NAME: DATE:

UNIT 18 Grammar ExErcIsEs

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Center Stage 4, Unit 18 Supplementary Grammar Exercises 1

Grammar to Communicate 1: Present Real Conditionals

A Completeeachsentence.Circletheletterofthecorrectanswer.

1.

you should try to get a higher-paying job.

a. If you get really good grades, b. If you need to earn more money,

2. You should get a student loan

a. if you can’t pay for your tuition. b. if you can’t pay your mortgage.

3.

you can apply for a scholarship.

a. If you get really good grades, b. If you need to earn more money,

4.

you should open an account at a different one.

a. If you don’t like your bank, b. If you can’t pay off your credit card,

5.

you should consider a career in banking.

a. If you have a credit card, b. If you love working with numbers,

B Completethesentenceswiththecorrectformoftheverbs.

1. If you see(see)

a bank, please let(let)

me know.

2. I (worry)

if the balance in my checking account (go)

below $500.

3. Many banks (make)

special offers if they (look for)

new customers.

4. If we (have)

any extra money at the end of the month, we (put)

it in our savings account.

5. If you (keep)

more than $500 in your savings account, the bank

(pay)

you 1.5% interest.

6. The company (charge)

$50 if a customer (not / pay)

the minimum

payment by the due date.

7. If you (plan)

to buy a new house, (try)

to put some money

aside each month.

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Center Stage 4, Unit 18 Supplementary Grammar Exercises �

NAME: DATE:

Grammar to Communicate 2: Future Real Conditionals

A Completethesentences.Usethecorrectformoftheverbs.

1. If you open(open)

an account here, we will give(give)

you free checks.

2. If I (give)

the bank $20,000, how much

my monthly

mortgage payment (be)

?

3. If I (spend)

all of my money this weekend, I (not / have)

enough for

the rest of the month.

4. Our phone bill (be)

much less expensive if you (stop)

making so many long-distance calls.

5. You (hurt)

your credit if you (miss)

credit card payments.

6. If you (not / have)

enough to pay your rent this month, I (lend)

you some money.

B Writestatementsorquestions.Putthewordsincorrectorder.Useif.

1. I / a cell phone / how much / get / cost / it / every month

If I get a cell phone, how much will it cost every month?

2. we / pay / our mortgage / can’t / we / ask / might / next month / for a loan

3. pay / $1,000 a month / we / how much / there / be / interest

4. put / in my savings account / extra / this month / I / money / have / I / it

5. do / can’t / we / this month / pay / our bills / what / we

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Center Stage 4, Unit 18 Supplementary Grammar Exercises �

NAME: DATE:

Grammar to Communicate 3: If and When

A Completethesentences.Useiforwhen.

1. You’ll be able to call home anytime when

you get your new cell phone.

2. You can pay me back

you get your paycheck next week.

3.

I get the promotion I’m hoping for, I’ll get a 20% raise!

4. I’d love to save some money.

I eat at home more often, it will be

easy to put some money away.

5. The loan officer at the bank promised to call tomorrow, so I’ll call you

I hear from him.

6. Many people get into debt

they use credit cards more often than

cash. It has become a serious problem.

7. I’m not sure Tony is coming, but I’ll tell him the news

I see him.

B Completetheconversations.Usethewordsinparentheses.Addiforwhen.

1. A: I got a job!

B: Great news. When you start getting a paycheck(start getting a paycheck)

, you can start paying

off your debt.

2. A: We found a house that we love, and we’ve applied for a mortgage.

B: Good luck! (buy a house)

, you won’t have to pay

rent anymore.

3. A: I want to return these shoes, but I didn’t keep the receipt.

B: Most stores won’t take back purchases (not / have the receipt)

.

4. A: I get very annoyed (people ask me about money)

.

B: Well, (feel that way)

, I know that you’re going to

be very annoyed when you go to the bank tomorrow!

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Center Stage 4, Unit 18 Supplementary Grammar Exercises �

NAME: DATE:

Review and Challenge

Findandcorrectthemistakeineachitem.

if 1. I won’t be able to pay you back when the bank doesn’t approve my loan. They

promised to call today.

2. My bank pays interest every month when customers will keep a balance of at least

$500.

3. I won’t go to the concert when the tickets are too expensive. I can’t afford more than

about $25.

4. If my boss won’t give me a raise at the end of the year, I might start looking for a new

job.

5. You should stop eating out so much if you’ll want to save money.

6. If you’re angry that Joe hasn’t paid you back, you need to talk to him about it when

you’re seeing him.

7. We’ll ask my parents for a loan if we need money for a new car. We’re not sure we

should ask them.

8. If you aren’t going below the minimum balance, your checking account will be free.

9. Some advice for you: If you don’t need something, won’t buy it.

10. If someone will have a lot of debt, he or she probably doesn’t sleep well at night.