2 Spending money When aman tells you he got rich ‘through hard work, ask him Whose? Don Marquis, US Writor 1G present perfect and past simple | V money JB oanded} 1 VOCABULARY money 2 Complete the sentences with the correct verb in brackets. 1 My sister wast she never wears. (wastes / saves) to buy a flat of my own. 2 lot of money on clothes 2 leant psy 3 You'll have to want to travel around the world next year. (save / waste) 4 We stil 5 Kevin new job. (raises / earns) a lot of money if you the bank a lot of money ‘about €1,000 a month in his 6 That painting (charges / is worth a lot of money. My uncle is doing a bike ride to money for charity. (afford / raise) 8 Idon't want a fortune! (co 0 lose th /oned) arrings. They 9 IWihave to some money from the if | want to buy 2 new car. (borrow / lend) 10 Mary £10,000 from her grandfather when he died. (inherited / invested) nt £5,000 pounds in a company, and! made 5% profit. inherited / invested) 12 The plumber my shower. (cos! 13. Can you {borrow / lend) me €100 for mending charged) me $200 until | get paid? b Complete the sentences with the correct preposition, 1 Il pay 2 They charged us €5 3. My friends got the meal ifyou get the drinks. a bottle of water. debt when they bought their new house. 4 We've borrowed some money my parents, 5 My grandparents aluays pay cash, & | don't mind lending money —__ peaple in my family 7 Andy and Sue spent a lot of money their 's education 8 Can I pay credit card? If lend you some money, when can you pay 10 Phil invested all his money his own company, Complete the advertisement with the words from the list. bills tax contactless payment c ‘an mortgage salary What's new Use our WIN-WIN phone app to manage your money ‘and pay your ‘bills ___. For extra ‘convenience, sign up for ° and. you'l never have to carry cash with you again What hasn’t changed Need money for 4 car or a holiday? Well give you a *__of up to.€10,000 for whatever: you want fo buy. if you're buying @ house, we can give youa* atone of the lowest, interest rates on the market Someone to talk to Finding ft hard to gett the end ofthe month? Our advisors can help you plan a® make your money go further. you're working, they can ave you advice on how to manage your each month and Row much at you should be paying, So, if youre looking for a new bank, just remember: WIN-WIN has ital ad_ Complete the questions with a phrasal verb from. the list. live off liveon payback take-out 1 How often do you use a cash machine? How much money do you usually take out? 2 When was the last time you lent money to somebody? How long did it take them to you 2 3 Why do young people sometimes ____their parents? 4. What's the smallest amount of money you think you could ____ for a month? What would you spend it on? @ Answer the questions in d. VOCABULARY FROM READING ¥ Complete the compound nouns in the sentences. 1. We use olive oi forall our cooking. 2 Max fell off his bike during our cycling tr bout he didn’t hurt himself 3 Becky doesn’t use beauty tr that are tested on animals. 4 Qurelectricity b is going to be very high this month - we've had the heating on every day. 5 usually drink tap w. s 6 | try to buy environmentally-riendly cleaning pr___because they don't pollute the water. with my meals, PRONUNCIATION o and or Circle the word with a different sound. 1 money nething Geny) wery SS peat eee eaeteae pa eee 2.1 Listen and check. Then listen again and repeat the words. Look at the pairs of words. Is the pronunciation of or the same (S) or different (0D)? 1 afford organized = _S_ 2 store worse D 3 mortgage fork a 4 short work a 5 world worth 6 order word 2.2 Listen and check. Then listen again and repeat the words. GRAMMAR present perfect and past simple Circle the correct answer, 1 Renever awed)” never owed any money tothe bank in a 2 Rachel wants to buy aft, but she hast saved / fel tiva ancth meta) 2 "Tey ve haroee / chard un} much for cre last right 4 Paul hasn't inherited / did't inherit anything from hs ipaciethar ihn the chad 5 (can'epay you back. ( aven'-bech / Gxdit.ge tothe cash machine yet. 6 lve never used / never used contactless payment, but [eke to ey it 7. How much hes your TV cost/ did your TV coat? 8 | haven't had / did't have ary coins, so | couldn't put ry rerey tia par ete 9 Nove yourhouse how long have you lived lid you fivein it 10 My giiend hasa really well pid job. She has eamed/ eamed £45,000 lst year.ppegppmememrmrmrrnm™ _c_Re-order the words to write present perfect and past simple questions. 1a you/ buy a house Have you ever bought a house? b when / you / buy it When did you buy it? —____ 2 a you/find any money on the street bb how much / you Find 3a you/ use contactless payment b where / use it 42 you/ pay for a meal for a lot of people bb why / you / pay for it 5 a you/ stay in an expensive hotel b who / you / stay there with b Complete the conversations with the correct form 6 a ou rmaaimaney fer onary) of the verbs in brackets. a = b how much / you / raise 4A When did your son buy. his pie 2 car? (buy) B Whenhe his driving test last month, 4 Answer the questions in ¢. (pass) Aa - b 2 A Howmuch money you ae from your sister yesterday? (borrow) i B About £100, but | already Pi, ital. (spend) s 3A you____ anew flat yet? ao — fing) b B Yes, and the bank __just 5a e ___to give me a mortgage. (agree) b 6a aa __ you ever any money i a 10 2 friend? (lend) aaa B Only to my boyfriend when he i new phone. (need) SA your mother ___an appointment with the doctor yet? (make) B Yes, she him yesterday, and she's seeing him tomorrow. (call) Cemimera)1 a GRAMMAR present perfect + for / since, present perfect continuous Write the words and phrases from the list in the correct column. 2035 along time Christmas Iwas very young. lunchtime six months twoweeks three days Tuesday years for ‘Complete the sentences with the present perfect simple form of the verb in brackets and for or since. 1 Vehad_ my car for about a manth. (have) 2 Mymum it — weeks. (60) 3 We i each other wo were at schoo. (know) 4 Owen for the same company five years, work) 5 Dan and Vicky in Scotland they got married, ive) 6 My parents gardening they were young, (love) to.go to Australia a long time. (want) tome last year. (not speak) my grandparents ages. (not see) Ayesha they were at school together. zal 8 Lola 10 Harry like) © Complete the conversations wit eos crrco nD No one elze can do it for me. Carol Burnett, US actress & comedienne A OE the present perfect, continuous form of the verbs. Moot 1 \ A 8 Did you know that Amy's in a band? No. Have they been playing together for a long time? (they / play) How long was your flight? Twelve hours. __ ie all day. (we / travel) My brather has a very good job in New York. Really? How long there? (he / work) Diana's found a new flat, at last Oh good! cone for ages. (she / look for) Why does Liam's teacher want to see you? his homework lately. (he / not do) You're late. Yes, |know. Sorry. long? (you / wait) You look exhausted, the children all day! (I/ look after) How's your football team doing, Pete? Very well, but recently. I've hurt my foot. (I/ not play)ircle the correct form. If both forms are possible, tick (W) 3 VOCABULARY strong adjectives ee Match th | adjectives 1-14 to the z ‘a Match the normal adjectives 1-14 to t 1 How long have you lived / have you been living abroad? enews 2 Ive studied ve been studying Chinese for two years. . 3. My parents have had have been having the same car for ten J teed dt wee a 2 surprised boiling 4 How long has Mark played / has Mark been playing the bass 3 big — _ € delighted guitar? 4 cold exhausted 5 Alachas-worked /has been working in thisschool {nce he 5 dirty e filthy started teaching. 6 funny {freezing 6 I've known / {'ve been knowing her for years. 7 happy @ furious 7 We've gone / We've been going to the same dentist since we 8 hot h fascinating were children 9 hungry i hilarious 8 You've worn / You've been wearing the same coat for years! 10 interesting j_ huge 9 How long have you ridden / heve you been riding horses? 11. small positive 10 I've washed / I've been washing the car; it looks much 12 swe = __ I. starving cleaner now: 13 afraid = ___m terrified ‘What have you been doing recently? Write five sentences. 14 angry — on tiny Use the ideas from the list or your own ideas. abook shobby ajob snewhabit asport a TV series your work/studies lve been eating more vegetables because [ want to be healthier. lve got exams. so 've been studying. PRONUNCIATION sentence stress 2.3 Listen and complete the sentences. 1 ve been travelling all day 2 have they been eect 3 She's been ah 4 They been fee a 5 We've been __ the 61___ been © 2.3 Listen again and repeat the sentences. Copy the rhythm.3 It's really 4 He's Complete the sentences with the strong adjectives from a. 1 The temperature has been going up all week, and now it’s absolutely boiling 2 tm that you don’t know the name of the president of the USA. 3. Tom's parents have just found out he's been missing school, so they're 4 I've been watching a horror lm, and now im absolutely fs 5 We're because we've walked 35 km today. 6 That film is ! We laughed all the way through it 7. This book is I've learned so much from it. I've been thinking about your question, and now I'm I know the answer. 5 Isa hamster. 6 She's absolutely d_ Complete the sentences about you. 1 The last time | had a huge meal was when 2 The weather was absolutely boiling when | 3. One of the most hilarious films I've seen is__ | elt really exhausted when | 5 When I'm absolutely starving the thing | most want toeatis_ 6 | was delighted with a present I got 7 | saw a fascinating TV programme recently about 8 Something that makes me furious is (Commieme)(Geeimnnrers) AE