1 If you (work out) your total income, you (know) how much you had to spend.

2 Your children (manage) their money better if
you (let) them take responsibility for financial decisions.

3 You (be able) to afford a holiday if you (not spend) all your money on music downloads.

4 If you (give) me a bigger allowance, I (not be) broke all the time.

5 My dad says he (not have) a credit card if interest
rates (not be) so low at the moment.

6 If my dad (win) the lottery, he (retire).
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