1) I _____ my wallet when I was on holiday last year. a) lost b) ’ve been losing c) ’ve lost 2) He _____ a lot of money when his grandfather died. a) ’s inherited b) been inheriting c) inherited 3) She _____ had a bank account for five years now. a) had b) has c) have 4) I’ve been playing football _____ I was six years old. a) when b) since c) for 5) Have you _____ been to South America? a) ever b) yet c) before 6) Have you _____? There’s blue paint in your hair! a) been painting b) painting c) painted 7) It’s 11.00 a.m. and I _____ half an hour of work this morning! a) did b) ’ve been doing c) ’ve done 8) A: Can I speak to Peter, please? B:Sorry, he’s _____ gone out. a) just b) ever c) yet 9) You look tired. What _____? a) you have been doing b) have you doing c) have you been doing 10) Why is he asking for money again? I _____ him £50 two days ago! a) ’ve lent b) lent c) lend 11) I haven’t finished my exams _____. I’ve got two more next week. a) already b) yet c) soon 12) How long have they _____ going out together? a) been b) already c) be 13) Paula _____ a lot of money when she was a student. a) borrowed b) has borrowed c) has been borrowing 14) A: When _____ on holiday to Thailand? B:Two years ago. a) did you go b) have you gone c) you went 15) She _____ saved enough money for a car. She needs another 500 euros. a) hadn’t b) hasn’t c) has 16) We _____ far too much on our holiday last year. a) ’ve spent b) been spending c) spent 17) How much money _____ you earn last month? a) did b) have c) do 18) I haven’t seen her _____ last summer. How is she? a) since b) for c) until 19) We’ve been living in this house _____ four years now. a) from b) since c) for 20) A: Would you like a cup of tea? B:No, thanks. I’ve _____ one. a) just have b) had just c) just had 21) My parents have just finished paying the _____ on their house. a) bill b) salary c) mortgage 22) I want to _____ some money, so I’m looking for a high interest account. a) invest b) raise c) earn 23) Here’s the money you _____ me last week – thank you. a) lent b) borrowed c) owed 24) This ring isn’t _____ a lot of money, but I love it! a) cost b) afford c) worth 25) I bought this book yesterday. It _____ £20. a) spent b) cost c) charged 26) We can’t _____ to send our four children to private school. a) charge b) afford c) earn 27) We managed to get a _____ to buy a new car. a) loan b) mortgage c) cheque 28) I want to take £10 _____ of this cash machine, but it only has £20 notes. a) off b) by c) out 29) My brother borrowed £10 _____ me last month. a) from b) by c) to 30) It isn’t a good idea to get _____ debt. a) for b) into c) on 31) He paid for dinner _____ cash. a) in b) for c) by 32) The hotel charged me €25 _____ a two-minute phone call! a) for b) of c) from 33) Tina still hasn’t paid me _____ the money I lent her! a) with b) back c) up 34) very dirty a) furious b) filthy c) hilarious 35) very angry a) positive b) starving c) furious 36) very pleased a) delighted b) amazed c) delicious 37) very hungry a) terrified b) starving c) boiling 38) very big a) boiling b) awful c) enormous 39) very funny a) positive b) hilarious c) delighted 40) very cold a) boiling b) amazed c) freezing

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