| A | B |
| academics | school; studying |
| comfort | the state of having everything your body needs; You feel pleasant and relaxed. |
| debt | money that you owe someone |
| decision | a choice or judgment that you make after thinking about the possibilities |
| excuses | reasons you give for explaining your behavior; (The reasons may be true or untrue.) |
| expense | the cost of something in time or money |
| harm (noun) | hurt or damage |
| luxury | great comfort and pleasure often the result of using expensive and beautiful things |
| opportunity | a chance to do something that you would like to do |
| safety | the state of being safe; not in a state of danger |
| to waste | to use or spend something in a careless way |
| to harm | to cause injury or damage |
| to miss | to feel sad because someone is not with you anymore |
| to take chances | to risk; to do something that could be dangerous |