The document provides vocabulary definitions for key financial terms: put aside, save, down payment, loan, and drawing in debt. It then lists four individuals - David, Su-jin, Robin, and Andreas - along with their short-term and long-term personal goals. These include starting to live within one's means, saving for a car or travel, getting a job, and paying off debt. The document asks questions about relating to the individuals and sharing similar goals. It provides examples of expressing future plans and intentions. Finally, it presents a short paragraph stating it is better to save money than spend it and giving three reasons why.

1. Summit 1
Lesson 1 unit 3

2. 
Vocabuylary
1. Put aside
1. Save
2. Down payment
1. Pay a credit
3. Loan
1. Money borrowed from a bank
4. Drawning in debt
1. Be heavily in debt (different creditors)

3. name
David
Su-jin
Robin
Andreas
Short-term goal
Long-term goal

4. name
Short-term goal
Long-term goal
David
Start living within his
means
Put aside enough money
for a car
Su-jin
Get a job as a financial
consultant
Reach financial
independence
Robin
Find a job and begin a
payment plan
Pay off her debt
Andreas
Save enough money to
spend a year traveling

5. 1.
How similar are you to any of the people in
the grammar snapshot?
2.
Do you share any goals they mentioned?
3.
What are some of your goals?

6. I
She

expect
hope
intends
plans
to make
to finish
to graduate
to travel
a good leving.
learning English.
from university.
aroun the country.
Task
 Find, in the grammar snap shot, expressions of
general future plans

8. Plans before a specified time in the future
By the next year
Once
After
I
She
I
She
expect
hope
intends
plans
have
has
To have
saved….,
finished…., I
graduated, She
traveled …,
saved …..
Finished…..
Graduated…..
traveled …..
will ……

9. 
By 2015 Joe will have paid his debt
now
Pay off bebts
2015
1.
2.
Once Joe has paid his debts, he will start saving.
Once Joe has paid his debts, he is going to start saving.

10. After completing.
Imagine future plans for these people
1. Brenda has worked very hard this year.
2. Alison is not pleased with the job she ha´.
3. Matthew got into huge debt.
4. Stephen is tired of taking the bus to work.

12. 
In my opinion it is better to save the money
you earn than spending for three important
reasons.