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Unit 1 : Lesson
4: Savings accounts
Grammar review 
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Unreal conditional —
the situation is contrary to fact (not true) in the
past and in the future. Use the simple past tense
in the “if clause” and would or could in
the main clause.
Examples: If you
wanted to save money, you could open
a savings account. If you had to open a savings
account, your local bank representative would
help you.
Note: I was and he,
she, and it was become I were and
he, she, and it were when used in the “if
clause.”
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Complete the sentences using would
or could.
1. If you wanted to buy a house,
2. If you wanted to get a mortgage,
3. If you paid your bills on time,
4. If you showed a mortgage lender that
you have enough money for closing costs
and a down payment,
Writing
My long-term financial goals
If you have long-term financial goals,
for example, buying a house, you can begin to save for those
goals now. List a few of your long-term goals on the lines
below.
1.
2.
3.
Saving money for your financial goals
Write about your plans or ideas to save
money. Explain why you are saving money
and what you expect to happen if you follow those plans.
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