1 Complete the sentences with the words and phrases below. Pay attention to the words and phrases in bold. Splitthecost salary paythemback note tent afford 1. I'm short of money this month, so can't nnn 1 0 2 When you borrow money from people, you must 3. My flatmate and 1 -of groceries and also share expenses like electric 4 When you get your you should put some of it into a savings account, S_ My friend ime £20 last week and £10 this week, so now I owe him £30, 6 My parents give me pocket money every week, usually £20 : 2 Answer yesor no. Pay attention to the words In bold. 1. John paid £100 for his phone and sold it for £185. Did he make a profit? 2. Sandra paid the full price. Did she get a discount? 2. We spent less than we'd planned t0. Did we keep to our budget? as 4 Glen got a Tshirt for free. Did he purchase it? § I'm buying something online, Can I pay with cash? ) Money Counts Ed Words from the Text 'B Rewrite the sentences using the words In brackets, Donot change the original meaning of the sentences ) 1. Anna looks great in that dress. (su ‘That dress 2 You have to pay extra for their services. (fee) There's an 3 Alot of people are waiting. (queue) There are alot of people 4 I paid £20 for this shirt. (charged) They. 5. They'll e-mail you a coupon if you ask for it, (request) Ifyou 6 We weren't happy with the situation, but we didn’t ‘complain, (macle the best of it) Instead of complaining, 4 Choose the correct answer. Pay attention to the words In bold, 1 Please show him around. fe must eave. / He’ new her. 2. She's renting the fat. She owns / doesn ovn it 3. He went broke, He made / fost all his money gambling 4. George does add Jobs. Among the things he does is practise law / walk people's dogs. 5 She doesn’t have much stuff. She has few belongings! new ideas. Scanned with CamScannerPutting It TOGETHER A 5 Complete the text with the words and expressions below. short of requested Salary cash odd jobs expenses purchased ‘Jordon Cox, a British teenager, saved neatly £8 on a 300-Kilometre trp from Sheila to his home in Essex - and it made international headines. Why? Because he travelled 12 hours via Berlin to save some |When Jordon was 15, his father lft him and his moter. Living on his mother's? an they were aways > ‘money, Jordon desperatly wanted to help, but was too young to work, even doing ‘Fortunately, he discovered the ‘American television programme Extreme Couponing. The fist week that he used coupons from the interne, he saved £10. Alter posting his money-saving tips on Facebook, he kept hearing from people who'________.... his advice. Eventually, Jordon began giving seminars on how to use eeuponin to ct shopping Jordon ould have. wnn~~- the £47 train ticket to Essex ‘and shortened his trp by almost nine hours. Instead, he bought bargain plane ticket to Bertin, visited the Brandenburg Gate, te lunch ‘and flew back. He spent £44 — nearly £8 les than he would have paid fortran fre anda sandwich. Jordon admits that his solution isnt fr everyone. Ae all, most people just want to get home as quickly as | possible. Vocabulary ROXCUS | Gerunds and Infinitives & complete the sentences with the verbs below. Use a gerund or Infinitive. Fead “apply open go. ask 1 P've finally decided — 2 Tuy toavoid. a savings account. ‘my parents for money. ‘a good novel is my favourite way to spend 4 This year, we can’t afford... S-T’m considering — neu. for the bank's training programme, on holiday abroad. Moves Cores. [UBT] 7 complete the sentences so they are true for you. Use the words In brackets and a gerund or infinitive. 1 Tcan't see myself (work) 2 I'm really looking forward (80) 3 One day, I'd like (isi) 4 On my way home from school, 1 often stop (buy) 5 I'venever been keen on. (play), 6 don't feel ready (leave) 7. AE Thad to cut dawn on sugar, I'd stop (eat) alotof. a 8 Next summer, I hope (travel) Vocabulary FOCUS | Common Expressions B Write the expression below that reflects the meaning of each sentence. onthe house worthit ves beyond her means hard-earnedmoney splash out a shopping spree 1. She really spent a lot on her wedding dress. 2 You don’t have to pay for the desserts. 3 I's peat but you'll be glad you got it. 4 She spends more than she earns, 5. I'venever bought so much in one day. 6 He's had to work for every penny he’s got. Q Match each sentence in Awith a logical continuation In B, A 8 1 They could barely a They had too many expense. make ends meet. bb Itwas very generous of them. 2 Theirnewhome cost ___¢ They found it for a lower ‘an arm anda leg. Price in two other places. 3. They footed the bill. ___. & 1 didn’t know they were so. They went out of wealthy. business. —-e The competition was too 5 They shopped around. tough. Scanned with CamScanner3 Rewrite the sentences using the words In brackets. Do not Tena ‘eee oat meaning he sentences EL The Passive 1 Last year, they weren't hiring any new workers. (being) Last year, no ee 2. When ate they signing the rental agreement? (signed) 1. choose the correct passive or active ansuer Wh ee 1. Students should be taught / should teach how to manage 3. Scientists haven’t found a cure yet. (been) money No cure : 2. The information will send / willbe sent 0 ou. 4 You must submit applications by 1st March. (be) 3 Are they going o give /Are they going tobe given Applications a customers a discount? 5 Cur guide didn't take us inside the castle. (taken) 4 Some ancient gold coins are being displayed <= - _ a cheering te rseay ence 6 They might deliver a package for me. (delivered) 5. Free parking offers /is offered to customer. ieee SE eee ng 6 We serve / are serve all types of meals. 7 Over £5 million has been donated / has donated since the earthquake. @ Asa volunteer, he didn’t pay / wasn’t paid for his work Complete the sentences with the words in brackets, Use the passive form. 1. Hopefully the fee oy) by next week. zu (not announce) yet, but they're opening two new shops. 3 When Katy got tthe office, she learned thatthe meeting (cancel). 4 While my room (pain, I shared a room with my sister. 5 In the outdoor marker, everything e (roust / pay for) in cash. 6 Some of this suff probably é (can / trade) for things you want 7 The poo! (close) for repairs since September. 81 (give) a discount even though the sale had ended - & Wire sentences that logically follow the first sentence. Use the passive form and the words In brackets. 1 My camera is broken. (not repair / yet) in — 2 I didn’t carry the boxes home because they were too heavy. (deliver / tomorrow) ‘They 2s 3. I’m sorry, but you can’t borrow the car today. (clean / ‘at the moment) I = 4 Your hair is getting too long. (should cut / soon) nt - 5 John looked upset after the interview, (not offer / a job) He 5 Complete the sentences with the verbs in brackets. Useactive or passive forms. 1 John promised he'd return the money that he (borrow) from me last month. (keep) his Do you think he — promise? 2_ I'm sorry your questions (not answer) yesterday. Our computer system (upgrade). 3 We____ (process) your order immediately and a receipt — (end) to your e-mail address. 4 This antique ring is very unusual. It should / examine) by a jeweller so its value _____——. (know). B Baceceictipies —— (just / fall off) m3 torbil ‘sd nk aoe injure). Scanned with CamScannerG Correct the errors. 1. Today, many items can are bought online. — oo B Complete the text with the correct active or passive form of 2. When will be our clients offered our new products? the verbs in brackets. There may be more than one correct answer, 3. It is be believe to be tru —— ‘Side Hustles & In some countries, cash doesn’t be used at all 5 New items have to be advertise every week. 7 Translate the sentences into your own language. 1. How much were you charged for repairing your smartphone? 2. Credit cards can now be used almost everywhere, 3 It is considered rude to ask people about their salaries. Ifyou". (not make) enough money at your job, the answer could be to finda side ~ hustle. This new term? i (use) 4 Mark left his job because he had been offered a higher by the millennial generation to describe odd jobs that salary. supplement a permanent job salary, In the past, people = 3 nmernnnnnm—(take on) addtional 5 You are going to be shown around the office tomorrow. ‘employment when extra money (need) to pay the bills. Recently side hustles §___ __ (become) popular for another reason. Today, many young professionals * (discover) that they are stuck in unsatisfying jobs. Their solution isto find. an interesting side hustle that? hep) overcome this feeling, Sutabe parttime jobs gis esa Sc (can/ find, with possibilies ranging from teaching fitness classes to selling vintage items on eBay. For millennial, aside hustle isn’t just about earning extra cash, Its about ‘making your life interesting while keeping that 9-0-5 job. co Scanned with CamScannerUsreacne EE Discussing Preferences jeat. Ml 3 ustenand rep eg 2 pain /9/ isten and underline the word you hear. aj 1 Write about the topics usingasultable phrase. There may be ‘more than one possible answer. Use each phrase at east ‘once. Make any necessary changes. bu gnin: Ndrather | Ipreter ies betterto Thatway, sothat Aen pert 1 shopping at a chain shop 2 thin : . shopping at a boutique 3 been ae = a scene 2 getting gifts that are store-bought 5 mean meaning Setting gifts that are handmade ae ——— ‘TION 2 ring ioe iain shopping with a friend 4 paying to get a hatrcut 5 Listen and write the sentences. cutting my own hair 5 buying new things buying second-hand things 2 3 Reaching a Decision 4 2 Complete the sentences with a logical continuation. a 1. I don’t think you should spend a lot of money on brand- at Mili. name clothes. ‘You know what? You're probably right. 2. It’s a good idea to save as much money as possible, ‘Yes, but the problem is... 3. [think we should use the budget fora class trip. (OK, so we agree! 4 Let’s goto the shopping centre tomorrow! {rm not so keen of that id€3. 0a 5 They're offering a great discount for a weekend at the seaside. Let's £0 £08 It eer 6 I'mnot sure where to buy new sports shoes. How about Scanned with CamScannerSocial Media Posts 1 Youare going to read social medta posts by four people sharing how they manage thelr holiday shopping ‘Which writer ...2 1. helps others through shopping 2. has become more organised with his / her expenses doesn’t give typical presents used to feel guilty shopping used an app to look for gifts receives feedback from the people he / she gives gifts to 7. found a way to save money by chance B sticks toa budget when shopping 2 Answer the questions. 1. What did Brenda like about shopping on Bunz? 2. Where does Kayla shop for the holidays? 3. What does Rick think about when deciding on a gift? @ What is Car!’s financial goal? 3 Find words or expressions in the text that mean: 1. removed (Brenda) 2 cheapest (Kayla) 3 unusual (Rick) 4 record / monitor (Carl) HOLIDAY SHOPPING STRATEGIES HOLIDAY SHOPPING CAN BE A VERY STRESSFUL EXPERIENCE, ESPECIALLY WITH LIMITED TIME AND FINANCES. WHAT'S YOUR STRATEGY? Brenda: This year, | 5 w designer handbag, got reat ots Kayla: I've always loved holiday > that while | was buying and receiving 9 afford these p) Then | learned about ne fo ¥ For every item a company sells, it g fortunate, Since then, 1 only do m ‘companies with ths policy. It may né option, but I know that my purcha a bit better for someone else 20 Rick: As a minimalist consumer, | buy only the basics. The 2 Of living with less is that you don’t have to work so hard to make money for things you don't really need. | believe that for hold gifts, the focus should be on giving time rather than store-bought presents, It requires some creativity, as the gift should be something 2s truly meaningful for the recipient. It could be a home-cooked meal a friend who's stressed, or simply watching the sunset with someone. ‘The people around me know how | live, so they expect off-beat gifts | from me and really appreciate them 76 NSAS Comment ke 16 (Carl: | personaly know how holiday spending can get out of control 0 Its 50 easy to overspend, especially online, and end up owing more ‘than you have. Thisyear, | downloaded an app to help me keep track of my expenses. Ever time I shop, seta limit and enter every transaction ‘on the app. | get constant updates about how much money | have left use online sites to compare prices and check last-minute deals 8 Its challenging to keep to a budget, but its great that next month 1 have enough money to pay mi bills | zevesreonca OTe Scanned with CamScannerDWRITING An tnformative Essay EEE eA 1 Complete the sentences with the connectors of purpose below. Use each connector once. There may be more than one correct answer, Soasto to soasnotto inorderto imordernotto so that 1. Thave to go to their office the rental agreement, sign 2. My brother is saving his pocket money ‘upgrade his phone, 3. Jessica has stopped using her credit cards {go over her budget. 4 Shops play slow music get ‘customers to spend more time shopping, 5 It’s a good idea to prepare a shopping list forget to buy something 2 Complete the informative essay about a television game show with a suitable connector of purpose. There may be ‘more than one possible answer. ‘Supermarket Sweep was a successful US television game show in the 1960s, and the first to have contestants taking part in a live race * win a prize Three teams competed in the show. First, there was a quiz ‘about the prices of some products. Then, the teams ran ‘around the supermarket? pile their trolleys with 2s much as possible in the time they had, ‘The team with the highest bill won. In later versions, a further challenge was added * the winning team would have a chance to win another $5,000. The original show was broadcast five days a week for 19 ‘months. By the time it ended, almost $2 million in prizes had been given away. Having contestants rae to complet a change _.win a prize made Supermarket Sweep 4 poplar TV propre. Its format became the basis of several of today's reality shows. 3 in which paragraph in Exercise 2 could the writer have written the following? 1 Win or lose, every team got to keep all the items, 2. Furthermore, it had become so popular that there was ‘a board game based on the show. 3. Decades late, its special format would influence the ‘makers of reality television programmes, 4 Are you familiar with any of them? ‘rite an informative essay about a TV pro inere people have to do something to earn prize. Write 120-150 words. 4, Brainstorm your essay. to write about Look at several sites on the Internet to find | information. List the facts and details you find, 3 Choose which facts you want to include. Take into account the following points: + what the goal of the programme is + how the programme is organised / what the rules are + who participates in the programme + why the programme is successful / popular + additional ideas or facts to include 5 Organise your ideas into paragraphs and write your essay Use the model in Exercise 2and the Useful Language below to help you. Remember to write the information you find in your own words. Scanned with CamScanner[vocasutary 1 Complete the sentences with the correct form of the words In brackets. 1 T feel sad when I see is 2. Because he's so. (home) people. — (wealth), he can afford to own several homes. 3. T'drather not talk about it. I's — (person). 4 I'm considering —______ (purchase) a new car. 5 He discusses (controversy) topics. 2. Choose the correct answer. Pay attention to the words n bold. 1. Without the remote control, I can’t use my television / tablet. 2. If we split the cost, we'll each save / waste money. 3 Thaven't got any cash, so can I pay with these notes / acredit card? ‘4 They went broke due to some very wise / bad financial decisions. ‘5 How ong will it take you to pay back / lend the money you owe? 6 It'sbeen a tough day because I was able to relax / had two big exams. 3 Complete the text with the words and expressions below. damage | ignored | downside | purchase | stuff queues | spread Is Online Shopping Really Green? Buying online is a good way to’ —...and avoid long? _ Ithas also been regarded as being environmentally friendly, because people can shop without driving - and fewer cars on the road mean less ‘environmental 9 —_——___ However, research has shown that online shopping is ‘ot ealy “green”. One reason i that more and more is being bought on the Internet. During Black Friday and Cyber Monday ~ two days of big sales — ‘Americans *. more items online than in physical shops. That means more delivery trucks are on the road, polluting the ai Experts also point to other effects of online shopping that shouldn’t be *. . For example, people often q their orders among several companies, which then * ‘the number of deliveries. ‘Another * 4s that millions of packages are ‘Tetumed every year, requiring extra shipping. In the end, this cancels out the environmental benefits of online shopping. increases | shop around Mame Cet aE 3 | 4 [st 6 [crammar complete the text with the correct form of the verbs in brackets. Use modals where necessary. Where there Is no verb, use a sultable relative pronoun. There may be more than one correct answer. Brewster’s Millions How + you. ‘$1 milion within a year if you had to? You (think) that’s easy, but in the book Brewster's Milions, the hero discovers that it's a challenging task. Montgomery Brewster is an ordinary guy ? wealthy grandfather leaves him $1 million. Then he inherits an ‘adcitional §7 milion trom a rich uncle. There is. however, a ‘condition. 1 Brewster * (not spend) his ‘grandfather's innertance within one year, he wor't receive his Uncle's monay. Brewster is certain that by the end of the year, he’ ___.... (spend) everything, but it turns out to ‘be harder than he'd thought. ‘The book * (spend) (write in 1902 and since then, it (turn into) a play and 12 films inthe US and abroad. The appeal of the story *——___ (explain) by people's fantasy of what t's like to spend $1 million. So what happens to Brewster? To find cut, you (read) the book! 5 Rewrite the sentences using the words in brackets. Do not change the original meaning. 1 You recommended the latest phone, Eric bought i (which) Eric —_— 2. They are thinking of adopting a cat. (might) They _ 3. A finance manager has advised us to sell our business. ey) —- fs My neighbour walked my dogs while Iwas away. (were) My— 5 She doesn’t have all the information, so she hasn't made her decision yet. (when) Scanned with CamScanner