お金(=Okane) Money related lesson!


:h: 「儲かりまっか?」(=Moukarimakka?)

“How’s business?”

:maggie-small: 「ぼちぼちでんなあ…」(=Bochibochi dennaa..)

“Just getting by..”

Today we will start with 大阪弁(=Osaka-ben) Osaka dialect! Personally I love the sound of Osaka-ben. It sounds fun and friendly!  It sounds very familiar because we hear it all the time on the お笑い番組(=Owarai terebi bangumi) TV comedy shows.Check my previous lesson 笑う(=warau) to laugh

The dialogue in the picture is a typical phrase in a business scene in Osaka. Everybody in Japan knows it even if they are not from Osaka so as まいど(毎度)! (=maido). (It literally means “every time” but it means “Hi!“)  We sometimes joke around using the phrases.

「まいど!どうでっか?もうかりまっか?(=Maido! Doudekka? Moukari makka?)


If I need to “translate” into 標準語(=hyoujungo)(standard Japanese) it would be like this :

今日は!(or どうも!)調子はどうですか?商売の方はうまくいっていますか?

(=Konnichiwa! (or Doumo!) Choushi wa doudesuka? Shoubai no hou wa umaku itte imasuka?)

“Hi, how is it going? How’s business?”


•「儲かりまっか?」(=Moukarimakka?) “How’s business?”

儲かる(=moukaru) means to make money, to make a profit

Ex. ギャンブルで儲かる(=ganburu de moukaru) to make lots of money gambling

~まっか?(=makka?)Osaka dialect=~ますか?(=masuka?)

So the direct translation will be “Are you making lots of money?” “How is your money situation?”

How’s business?

It is originally from a common greeting of 浪花の商人(=Naniwa no akindo) Osaka area’s merchants Osaka people has a reputation of being business-oriented and tight with money like bargaining here and there. I wrote in my previous lesson of 労る(=itawaru) that Japanese people tend avoid to be too direct. So I think it is interesting that they use this straight forward question naturally.

You are supposed to answer to this question if the business is going relatively well,


(=Bochibochi dennaa?)

“Just getting by.” “So-so!”


(=Maa maa desu.)



(=Maa nantoka yatte imasu.)


ぼちぼち(=bochibochi) little by little, slowly, soon


(=Bochibochi kaerimasu.)

I will get going. (Not in a hurry way.)

ぼちぼち勉強します。(=Bochibochi benkyou shimasu.)  I will study little by little.

でんなあ(=dennaa) Osaka dialect = ですねえ (=desunee)

If you are not making money or not doing well, you say :

「あきまへんわ!」(=Akimahen wa) Osaka dialect

= だめです。(=damedesu) /上手くいっていません。(=Umaku itte imasen.) Not at all! Not doing good..

OK! Enough for Osaka dialects.

Today’s lesson is about MONEY!!

金 かね(=kane)/きん(=kin)

かね=kane) for money and きん(=kin) refers gold (Ex. 金のネックレス(=kin no nekkuresu) gold neckless)

We usually say お金 (=okane) for money. If you say (=kane), it sounds blunt and not sophisticated.

(Ex. 1) 金が欲しい(=kane ga hoshii) 2) お金が欲しい(=Okane ga hoshii) I want money.

→2) sounds more polite.)

:ee: <Money related expressions!>

お金がかかる(=okane ga kakkaru) to cost money

Ex. 子供の教育にお金がかかる。(=Kodomo no kyouiku ni okane ga kakaru)

A child’s education costs a lot of money.

お金がある(=okane ga aru)to have money

Ex. あの家にはあり余る程、お金がある。(=Ano ie ni wa ariamaru hodo okanega aru.)

That family is loaded. 

:rrrr: あり余る(=ariamaru)=more than abundant, roll in

•金持ち(=kanemochi) rich =豊か(=yutaka) =裕福(=yuufuku) 貧乏(=binbou) =貧しい(=mazushii)  poor

Ex. 彼の家は金持ち豊か/裕福だから何でも買える。

(=Kare no ie wa kanemochi/yutaka/yuufuku  dakara nan demo kaeru.)

His family is rich so that he can afford anything.

*持つ(=motsu) to hold, to have

Ex. うちの子供はお金を持たせるとすぐに使ってしまう。

(=Uchi no kodomo wa okane wo motaseru to suguni tsukatte shimau.)

As soon as I give my kid money, he spends it right away.

•お金がない (=okane ga nai) not to have money

Ex. 今月は全くお金がないです。

(=Kongetsu wa mattaku okane ga nai desu.)


(=Kongetsu wa mattaku okane ga arimasen.)  

I don’t have money at all this month.

•お金が足りない  (=okane ga tarinai) short of money

Ex. ちょっとお金が足りないから貸してくれる?

(=Chotto okane ga tarinai kara kashite kureru?)

I am a little short (on money). Can you lend me some?

•お金に困る  (=okane ni komaru) be pinched for money

Ex. 彼はちょっとお金に困っている様子だった。
(=Kare wa chotto okane ni komatte iru yousu datta.)
He seemed to be pinched for money.

•お金が乏しい  (=okane ga toboshii) to be scarce of money

Ex. 今月はお金が乏しい。
(=Kongetsu wa okane ga toboshii.)
This month is tight.

(=Kongetsu wa kibishi)

(=Kongetsu wa saifu ga kibishii) 
*財布(=saifu) wallet

= 今月は(お金が)苦しい
(=Kongetsu wa (okane ga) kurushii)

We also say 金銭的に(=Kinsenteki ni) money wise instead of お金が(=okane ga)

Note : 金銭(=kinsen) money  formal

Ex. 金銭トラブル
(=kinsen toraburu)
money involved troubles

*(=zeni) also means money but it is old fashioned. But we use it with other kanjis.
Ex.無銭飲食(=musen inshoku) eat at a restaurant and leave without paying.

•お金を使う  (=okane wo tsukau) to spend money

Ex. 彼女はブランド用品を買うのに湯水の様にお金を使う。
(=Kanojo wa burando youhin wo kau noni yumizu no you ni okane  wo tsukau.)
She splurges money for brand-name items.

Note: 湯水の様に like hot water spend money like water

Cf.*お金の使い道(=okane no tsukaimichi)  The way you spend money

現金 (=genkin) cash

小銭 (=kozeni) small change

Ex. (小銭に)崩して下さい。

(=kozeni ni kuzushite kudasai.)

Could you break this?

硬貨(=kouka) coin

コイン(=koin) coin

5(五)円玉(=goen dama) 5 yen coin /10(十)円玉(=juuen dama) 10 yen coin / 50(五十)円玉(=gojuuen dama)50 yen coin /100(百)円玉(=hyakuen dama)100 yen coin /500(五百)円玉 (=gohyakuen dama) 500 yen coin

Also you can call the coins as円硬貨(=en kouka) or コイン(=koin)

(お)札 (=(o)satsu) bill

千円札(=sen en satsu) 1000 yen bill /1万円札(=ichiman en satsu) 10,000 yen bill

札束(=satsutaba) a wad of bills

ピン札(=pinsatsu) crisp banknotes, a brand new bill without wrinkles (We have to use ピン札(=pinnsatu) to use as a gift money for happy occasions.)

はした金(=hashistagane) chicken feed

大金(=taikin) lots of money

Ex. 株で儲けて大金を手にする。

(=Kabu de moukete taikin wo te ni suru.)

To make lots of money in the stock market.

資金(=shikin) funds

Ex. その政治家は資金集めで苦労している。

(=Sono seijika wa shikin atsume de kurou shiteiru.)

The politician has been suffering from fundraising.

お金を貯める  (=okane wo tameru) to save money

あの人は相当(or しこたま)お金を貯めているという噂だ。

(=Ano hito wa soutou(or shikotama) okane wo tamete iru toiu uwasa da.)

They say he has hoarded up money.

貯金(=chokin) savings

貯金をする(=chokin wo suru) to save money

Ex. マギーはコツコツ貯金をしている。
(=Maggie wa kotsukotsu chokin wo shiteiru.)
Maggie is scrimping and saving.

Ex. 貯金が底をつく。(=chokin ga soko wo tuku.)
Run out of savings (literally: to hit the bottom of your savings)

:rrrr: Bank related words :

銀行(=ginkou) bank

銀行預金 (=ginkou yokin) bank savings

預金する(=yokin suru)  to deposit money

通帳 (=tsuuchou) 預金通帳 (=yokin tsuuchou) bank book

預金口座 (=yokin kouza) 銀行口座 (=ginkou kouza)  bank account

口座番号(=kouza bangou) account number

普通預金(=futsuu yokin) ordinary account

当座預金 (=touza yokin) account current

支店番号 (=shiten bangou) branch number

キャッシュカード (=kyasshu kaado) cash card

(銀行)振込 (=ginkou furikomi) bank transfer

verb :振込みする to transfer money

引き出し (=hikidashi)  withdrawing money

verb :引き出しする(=hikidashi suru) to withdraw money

引き落とし (=hikiotoshi) withdrawing money

verb :引き落としする(=hikiotoshi suru) to withdraw money

利子 (=rishi) interest

Ex. 利子がつく to earn interest

利率 (=riritsu) interest rate

手数料 (=tesuuryou) commission

:ee:Cultural note : 

How to hand out money as a gift to people:
It is considered to be rude to hand out gift money without putting it in the envelope in Japan.
That is called 裸銭 (hadaka sen).

(=hadaka) means naked, bare or raw.  So 裸銭 (hadaka sen) means “bare money” which is not in an envelope.
So when you hand out money without envelope, we apologize saying,
「裸銭でごめんなさい。」(=Hadakasen de gomennasai) 
I am sorry that I didn’t put this money in the envelope.

or simply
(=(Kore)Hadaka de gomennasai.)

(=mukidashi de gomennasai)
Sorry that I am exposing this money.

We have a custom to give money gift in certain situations. And each situation has an appropriate envelope to put money in :

お年玉(=otoshidama) New Years gift money for kids
ポチ袋(=pochi bukuro)    Check our New Year’s Lesson!

お見舞い(=omimai) get well money
You can use a simple white envelope and write down お見舞い(=omimai) on it.

お祝い(=oiwai) for celebration
祝儀袋(=shuugi bukuro) or のし袋(=noshibukuro) for happy occasions with red and white or gold string ornaments(→水引mizuhiki)

You have to write these↓ down on the envelope with your name. :u:

Ex. 結婚祝い(=kekkon iwai) money as a wedding gift新築祝い(=shinchiku iwai) housewarming gift, 御出産祝い(=shussan iwai) baby gifts etc.

御礼(=orei) to show your appreciation

お香典(=okouden) condolence money for a funeral香典袋(=kouden bukuro) with black and white string ornaments.

You can buy these special envelopes at a stationery store or even at a convenience store.
One last thing!

:i: How to receive money gift in an envelope :

It is considered to be very rude to open up gift money in front of the person who has just given it to you. As I mentioned before it is also impolite to unwrap a gift that someone brings you as soon as you receive it in a formal situation. So if you receive it, just say thank you with appreciation and put it aside carefully.

frenchbulldog マギー先生より (Maggie-sensei yori) From Maggie-sensei

日本は銀行の利子がとっても低いの。(=Nihon no ginkou wa rishi ga tottemo hikuino.)

The bank interest rates are very low in Japan.


(=Dare ka watashi no taisetu hyakuen wo yonhyaku paasento no riritsu de ichinen azukatte kurenai kashira?)

Anybody wants to keep my precious 100 yen(=$1.00) for a year at 400% interest?

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    1. @Jane

      Hi Jane!
      They are all “interest” in English and some Japanese don’t distinguish them but to be more specific,
      利子 : interest for your 預金 = bank saving、
      利息 : interest for 借入金 貸付金、debt, loan、
      金利 : interest rate for your loan, or saving

  1. hehe sensei you should teach that too! sensei is so wise ne :)
    what all countries have you visited? I love travelling!!!

    1. @Aki

      I love traveling,too!
      I have been to Holland, Germany, UK, France, Spain, Portugal, Austria, Switzerland, Italy, the US, Purto Rico, Australia, Hong Kong.
      There are so many countries I have never visited in the world…but I tend to go to the same place again and again.

      1. wow, that’s awesome!!! out of all those any favorites? or favorite new food you got to try or something?^^

        you know sensei I am not jealous that you’ve been to any of those… I am just jealous that you live in Japan !! いいな。。。>。< (笑)

        1. @Aki

          Haha, I knew you would say that! You would like to go to a country where 亀 lives!
          My favorite place is Hawaii no matter what!

  2. so 小銭 includes 5 yen 20 yen 50 yen coins??
    I hate small change -.- like pennys here! they are absolutely worthless and you will probably lose them…. and yeah I know we have a saying “a penny saved is a penny earned” but still…
    Maggie sensei, what do you you think of small change? めんどくさいな? :)

    1. @Aki
      小銭 includes 5 yen 20 yen 50 yen or even 100 yen coins.
      Yes! I agree! It’s めんどくさい!We have a saying, 一円を笑うものは一円に泣く,too.
      Actually I am very good at getting rid of all the coins when I go traveling abroad, though… It is like a game for me.

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