VOCABULARY

A: READ THE ARTICLE FROM A STUDENT MAGAZINE

Congratulations! You have received your first student loan.

How are you going to spend it? Are you going to go out and buy that new cell
phone or those cool sneakers?

well, don't

Before you spend a penny, you have to make a budget and plan your
spending.First, write down your income how much money you receive. Then
calculate your expenses (rent, transportation, food).If your expenses are lower
than your income you are on the right thack! Now you know how much money
you have left to spend each month. But don't overspend or you will have to
borrow money. Borrowing money from the bank is expensive.

Interest rates are high.You could check to see if a friend or family member can
lend you the money.

You also have to think about the long term.How are you going to pay for that
spring break at the beach, or buy family presents?

You will have to save some money every month.So, that new cell phone can
wait.Manage your money and maybe you'll be able to take that spring break at
the beach in Mexico!

B: WRITE THE WORDS IN BLUE NEXT TO THE CORRECT MEANINGS

1. the amount of money you spend

expenses

2. to ask someone to give you money

borrow
3. the amount of money you receive
student loan
4. to spend too much money
overspend
 5. a spending plan
budget
6. to give someone money
lend
7. to put money in the bank for the future
save / income
8. the percentage(%) charged when you borrow money
interests rates

A: MATCH THE IF CLAUSES WITH THE CORRECT RESULTS CLAUSES

1. If you borrow money from the bank D

2. If you save some money every month E

3. If you lend money to your sister A

4. If your expenses are greater than your income B

5. If we eat at home instead of in a restaurant C

a. she won't return the money until the end of the month

b. you won't have enough money to pay the rent

c. we will have enough money to go to the theater

d. the interest rates will be high

e. you will have enough money to buy a new computer

B: UNSCRAMBLE THE WORDS TO WRITE CONDITIONAL SENTENCES.

DON'T FORGET THE PUNCTUATION

1.a bigger car some money we borrow if we can buy

if we borrow some money we can buy a bigger car

2. a new job more money i will have i get if

if i get a new job i will have more money

3.on vacation we overspend If to go we won't te able

if we overspend we won't te able on vacation

4. you won't have to i use your credit card if lend you $100

if i lend you $100 you wont't use you credit card

5. our car......sell.....we will be able to rent....if we....a bigger apartament

if sell our car we eill be able to rent a bigger apartament