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Future Perfect
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By the end of the month, he ________ (intend/create) a realistic budget that he can stick to.
intends to have created
As a matter of fact, he _______ (hope/make) the last payment on his car loan by October 30th
hopes to have made
In addition, she _______ (plan/begin) saving 10% of her paycheck even before September.
plans to have begun
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