Unit 9

Unit 9
Reported speech (Examples)
Direct speech
1- My wish is to finish the University.
2-My boyfriend danced with me last night.
3-I have played tennis with Yenni.
Reported speech
1-She said that her wish was to finish the University.
2-She said that her boyfriend had danced with her last night.
3-He said that he had played tennis with Yenni.

Reported Questions (Examples)
Direct Questions
1-Are you twenty-one years old or twenty-two years old?
2-How many siblings do you have?
3-Can you play the piano?
Reported Questions
1-She asked me if I was 21 years old or 22 years old.
2-He wanted to know whether how many siblings I had.
3-She asked me if I could play the piano.

*Here you have 6 Tips to Manage Your Money Better.
Usually, the biggest complications that keep things disorganized financially arise from not doing a few simple things.  When you fail to do some or all of these things, it’s easy for your finances to descend into chaos and start causing serious problems in your life.So here are six things you can do to start simplifying how you approach managing your money and learn to more easily keep it under control:

1-Track Your Spending

Start writing down every penny you spend for 30 days.  Once you do that you start getting the feel for what you’re spending on everything, then you can begin a monthly budget . I know a budget may sound complicated, but if you do it religiously it saves you a lot of time and money in the long run. It may seem a little difficult to manage at first, but it gets much easier the more you do it.

2-If You’re Married, Combine Your Finances

If you’re married , there shouldn’t be “His” money and “Her” money or “His” bills and “Her” bills.  All of it belongs to both of you, as we say here in the South, It’s yall’s money.  So always deposit all of the money into one central checking account and distribute it from there. Doing that fosters good communication and, along with a budget agreed on by both of you, will eliminate money fights.

3-Make a “Bills” Calendar

If you have trouble staying organized with paying bills, make a “bills” calendar showing when each bill is due. Review it once a week and pay the bills due for that week.

4-Build an Emergency Fund

When you have money set aside for emergencies, you’re not tempted to go into

credit card or other debt to deal with it. Everybody has the occasional emergency , and if you are already prepared when it comes, that’s one less thing you will have to worry about in a time of crisis, and you won’t have to spend months or years paying it off.

5-Use Cash

Goes along with doing a monthly budget. Once your budget is done, put cash in envelopes for each spending category and spend only cash, only out of those envelopes. This simplifies things because you have a set plan to spend only so much, so you don’t end up spending more than you make.
6-Sell Your Crap

Most of us have too much junk that we don’t need, don’t use, and just takes up space. If you never, or rarely ever use it, then sell it, donate it, or give it to someone that can use it. Those things don’t add value to your life and don’t bring you any joy .  All they do is take up space and drag you down.  So get rid of the junk and pass it along to someone that can enjoy it.