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lay out — spend money

phrasal verbC1IELTS 7+informalrare

to spend a significant amount of money on something, often more than expected or with some reluctance.

Say it like a native

Textbook I had to expend a considerable sum on repairs.

Native I had to lay out a fortune on repairs.

'Lay out' (informal) means fork out money. 'Expend a considerable sum' is formal.

Pattern: lay out (money) (on/for something)

In use

  • I had to lay out nearly £2,000 for car repairs last month.money
  • Some people are unwilling to lay out large sums on insurance, believing it to be unnecessary until a problem arises.IELTS speaking

Common mistake

✗ I laid out £500 for the car.

✓ I laid out £500 on the car.

'Lay out + amount + ON something' (not 'for').

Common collocations

  • lay out + on — a fortune, £500, good money, on repairs

Don't confuse it

Unlike the B1 sense ('spread things out') and the B2 sense ('arrange or plan'), this sense is figurative and refers specifically to spending money, not to physical arrangement or planning.

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