Progress Portfolio
1. Put each of the following verbs in the correct space in the conversation.
pay spend afford earn borrow lend open owe save pay back

Joy: | Pam, I’m in trouble. I (a) ... $200 a week from my job, but I need to (b) ... about $250 a week just on basic things like food, rent and fares. I can’t make ends meet on $200. I’ve got to (c) ... some money. Can you help me?
Pam: | OK. I’m quite well-off at the moment. I can (d) ... you $100. Here you are! But why don’t you (e) ... a bank account? It’s very simple. Then you can (f) ... a little bit every week, and you won’t be so hard up.
Joy: | Pam, I haven’t got enough money to put in a bank account. I can’t (g) ... my gas and electricity bills. I can’t (h) ... to go on holiday. I’m not just a bit hard up. I’ve got no money at all. I’m broke! Anyway, thanks for your help. Promise to (i) ... the $100 next month. I don’t like to be in debt. I won’t forget. I now (j) ... you $100.

2. Put the verbs into the correct form (Future and Past Perfect Continuous).
1. By the end of the month I (to work) in this bank for ten years.
2. My sister (to sleep) for three hours by the time we get home.
3. By May the fifth he (to provide) us with financial help for 3 years.
4. By 10 o’clock she (to watch) TV for 4 hours.
5. She (to sleep) for 10 hours by 11 o’clock.
6. We (to look for) him for 40 days by next Saturday.
7. They (to talk) for over an hour before Tony arrived.
8. When Joe finishes eating we (to walk) in the park for an hour.
9. Kate (to work) at that company for three years when it went out of business.
3. Answer each question about your financial goals using the following:
a) I intend to put away 100 dollars in saving each month.
b) I will have saved enough to buy a laptop by next March.
1. What is something expensive that you hope to buy?
a)______________________ b)______________________
2. Do you have a debt you’d like to pay off? What is it?
a)______________________ b)______________________
3. What is one way you can cut back on your spending and save more each month?
a)______________________ b)______________________