IV. Complete the spaces using the words or phrases in the list below. Make any changes to the form or tense that are necessary. make spend earn borrow afford be (not) worth take cost create owe never lend My brother has (0)made a lot of money because his business has been successful. Of course, when he started, he had to (1) _____ a lot from the bank, but it didn’t (2) _____ him long to pay back what he (3) _____ and now he can (4) _____ to do almost anything he wants. He (5) _____ a very good salary, but he (6) _____ it carefully and he is never wasteful. If he ever wanted to buy something that (7) _____ a great deal of money, he would save up until he had enough money – he would never ask for a loan for something like a car. Similarly, he has a rule that he (8) ______ money to a friend – he says that this can (9) ______ problems, and it (10) _____ taking the risk.