Answers and an explanation for each question appear once you add this activity to your own library.

Unit 2/6 • Money & Spending ⏱ 12 Mins

Talking About Future Money: will, going to, & present continuous

Learn how native English speakers talk about everyday cash, shopping choices, upcoming savings goals, and fixed financial appointments.

💡

How to Use This Lesson

🧑‍🏫 For Teachers & Self-Study

Spend 4 minutes reviewing the 4-row rule table before doing exercises.
Focus on natural everyday examples instead of complicated terminology.

🎯 For Learners

Look at the keyword clues in brackets like (now), (plan), or (fixed).
Complete all 12 tasks below to lock in the 10 target money terms.

📊 Quick Rules on Money & Future Plans

Pick the right structure depending on when you made the decision or arrangement.

Form	When to use it	Everyday Example	Quick Note
will ('ll)	Decisions made right now at the moment of speaking	"I'll take the cheaper one." Reaction to a price tag in a shop.	No previous plan. Spontaneous.
going to	Plans or intentions decided before now	"I'm going to save five pounds a week." A personal goal set for your budget.	Thought about in advance.
present continuous	Fixed arrangements with time, place, or another person	"I'm meeting the shop manager at five." An organized time is already set in the diary.	Already booked or confirmed.
will (predict)	Predictions based on opinion or general belief	"Prices will go up." General feeling about the economy next year.	Belief, not an appointment.

Target Vocabulary: allowance income cash budget expense bargain discount save afford debt

Practice Zone (12 Tasks)

Part A

Choose the correct sentence for the situation

Select the option that matches whether it is a spontaneous decision, a plan, or an appointment.

1. You are at the market counter right now. The clerk says their card terminal is offline. What do you say?

(now)

____ a. Don't worry, I am paying in cash every single day. ____ b. That's fine, I'll pay in cash. ____ c. That's fine, I am meeting my cash right now.

2. You spent yesterday evening organizing your finances. You decided your monthly spending limit. Which sentence expresses your prior intention?

(plan)

____ a. I will budget strictly because I just saw the receipt this second. ____ b. I am budgeting with the banker at 4:00 PM next Monday. ____ c. I'm going to budget my living expenses much more carefully this term.

3. You have an entry in your calendar for tomorrow at 2 PM with your tax accountant to review your annual income.

(fixed)

____ a. I'm meeting my accountant tomorrow afternoon to review my income. ____ b. I will meet my accountant right now unexpectedly. ____ c. I probably will meet my accountant if it rains.

Part B

Rewrite using "going to"

Change statements expressing plans into natural sentences using be going to (both full and contracted forms accepted).

Original Sentence:

"I plan to clear my debt before the end of summer."

Rewrite starting with "I":

____ (Type your rewritten sentence here...)

Original Sentence:

"I intend to save my monthly allowance."

Rewrite starting with "I":

____ (Type your rewritten sentence here...)

Original Sentence:

"We plan to cut this unnecessary expense."

Rewrite starting with "We":

____ (Type your rewritten sentence here...)

Part C

Complete the sentence using the clue

Fill in the missing verb form using will, be going to, or the present continuous.

7. "Look, that jacket has a 40% discount! What a bargain! I ____ it!" (now)

Provide the correct form of the verb take.

8. "We booked the bank session yesterday. We ____ the financial advisor at 10 AM on Friday." (fixed)

Provide the correct form of the verb see.

9. "She wants to buy a car she can afford, so she ____ part of her monthly income." (plan)

Provide the correct form of the verb save.

Part D

Spot & Fix the Message Errors

Read each text message between friends, spot the unnatural verb tense error, and write the corrected verb form.

💬 Sam (10:14 AM):

"Could you lend me 20 pounds to pay this unexpected expense? Don't worry, I am paying you back tomorrow, I promise!"

Sam decides to make this promise right now, with no earlier plan. Correct the underlined words:

____ (Type corrected verb phrase...)

💬 Maya (2:45 PM):

"Look at the sneakers in this window! A huge discount! I buy them right this second with my cash."

Maya decides on the spot, right this second, with no earlier plan. Correct the underlined phrase:

____ (Type corrected verb phrase...)

💬 Liam (6:12 PM):

"I booked our train tickets and reserved the outlet tour! We hunted for bargains at 11 AM on Saturday."

The trip has not happened yet and the tickets are booked for a confirmed date. Correct the underlined phrase:

____ (Type corrected verb phrase...)

Grammar: Future Forms for Money and Spending

Talking About Future Money: will, going to, & present continuous

How to Use This Lesson

📊 Quick Rules on Money & Future Plans

Practice Zone (12 Tasks)

Choose the correct sentence for the situation

Rewrite using "going to"

Complete the sentence using the clue

Spot & Fix the Message Errors

Related lessons

Conditionals and Time Clauses: Healthy Habits

Grammar: Saving Energy and Environment

Grammar: Life Experiences and Present Perfect

Grammar: Making Guesses with Must, Might and Can't

Grammar: Past Simple vs Past Continuous

Grammar: Health and Fitness