9a, p. 90, Suggested

1. Teenagers need financial education so that they learn to manage their finances.
2. Teenagers learn about the value of a dollar when they work.
3. You can ask your parents to pay for academic results.
4. Earning money also teaches you how to manage money.
5. When you are frugal, it doesn’t mean that you’re a miser.
6. Don’t buy the product you want from the first store but check the prices from other stores, too.
7. When you pay more for the same product you aren’t only wasting money, you’re also wasting your time.
8. Credit cards are dangerous because they tempt you to spend what you don’t have.
9. However, credit cards are a good thing when you handle them responsibly.
10. When you learn how to budget, you learn to plan your spending.
11. If you learn to budget as a teenager, you will never feel lost with your finances.
12. Parental advice is important since they have learned to manage money.
13. Your parents have learned what their priorities are and how to allocate money.

9b, p. 90

1. at a later stage
2. in debt
3. part time jobs
4. work out a deal
5. earn per month
6. at the end of the year
7. cut expenses
8. every now and then
9. responsible for getting people into debt
10. when it comes to managing money
11. spending
12. take their advice
13. making the most of your money

9c, p. 91

1. part time jobs /a part time job / been working a few hours a week
2. at a later stage / later on
3. worked out a deal / come up with an arrangement
4. in debt / in owing money to somebody
5. per month / during a month / a month, spending/consumption
6. responsible/answerable for your finances
7. make the most /  getting as much out
8. cut/reduce expenses/costs
9. At the end of the year / Late in December
10. every now and then / occasionally
11. When it comes to money / As for money
12. take my advice / accept my recommendation(s)

9d, p. 92

1. h, 2. c, 3. g, 4. e, 5. a, 6. j, 7. d, 8. f, 9. b, 10. i

9e, p. 92

1. share
2. stay
3. teach
4. work
5. earn
6. cut
7. do
8. make
9. get
10. plan
11. strike
12. take
13. know

extra verbs: tempt, allow, feel, mount

9h, p. 94

1. a, 2. c, 3. a, 4. b, 5. c

9i, p. 94

1. Make
2. doing / to do
3. Making
4. made
5. made
6. do
7. made
8. made
9. Do
10. do
11. made/makes/has made
12. did you make
13. make
14. did
15. done