1- Spending /’spendin/ noun: The money that is used for a particular purpose, especially by a

government or organization:
2- Waste/weist/ noun: an unnecessary or wrong use of money.
3- Sale/ seil/
4- Coupon/ Ku:pon/ a piece of paper that can be used to get something without paying for it or at
a reduced price.
5- Challenge/ ‘tral indz/ something that needs great mental or physical effort in order to be done
successfully and therefore tests a person’s ability.
6- Affirmative/ e’fer me tiv/ adj: relating to statement tha shows agreement or say yes
7- Statement/ stei ment/ noun/: Something that someone says or writes officially

Grammar Notes:

Verbs in simple present tense (first person)

We use the simple present to talk about actions we do again and again:

Point 1: WH question use the following pattern:

WH + Do (does) + noun/pronoun+ Verb?

Ex: - What do you do ?

_ Where do you live?

- How do yout get to school

- When do you exercise?

- Why do you want a pet

Point 2- Affirmative statements use the following pattern

- I work for a tech company

- I live near the sation

- I take the bus

- I play soccer every Monday ninght

Point 3: Negative statement use the following pattern

- I do not work from home.

- I do not live near my work

- I don’t drive to work

- I don’t exercise that much

Point 4: Yes/ No questions use the following pattern

Do (does) + noun/pronoun + verb?

- Do you likes tennis?

- Do you have a car?

- Do you cook a lot?

- Do you want a pet?

Point 5: You do not need to repeat the verb when you answer a yes/no question.

Topic:

Two people talk about their sending habits and saving money

Abi: Todd, Are you good at saving money?

Tod: No, I’m terrible. I waste money, I waste so much money.

Abi: How?

Todd: Well,
fit fit Healthy an strong,
especially as
result of exercise