Use the present simple to talk about situations or habits in the present.

Situations:
a) She works in an office building.
b) Eric lives in London.

Habits:
d) Annie plays in the park every afternoon.
e) I often eat a sandwich for lunch.
f) Doug doesn’t smoke any more.
g) Does Marilyn drive to work every day?

Use the past simple to talk about situation or habits in the past.

The past simple tells us something that happened in the past, but may also still be happening in the present.

a) She worked in an office building.
(She may or may not work in an office building now.)

b) When she was younger, Annie played in the park every afternoon.
(Annie may or may not play in the park every afternoon now.)

Using used to tells us something that happened in the past that no longer happens in the present.

a) She used to work in an office building.
She doesn’t work in an office building now.

b) When she was younger, Annie used to play in the park every afternoon.
She doesn’t play there now.