If I had saved more last year, I __________ (have) enough for a trip now., If she __________ (learn) about budgeting earlier, she would be more confident managing her salary., They would own their house now if they __________ (start) saving in their 20s., If we __________ (spend) less last month, we would have money left for this week., If he had invested in stocks years ago, he __________ (be) financially independent now., If she were more careful with spending, she __________ (not max out) her credit card., If I __________ (be) better at tracking my expenses, I would have noticed the hidden charges., If they had a savings goal, they __________ (not miss) that opportunity to buy the car., If he __________ (be) more organized, he would have filed his taxes on time., If we were more informed about financial planning, we __________ (make) better retirement choices., If I apply for that financial aid next week, I __________ (not need) to borrow money last semester., If she __________ (pay) attention during tomorrow’s workshop, she will have understood her past budgeting mistakes., If we start using the expense tracker app tomorrow, we __________ (spot) that spending issue earlier., If he __________ (attend) the investment course next weekend, he would have avoided that bad deal last year., If they follow the saving plan starting next month, they __________ (not struggle) so much last holiday season..

Practice Exercise: Mixed Conditionals

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