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LESSON
2 GOAL Talk about financial goals and plans D NOTICE THE GRAMMAR Find a statement in Spotlight on page 27 with the future perfect.
DIGITAL
MORE
EXERCISES

E GRAMMAR PRACTICE On a separate sheet of paper, use the cues to write sentences
with the future perfect.
A 2:08 GRAMMAR SPOTLIGHT Read the interview responses. Notice the spotlighted grammar. 1 By the end of this month / I / put half my paycheck in the bank.
2 By next summer / Stan / save enough to make a down payment on an apartment.
Q: Tell us about your short-term and long-term financial goals and plans. 3 Do you think you / lower / your credit card debt by December?

I find it helpful to try to 4 When / they / start / spending less than they earn?
I’ve decided to set a long-term goal
for myself—to save enough money picture where I want to
to buy a new car. By this time next be in the next few years. By F GRAMMAR PRACTICE Complete the paragraph, using perfect infinitives.
year, I’ll have put away enough next year, if I play my cards
cash for a down payment. I’m right, I figure I’ll have gotten a Ed Compton has been drowning in debt, so he has some emergency short-term goals.
optimistic that I’ll be able to afford good job as a financial consultant.
the monthly payments after that. That’s a short-term plan, I guess. By the end of the month, he a realistic budget that he can stick to.
1 intend / create
My short-term goal is to make My long-term goals? They’re still As a matter of fact, he the last payment on his car loan by October 30th.
Hana
a budget for my monthly Paul
a little up in the air, but my 2 hope / made

Sung, 28 expenses and stick to it. Drake, 24 goal is to be financially In addition, he saving 10% of his paycheck even before that. If he can stick to his
3 plan / begin
Incheon, Sydney, independent, able to retire if
South Korea Australia budget and savings plan, Mr. Compton all the money he owes within the year.
I want to, before I’m fifty. 4 expect / pay back

I’m not a big spender, but my college expenses

have been astronomical, and now I’m in debt. My G ERROR CORRECTION These sentences all have errors. On a separate sheet of paper,
salary from my part-time job helps a bit, but I still had to rewrite them correctly.
borrow money from my family, and paying back those loans 1 I expect to will earn enough money to buy a car by the end of the year.
will take some time. Here’s my plan: By this time next year, 2 Before they come back home, they will to have spent all the money they
I’ll have graduated. My immediate goal is to find a job and took with them. PRONUNCIATION
make enough money to be able to put away 10% every month, BOOSTER
3 We hope having completed our driver training by the end of the week. p. 143
which I’ll use to begin paying off the loans. After I’ve advanced Sentence rhythm: thought groups
in my career, say after four or five years, I expect to 4 By the time I’m thirty I will to be married for five years.
Sara
have started earning enough so that 10% of my salary Williams, 21
will amount to more money. I really hope to have Detroit,
USA !"
paid back all my loans by the time I turn thirty.
NOW YOU CAN Talk about financial goals and plans
B MAKE PERSONAL COMPARISONS Discuss the questions. A NOTEPADDING Write your short-term and long-term financial goals.
1 How are you similar to or different from any of the people in the Grammar Spotlight?
2 Do you cut back on your spending to buy something you want? Are you financially independent? completion dates long-term goals completion dates
short-term goals
Give specific examples from your own life. by this time next year buy a house
by the time I’m thirty
buy a racing bike
short-term goals completion dates long-term goals completion dates
DIGITAL
INDUCTIVE C GRAMMAR COMPLETED FUTURE ACTIONS AND PLANS: THE FUTURE
ACTIVITY
PERFECT AND PERFECT INFINITIVES
Note: These are some
Use the future perfect to indicate an action that will be completed by a specified time in the expressions that commonly
future. It’s common to state the particular time somewhere in the sentence. Form the future accompany statements in
perfect with will have or won’t have + a past participle. You can contract will. the future perfect:
before / after [May 15]
By the time Cleo gets her visa, she will have waited for two years. on / by [Tuesday]
I’ll have finished paying for my car before the end of the year. by the time [she arrives]
They won’t have eaten lunch before 2:00. in the next [month]
Will she have finished work by 9:00? (Yes, she will. / No, she won’t.) DIGITAL
VIDEO B DISCUSSION ACTIVATOR Discuss your financial goals with a partner, using Ideas
information from your notepad. Make statements in the future perfect and • be financially independent
Use a perfect infinitive after hope, expect, intend, or plan to indicate that an action will statements with hope, expect, plan, and • be out of debt
or might take place before a specified time in the future. Form the perfect infinitive with A year from now I’ll have • cut back on spending
intend with perfect infinitives. Say as much
to have + past participle. paid back my loans. • create a realistic budget
as you can. Be sure to change roles and
By this time next year, I plan to have saved enough cash to buy a car. GRAMMAR BOOSTER p. 130 then partners. • stick to a budget
They intend to have completed their studies by June 10th. • The future continuous By the time I graduate, I hope to have • start saving money
• The future perfect continuous saved enough to buy a new car.
Do you expect to have paid back your loans in the next year? (Yes, I do. / No, I don’t.)
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