u76f4\u53ee\u5680\u4ed6\u8981\u672a\u96e8\u7da2\u7e46\u3002)<\/li>\n<\/ul>\n

            Usage tip:<\/strong> This is one of the most positive and widely loved money idioms in English. You can use it as a verb phrase (“I’m saving for a rainy day”), a noun phrase (“a rainy day fund”), or as gentle advice (“you should save for a rainy day”). Personal finance writers, banking ads, and grandparents all use it. Pair it with concrete numbers in conversation: “I try to put twenty percent of my paycheck aside for a rainy day.”<\/p>\n

            \"\u9322\u5305\u4ed8\u6b3e<\/div>\n

            6. Tighten your belt \u2014 \u7701\u5403\u5109\u7528\uff1b\u52d2\u7dca\u8932\u5e36<\/h3>\n

            \u4e2d\u6587\u610f\u601d:<\/strong> \u6e1b\u5c11\u82b1\u8cbb\uff1b\u56e0\u70ba\u6536\u5165\u6e1b\u5c11\u6216\u7269\u50f9\u4e0a\u6f32\u800c\u904e\u5f97\u66f4\u7bc0\u7701\u3002<\/p>\n

            \u8d77\u6e90:<\/strong> \u9019\u662f\u4e00\u500b\u975e\u5e38\u5177\u9ad4\u7684\u756b\u9762 \u2014 \u98df\u7269\u5331\u4e4f (food was scarce)\u3001\u4eba\u5011\u7626\u4e0b\u4f86\u6642\uff0c\u5fc5\u9808\u771f\u7684\u628a\u76ae\u5e36\u675f\u7dca\u4e00\u9ede\uff0c\u8932\u5b50\u624d\u4e0d\u6703\u6389\u4e0b\u4f86\u30021930 \u5e74\u4ee3\u7f8e\u570b\u7d93\u6fdf\u5927\u856d\u689d (the Great Depression) \u671f\u9593\uff0c\u58eb\u5175\u548c\u52de\u5de5\u7d93\u5e38\u7528\u9019\u500b\u7247\u8a9e\u5f62\u5bb9\u7576\u6642\u7684\u751f\u6d3b\uff0c\u6574\u500b\u7d93\u6fdf\u9ad4\u88ab\u8feb\u9032\u5165\u7dca\u7e2e (austerity)\u3002\u9019\u500b\u8868\u9054\u5f88\u5feb\u5f9e\u300c\u98e2\u9913\u300d\u7684\u5b57\u9762\u610f\u601d\u8b8a\u6210\u300c\u8ca1\u52d9\u7bc0\u5236\u300d\u7684\u6bd4\u55bb (financial restraint)\uff0c\u4eca\u5929\u5f9e\u5bb6\u5ead\u9810\u7b97\u8a0e\u8ad6\u5230\u653f\u5e9c\u653f\u7b56\u8faf\u8ad6\u90fd\u53ef\u80fd\u807d\u5230\u5b83\u3002<\/p>\n

            \u4f8b\u53e5:<\/strong><\/p>\n

              \n
            • Now that we have a baby, we’ll need to tighten our belts and skip the holiday this year. (\u6709\u4e86\u5bf6\u5bf6\u4e4b\u5f8c\uff0c\u6211\u5011\u5f97\u52d2\u7dca\u8932\u5e36\uff0c\u4eca\u5e74\u7684\u65c5\u904a\u5c31\u5148\u53d6\u6d88\u3002)<\/li>\n
            • The whole department had to tighten its belt after the company missed its quarterly targets. (\u516c\u53f8\u6c92\u9054\u5230\u5b63\u5ea6\u76ee\u6a19\u5f8c\uff0c\u6574\u500b\u90e8\u9580\u90fd\u5f97\u7701\u5403\u5109\u7528\u3002)<\/li>\n<\/ul>\n

              Usage tip:<\/strong> Use this idiom when describing temporary financial restraint, not permanent poverty. It usually implies that things will get better, which makes it sound resilient rather than negative. In professional settings, leaders often say “we need to tighten our belts” to soften unpopular news like budget cuts or smaller bonuses. Pair it with a time frame to sound natural: “tighten our belts for a quarter,” “tighten our belts until the project ships.”<\/p>\n

              7. Pay through the nose \u2014 \u82b1\u5927\u9322\uff1b\u88ab\u6572\u7af9\u69d3<\/h3>\n

              \u4e2d\u6587\u610f\u601d:<\/strong> \u70ba\u67d0\u6a23\u6771\u897f\u4ed8\u51fa\u4e0d\u5408\u7406\u7684\u9ad8\u50f9\uff1b\u88ab\u72e0\u72e0\u6572\u4e86\u4e00\u7b46\u3002<\/p>\n

              \u8d77\u6e90:<\/strong> \u6700\u6232\u5287\u5316\u7684\u8aaa\u6cd5\u53ef\u4ee5\u8ffd\u6eaf\u5230\u4e5d\u4e16\u7d00\uff0c\u64da\u8aaa\u7576\u6642\u7684\u4e39\u9ea5\u4eba (the Danes) \u5c0d\u611b\u723e\u862d\u4eba\u8ab2\u5fb5\u300c\u9f3b\u5b50\u7a05\u300d(nose tax)\uff0c\u62d2\u7d55\u7e73\u7d0d\u8005\u9f3b\u5b50\u6703\u88ab\u5272\u958b\u3002\u96d6\u7136\u591a\u6578\u73fe\u4ee3\u5b57\u6e90\u5b78\u5bb6\u5c0d\u9019\u500b\u6545\u4e8b\u62b1\u6301\u61f7\u7591\uff0c\u4f46\u9019\u500b\u8840\u8165\u7684\u756b\u9762\u537b\u6df1\u690d\u4eba\u5fc3\u3002\u5230\u4e86\u5341\u4e03\u4e16\u7d00\uff0c\u82f1\u570b\u4f5c\u5bb6\u5df2\u7d93\u628a pay through the nose<\/em> \u7528\u4f86\u8868\u793a\u300c\u4ed8\u5230\u8b93\u4eba\u5fc3\u75db\u7684\u50f9\u683c\u300d\uff0c\u7121\u8ad6\u771f\u7684\u9f3b\u5b50\u6709\u6c92\u6709\u88ab\u6ce2\u53ca\u3002<\/p>\n

              \u4f8b\u53e5:<\/strong><\/p>\n

                \n
              • If you buy concert tickets from a scalper, you’ll pay through the nose. (\u8ddf\u9ec3\u725b\u8cb7\u6f14\u5531\u6703\u7968\u6703\u88ab\u6572\u7af9\u69d3\u3002)<\/li>\n
              • Tourists often pay through the nose for water and snacks near famous attractions. (\u89c0\u5149\u5ba2\u5728\u71b1\u9580\u666f\u9ede\u9644\u8fd1\u8cb7\u6c34\u8ddf\u96f6\u98df\u5e38\u5e38\u88ab\u7576\u76e4\u5b50\u6572\u3002)<\/li>\n<\/ul>\n

                Usage tip:<\/strong> This idiom carries strong emotion \u2014 frustration, regret, or shock at how expensive something was. Use it when telling stories about overpriced experiences, but avoid it in formal complaints or legal correspondence. In speech, native speakers often add “really” or “absolutely” for emphasis. A close synonym is “pay an arm and a leg,” but “pay through the nose” specifically suggests that the price felt unfair, not just high.<\/p>\n

                \"\u9810\u7b97\u898f\u5283<\/div>\n

                8. Break the bank \u2014 \u82b1\u5149\u7a4d\u84c4\uff1b\u8d85\u51fa\u9810\u7b97<\/h3>\n

                \u4e2d\u6587\u610f\u601d:<\/strong> \u82b1\u6389\u8d85\u904e\u81ea\u5df1\u64c1\u6709\u7684\u9322\uff1b\u6216\u662f\u82b1\u4e00\u5927\u7b46\u9322\u8cb7\u67d0\u6a23\u6771\u897f\u3002<\/p>\n

                \u8d77\u6e90:<\/strong> \u9019\u500b\u7247\u8a9e\u4f86\u81ea\u8ced\u5834 (gambling)\u3002\u5728\u8ced\u5834\u904a\u6232\u88e1\uff0c\u300cthe bank\u300d\u662f\u8ced\u5834\u70ba\u67d0\u5f35\u8ced\u684c\u6e96\u5099\u7684\u7c4c\u78bc\u7e3d\u984d\u3002\u5982\u679c\u6709\u73a9\u5bb6\u904b\u6c23\u8d85\u597d\u3001\u8d0f\u5230\u628a\u6574\u684c\u7684\u9322\u90fd\u62ff\u5149\uff0c\u9019\u500b\u73a9\u5bb6\u5c31\u5b57\u9762\u610f\u7fa9\u5730\u300c\u6253\u7834\u4e86 bank\u300d\u3002\u5230\u4e86\u5341\u4e5d\u4e16\u7d00\uff0c\u9019\u500b\u7247\u8a9e\u5f9e\u8ced\u5834\u9032\u5165\u65e5\u5e38\u82f1\u6587\uff0c\u73fe\u5728\u7528\u4f86\u5f62\u5bb9\u4efb\u4f55\u8b93\u9810\u7b97 (budget) \u5927\u5931\u8840\u7684\u958b\u92b7 \u2014 \u901a\u5e38\u4ee5\u5426\u5b9a\u53e5\u51fa\u73fe\uff1a“It won’t break the bank.”<\/em>\uff08\u9019\u4e0d\u6703\u82b1\u4f60\u592a\u591a\u9322\u3002\uff09<\/p>\n

                \u4f8b\u53e5:<\/strong><\/p>\n

                  \n
                • You can throw a great birthday party without breaking the bank. (\u4f60\u53ef\u4ee5\u8fa6\u4e00\u5834\u5f88\u68d2\u7684\u751f\u65e5\u8db4\uff0c\u4e0d\u9700\u8981\u82b1\u5149\u7a4d\u84c4\u3002)<\/li>\n
                • She found a wedding dress that looked stunning and didn’t break the bank. (\u5979\u627e\u5230\u4e00\u4ef6\u8d85\u7f8e\u7684\u5a5a\u7d17\uff0c\u50f9\u683c\u4e5f\u6c92\u6709\u8cb4\u5230\u4e0d\u884c\u3002)<\/li>\n<\/ul>\n

                  Usage tip:<\/strong> The most common form is the negative \u2014 “won’t break the bank” \u2014 which is reassuring and friendly. Travel writers, marketing copy, and gift guides love this version because it tells readers that something is affordable. The positive form is rarer in modern usage and tends to appear in headlines about expensive purchases or major business deals. Both forms are conversational and work in casual emails or social posts.<\/p>\n

                  9. Cash cow \u2014 \u91d1\u96de\u6bcd\uff1b\u7a69\u5b9a\u7684\u6416\u9322\u6a39<\/h3>\n

                  \u4e2d\u6587\u610f\u601d:<\/strong> \u4e00\u500b\u4e8b\u696d\u3001\u7522\u54c1\u6216\u6295\u8cc7\u80fd\u6301\u7e8c\u3001\u7a69\u5b9a\u5730\u7522\u751f\u6536\u5165\uff0c\u4e14\u4e0d\u592a\u9700\u8981\u984d\u5916\u6295\u5165\u5fc3\u529b\u3002<\/p>\n

                  \u8d77\u6e90:<\/strong> \u9019\u500b\u6bd4\u55bb\u4f86\u81ea\u8fb2\u696d \u2014 \u4e00\u982d\u6bcd\u725b\u662f\u9577\u671f\u3001\u7a69\u5b9a\u7684\u725b\u5976\u548c\u5c0f\u725b\u4f86\u6e90 (a long-term source of milk and calves)\u3002\u4e8c\u5341\u4e16\u7d00\u4e2d\u8449\u7684\u5546\u696d\u4f5c\u5bb6\u501f\u7528\u9019\u500b\u756b\u9762\u4f86\u5f62\u5bb9\u300c\u4e00\u65e6\u5efa\u7acb\u8d77\u4f86\u3001\u5c31\u80fd\u5e74\u5fa9\u4e00\u5e74\u7522\u751f\u6536\u5165\u7684\u7522\u54c1\u300d\u30021970 \u5e74\u4ee3\u7684 Boston Consulting Group\uff08\u6ce2\u58eb\u9813\u9867\u554f\u516c\u53f8\uff09\u4ee5\u300c\u6210\u9577\u77e9\u9663\u300d(Growth-Share Matrix) \u628a\u9019\u500b\u8853\u8a9e\u6b63\u5f0f\u5316 \u2014 \u5728\u90a3\u5f35\u77e9\u9663\u88e1\uff0c\u6210\u719f\u3001\u7372\u5229\u7a69\u5b9a\u7684\u7522\u54c1\u88ab\u5b98\u65b9\u6b78\u985e\u70ba\u300ccash cows\u300d\u3002<\/p>\n

                  \u4f8b\u53e5:<\/strong><\/p>\n

                    \n
                  • The original game has become a cash cow for the studio thanks to in-app purchases. (\u9019\u6b3e\u539f\u59cb\u904a\u6232\u9760\u5167\u8cfc\u8b8a\u6210\u5de5\u4f5c\u5ba4\u7684\u91d1\u96de\u6bcd\u3002)<\/li>\n
                  • Renting out their second apartment turned out to be a real cash cow for the family. (\u628a\u7b2c\u4e8c\u9593\u516c\u5bd3\u51fa\u79df\uff0c\u6210\u4e86\u9019\u5bb6\u4eba\u771f\u6b63\u7684\u6416\u9322\u6a39\u3002)<\/li>\n<\/ul>\n

                    Usage tip:<\/strong> This is the most business-focused idiom on the list and the one most likely to appear in financial reports, startup pitches, and product strategy meetings. It can be a compliment, but it can also imply that a product is mature and may be losing growth potential. Use it carefully when describing someone else’s business \u2014 calling a beloved product a “cash cow” can sound dismissive of its creative value. In your own business, it is a clear, confident way to describe steady revenue.<\/p>\n

                    \"\u8cfc\u7269\u6d88\u8cbb<\/div>\n

                    10. A penny for your thoughts \u2014 \u5728\u60f3\u4ec0\u9ebc\uff1f\u544a\u8a34\u6211\u5427<\/h3>\n

                    \u4e2d\u6587\u610f\u601d:<\/strong> \u4e00\u7a2e\u89aa\u5207\u7684\u554f\u6cd5\uff0c\u7528\u4f86\u554f\u5c0d\u65b9\u300c\u4f60\u5728\u60f3\u4ec0\u9ebc\uff1f\u300d\uff0c\u7279\u5225\u662f\u7576\u5c0d\u65b9\u5f88\u5b89\u975c\u6216\u5fc3\u4e0d\u5728\u7109\u7684\u6642\u5019\u3002<\/p>\n

                    \u8d77\u6e90:<\/strong> \u9019\u500b\u7247\u8a9e\u6700\u65e9\u51fa\u73fe\u5728 1500 \u5e74\u4ee3\uff0c\u7d00\u9304\u5728 Sir Thomas More \u7684\u8457\u4f5c Four Last Things<\/em> \u4e2d\u3002\u5341\u516d\u4e16\u7d00\u7684\u4fbf\u58eb (penny) \u662f\u6709\u5be6\u8cea\u50f9\u503c\u7684\u8ca8\u5e63\uff0c\u6240\u4ee5\u300c\u7d66\u4f60\u4e00\u4fbf\u58eb\u300d\u8c61\u5fb5\u6027\u5730\u628a\u5c0d\u65b9\u6c89\u9ed8\u7684\u60f3\u6cd5\u8996\u70ba\u503c\u5f97\u8cfc\u8cb7\u7684\u6771\u897f\u3002\u5373\u4f7f\u73fe\u5728\u7684\u4fbf\u58eb\u5e7e\u4e4e\u6c92\u6709\u50f9\u503c\uff0c\u9019\u500b\u8868\u9054\u4ecd\u7136\u4fdd\u7559\u4e0b\u4f86\uff0c\u662f\u82f1\u6587\u4e2d\u6700\u6eab\u67d4\u7684\u95dc\u5fc3\u5c0d\u65b9\u7684\u65b9\u5f0f\u4e4b\u4e00\u3002<\/p>\n

                    \u4f8b\u53e5:<\/strong><\/p>\n

                      \n
                    • You’ve been quiet all evening \u2014 a penny for your thoughts? (\u4f60\u6574\u665a\u90fd\u5f88\u5b89\u975c\uff0c\u5728\u60f3\u4ec0\u9ebc\u5462\uff1f)<\/li>\n
                    • She stared out the window during the meeting, so I leaned over and whispered, “A penny for your thoughts?” (\u5979\u958b\u6703\u6642\u4e00\u76f4\u76ef\u8457\u7a97\u5916\uff0c\u6211\u50be\u8eab\u4f4e\u8072\u554f\uff1a\u300c\u4f60\u5728\u60f3\u4ec0\u9ebc\uff1f\u300d)<\/li>\n<\/ul>\n

                      Usage tip:<\/strong> This is the gentlest idiom on the list. Use it with friends, family, and close colleagues \u2014 not in formal business meetings or with people you barely know. The tone is curious and warm, never invasive. Native speakers often say it with a small smile, and the question can also serve as an invitation to vent. A common variation is “penny for your thoughts?” without the article, used even more casually between close friends.<\/p>\n

                      \u770b\u5f71\u7247\u5b78\u767c\u97f3 (Watch and listen)<\/h2>\n

                      \u4e0b\u9762\u9019\u652f\u5f71\u7247\u7531 Interactive English \u88fd\u4f5c\uff0c\u6db5\u84cb\u597d\u5e7e\u500b\u672c\u6587\u63d0\u5230\u7684\u91d1\u9322\u82f1\u6587\u7247\u8a9e\uff0c\u9644\u4e0a\u6bcd\u8a9e\u4eba\u58eb\u7684\u4f8b\u53e5\u548c\u6e05\u695a\u7684\u767c\u97f3\u793a\u7bc4 \u2014 \u5b78\u5b8c\u4e4b\u5f8c\u7acb\u523b\u8a66\u8457\u6a21\u4eff\u8aaa\u4e00\u904d\uff1a<\/p>\n