Reading
5. PW. Explore and answer the questions.

1. 1. What’s the minor indulgence (the state or act of having or doing whatever you want; something small and unnecessary;) that you spend money on regularly? (for example, a daily cup of coffee or a weekly magazine)______________
2. How much does this indulgence cost?_________________
3. Calculate how many times per year you spend money on it. For example, a cup of coffee each weekday: 5 days x 52 weeks = 260 times per year.___________
4. Multiply the cost (your answer to question 2) by the number of times (your answer to question 3).________________________
5. Were you surprised by the results?
   Can you think of anything else you’d like to spend that money on?________________

6. | PW. Choose and explain the statements that best apply to you. Then compare your answers with your partner's.

I live within my means. | I live beyond my means.
I keep track of my expenses. | I don’t know where the money goes.
I regularly put something away into savings. | I spend everything I have and never save.
I always try to pay my credit card bills in full. | I can’t make ends meet.
I always have enough money for what I need. | I don’t worry about paying my credit card bills off every month.

7. GW. Express your attitude to the following quotes/sayings and write
■ Money doesn’t always bring happiness.
■ Money isn’t the most important thing in life, but it’s reasonably close to oxygen on the “gotta have it” scale.
■ Money can’t buy you happiness.
■ Those who believe that money can do everything, in fact, can do anything for money.