Lesson 2. Financial Planning
What you'll learn:
Vocabulary: Money matters
Grammar: Future Perfect/Perfect Infinitive
Speaking: Talking about financial goals/Financial
Budget Writing: Making a poster for managing a personal budget

| cues [kju:z] (n) remarks, words, reminders. I followed her cues. emergency [ı'mə:dʒ(ə)nsı] (n) a serious, unexpected, and often dangerous situation requiring immediate action. Survival packs were carried in case of emergency. expense [ek'spens] (n) the cost required for something. Conference rooms were equipped at great expense. fall back on [fɔ:l bæk ɔn] - (v) have recourse to when in difficulty. I have no extra money I can fall back on. indulgence [ın'dʌldʒəns] (n) the state or attitude ofbeing tolerant She regarded his affairs with a casual, slightly amused indulgence. max [mæks] (v) reach the limit of capacity or ability. Job growth in high technology will max out. owe [əʊ] (v) have an obligation to pay or repay (something, especially money) in return for something received. They have denied they owe money to the company. put aside [.pʊtə'saıd] (v) dismiss, reject. We should put aside our differences saving account [,seıvıη ə'kəunt] - (n) a deposit account. To open a saving account with a bank. well off [wel əf] (adj) rich, wealthy. Her family is quite well-off.

LISTEN AND ANSWER THE QUESTIONS! Read Listening Material
Read through the questions. Then listen to the passage and answer the following questions.

1. What is the passage mainly about?
   a) The Queen of the UK
   b) The royal family of the UK
   c) The staff of Buckingham Palace
   d) Saving habits of the royal family
   e) The design of Buckingham Palace
2. Which is NOT mentioned according to the passage?
   The Queen__________
   a) is donating her used clothes to charity centers
   b) prefers washing her worn-out gloves
   c) refuses to order new pairs of gloves
   d) still has clothes from 40 years ago
   e) is against waste
3. Choose the WRONG answer according to the passage.
   According to Kate Williams the Queen ________
   1. decreased the rates of electricity bills
   2. never lets used gift-wraps go to waste
   3. has been saving ribbons from the trash
   4. ordered to install 40, 000 lights in the palace
   a) 1, 2
   b) 1, 4
   c) 2, 3
   d) 2, 4
   e) 3, 4
4. Choose the correct answer according to the passage.
   In 2011________
   1. ordered to switch on the lights when necessary
   2. the Queen posted signs around the building
   3. gave interview to the “Financial Times”
   4. changed the staff of the palace
   a) 1, 2
   b) 2, 3
   c) 3, 4
   d) 1, 4
   e) 2, 4
5. Write an answer to the question according to the passage.
   Who kept favorite outfit for 35 years?
6. Which word in the passage is closest in meaning to the definition “to make something unwrinkled and silky”

The Royal family has some saving habits. Biographer Kate Williams reveals that Queen Elizabeth doesn’t let used wrapping paper go to waste. Since she was young, she has been saving gift-wrap and ribbons from the trash, then smoothing them out to reuse it.

The Queen is against waste. She prefers washing and mending her worn-out gloves instead of ordering new ones. In fact, she still has pairs from 40 years ago.

Kate Middleton and Queen Elizabeth both wear the same outfit for more than one official engagement. Neither of them comes close to Princess Anne, who has kept favorite outfits for 35 years.

With an estimated 40,000 lights in Buckingham Palace, electricity bills increase fast. In 2011, Queen Elizabeth posted signs around the building, ordering palace staff to turn lights off when they aren’t using them, according to Financial Times. She walks through palace halls switching off lights.

1. What is the passage mainly about?
   a) The Queen of the UK
   b) The royal family of the UK
   c) The staff of Buckingham Palace
   d) Saving habits of the royal family
   e) The design of Buckingham Palace
2. Which is NOT mentioned according to the passage?
   The Queen__________
   a) is donating her used clothes to charity centers
   b) prefers washing her worn-out gloves
   c) refuses to order new pairs of gloves
   d) still has clothes from 40 years ago
   e) is against waste
3. Choose the WRONG answer according to the passage.
   According to Kate Williams the Queen ________
   1. decreased the rates of electricity bills
   2. never lets used gift-wraps go to waste
   3. has been saving ribbons from the trash
   4. ordered to install 40, 000 lights in the palace
   a) 1, 2
   b) 1, 4
   c) 2, 3
   d) 2, 4
   e) 3, 4
4. Choose the correct answer according to the passage.
   In 2011________
   1. ordered to switch on the lights when necessary
   2. the Queen posted signs around the building
   3. gave interview to the “Financial Times”
   4. changed the staff of the palace
   a) 1, 2
   b) 2, 3
   c) 3, 4
   d) 1, 4
   e) 2, 4
5. Write an answer to the question according to the passage.
   Who kept favorite outfit for 35 years?
   Answer: Princess Anne
6. Which word in the passage is closest in meaning to the definition “to make something unwrinkled and silky”
   Answer: smooth