gelds 的音標是[?eldz]，基本翻譯是“債權或債務”。

速記技巧：這個單詞的發音相對簡單，只需要注意最后的s是清輔音，不要發成漢語的s音。同時，根據單詞的含義，可以聯想與之相關的詞匯進行記憶，例如與債權、債務相關的單詞如loan（貸款）、credit（信用）等。

Geld這個詞的英文詞源可以追溯到古英語，意為“金錢”或“價值”。它的變化形式包括復數形式“geldens”和過去式“geldened”等。

相關單詞：

1. “Economy” - 這個詞源自拉丁語，意為“管理”或“控制”，與Geld有著密切的關聯，表示對金錢和資源的有效管理。

2. “Investment” - 這個詞源自拉丁語，意為“投入”，通常指對有價值的資產或資源的投入，包括Geld在內的資本。

3. “Spend” - 這個詞源自古英語，意為“花費”，通常與Geld一起使用，表示花費金錢的行為。

Geld作為金融和經濟的核心元素，在英語中有著廣泛的應用，如“financial institution”（金融機構），“financial market”（金融市場），“financial crisis”（金融危機）等。這些詞匯都與Geld有著密切的關聯，反映了金融和經濟領域的發展和變化。

常用短語：

1. pay off the debt

2. clear the debt

3. take out a loan

4. borrow money

5. owe money

6. in debt

7. owe someone money

例句：

1. We paid off the debt and felt a sense of relief.

2. After years of hard work, we finally cleared the debt.

3. I took out a loan to finance my education.

4. I borrowed money from my friend to cover my expenses for a trip abroad.

5. I owe a lot of money and am struggling to pay it back.

6. I"m always in debt, trying to keep up with the bills.

7. I owe my sister money and she"s been pestering me to pay up.

英文小作文：

標題：Debt and Its Impact on Personal Life

Debt is a common problem in today"s society, affecting many people"s personal lives. Whether it"s a small loan to cover an unexpected expense or a large debt from past mistakes, debt can have a negative impact on our finances, mental health, and social relationships.

Paying off debt can be a daunting task, but it"s worth the effort. Clearing the debt brings a sense of freedom and relief, allowing you to focus on other important aspects of your life such as saving for future goals or investing in your personal development.

However, dealing with debt can be a challenging process, especially if you"re struggling to keep up with the payments. It"s important to take a realistic approach and prioritize your finances to avoid further financial troubles.

In conclusion, debt can be a burden that affects our personal lives in many ways. However, with proper planning and effort, it"s possible to overcome debt and move forward with confidence and stability.