Lektura "The Wise Parent Money Strategies" (część III)

convey - wyrażać, przekazać, oddawać (znaczenie, pojęcie)
I did not have to read the rest of the article as the title itself was enough to convey the rest of the message.

barely - ledwie, tylko, jedynie
For me it was a tough time, barely having enough money to pay for food.

tuition fee - czesne
Luckily my tuition fees were covered by...

misuse - niewłaściwie wykorzystywać
Don’t misused your credit card

interest charges - koszt kredytu, prowizja
In addition to the amount you pay for purchasing that something, you also have to pay additional cost on interest charges.

temptation - pokusa
By nature, human’s find it hard to avoid impulse buying when faced with temptation.

shopping mall - centrum handlowe
Avoid the shopping malls or department stores.

jot down - zanotować, zapisać
Tracking your spending is very easy to do just by keeping a small notebook to jot down the amount every time money flows out from your pocket, wallet or purse.

sway - przekonać, przekabacić
You will also think twice before being swayed easily by any marketing gimmicks.

beforehand - z góry
Have you ever notice that when you plan something beforehand it would turn out to be better compared to something that you did with no prior planning or preparation?

rigid budget - sztywny, ścisły, surowy budżet
Your budget can be flexible and not rigid.

compounding interest - procent składany (sposób oprocentowania wkładu pieniężnego, polegający na tym, że np. roczny dochód w postaci odsetek jest doliczany do wkładu i procentuje wraz z nim w roku następnym)
The good thing about it is it will continue to grow from the interest earned and through the result of compounding interest.

penniless - bez grosza przy duszy
If you don’t wish to be penniless later in life, start saving early, start now.

take something for granted - przyjmować coś za rzecz oczywistą
reckless - lekkomyślny, nierozważny
Do not take everything for granted and this will prevent you from behaving or handling your money recklessly.

complacent - zadowolony z siebie
don't be complacent and comfortable with what you are earning now

Lektura "The Wise Parent Money Strategies" (część II)

living from paycheck to paycheck - życie od wypłaty do wypłaty (od pierwszego do pierwszego)

overseas holidays - wycieczka zagraniczna, wakacje za granicą
Forget about luxury things or overseas holidays.

accumulate money - zgromadzić pieniądze
What I was earning was so little it would take me forever to accumulate money to get the things I wanted.

tracking expenses - śledzenie wydatków

affordable - przystępna (cena)
If I wanted to reward myself, I do it in a realistic and affordable way.

dreaded - straszny, straszliwy
Retirement period will be a dreaded time for these people,

bundle - fortuna, duża ilość pieniędzy
In the long run, it will save you a bundle.

pot-luck dinner - wspólna (składkowa) kolacja
If you want a friend’s gathering, suggest a pot-luck dinner instead.

makeover - odnowa, przeróbka, remont
For example, a baby’s room makeover may not be necessary.

stroller - wózek dziecięcy
Initially you may postpone to buy the stroller, high chair, toys, etc. until you actually need them.

outgrow clothes - wyrastać z rzeczy
A practical advice is to just buy the minimum number of clothing as babies or young kids really outgrow their clothes very fast.

subsequent - następny, kolejny, późniejszy
Keep the clothing properly and you may find that
you can use them years later for subsequent babies.

pile up - gromadzić się
then that is where debt begins to pile up.

abode - miejsce zamieszkania, siedziba, miejsce pobytu
If you don’t have that money then you may have to postpone your plans first or get a cheaper abode.

Lektura "The Wise Parent Money Strategies" (część I)

frugal, frugality, frugally - oszczędny, oszczędność, oszczędnie
For peace of mind, we would rather save money and lead a frugal life now instead of finding ourselves
without money for living expenses later on.

relief - pomoc, zadośćuczynienie, rekompensata
It would be a great relief not to worry about not having enough money for the entire family.

keep track - śledzić, być na bieżąco, dokumentować, prowadzić zapiski, protokołować
just keep track of all your expenses for at least 2 months

grocery - sklep spożywczy
Note down even minor expenses like your coffee or newspaper
purchases every morning to grocery bills during the weekends.

spending habits - preferencje wydawania pieniędzy (?)
Your record will eventually show you what is your spending habits or patterns and where your money is going.
your money is going.

overspending - żyć ponad stan, wydawać więcej niż się zarabia
If you are not living within your means, meaning you are spending more money than what you are earning then you are
overspending.

dining out - jeść na zewnątrz (na mieście)
For some people, it may be too much dining out, movies every week, the shopping spree, expensive phone charges.

expenditure - wydatki
If they want to cut down on spending, they may want to reduce expenditure from this column first

mortgage - kredyt hipoteczny, hipoteka
fix expenses like phone bills, electricity bills, mortgage payments, etc.

worthwhile - wart czasu, opłacalny, wart zachodu
it is a worthwhile exercise to ensure you are on the right track

happy-go-lucky - lekkomyślny, niefrasobliwy
Tom is a happy-go-lucky type of person and is always optimistic about his future.

bargain - korzystny, intratny, okazyjny, okazja, tranzakcja
. He also bought a car a few months after working but he bought a second-hand car at a great bargain price.

careal - płatki zbożowe, zboże
He eats a simple breakfast such as cereal or toast with omelet and coffee.

weakness - słabość
This is one of the weaknesses of the human nature.