Writing
1. PW. Act the dialogue out answering the questions.
Samir: Why is it important to keep track of your expenses?
Aysel:_________________
Samir: Why can using credit cards be a problem?
Aysel:_________________
Samir: Why can a budget make you better prepared for emergencies?
Aysel:_________________
Samir: Which benefit from the article is the most important?
Aysel:_________________

2. | PW. Read the text on page 128 again and check if the following statements are correct or incorrect.

1. Keep track of your expenses.
2. If you don’t have enough money for something, use your credit card to treat yourself.
3. Buy financial planning software.
4. Cut back* on your spending.
5. Live beyond your means.
6. Wait until you’re older to start saving.
7. Make sure your income is more than your expenses.
8. Pay the least possible amount on your credit card bills each month.
9. Put some money away in savings each month.
10. If you’re feeling down, go shopping.

3. | IW. Write a short paragraph. Use the Future Perfect with the verbs expect, hope, intend, or plan and the Perfect form of an Infinitive.

4. | IW. Respond to the e-mail. Write three suggestions for a person who wants to budget his/her money to save for a TV.

From: Subject: | joesoccer@mail.com Need Advice

Hey, did you see the game last night? I can’t believe I missed it again! I have to get a new TV, but I just can’t manage to save up any cash. What am I going to do?

5. | IW. Project Work. Imagine you want to start a project of redesigning your house/flat. Think and write about your income and expenses using the new vocabulary you have learned.

*cut back - reduce the amount of smth, especially money