1.I don't have enough time , so I can't finish it → If I had enough time, I could finish it
2. She was lazy so she couldn't pass the exam → If she had been lazy , she would have passed the exam
3.You don't work hand , so you don't have much money → If you worked hand , you would have much money
4.I don't know English , so I can't have a good job → If I knew English , I would have a good job
5. I didn't meet her , so I couldn't phone you →If I had met her , I would have phoned you