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1
✅ The correct answer is B.
Chloe pays her bills on time, avoids unnecessary debt and tries to save a little each month. Because of this, she thinks she is doing well with money. However, the story shows that avoiding obvious mistakes is not the same as truly understanding your spending habits.
🔴 A is too narrow because the problem is not only about having savings.
🔴 C is close, but the text focuses more on her false sense of responsibility than on her salary alone.
🟢 B) She assumes she is financially responsible because she avoids obvious mistakes.
Chloe assumes she is financially responsible because she avoids obvious mistakes. —> Хлоя думає, що вона фінансово відповідальна, бо уникає очевидних помилок.
2
✅ The correct answer is A.
Eye-opening means that something gives you a new and clearer understanding of a situation. Chloe’s spreadsheet shows her the real pattern of her spending, and this surprises her.
🔴 Restrictive means limiting or controlling.
🔴 Decent means good enough or quite good.
🟢 A) eye-opening
The results were eye-opening. —> Результати відкрили їй очі на реальну ситуацію.
3
✅ The correct answer is A.
Emma does not tell Chloe to earn more money or stop enjoying life. Instead, she points Chloe towards awareness. The real problem is not simply income. The problem is that Chloe does not know where her money is going.
🔴 B is too extreme because entertainment is still part of Chloe’s budget.
🔴 C is incorrect because the bank account only reveals the problem; it does not cause it.
🟢 A) It changes the focus from how much Chloe earns to how much Chloe understands her habits.
Emma’s question shifts the focus from income to financial awareness. —> Питання Емми переносить фокус із доходу на фінансову усвідомленість.
4
✅ The correct answer is C.
The phrase apparently not shows a contrast between what Chloe believed and what the facts now show. She thought she was managing her money well, but her savings account contains less money than expected.
🔴 A is incorrect because Emma has not criticised her yet.
🔴 B is the opposite of the meaning because Chloe is realising there is a problem.
🟢 C) Chloe realises that her financial situation is not as good as she believed.
Chloe realises that her financial situation is not as good as she believed. —> Хлоя усвідомлює, що її фінансова ситуація не така хороша, як вона думала.
5
✅ The correct answer is B.
Restrictive means limiting. At first, Chloe feels that budgeting limits her freedom because she has to divide her income into categories and think more carefully before spending.
🔴 Unnecessary means not needed.
🔴 Valuable means important or useful.
🟢 B) restrictive
At first, the budget felt restrictive. —> Спочатку бюджет здавався обмежувальним.
6
✅ The correct answer is C.
Before Jack speaks, the conversation is mainly about tracking spending, reducing waste and saving money. Jack introduces another financial idea: investing. This broadens the topic from controlling money in the present to thinking about long-term growth.
🔴 A is too extreme because the text does not say saving is pointless.
🔴 B is not supported because Jack admits he has a problem too: he saves but does not invest.
🟢 C) It broadens the conversation from saving money to building long-term financial security.
Jack’s comment broadens the conversation from saving money to building long-term financial security. —> Коментар Джека розширює розмову від заощаджень до довгострокової фінансової стабільності.
7
✅ The correct answer is A.
The key change is in Chloe’s question. She stops asking only Can I afford this? and starts asking Is this worth it? This means she is no longer thinking only about whether she has enough money. She is thinking about whether the purchase truly adds value to her life.
🔴 B is too strict because the story does not say all non-essential spending is bad.
🔴 C is too narrow because Chloe’s goal is awareness and better decisions, not extreme saving.
🟢 A) She starts thinking about value, not only affordability.
Chloe starts thinking about value, not only affordability. —> Хлоя починає думати про цінність покупки, а не лише про те, чи може вона собі це дозволити.
8
✅ The correct answer is C.
Chloe explains her idea clearly: when you have savings, you worry less, and when you understand your finances, you make better decisions. For her, freedom does not mean unlimited spending. It means confidence, control and peace of mind.
🔴 A is the opposite of budgeting.
🔴 B is too absolute because the text does not suggest that money solves everything.
🟢 C) She means that financial awareness gives her more control and less anxiety.
Financial awareness gives Chloe more control and less anxiety. —> Фінансова усвідомленість дає Хлої більше контролю і менше тривоги.
9
✅ The correct answer is A.
To stick to something means to continue doing what you planned or promised, even when it is difficult. Chloe sticks to her budget over the following months, even though she sometimes wants to buy unnecessary things.
🔴 Build up something means to gradually increase or develop something.
🔴 Take a sip means to drink a small amount.
🟢 A) stick to something
Chloe stuck to her budget over the following months. —> Протягом наступних місяців Хлоя дотримувалася свого бюджету.
10
✅ The correct answer is B.
The final lesson is not simply about having more money. Chloe is not rich, and she still has financial goals. However, she understands her money better, has built an emergency fund and feels more confident. The story presents awareness as the real turning point.
🔴 A is incorrect because Chloe already earns a decent salary, but that alone does not solve the problem.
🔴 C is too specific because investing is discussed, but it is not the central message.
🟢 B) Awareness of your habits can give you more confidence and peace of mind.
Awareness of your habits can give you more confidence and peace of mind. —> Усвідомлення власних звичок може дати більше впевненості й душевного спокою.
