As an EFL learner I know that the first one is second conditional and the next is third conditional. I just want to explain the meaning of the two sentences to my mother, who is learning English, so that she could get the difference just by reading to paraphrased sentences in simple English. Would you mind just paraphrasing the sentences so the difference in meanings would be understandable?
Should I tell her that in second conditional there is a possibility to buy a memory card, but in the third conditional you do not have a chance to buy it even if you have money now?
If I had money, I would buy an extra memory card to transfer and save data more easily.
If I had had money, I would have bought an extra memory card to transfer and save data more easily.