prepayment, downpayment, afterpayment, by card/ in cash, Currency exchange, discount, spend on/waste on, Salary, Checkout/ Cash desk, refund, profit, expenses, utility, cost-effective, charge, keep yourself on budget, withdraw, pay off, cut down on, mortgage, from paycheck to paycheck, fee, afford, ATM, financial cushion, debt, owe, put aside, car lease, pay off, Income, Invoice/bill, Borrow from, Lend to, objective, be caught in traffic, be onto sth, ramble, time-consuming, get it down/ take notes, facilitate, takeaway, run through, contribute, obstacle, agenda, out of scope, in-person, be carried away, to get off topic, point out, emphasize, kick off, wrap up, well-defined, within the boundaries, beyond boundaries, thriving, a gap in the market, capture market, fierce competition, make a trade-off, strive to outperform rivals, reap the benefits, pursue, differentiation, a decent spot, pioneer, descendent, rival, expand, take into account, hang out, overnight success, You reap what you sow, persistent, Unconfident, untidy, polite, kind, generous, personality characteristics, confident, hard-working, quiet, rude, responsible, irresponsible, loyal, dishonest, weird, energetic, moody, punctual, bossy, impatient, intelligent, Two-faced, unreliable

Dima (Dec-Jan)

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