Page 25

1
Check the statements that reflect good spending habits. 
1. 
If something is way over your budget, use your credit card.
2. 
Cut back on your spending.
3. 
Make sure your income is more than your expenses.
4. 
If you’re feeling down, go shopping.
5. 
Try to save up a little for a rainy day.
6. 
Occasionally, treat yourself to something you have your heart set on.
7. 
If you don’t have enough money for something, save up for it.
8. 
If you want it, go ahead and shell out the money for it.
9. 
Compare prices online before you buy.
10. 
If something breaks, try to have it repaired. 
 

2
Answer the questions. 
1. Have you ever bought something that turned out to be an
impulse item? Do you regret buying it? Explain.
yes I bought a skateboard that I never use , and I returned it , but I
don’t regret buying it
2. What is one item you have bought that has turned out to be
very useful? Explain.
 A black vans, because I’m a dancer and I love dance with a good
vans.
3. Are you usually a thrifty shopper or an impulse buyer? Explain.
 I think I’m a impulse buyer, because I love to shop I don’t really care
about spending money if I have to.
Page 26

3
Answer the questions. 
1. What’s minor indulgence (something small and unnecessary)
that you spend money on regularly? (for example, a daily cup
of coffee or a weekly magazine.) 
A trip in uber
2. How much does this indulgence cost?
150 pesos
3. Calculate how many times per year you spend money on it.
(for example, a cup of coffee each weekday: 5 days’ x 52
weeks ₌ 260 times per year.)
7 days x 52 weeks =364 times per year
4. Multiply the cost (your answer to question 2) by the number of
times (you answer to question 3). How much money do you
spend in a year on your small indulgence?
54.600 pesos
5. Were you surprised by the results? What else would you like to
spend that money on?
 I’m surprised because that it’s a lot of money .i would to spend more
money on my hair care

4
Read the article. 
 
 
 
 
 
 
 
 
 
Now answer the questions.
1. According to the article, what is wrong with making impulse
purchases?
Its wrong because when you buy something that you don’t need
,you’re spending money for something that you’re not going to use,
2. In your own words, explain how making a list of purchases
you regret can help you.
Can help because when you see the product you remember that
you don’t really need it
3. Why do you think allowing yourself a fun purchase
occasionally helps control impulse purchasing?
Because you satisfy an impulse , and helps you to control it
4. Which tip from the article do you think is the most important?
Why?
I think is pay cash, because when you bring the exact money that
are you going to spend, you don’t spend on extra things that are
unnecessary
5. Do you already use any of the tips from the article? Which
ones?
Yes, I use the tip of paying in cash and also the last tip of allow
myself to buy fun things sometimes.
Page 27

5
Look at the pictures. Why do the people regret their purchases?
Complete each explanation with a reason from the box. 
Cost so much to maintain           is so hard to operate              takes up so much
room
Just sits around collecting dust            is so hard to put together

 
 
 
 
 
 
 
1. “I bought a guitar last summer. I really intended to learn how to
play it, but I haven’t picked it up for months now. It just sits around
collecting dust
 
 
 
 
 
 
 
2.  “I was so excited to get my new smart watch. But it is so hard
to operate. Who can understand all those choices? Not me! What a
pain!”
 
 
 
 
3. “We bought a beautiful crib for our baby, but it’s in pieces all
over the floor. Unfortunately, the instructions are in Italian, and it is
so hard to put together.”
 
 
 
 
 
 
 
4. “I ordered a new computer online, but I had no idea the monitor
would be so big. It takes so much room on my desk. I should have
bought a laptop.”
 
 
 
 
 
 
 
5. “I wish I hadn’t bought this boat. I don’t use it very often, and it
cost so much to maintain. Between the fuel, the docking fees, and
the costs to service and clean it, I’m not sure it’s worth it.”
 
Page 30

11
Choose the best choice to complete each statement. 

The world record for owning the most credit cards is held by Walter Cavanagh of
Santa Clara, California, US. He has 1,497 cards, which together are worth more
than $1.7 million in credit. 
 
 
 
 
1. Big spenders are more likely to___.
a. Be drowning in debt.
b. Be frugal.
c. Stick to a budget.

2. Cheapskates generally___.
a. Use credit cards often.
b. Have a lot of stuff.
c. Keep track of their expenses.

3. Big spenders are usually___.

a. Generous.
b. Stingy.
c. Frugal.

4. Thrifty people are more likely to___.

a. Be wiped out by a job loss.
b. Stick to a budget.
c. Let their bills get out of hand.

5. Thrifty people generally___.

a. Live beyond their means.
b. Are drowning in debt.
c. Pay their credit cards in full.
 
Page 33

A
Rewrite the past unreal conditional sentences, using the inverted
form. 
1. I would have bought a smaller exercise machine if I had realized it
would take up so much room.
Had I realized it would take up so much room, I would have
bought a smaller exercise machine.
2.I wouldn’t have bought such an expensive car if I had known it
would cost so much to maintain.
Had I known it would cost so much to maintain, I wouldn’t have
bought such an expensive car
3. If I had known these bookshelves would be so hard to put
together, I would have asked a friend to help me.
Had I know these bookshelves would be so hard to put together, I would
have asked a friend to help me
4. If I had realized the music at last night’s concert would be so
commercial, I might not have bought tickets.
I might not have bought tickets if I had realized the music at last
night ‘s concert would be so commercial
5. I might have purchased a different DVR if the salesperson had
told me it would be so hard to operate.
Had the salesperson told me it would be so hard to operate I might
have purchased a different DVR
6. Would you have stayed at your job if your boss hadn’t been
such a tyrant?
 Hadn’t your boss been such a tyrant if would you have stayed at
your job?
7. If I had known this bread-making machine would just sit
around collecting dust, I would have given it to my sister.
Would I have given it to my sister if I had know this bread making
machine would just sit around collecting dust.
8. If my apartment building had allowed pets, I would have
stayed there.
I would have stayed there, if my apartment building had allowed
pets.
 

B
What are you plans? For each item, write a sentence about what
you will be doing. Use the future continuous. 
1. Next Monday, I will be taking a French class
2. This weekend I will be going to the beach
3. Next year I will stay in Miami
4. Five years from now, I will be traveling around all the world
5. At this time next week will be on rehearsal
6. When i go to punta cana, I will be there two weeks
7. I will be dancing tomorrow
 
Page 34

D
Complete the chart with three of your hobbies or activities and
the year in which you started each. 
Hobby / When started
activity
 Dancing  One year ago

 Painting  Three years ago

 Doing makeup  4 years ago

 
Now use the information in the chart to complete the sentences,
using the future perfect continuous.
Example: By the year 2018, I will have been collecting stamps for
20 years
1. By the year 2020, I will have been dancing in a show
2. By next year, I will have been making a lot of money
3. By the time I will have been working for a company
 
Page 35

B
WRITING Write a paragraph, using ideas from your notepad. Your
topic sentence should state your charity’s goal. Include at least three
potential benefits of your charity. Organize your ideas in order of
importance

Name of the charity: Aldeas Infantiles SOS

Goal: That every children have home
How it will be benefit community: there won’t be more abandoned
children on the street
The charity is working around the world, helping kids all around the
world, and giving all the abandoned kids a home and a roof with
food and a mom (person who take care of the kids) who take care
of them and teach them how to live and have manners.