G present perfect and past simple

Have you
V money
paid the phone
P t he lett er o
bill yet? Yes, I paid it
yesterday.

1 VOCABULARY money
a 1 34 >)) Listen to a song about n1oney.
Con1plete the gaps with phrases r\ - G.
A a rn aterial \vorld
B conies \Vith a fee
C foo t the bill Educated , 1_ _
D for free H e's w ell-dr essed
E paper or plastic Not funny
F shop ping sprees And not m uch to say in
G v.rith money
Most conversations
b Listen again and read tl1e lyrics. But he'll 2
1n
'vVh ich phrase (A-G) n1eans .. . ?
All sit uations
l rich 'C ause he pays for everything
2 - - - - cash or credit ca rds
3 _ _ __ you have to pay for it
Girls don't like boys, girls like cars and money
4 -- pay the bill
Boys w ill laugh at girls when t hey're not funny
5 __ that you don't have to pay for
6 _ _ _ _ buying a lot of thi ngs at one ti1ne
3
7 - - - - a consumer society
Don't matter
c \\' hat do you think the song is sayin g?
She'll have it
D o you think it is .. . ?
Vacations
• very cynical
And 4- -
• sad , but sometimes true
These are a few
• offensive to wornen (and n1en)
Of her favourite things
d >- p.154 Vocabulary Bank Money. She'll get what she wants
If she's w illing to please
H is type of gir l
A lways 5_ _

Hey, now, t here's not h'1ng 6_ _

Girls don't like boys, girls like cars and money

Boys w ill laugh at girls w hen they're not funny
And these girls like these boys like these boys like these girls
The girls with the bodies like boys with Ferraris
G irls don't like boys, girls like cars and money

A ll of these boys, yeah get all of t hese girls

7
Losing their sou ls in __
2 PRONUNCIATION t he letter o
a (:an you re1n em ber \Vhich word rhyn1es Wi th
the song Girls & Boys?
1110/!e)' in ARE YOU A SPENDER
b Look at so1ne n1ore \.vords \vi th t he letter o. P ut then1 in
OR A SAVER?
the correct colun1n.
I You go shopping and you see something very
clot hes cost dollar done honest loan money note expensive that you really want, but can't afford.
nothing owe shopping some sold won worry You ...
a buy it w it h your cre dit card. You can worr y about the

rn ·w ..·
~ .~

- ~
bill next month.
b already have some money in the bank and plan to
save for a couple of week s and then buy t he t hing you
want .
c borrow the money and agree to pay back a small
amount every week.

c 1J 38>)) .Listen a nd check. 2 You get £I 00 for your birthday. You ...
a spend some of it and save some.
d Look a t son1e \VOrds \Vit h the letters or. Ho\.v is o r
b go str aight to a shopping centre and spend it all.
nor n1ally p ro no u nced \Vhen it's stressed ? \ Vhich t\VO
c put all of it in your bank account until you know w hat
are d iffere n t?
you want t o spend it on.
af ford order wort h organized mor tgage store work
3 Do you a lways know how much money you have,
e 1J39 >)) Listen and check. how much money you have sp ent, and on w hat?
a Yes. I'm ver y organized and know exactly what I have
f Pr ac tise saying these sen tences . and w hat I've spent.
Let's go shopping fo r clo thes. b N o. I haven't got a clue. When I have money I usually
Can l borrO \Vsome n1oney? ,
just spend it .
He \¥o n a n1illion dollars. c I usually have a r ough idea about what I spend my
T hey can't a fford to pay the rno rtgage . money on.

I \vork in a store.
4 You've borrowed some money from a friend, but
l've done nothing \Vro ng. you don't think that you'll be able to pay it back
by the time you promised to. You ...
3 READING & SPEAKING a don't wor ry about it. Hopefully your fr iend w ill for get
about it t oo!
a Read th e CJUestio n na ire a nd choose your ans\vers. b work out how much money you have and how m uch
b Con1pare you r a ns\vers wi th a pa rt ner. S ay \vhy. you owe. You speak t o your friend and explain the
sit uation and offer to pay the money back in small
c )o- Communication Spender o r saver? p.104. Find o u t if instalm ents.
you are a spend er o r a saver . c speak t o your friend and promise that you'll pay him I
her back, but it might t ake a bit longer than you first
thought.
4 LISTENING
S You have a friend who often borrows money
a 1 4 0 >)) Listen to six people ans-.ver i ng the q uestion Are from you and never pays it back. He I she wants
you a spender or a saver? H o '" n1any a re savers? to borrow £50. You ...
b Listen again a nd n1atch spea kers 1- 6 \vith A- F. W ho . . . ? a lend him I her t he money. You can afford it and it
do esn't mat t er if you don't get it back.
AD ahvays has rnonev, in rhe bank
, b say no; he I she owes you too much • alr eady.
Bn o ften ends up vvith no rno ney c lend t he mon ey. but explain that it is the last time,
en thinks he / she is carefu I \v irh 1noney, bu r not n1ean until he I she has paid back this loan.
D n enjoys spending 1noney on his I her hob by
E r I can save 1noney ifhc I she needs co
F LJ prefers to live 11 0\V than \Vor ry about rhe future
5 GRAMMAR present perfect and past simple e In pairs, intervie>v each other \Vith the
q ues tio ns. Ask for more inforn1ation.
a Read the convers ation. W ha t a re they argu ing about ?

b lj41 >)) Read t he conversat io n again and put the verbs in the HAVE YOU EVER ...?
present perfect o r the past s in1ple . Then listen and check.
• bought or sold something on
eBay or a similar site

• lost a credit card or your

wallet

• saved for something for a long What? '

• was t ed money on somet hing

you've never used
···-·--···-·----·-····-······----- .......••••
• won any money
(e.g . in a lot t ery)
.... ···---··-········-····
• lent money to someone

• bought something online and t hen

discovered t hat it was a scam

• been c harged t oo much in a restaurant

I i1· \\
01\\.l l
David I 1haven't seen (see) t hose shoes before. Are t hey new? T..,_ 'le S9 . 01 •

li ar
Kate Yes. I 2 (just buy) them. Do you like them? t~-'!9

(,re t" Stied f l 'l9

D They're OK. How much 3 they (cost)? tSM9
O<"on Sov pn d"'•d ' t1·SO
K Oh, not much. They 4 (be) a bargain. Under £100. t \\el!Se 5 8
<.offee
D You mean £99.99. That isn't cheap f or a pair of shoes.
Anyway, we can't aff ord to buy new clot hes at t he moment .
K Why tiot?
f ~1 . 'f7
o 5 you _ _ _ _ _ _ _ _ _ (see) t his?
K No. What is it?
o The phone bill. It 6_ _ __ _ _ _ _ _ _ (arrive) this morning.
And we 7 (not pay) t he electricity bill yet. How
K Well, w hat about t he iPad you 8 (buy) last week? much?
D What about it? What
K You 9_ _ _ _ _ _ _ _ _ _ (not need) a new one. The old one happened?}
10 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (work) perf ectly well. ____,
/~­
D But 1 11 _ _ _ _ _ _ _ _ _ _ _ _ _ (need) t he new model. -----:z:::~-----~'-------------
K Well, I 12 (need) some new shoes.
Have you ever bough!~o~ l(
~~~ I sold my
sold something one~ ~computer.
c D o vve use the present perfect (PP) or past simple (P S ) .. .?
1 for a con1pletecl action in the past _ __ Who did you sell it to? ~ow )
2 for recent actions \Vhen we don't ask f say exactly \vhen _ __ much did you sell it for~

3 in sentences \Vitb just, yet, a nd already _ __

d )o- p.134 Grammar Bank 2A. Learn m o re about the present
perfect and past si n1ple, a nd practise them.

m
6 READING & SPEAKING THE MILLIONAIRE
a In pairs, ans\ver the questions . Give as inuch
infor mation as you can.
WITH A SECRET
1 Think of t wo people you k no\v personally or
have heard of v.1 ho are very rich. Did they. .. ?
a earn their rnoney (hcl\v?)
His name is not really Jeff. His mother changed
b inherit rhei r rno ney (\vho from ?)
it because he could never spell his real name,
c win it (how?) James, and she thought Jeff was easier.
2 l f they earned thei r rnoney, was it because ... ?
Pearce was born in Liverpool in the 1950s, in a very poor family.
a they \Vere very lucky At school, all the teachers thought he was stupid because he
b they worked very hard couldn't learn to read or write - at that time, not many people
c they had a special talent knew about dyslexia. But there was something that he was good
at: selling things. Pearce's first experience as a salesman was
b No'v read an article about a millionaire. Ho\v did when he was a boy, and he and his mother used to go door-to-
he becon1e so r ich? Why is h is success su rprising? door asking for old clothes that they could sell in the market. He
How d id 11e 111ake his daughter proud of him? instinctively knew what people wanted, and it soon seemed that
he could make money from anything. His mother always believed
c No\v read the a rticle again and number the in him and told him that one day he would be successful and
events in the order in which t hey happened. famous.
A D He becarne a 1ni ll ionaire aga in. In 1983, when he already owned a small boutique, he decided to
B D He learnt to read and \vr ite. invest £750 in leather trousers, and to sell them very cheaply
C D He lost a ll his rnoney. in his shop. ' It was a bit of a gamble, to tell you the truth,' he
says. But Liverpool loved it, and there were photos of shoppers
D ITJ He sold old clothes in the 111arket. sleeping in the street outside his boutique on the front page of
E D He opened a departn1en t store. the local newspaper. The first day the trousers went on sale,
F D He \von an in1portan t pr ize. the shop took £25,000. Jeff became a millionaire, but later he
G D He opened a sn1a ll clothes s hop. lost most of his money in the recession of the Nineties. He was
almost 40, and he was broke again. He even had to go back to
H D He became a m illionaire.
selling clothes in the market. But he never gave up, and soon he
I D He sold clothes in the market again. set up a new business, a department store, called Jeff's, which
J D He wrote his autobiography. again made him a millionaire.
K D H is shop \vas on the front page of a However, success didn't mean anything to Jeff because he still
newspaper. couldn't read or write. Even his two daughters did not realize that
d \Vhat do you think you can learn fron1 Jeff's story? their father couldn't read. When one of them asked him to read
her a bedtime story he went downstairs and cried because he felt
e Look at the ~1iglTiighted words a nd phrases so ashamed. At work he calculated figures in his head, while his
related to money and business. \Vith a partner, wife Gina wrote all the cheques and read contracts.
try to work out the nieani11g fron1 the context. In 1992 Pearce was awarded a Businessman of the Year prize for
the best clothes st ore in Liverpool. It was at this moment
f Com plete the q uestions '~1 ith one of the that he told his friends and colleagues the truth,
~1 ighligfitc \Vords and phrases. Then ask and and decided to write a book about his experience.
answer t he q uestio ns with a partner. But first he had to learn to read and write. He
went to evening classes, and employed a private
I W hen \Vas the last recession in your country?
t eacher, but he found it very difficu lt because of his
Ho\v long d id it last (has it lasted)?
dyslexia. Finally, with the help of a ghost-writer*, his
2 Do you kno\v anybody \·v ho vvorks as a _ _ _ , autobiography, A Pocketful of Holes and Dreams, was
\Vhat does he (she) sell? Docs he (she) enjoy published, and became a best-seller. Recently,
his (her) job:> he was woken .in the middle of the night by
3 lf you \Vere con1pletely , 'vho would someone knocking on his front door. It was
you ask to lend you son1e rnoney? his daughter to whom he hadn't been able
to read a bedtim e story all those years
4 Have you ever bought sornething t he
earlier. She had come to tell him that she
first day it ? 'vVhat?
had just read his book. ' Dad, I'm so
5 Do you knovv anybody \Vho has proud of you,' she said - and burst
_ _ _ o n t heir O\vn? Is it into tears in his arms.
successful?
*A ghost-writer is son1c body \vho
'vrires a book fo r another person
 VOCABULARY BANK
Money
1 VERBS
a Con1plete the sentences w it h a verb fron1 tl1e list.

be worth /bi v,13:e/ borrow /'hnr;'lo/ can't afford /ku:nt ;'l'f'.'l:u/ charge /tJo:d3i cost /kn'>ll earn 1-3:11/
in~fit /J n'hcrit/ invest /J n'vc"I / lend /lend/ owe /-du/ raise /rc11/ save /se1v! waste '""L'l'>I'

I My uncle is going to leave rn e £2,000. I'm going to inherit £2,000.

2 I put son1e money as ide every \veek for a holiday. I money every \veek.
3 My brother has promised to give me €50 until next \veek. He has pron1ised to n1e €50.
4 I need to ask my mum to give me £ 20 until Friday. I need to £20 from n1y n1um.
s l often spend money on stupid things. I often money.
6 I don't have enough rnoney to buy that car. I to buy that car.
7 I usually have to pay the mechanic £100 to service 1ny car. The rnechanic rne£100.
8 These shoes are quite expensive. T hey are $200. They $200.
9 Jim gave rne £ 100. I haven't pa id it back yet. I Ji1n £ 100.
10 l want to put money in a bank account.They'll give n1e S'J{, interest. I \Vant to son1e 111oney.
1I I work in a super1narket. They pay me£ 1,000 a n1onth. I £ 1,000 a n1onth.
12 l could sell my house for about €200,000. Mv, house about €200,000.
13 We need to get people to give money to build a ne\v hospital. We \Vant to _ _ _ 1noney for the ne\v hospit<il.
b 35 >)) Listen and check. Cover the sentences on the right. Try to remen1ber them.

2 PREPOSITIONS 3 NOUNS
a Con1plete the Preposit io n column with a word fron1 a Matcl1 the nouns and definitio11s.
the Iist.
bill bil cash machine (AmE ATM) kreJ 111:-iji:n
back by for (x2) from in (x2) into on to coin k::lln loan 1:-ion mortgage 1n:"':g1J3
note n:-iot salary '><Cl:iri tax t<.ek'>
Preposition
1 note a piece of paper 111oney
1 Would you like to pay cash or credit in, by 2 a piece of 1noney made of rnetal
card?
3 a piece of paper which sho\vs ho\v n1uch
2 I paid the dinner last night. It was my n1oney you have to pay for son1ething
birthday. 4 the n1oney you get for the \vork you do
3 I spent £50 books yesterday. 5 111oney that you pay to the government
4 My uncle invested all his money 6 n1oncy that omebody (or a bank) lends you
property. 7 n1oney that a bank lends you to buy a house
5 I don't like lending money friends. 8 a n1ach ine \Vhere you can get money
-
6 I borrowed a lot of money the bank. b 1 37 i)) Listen and check. Cover the \Vords and look at
the definitions. Try to ren1ember the \vords.
7 They charged us €60 a bottle of wine.
~- ·
8 I can only lend you the money if you pay ~Phrasal verbs
me next week. I t ook out €200 from a cash machine. (= took from my
9 I never get debt. I hate owing people bank account)
money. When can you pay me back the money I lent you?(= return)
I have to live off my parents while I'm at university.
{= depend on financially)
b 1 36 >)) Listen and check.
It's difficult for me and my wife to live on only one salary.
c Cover the Prep osition colun1n. Look at the sentences (= have enough money for basic things you need to live)
_!_
and ren1ember the prepositions.
~ p.14