UNIT 10: MONEY – PART A: SAVING AND SPENDING

VOCABULARY
- afford V /əˈfɔːd/ Đủ khả năng mua / làm gì
I can't afford a new car right now.
- budget N /ˈbʌdʒɪt/ Ngân sách
Have a budget : ______________________________
It's important to have a budget for your monthly expenses.
make a budget : ______________________________
We need to make a budget to control our spending.
stick to a budget : ______________________________
It's hard to stick to a budget when there are so many temptations.
- cut back V phr /kʌt bæk/ Cắt giảm
We need to cut back on unnecessary expenses.
- be in debt Phrase /bi ɪn det/ Nợ, lâm vào nợ nần
I'm in debt because of my student loans.
- get out of debt Phrase /ɡet aʊt ʌv det/ Trả nợ hết
It took years to get out of debt after the financial crisis.
- go into debt Phrase /ɡoʊ ˈɪntu det/ Mắc nợ
Many people go into debt during the holiday season.
- owe V /oʊ/ Nợ
I owe $100 to my friend for the concert tickets.
- borrow : ______________________________
- lend : ______________________________
- pay back : ______________________________
- save : ______________________________ put aside / put by
- spend : ______________________________

GRAMMAR:
Lời ước hiện tại: hành động không có thật ở hiện
tại
S + wish(es) + (that) + S + V2/were
be: were cho mọi ngôi
Ex: I wish I were a bird to fly everywhere
Ex: I wish I only needed to work until Friday
Lời ước tương lai:
S + wish(es) + (that) + S + would/could + V
(will -> would; can -> could; shall -> should;
may-> might)
Ex: I wish I could be a billionaire

Lời ước quá khứ: hành động không có thật ở quá

khứ Note: If only (giá như) có thể dùng thay cho S +
S + wish(es) + (that) + S + had + V3 wish
Ex: I wish I hadn’t told him the fact Ex: I wish I had the second chance
> If only I had the second chance
Write you wish
A wish for now: _______________________________________________________________
A wish for your future: _________________________________________________________
EXERCISE:
I. Complete the statements.
cut back borrow lends stick save debt afford pays back
1. It's easy to make a budget, but it's hard to ______________ to it.
2. Jose doesn't like it when people ask to ______________ money from him.
3. You need to ______________ on buying coffee at the cafe. You're spending close to $25 a week!
4. Wanda's older sister always ______________ her money when she asks for it.
5. Many college graduates feel like they'll never get out of ______________.
6. Li always ______________ any money that he borrows.
7. My brother wants a new car, but he can't ______________ one right now.
8. We're careful about spending and try to ______________ a little money every month.
II. Match the words and phrases with the meaning.
1. I wish I ____________ more spare time.
did were had
2. Andy wishes he ____________ a professional athlete.
were is could
3. Marta wishes she ____________ stop coughing.
was can could
4. They wish they ____________ sick.
didn't hadn't weren't
5. We wish our company ____________ in a slump.
didn't can't weren't
6. Do you wish you ____________ more money?
wanted had were
7. Do you wish she ____________ more respectful?
did were was
8.Do you wish we ____________ speak Spanish?
were can could
III. Read each sentence. Then change each sentence to a wish statement.
Example: Kelly isn’t rich. Kelly wishes she were rich.
1. Sara isn’t good at French. -> ............................................................................................................
2. I don’t have enough time. -> ............................................................................................................
3. My brother doesn’t know how to swim. -> ......................................................................................
4. Mr. Donnelly is late for work. -> .......................................................................................................
5. The children don’t have a dog. -> ....................................................................................................
6. Emma can’t ride a bike. -> ...............................................................................................................
7. Hannah is broke. -> ..........................................................................................................................
8. Julio has a headache. -> ...................................................................................................................
IV. Use the words to write a sentence with wish.
Example: They / wish / it / be / snowing. They wish it were snowing.
1. We / wish / it / be / not / raining. -> ..........................................................................................
2. Loren / wish / he / can / afford / it. -> ........................................................................................
3. Sylvia / wish / she / live / closer. -> .............................................................................................
4. They / wish / they / can / go. -> ..................................................................................................
5. I / wish / you / be / here. -> ........................................................................................................
6. He / wish / she / be / not / angry. -> ..........................................................................................
7. Tara / wish / she / have / more / time. -> ...................................................................................
8. I / wish / you / will / stop. -> .......................................................................................................

LISTENING:
Listen for specific information. Read the outline and try to guess the answers. Then listen to the lecture.

Answer: 1. a. ______________ b. ______________ c. ______________

2. a. ______________ b. ______________ c. ______________
3. a. ______________ b. ______________ c. ______________

SPEAKING:
One thing your family made you feel angry and you need an
apology:
……………………………………………………………………………
……………………………………………………………………………

One thing your friend made you feel angry and you need an
apology:
……………………………………………………………………………
……………………………………………………………………………

One thing your neighbor made you feel angry and you need
an apology
……………………………………………………………………………
……………………………………………………………………………