NAME:

DATE:

UNIT 18 GRAMMAR EXeRCiSeS

Grammar to Communicate 1: Present Real Conditionals

Complete each sentence. Circle the letter of the correct answer.

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,

Copyright 2007 by Pearson Education, Inc. Permission granted to reproduce for classroom use.

2. You should get a student loan a. if you cant pay for your tuition. b. if you cant pay your mortgage. 3. you can apply for a scholarship. a. If you get really good grades, 4. b. If you need to earn more money,

you should open an account at a different one. a. If you dont like your bank, b. If you cant 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,

Complete the sentences with the correct form of the verbs.

1. If you 2. I
(worry)

(see)

see

a bank, please

(let)

let

me know.
(go)

if the balance in my checking account

(make)

below $500.

3. Many banks 4. If we
(have)

special offers if they

(look for)

new customers.
(put)

any extra money at the end of the month, we

it in our savings account. 5. If you

(pay) (keep)

more than $500 in your savings account, the bank

you 1.5% interest.

(charge)

6. The company

$50 if a customer

payment by the due date. 7. If you

(plan)

(not / pay)

the minimum

to buy a new house,

aside each month.

(try)

to put some money

Center Stage 4, Unit 18 Supplementary Grammar Exercises

NAME:

DATE:

Grammar to Communicate 2: Future Real Conditionals

Complete the sentences. Use the correct form of the verbs.

1. If you 2. If I

(open) (give)

open

an account here, we

will give
(give)

you free checks. my monthly

the bank $20,000, how much

(be)

mortgage payment 3. If I
Copyright 2007 by Pearson Education, Inc. Permission granted to reproduce for classroom use.
(spend)

?
(not / have)

all of my money this weekend, I

enough for

the rest of the month. 4. Our phone bill

(be)

much less expensive if you

making so many long-distance calls. 5. You 6. If you

(hurt) (not / have)

(stop)

your credit if you

(miss)

credit card payments.

(lend)

enough to pay your rent this month, I

you some money.

Write statements or questions. Put the words in correct order. Use if.

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 / cant / 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 / cant / we / this month / pay / our bills / what / we

Center Stage 4, Unit 18 Supplementary Grammar Exercises

NAME:

DATE:

Grammar to Communicate 3: If and When

Complete the sentences. Use if or when.

1. Youll be able to call home anytime 2. You can pay me back 3.

Copyright 2007 by Pearson Education, Inc. Permission granted to reproduce for classroom use.

when

you get your new cell phone.

you get your paycheck next week.

I get the promotion Im hoping for, Ill get a 20% raise! I eat at home more often, it will be

4. Id love to save some money. easy to put some money away.

5. The loan ofcer at the bank promised to call tomorrow, so Ill call you I hear from him. 6. Many people get into debt cash. It has become a serious problem. 7. Im not sure Tony is coming, but Ill tell him the news I see him. they use credit cards more often than

Complete the conversations. Use the words in parentheses. Add if or when.

1. A: I got a job! B: Great news. When you start getting a paycheck , you can start paying off your debt.
(start getting a paycheck)

2. A: We found a house that we love, and weve applied for a mortgage. B: Good luck! rent anymore.
(buy a house)

, you wont have to pay

3. A: I want to return these shoes, but I didnt keep the receipt. B: Most stores wont take back purchases
(not / have the receipt)

4. A: I get very annoyed B: Well,

(people ask me about money) (feel that way)

, I know that youre going to

be very annoyed when you go to the bank tomorrow!

Center Stage 4, Unit 18 Supplementary Grammar Exercises

NAME:

DATE:

Review and Challenge

Find and correct the mistake in each item.

if 1. I wont be able to pay you back when the bank doesnt 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.
Copyright 2007 by Pearson Education, Inc. Permission granted to reproduce for classroom use.

3. I wont go to the concert when the tickets are too expensive. I cant afford more than about $25. 4. If my boss wont 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 youll want to save money. 6. If youre angry that Joe hasnt paid you back, you need to talk to him about it when youre seeing him. 7. Well ask my parents for a loan if we need money for a new car. Were not sure we should ask them. 8. If you arent going below the minimum balance, your checking account will be free. 9. Some advice for you: If you dont need something, wont buy it. 10. If someone will have a lot of debt, he or she probably doesnt sleep well at night.

Center Stage 4, Unit 18 Supplementary Grammar Exercises