Mistakes in the past
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I wish we (sign up) for the car loan. Over a two-year period, we ended up paying almost double what it was worth.
had signed up
My friend (supposed / pay) me back what he borrowed, but he keeps making excuses.
was supposed to pay
I (ought / realise) that I would be tempted to use money for things I didn’t need. I just can’t seem to pay it of
ought to have realised
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