Match the clauses. What type of conditional does each sentence express?  (Nối các mệnh đề, loại câu điều kiện mỗi câu là gì)

1. If you get a job,                                          a. I will have enough money for next summer's trip.

2. If you use a credit card,                            b. apply for a student loan.

3. If I save money regularly.                         c. you earn money

4. If I bring my lunch to work,                       d. you pay interest.

5. If you don't have enough money for the school year.               e. I will save money on food.

Write the words in blue next to the definitions.

(Viết các từ màu xanh bên cạnh định nghĩa của nó)

1. money that students borrow to help pay for college student loan

2. money you receive from work:

3. money you spend:

4. receive money that you have to return in the future:

5. give someone money that they have to return in the future:

6. a spending plan:

7. put money in the bank for the future:

8. the percentage (%) you pay when you borrow money:

9. money you give to the government:

10. get money from working:

Read the article from a student magazine. What advice does the article give? Do you think it’s good advice? (Đọc  đoạn văn về tạp chí học sinh. Lời khuyên mà bài báo nói là gì? Bạn nghĩ đó có phải là một lời khuyên tốt không?)

STUDENT LIFE

Managing your Money

Congratulations! You just received your first student loan. So now it's decision time. How are you going to spend it? On a new phone? Or some cool sneakers? Well, don't! Before you spend a penny of it, make a budget. Compare the amount of your loan with your expenses (rent, transportation, food). If you don't have enough money for the year, maybe you can borrow more. But if you borrow money from a bank, you pay interest So, if possible, ask a friend or family member to lend you the money If they have some extra money, they will probably help you. Or, a lot of students have part-time jobs to earn some money. And if you are a student, you don't pay much in taxes for the money for the job. With this income, try to save some money for later in the year.

In pairs, complete the sentences in your own words. Use the simple future, simple present, or an imperative form. Then compare your sentences with another pair. (Theo cặp, hoàn thành các câu bằng từ của riêng bạn. Sử dụng thì tương lai đơn, hiện tại đơn hoặc dạng mệnh lệnh. Sau đó so sánh các câu của bạn với một cặp khác)

1. If you save 20% of your income every month, ____________

2. If you spend more money than you earn,__________

3. If you borrow money from your parents, ________

Listen to the conversation. What does the tourist want? What instructions and advice does Jim give? (Nghe đoạn hội thoại. Khách du lịch muốn gì? Jim đã khuyên và hướng dẫn gì?)

Tourist: Excuse me. Can you help me?

Jim: Sure, what's the problem?

Tourist: I'm from Japan and I don't have any dollars. I only have Japanese yen.

Jim: If you want to change money, go to the currency exchange.

 Tourist: Where is it?

Jim: If you go down this street, there's a currency exchange on the right

Tourist: Oh, thank you very much. If I change my money, then I will be able to get something to eat.

In pairs, follow the steps below.

1. Make a list of all your monthly expenses (e.g., bus pass, clothes, food, etc.). Write them in the table.

2. Compare your answers with another pair

(Theo cặp, hãy làm theo các bước dưới đây.

1. Lập danh sách tất cả các chi phí hàng tháng của bạn (ví dụ: vé xe buýt, quần áo, thực phẩm, v.v.). Viết chúng vào bảng.

2. So sánh câu trả lời của bạn với bạn khác)

Make new conversations between the tourist and Jim. (Tạo một đoạn hội thoại giữa khách du lịch và Jim)

The tourist wants to:

+ get money from an ATM

+find a bank.

+ buy souvenirs.