Meaning & use
owing money to someone
Last updated
Meanings
phrasefixed phrase
Having to give someone back money that you borrowed or still have to pay.
Grammar: Used after be or as a description of a situation: 'She is owing money to someone' sounds odd, so say 'She owes money to someone'.
Patterns
- be owing money to someone
- owe money to someone
- still owing money to someone
After losing his job, he spent months owing money to several friends.
The company is owing money to the tax office and cannot pay its staff.
If you keep owing money to someone, it can damage the friendship.
phrasefixed phrase
The state of having unpaid debts that must be returned to a person or organization.
Grammar: Often used as a noun-like subject or after prepositions such as about or because of: 'Owing money to someone is stressful.'
Patterns
- owing money to someone is ...
- about owing money to someone
- because of owing money to someone
Owing money to someone you know can feel more embarrassing than owing a bank.
She was worried about owing money to someone who might tell other people.
He avoided the subject of owing money to someone for as long as he could.
Common combinations
- owe money to someone
- I still owe money to my brother from last summer.
- owing money on a loan
- They are still owing money on a loan they took out years ago.
- owing money to the bank
- After the repairs, the family was owing money to the bank.
- end up owing money to someone
- If you keep borrowing, you will end up owing money to someone.
- stop owing money to someone
- He finally stopped owing money to someone after he sold his car.
Synonyms and how they differ
- in debt
- A more general phrase meaning you owe money overall, not necessarily to one particular person.
- behind on payments
- Focuses on being late with regular payments rather than simply having a debt.
- borrowing
- Describes taking money now and promising to return it later, while 'owing' describes the situation after you have taken it.
Opposites
Word family
Commonly confused: owing money to someone or owning money? owing money to someone or loan?
owing money to someone vs owning money
'Owning' means having something as your property, while 'owing' means you must pay it back. These two words sound very similar, so check the spelling carefully.
owing money to someone vs loan
A loan is the money you receive; owing money to someone is the duty to give it back.
Practice
Which sentence uses the phrase correctly and naturally?
Choose one answer.
'Owe' is a state verb and is not normally used in the continuous form, so 'She owes money to someone' is the natural choice. 'She is owing' is wrong because state verbs rarely take -ing, and the 'since' options need a perfect tense, as in 'She has owed money to someone since March.'
Make it your own
Write a sentence using “owing money to someone”, then check it and compare it with the examples above.