Fill in the blanks with the correct form of verbs given in brackets. Last year, my parents and I ____ (take) a financial planning course...
but many participants ____ (complete) their financial plans
had completed
took
When we ____ (review) our expenses
reviewed
we realised we ____ (spend) too much on unnecessary purchases
had spent
After my parents ____ (discuss) ways to save
had discussed
I ____ (open) a savings account
opened
By the time we ____ (set) our budget
set
the course ____ (already introduce) investment strategies
had already introduced
We ____ (hurry) to take notes
hurried
Despite that, we ____ (enjoy) learning how to manage money wisely
enjoyed
Explanation
The exercise requires using the correct simple past or past perfect tense forms of the verbs. According to the textbook context, the simple past tense is used for the more recent completed action, while the past perfect tense is used for the earlier completed action when two actions occurred in the past. For single or sequentially recent actions (A, B, E, H, J), the simple past is used. For actions that occurred before another past action (C, D, G, I), the past perfect is used.