A
B
C
D
E
100

If you invest in the stock market.........

Zero Conditional: you get dividends.

100

If I get a loan approved..........


First conditional: I will buy a new car.

100

If I were more responsible with my credit card......

Mixed Conditional (present condition, past result): I wouldn’t have gotten into debt last year.

100

If a company has a good financial year......

Zero conditional: it usually distributes bonuses.

100

If we hit our sales targets.........

First conditional: we will earn a big commission.

200

If I were better at budgeting.......

Second conditional: I would have more savings.

200

If I had invested in Bitcoin back then......

Third conditional: I would have made a fortune.

200

If I had saved more money in my twenties........

Mixed Conditional (past condition, present result):  I wouldn’t be struggling financially now.

200

If the exchange rate were better.....

Second conditional: I would exchange more currency.

200

If I had known about the tax deductions.....

Third conditional: I would have filed my return differently.

300

If the market crashes......

First conditional: people will lose a lot of money.

300

If I had more disposable income.....

Second conditional: I would invest in real estate.

300

If I had budgeted better......

Third conditional: I wouldn’t have had to take out a loan.

300

If I hadn’t spent so much last month.....

Mixed Conditional (past condition, present result): I would still have enough for rent now.

300

When the interest rate goes up....

Zero contional: mortgage payments increase.

400

If you don't pay off your credit card balance.....

First conditional: you will accrue interest.

400

If I were more cautious with my investments....

Second conditional: I wouldn’t be in such financial trouble.

400

If I had started saving earlier......

Third conditional: I would have retired comfortably by now.

400

If you fail to meet the payment deadline.....

First conditional: there will be a penalty.

400

If my business were more profitable.....

Second conditional: I could hire more staff.