finance
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B1 noun, verb /ˈfaɪ.næns/ or /fəˈnæns/

finance

Meaning
the management of money and investments, or to provide funds for something
Example
The company secured finance from a major bank.
B2 noun /fleʃ/

Flesh

Meaning
the soft substance consisting of muscle and fat that is found between the skin and bones
Example
The doctor examined the wound to check if it had penetrated the flesh.
B1 noun /ˈfeɪ.vər/

Favour

Meaning
approval, support, or liking for someone or something; a kind or helpful act
Example
Could you do me a favour and help me move this heavy box?
B2 verb /fliː/

flee

Meaning
To run away from danger or a threatening situation.
Example
The villagers had to flee during the flood.
B1 noun /fiː/

fee

Meaning
A payment made for a service or privilege.
Example
The lawyer charged a high fee for his services.
B2 noun ˈflæʃkɑːrdz

flashcards

Meaning
Cards containing small amounts of information, held up for students to see, as an aid to learning.
Example
Flashcards help in quick memorization.
C2 verb /fɔɪst/

foist

Meaning
To impose something unwelcome or unnecessary on someone.
Example
He tried to foist his old books onto his friends.
B2 adjective /ˈflɔː.ləs/

Flawless

Meaning
perfect; without any defects or faults; immaculate
Example
Her flawless performance earned her a standing ovation.
A1 numeral /fɔːr/

four

Meaning
The number equivalent to the sum of two and two; one more than three.
Example
She has four books on her desk.
A1 adjective/noun /fɔːrθ/

fourth

Meaning
Constituting number four in a sequence; coming after the third in position.
Example
He finished in fourth place in the race.
B1 adjective /faɪˈnænʃəl/

financial

Meaning
relating to money, banking, or finance
Example
He made a sound financial decision by investing wisely.
C2 verb /ˌfɔːrˈrʌn/

forerun

Meaning
To go before; to precede in time, place, or action.
Example
Dark clouds often forerun a storm.
B2 verb ˈfaɪ.nəl.aɪz

finalize

Meaning
To complete arrangements for something; put into final form.
Example
The treaty was finalized after the discussions.
C2 noun /ˈfɪlɪɡri/

filigree

Meaning
delicate ornamental work of fine wire, usually of gold or silver
Example
The necklace was decorated with intricate gold filigree.
C2 adjective /ˈflɒrɪd/

florid

Meaning
Having a red or flushed complexion; or excessively ornate and intricate.
Example
The speaker’s florid style made the lecture hard to follow.
A2 noun /ˈfiːvər/

fever

Meaning
a medical condition in which the body temperature is higher than normal
Example
He couldn’t go to work because he had a high fever.
B1 noun /ˈfæktər/

factor

Meaning
A circumstance, fact, or influence that contributes to a result.
Example
Weather is an important factor in crop production.
C1 noun /fiːt/

feat

Meaning
an achievement that requires great courage, skill, or strength
Example
Climbing Mount Everest was a remarkable feat.
B1 noun /ˈfɔːr.mæt/

Format

Meaning
the way in which something is arranged or set out; the shape, size, and presentation of a book or document
Example
Please submit your report in PDF format by the end of the week.
C2 noun /ˈflæt.ər.ər/

Flatterer

Meaning
a person who lavishes praise, often insincerely and in order to gain advantage
Example
The king was surrounded by flatterers who only told him what he wanted to hear.
A2 noun /ˈfɑːr.mər/

Farmer

Meaning
a person who grows crops or raises animals for food or profit
Example
The farmer planted rice in the fertile fields this season.
A2 noun /fraɪd raɪs/

Fried rice

Meaning
a dish of cooked rice that has been stir-fried in a wok or frying pan
Example
We ordered chicken fried rice from the Chinese restaurant.
C2 adjective /fluːˈɛnʃəl/

fluential

Meaning
Having the power to influence or flowing freely (rare/archaic usage).
Example
The fluential speaker captivated the entire audience.
C1 noun/verb ˈfɒr.ɪdʒ

forage

Meaning
Food for horses and cattle, especially dried hay or feed; to search for food.
Example
Animals forage for food during the winter months.
B2 adjective /ˈfraɪtfəl/

frightful

Meaning
causing fear or horror; very unpleasant
Example
The hikers faced frightful weather conditions on the mountain.
A1 adjective /fʊl/

full

Meaning
Containing as much or as many as possible; complete.
Example
The glass is full of water.
C2 adjective /ˈfrəʊərd/

froward

Meaning
Difficult to deal with; contrary and disobedient.
Example
The teacher found the froward child hard to manage.
C2 adjective /ˈfɜːr.vɪd/

Fervid

Meaning
passionate; intensely enthusiastic; burning with emotion
Example
She gave a fervid speech about environmental protection.
A2 noun /ˈfɑː.loʊ.ɪŋ/

following

Meaning
a group of supporters or people who admire something or someone
Example
The singer has a large following around the world.
C1 noun /ˈfænsiər/

fancier

Meaning
a person who has a special interest in a particular thing or activity, especially animals or hobbies
Example
He is a fancier of rare birds.
C1 noun /fɪˈnɑːleɪ/

finale

Meaning
the last part or conclusion of a performance, event, or series
Example
The concert ended with a spectacular finale.
C2 adjective /ˈfrɒlɪksəm/

Frolicsome

Meaning
joyful; playful; merry; cheerful
Example
The frolicsome children laughed and played in the park.
C1 noun /ˈfaɪərɑːm/

firearm

Meaning
a weapon capable of firing a projectile using gunpowder or other propellant
Example
The police found a hidden firearm during the investigation.
C1 adjective ˈfɔːr.mɪ.də.bəl

formidable

Meaning
Inspiring fear or respect through being impressively large, powerful, intense, or capable.
Example
The boxer was a formidable opponent in the ring.
C1 adjective /ˈflæɡɪŋ/

flagging

Meaning
becoming tired, weaker, or less enthusiastic
Example
After hours of work, his energy was flagging.
A2 noun, verb /fuːl/

fool

Meaning
a silly or stupid person; to trick someone
Example
He felt like a fool after believing the prank.
C2 noun /ˈfɛndər/

fender

Meaning
a part of a vehicle that frames a wheel well to protect against mud or debris
Example
The car's fender was dented in the accident.
C2 noun /ˈfriːˌbuːtər/

freebooter

Meaning
A pirate or plunderer who roams freely in search of wealth.
Example
The freebooter raided the merchant ships along the coast.
A2 adjective /frɛʃ/

fresh

Meaning
new, recently made, or clean and pure
Example
The bread is still fresh from the oven.
A1 noun ˈflaʊərz

Flowers

Meaning
The reproductive structures of plants that provide nectar for butterflies.
Example
Butterflies are attracted to colorful flowers.
C2 adjective fəˈleɪ.ʃəs

fallacious

Meaning
Based on false reasoning or misleading arguments.
Example
His argument was based on fallacious reasoning.
B2 noun /ˈfræɡ.mənt/

Fragment

Meaning
a small part broken or separated off something; an incomplete or isolated portion
Example
Archaeologists found fragments of ancient pottery buried in the soil.
C1 noun ˈflɔː.rə ænd ˈfɔː.nə

flora and fauna

Meaning
The plants and animals of a particular region, habitat, or geological period.
Example
The Galápagos Islands have unique flora and fauna.
C2 verb /ˈfɜːrbɪʃ/

furbish

Meaning
to polish, renovate, or give a fresh look to something
Example
The workers furbished the old sword until it gleamed like new.
B2 noun /ˈfjuːʒən/

fusion

Meaning
the process or result of joining two or more things together to form a single entity
Example
The restaurant offers a unique fusion of Asian and European cuisines.
C2 adjective /ˈflɪpənt/

flippant

Meaning
not showing a serious or respectful attitude
Example
His flippant remarks annoyed the teacher.
C2 noun /fɔːn/

faun

Meaning
a mythological creature that is half human and half goat
Example
The sculpture depicted a playful faun dancing in the forest.
B2 noun /fʌs/

Fuss

Meaning
unnecessary worry or bother about something; agitated excitement over a trivial matter
Example
She made such a fuss about the small stain on her dress that everyone noticed.
B1 adverb /ˈfʊli/

fully

Meaning
completely or entirely; to the fullest extent
Example
She is fully aware of the risks.
A2 noun /fækt/

fact

Meaning
A thing that is known or proved to be true
Example
It is a fact that the Earth orbits the Sun.
C1 noun /fəˈtæləti/

fatality

Meaning
An occurrence of death by accident, disaster, or violence.
Example
The accident resulted in one fatality.
C1 noun /fəˈrɒs.ə.ti/

ferocity

Meaning
The state or quality of being ferocious; extreme fierceness or violence.
Example
The storm's ferocity was devastating.
C2 adjective /fəˈsiːʃəs/

facetious

Meaning
Treating serious issues with deliberately inappropriate humor
Example
He was being facetious when he said he wanted to live on the moon.
C2 verb /ˈflʌməks/

flummox

Meaning
To confuse or bewilder someone completely.
Example
The complicated puzzle flummoxed the students.
B2 adjective /ˈfeɪθ.fəl/

Faithful

Meaning
loyal and committed; reliable; true to one's beliefs
Example
She remained faithful to her principles throughout her career.
C1 adjective fæsˈtɪd.i.əs

fastidious

Meaning
Very attentive to and concerned about accuracy and detail.
Example
She is fastidious about maintaining cleanliness.
B1 noun /ˈfes.tə.vəl/

Festival

Meaning
a day or period of celebration, typically for religious reasons; an organized series of concerts, films, etc.
Example
The music festival attracted thousands of visitors from around the world.
C1 noun /ˌfɜːrmənˈteɪʃən/

fermentation

Meaning
a chemical process by which substances like sugar are converted into alcohol or acids using microorganisms
Example
The fermentation of grapes produces wine.
B2 noun /fɔːrt/

Fort

Meaning
a strong building or group of buildings where soldiers live and defend
Example
The ancient fort stood on top of the hill for centuries.
A2 adjective /ˈfroʊzən/

frozen

Meaning
preserved by being made extremely cold; turned into ice
Example
The lake was completely frozen during winter.
B2 noun ˌfʌŋk.ʃəˈnæl.ə.ti

functionality

Meaning
The quality of being functional; the ability to work or operate as intended.
Example
The new refrigerator has improved functionality.
A2 verb /fɪl/

fill

Meaning
to make or become full; to put something into a container until it is full
Example
Please fill the glass with water.
C2 noun /ˈfɔːrkɔːrt/

forecourt

Meaning
an open area in front of a large building, especially a petrol station or hotel
Example
The car was parked in the hotel forecourt.
C2 noun /ˈflɛkʃən/

flection

Meaning
The act of bending or the state of being bent, especially of a limb or joint.
Example
The doctor tested the patient's knee flection during the examination.
C2 noun /ˈfɪɡmənt/

figment

Meaning
something invented or imaginary; a fabrication of the mind
Example
The story of the haunted house is just a figment of her imagination.
C2 adjective /ˈfækʃəs/

factious

Meaning
causing disagreement or division within a group; inclined to form factions
Example
The debate became factious, splitting the committee into rival camps.
C1 adjective /freɪl/

frail

Meaning
Physically weak and delicate.
Example
The old man was too frail to walk without help.
B2 adjective /ˈfɛmənɪn/

feminine

Meaning
having qualities traditionally associated with women; feminine in nature
Example
She has a very feminine style of dressing.
C1 verb /ˈfɛdərət/

federate

Meaning
to unite in a league or federation; to form an alliance
Example
Several states federated to create a stronger union.
C2 adjective /fjuːˈnɪəriəl/

funereal

Meaning
having the mournful, somber character of a funeral
Example
The room was filled with a funereal silence after the announcement.
C1 noun /ˈfæm.ɪn/

Famine

Meaning
extreme scarcity of food; a period when food is extremely scarce
Example
The severe drought led to widespread famine in the region.
C2 noun /ˈfɔːθ.raɪt.nəs/

forthrightness

Meaning
The quality of being honest and straightforward; directness.
Example
Her forthrightness made her a respected journalist.
C2 noun /floʊ/

floe

Meaning
a large sheet of floating ice
Example
The polar bears rested on the ice floe.
B2 noun/verb /flɑːk/

flock

Meaning
a group of birds or animals; to gather or move in a crowd
Example
Tourists flocked to the beach during summer.
B1 noun /ˈfaɪn.dɪŋ/

finding

Meaning
a discovery, conclusion, or result reached after investigation
Example
The scientist published her findings in a leading journal.
B1 noun /ˈfeɪ.ljər/

Failure

Meaning
lack of success; an unsuccessful person, enterprise, or thing
Example
The project's failure was due to poor planning and communication.
C2 adjective/adverb /feɪn/

fain

Meaning
gladly, willingly, or with pleasure
Example
I would fain help you if I had the time.
C1 verb /fɔːrˈkloʊz/

foreclose

Meaning
to take possession of a property due to the owner's failure to keep up mortgage payments
Example
The bank decided to foreclose on the property after months of missed payments.
B2 verb /fɔːrdʒ/

forge

Meaning
to create or shape something, often with effort or skill; also to counterfeit or fake something
Example
The blacksmith forged a strong sword from the iron.
B2 verb, adjective /ˈfɒstər/

foster

Meaning
to encourage the development of something; to raise a child that is not one's own
Example
The program aims to foster creativity in young students.
C2 noun /ˈfɪli/

filly

Meaning
a young female horse
Example
The filly ran swiftly across the meadow.
A2 noun /ˈfɪɡ.jər/

Figure

Meaning
a number, especially one which forms part of official statistics; the shape of a human body
Example
The sales figure for this quarter exceeded all expectations.
C2 adjective /ˈfiːtɪd/

foetid

Meaning
having an offensive, unpleasant smell
Example
The foetid smell from the garbage made it hard to breathe.
B2 verb /ˈfrʌsˌtreɪt/

frustrate

Meaning
to prevent from accomplishing; to make someone feel annoyed
Example
The traffic jam frustrated all the commuters.
B2 noun /ˈfreʃmən/

freshman

Meaning
a first-year student at a high school, college, or university
Example
The freshman felt nervous on his first day at university.
B1 noun /ˈfeɪvər/

favor

Meaning
An act of kindness or approval.
Example
She asked him for a small favor.
B2 verb /ˈflʌrɪʃ/

flourish

Meaning
To grow or develop in a healthy or successful way.
Example
Her business began to flourish after she introduced online sales.
A2 verb /fɪks/

fix

Meaning
To repair or make something work again.
Example
The mechanic fixed the broken car.
C2 noun /ˈfriːˌmeɪsən/

freemason

Meaning
A member of an international fraternity known as Freemasonry, focused on moral and spiritual values.
Example
His grandfather was a respected freemason in the community.
C2 adjective /ˈfʌŋɡəs/

fungous

Meaning
relating to or resembling a fungus
Example
The damp basement had a fungous smell.
B2 verb /fʊlˈfɪl/

fulfil

Meaning
to complete or achieve something that was expected or promised; to satisfy a requirement or desire
Example
She worked hard to fulfil her dream of becoming a doctor.
A2 adjective, adverb /ˈfʊl taɪm/

full-time

Meaning
working or studying for the whole standard period of time
Example
She works full-time as a teacher.
C1 noun /ˈfʌŋɡəs/

fungus

Meaning
a spore-producing organism feeding on organic matter, including molds, yeast, and mushrooms
Example
A strange fungus was growing on the old tree.
C2 adjective fɔːˈtjuː.ɪ.təs

fortuitous

Meaning
Happening by accident or chance rather than design; lucky or fortunate.
Example
Their meeting was purely fortuitous.
C1 adjective /ˈfrɪdʒɪd/

Frigid

Meaning
extremely cold; freezing; icy
Example
The frigid weather made it difficult to go outside.
A2 noun /flaʊər/

Flour

Meaning
fine powder made by grinding wheat or other grains; used for making bread, cakes, and pastry
Example
She mixed flour with water to make dough for bread.
C2 noun /fiːf/

fief

Meaning
an estate of land held under the feudal system; a domain or area of control
Example
The knight was granted a fief by the lord for his service.
B2 adjective, verb (present participle) /ˈfloʊtɪŋ/

floating

Meaning
remaining on the surface of a liquid without sinking; moving lightly or freely
Example
The boat was floating gently on the calm lake.
C2 verb /ˈfʌdəl/

fuddle

Meaning
To confuse or stupefy, especially with alcohol or overwhelming information.
Example
The complicated instructions fuddled the new employees.
C2 verb /ˈfrɪzəl/

frizzle

Meaning
to fry something until it becomes crisp and curled, or to make a sizzling noise
Example
The bacon began to frizzle in the pan.
C1 noun /ˈfɛtɪʃ/

fetish

Meaning
an excessive or irrational devotion to something
Example
He has a fetish for collecting rare stamps.
B2 noun /ˈfɪks.tʃər/

fixture

Meaning
a permanent or fixed object, often in a house or building
Example
The bathroom fixture was installed yesterday.
B2 noun /foʊm/

Foam

Meaning
a mass of small bubbles formed on or in liquid; frothy white mass
Example
The waves crashed against the rocks, creating white foam on the shore.
B2 noun /ˈfrʌn.tɪər/

frontier

Meaning
A new area of activity, knowledge, or development; the edge of knowledge or achievement.
Example
Robotic surgery is exploring a new frontier in medicine.
B2 noun ˈfjuː.tʃɚ ˌdʒen.əˈreɪ.ʃənz

future generations

Meaning
People who have not yet been born, considered in terms of the environment or society they will inherit.
Example
Sustainable development ensures a better life for future generations.
A1 noun /faɪər/

Fire

Meaning
combustion or burning, in which substances combine chemically with oxygen from the air
Example
The fire in the fireplace provided warmth and a cozy atmosphere.
B2 verb /flɪp/

flip

Meaning
to turn over quickly or suddenly; to toss lightly
Example
She flipped the pancake in the pan.
A1 verb /feɪs/

face

Meaning
to confront or deal with; to turn toward; to have the front in a particular direction
Example
She had to face many challenges in her new job.
A2 noun /fɑːrm/

farm

Meaning
an area of land used for growing crops and raising animals
Example
They live on a farm with many animals.
B2 adjective /ˈfʌsi/

fussy

Meaning
hard to please; very concerned with details
Example
The child is very fussy about what she eats.
C1 verb /fɔːrˈɡoʊ/

forgo

Meaning
to decide not to do or have something
Example
She decided to forgo dessert to maintain her diet.
B2 adverb /ˈfɔːrməli/

formally

Meaning
in a formal or official manner; according to established rules or conventions
Example
The agreement was formally signed by both parties.
A2 adjective /fɔːls/

False

Meaning
not true; incorrect; deceptive; artificial
Example
The witness gave false testimony in court.
B2 noun /ˈfaʊn.dər/

Founder

Meaning
a person who establishes an institution or settlement; someone who starts or creates something
Example
Steve Jobs was the co-founder of Apple Inc. and revolutionized personal computing.
C1 noun /fɔːn/

Fawn

Meaning
a young deer; a light yellowish-brown color
Example
The mother deer protects her fawn from predators.
C1 adjective /ˈfiːzəbl/

feasible

Meaning
possible to do easily or conveniently; practical and workable
Example
It is feasible to complete the project within two months.
C2 noun /fəˈlɪsɪti/

felicity

Meaning
intense happiness; the ability to find appropriate expression for one's thoughts
Example
She was known for her felicity in conversation and cheerful nature.
C1 adjective /ˈfɜːrtɪv/

furtive

Meaning
Attempting to avoid notice or attention, typically because of guilt or a belief that discovery would lead to trouble.
Example
He cast a furtive glance at the door before leaving.
C2 adjective /ˈfʌndʒəbl/

fungible

Meaning
interchangeable; able to replace or be replaced by another identical item
Example
In finance, money is considered a fungible asset.
B1 adjective /ˈfrʌstreɪtɪd/

frustrated

Meaning
feeling annoyed or upset because of inability to achieve something
Example
She felt frustrated after failing the exam.
B2 noun/verb /ˈfɒs.tər.ɪŋ/

fostering

Meaning
The process of encouraging or promoting the development or growth of something; nurturing and caring for.
Example
Good teachers play a key role in fostering creativity in students.