Unit 33: Personal Finance - English Collocations in Use UNIT 33: PERSONAL FINANCE I. Lý thuyết (Collocations) Học tập các cụm từ thuộc chủ đề Quản lý tài chính cá nhân và Tội phạm tài chính: A. Managing your finances (Quản lý tài chính cá nhân) While you're doing your degree, your main source of income may be a student loan or, if you're lucky, a grant or scholarship. But you may well still need to supplement your income by getting some kind of part-time work. Here are some tips for avoiding financial problems: * Open a current account at the campus bank – they have a team there which specialises in helping students with their financial matters. * If you get into debt , try to clear your debts as soon as possible. * If things are difficult, you may have to economise by, say, cutting down on luxuries . This is far better than running up huge debts . * If you have a credit-card debt, try to make a payment every month, however small. Never exceed your agreed credit limit . * It's a bad idea to borrow heavily to repay your debts. Always seek advice from your bank about how to clear outstanding debts and pay back loans. * Never run up an overdraft if you can avoid it. If you do need one, remember that most banks will offer students an interest-free overdraft . B. Financial crimes and disputes (Tội phạm và tranh chấp tài chính) * Credit-card fraud has reached an all-time high. One in ten people are the victims of identity theft and the crime is on the increase. * Mr Ambrose spent a fortune staying at expensiv...