Unit 3 Money单元话题练（语法填空+语法选择+阅读+完形+选词填空+写作）-2025-2026学年八年级英语下册单元练习(沪教版五四学制)

Unit 3 Money单元话题练 （语法填空+语法选择+阅读+完形+选词填空+写作） 一、语法填空 Complete the passage with the given words in their proper forms. (用所给单词的适当形式完成短文，使其内容通顺。) Money is something we use every day, but have you ever thought about its history? Long ago, there was no money. People used a system called “barter”. This meant the direct 1 (change) of goods. For example, a farmer might give wheat to a hunter for meat. However, this system had problems. It was difficult to agree on the cost of things. Also, carrying heavy bags of wheat was not 2 (convenience). So, 3 (social) started using shells, salt, and metals as money. Eventually, coins and paper notes appeared. These were easier to carry and count. Today,money affects every part of our lives. That is why 4 (economic) is such an important subject. Many famous 5 (economy) study how people spend and save. They look at the trade between countries. Global 6 (trade) allows us to buy products from all over the world. In recent years, technology has changed money again. Digital payments are becoming more and more common. We can transfer money 7 (quick) with a tap on our phones. Some people even say that physical cash might 8 (appear) completely in the future. Despite these changes, an old saying remains true: “Money talks.” It means money has 9 (influencer). However, we must remember that money is just a tool. It can buy a house, but not a home. It can buy medicine, but not health. We should treat it 10 (proper) and use it to do good things. 【答案】 1．exchange 2．convenient 3．society 4．economics 5．economists 6．trade 7．quickly 8．disappear 9．influence 10．properly 【导语】本文通过描述货币的历史演变、现代影响以及科技对货币形式的改变，强调了货币的重要性及其局限性，并提醒人们应正确对待和使用货币。 1．句意：这意味着货物的直接交换。“the direct…(change) of goods”中，the direct修饰名词，表示“直接的……”，change作为名词时意为“交换”，此处用单数形式，表示“货物的直接交换”。 2．句意：此外，携带沉重的小麦袋也不方便。“carrying heavy bags of wheat was not…(convenience)”中，was是系动词，后接形容词作表语，convenience的形容词形式是convenient，表示“方便的”。 3．句意：因此，社会开始使用贝壳、盐和金属作为货币。“…(social) started using shells, salt, and metals as money”中，started是谓语动词，前面缺少主语，social的名词形式是society，表示“社会”，作主语。 4．句意：这就是为什么经济学是一门如此重要的学科。“That is why…(economic) is such an important subject.”中，why引导表语从句，从句中缺少主语，economic的名词形式是economics，表示“经济学”，作主语。 5．句意：许多著名的经济学家研究人们如何消费和储蓄。“Many famous…(economy) study how people spend and save.”中，many修饰可数名词复数，economy的名词形式economist表示“经济学家”，是可数名词，其复数形式是economists。 6．句意：全球贸易使我们能够购买来自世界各地的产品。“Global…(trade) allows us to buy products from all over the world.”中，global是形容词，修饰名词，trade作为名词时意为“贸易”，此处用单数形式，表示“全球贸易”。 7．句意：我们可以通过轻点手机快速转账。“We can transfer money…(quick) with a tap on our phones.”中，transfer是动词，修饰动词用副词，quick的副词形式是quickly，表示“快速地”。 8．句意：有些人甚至说，未来实体现金可能会完全消失。“Some people even say that physical cash might…(appear) completely in the future.”中，might是情态动词，后接动词原形，根据句意和常识可知，此处指“实体现金可能会完全消失”，appear的反义词是disappear，表示“消失”。 9．句意：这意味着钱有影响。 “It means money has…(influencer).”中，has是谓语动词，后接名词作宾语，influencer表示“有影响力的人”，此处指“钱有影响”，应用influence，表示“影响”，是不可数名词。 10．句意：我们应该正确对待它，用它做好事。“We should treat it…(proper) and use it to do good things.”中，treat是动词，修饰动词用副词，proper的副词形式是properly，表示“正确地”。 阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。 Children love pocket money (零花钱). Many parents give their children pocket money each week and allow them 1 (spend) it as they wish. Other parents don’t think it’s wise to do so. They think children should be taught that money doesn’t grow on trees and that 2 they need it, they have to do something to get it. So, some parents expect their children to make money 3 doing chores like washing the dishes or cleaning the house. And some parents even encourage their children to take on part-time jobs. Children usually spend all their money. Some parents encourage their children to save (存储) some in their own bank account. Then they can pay for their favorite things 4 (them). Pocket money actually has 5 big influence on children. It teaches them to develop good spending and saving habits. It 6 (educate) them important skills and values (价值观). Children understand that money is not unlimited (无限制的), then they will learn how to spend or save their money 7 (wise). They practice planning and making 8 (choice). They also learn more math skills through 9 (manage) money. Pocket money helps children become 10 (independent) as they get older. 【答案】 1．to spend 2．if/when 3．by 4．themselves 5．a 6．educates 7．wisely 8．choices 9．managing 10．more independent 【导语】本文主要讲述了父母给孩子零花钱的不同方式及其对孩子成长的影响，包括培养理财习惯、数学技能和独立性等。 1．句意：很多父母每周给孩子零花钱，并允许他们按自己的意愿花。allow sb. to do sth.表示“允许某人做某事”，空格处应填动词不定式to spend。故填to spend。 2．句意：他们认为应该让孩子明白钱不是树上长出来的，如果他们需要钱，他们就必须做些事来获得它。/他们认为应该让孩子明白钱不是树上长出来的，当他们需要钱时，他们必须做些事来获得它。根据“they need it, they have to do something to get it”可知，此处既可表示时间关系，也可表示条件关系。当表示时间关系时，应用连词when“当……时”引导时间状语从句，强调“当他们需要钱的时候，就必须做事挣钱”，侧重动作发生的时间节点；当表示条件关系时，应用连词if“如果”引导条件状语从句，强调“如果他们需要钱，就必须做事挣钱”，侧重动作发生的前提条件。故填if/when。 3．句意：因此，一些家长期望他们的孩子通过做家务，如洗碗或打扫房屋，来赚钱。根据“make money...doing chores”可知，此处表示通过做家务赚钱。介词by“通过”符合语境。故填by。 4．句意：然后他们就能自己支付喜欢的东西。此处强调“亲自”支付，空格处应填反身代词themselves指代主语they本身。故填themselves。 5．句意：零花钱实际上对孩子有重大影响。have a big influence on是固定搭配，表示“对……有重大影响”。故填a。 6．句意：它教会他们重要的技能与价值观。描述客观事实用一般现在时，主语It是第三人称单数，所以空格处应填educate的第三人称单数形式educates。故填educates。 7．句意：孩子们明白钱不是取之不尽的，然后他们就会学会如何明智地花钱或存钱。空格处缺少副词修饰动词spend和save，wise的副词形式是wisely。故填wisely。 8．句意：他们会练习做计划、做选择。make choices是固定搭配，表示“做选择”。故填choices。 9．句意：他们还能通过管理钱学到更多数学技能。through是介词，其后接动名词，manage的动名词形式是managing。故填managing。 10．句意：零花钱能帮助孩子在成长过程中变得更独立。根据“as they get older”可知，此处暗示“随着长大变得更独立”，空格处应填independent的比较级more independent。故填more independent。 阅读下面短文，在空白处填入一个恰当的单词或括号内所给单词的正确形式，并将答案写在答题卡相应的横线上。 Germans are known for their beers and soccer. But did you know that they also like to save money? Saving has a long history in Germany. The world’s 1 (one) savings bank opened in 1778 in Hamburg, a city in northern Germany. By 1836, there were more than 300 of these savings banks in the country. Germans take pride 2 how they manage their money. They are good at 3 (wait) for things they want, saving money instead of spending it right away. Germans think that saving money is a good habit. They are the top savers in the world, with families saving over eight 4 (percent) of their money in the last 20 years, according to the OECD (经济合作与发展组织). Why do Germans save so much? According to the Financial Times, being 5 (care) with money is a big part of how Germans see themselves. They 6 (strong) believe that saving money is a good character, like being honest or kind. It also shows that Germans like to plan for the future. According to Harold James, a 7 (research) at Princeton University, “The Germans are much more 8 (worry) about the future than Americans. For example, they think they need to prepare for everything that may happen, that bad things can hit them and that they need to 9 (be) ready for that.” Germans also think that saving money is important for their country. If every German 10 (keep) dropping coins into money boxes, Germany will become richer and stronger. 【答案】 1．first 2．in 3．waiting 4．percent 5．careful 6．strongly 7．researcher 8．worried 9．be 10．keeps 【导语】本文主要介绍了德国人是如何爱好储蓄。 1．句意：世界上第一家储蓄银行于1778年在德国北部城市汉堡开业。根据所给词和句中“savings bank”可知，这里说的是世界上第一家储蓄银行，应用基数词one的序数词first，意为“第一”。故填first。 2．句意：德国人对自己的理财方式感到自豪。根据“Germans take pride”可知，此处是说德国人为他们的理财方式感到自豪，take pride in“为……感到自豪”，为固定短语。故填in。 3．句意：他们善于等待他们想要的东西，省钱而不是马上花掉。根据所给词和句中“They are good at”可知，此处是说他们擅长等待，be good at doing sth.“擅长做某事”。故填waiting。 4．句意：根据经合组织的数据，他们是世界上储蓄最多的人，在过去的20年里，他们的家庭储蓄超过了8%的钱。根据所给词和句中“over eight”可知，这里说的是超过8%，percent意为“百分比”，与具体数字连用时常用单数。故填percent。 5．句意：据英国《金融时报》报道，谨慎理财是德国人自我评价的重要组成部分。根据所给词和句中“being”可知，此处说的是小心理财，应用care的形容词careful，意为“小心的”。故填careful。 6．句意：他们坚信存钱是一种好品格，就像诚实或善良一样。根据所给词和句中“believe”可知，此处用副词strongly修饰动词“believe”，意为“强烈地”。故填strongly。 7．句意：普林斯顿大学（Princeton University）研究员哈罗德•詹姆斯（Harold James）表示：“德国人比美国人更担心未来……”根据所给词和句中“a”可知，这里是说哈罗德•詹姆斯是一名研究员。动词research的名词形式researcher，意为“研究员”，此处用单数。故填researcher。 8．句意：普林斯顿大学（Princeton University）研究员哈罗德•詹姆斯（Harold James）表示：“德国人比美国人更担心未来……”根据所给词和句中“The Germans are much more”可知，此处是说更加担心未来，be worried about“为……担心”，故填worried。 9．句意：例如，他们认为他们需要为可能发生的一切做好准备，坏事可能会袭击他们，他们需要为此做好准备。根据所给词和句中“they need to”可知，此处是说他们需要为此做好准备，need to do sth.“需要做某事”，此处用动词原形。故填be。 10．句意：如果每个德国人都把硬币投进存钱罐里，德国就会变得更富有、更强大。根据所给词和句中“Germany will become richer and stronger”可知，此处“If”引导的是条件状语从句，从句中用一般现在时，主语“every German”为第三人称单数，keep用第三人称单数。故填keeps。 二、完形填空 Learning how to manage money is an important skill for life. First, you need to set a clear 1 . What are you saving for? It could be a new book, a gift for a friend, or a big thing like a bicycle. Having a goal makes saving easier. Then, make a simple budget. A budget helps you see where your money comes from and where it goes. You can 2 your pocket money or money you get as gifts. Then, decide how much you will save, how much you will spend, and how much you might want to 3 to help others. It’s also wise to think before you buy. Ask yourself: “Do I really need this, or do I just want it right now?” Sometimes, waiting for a day before buying something can help you 4 if it’s truly important. Remember, saving doesn’t mean you can’t have fun. It means you are making 5 choices about your money. You are planning for your future fun and needs. Start with small amounts, and you will be 6 at how quickly your savings can grow. You will feel confident and proud of yourself! 1．A．goal B．example C．record D．price 2．A．forget B．hide C．count D．borrow 3．A．keep B．find C．share D．take 4．A．promise B．decide C．explain D．doubt 5．A．quick B．clever C．lucky D．different 6．A．nervous B．bored C．angry D．surprised 【答案】1．A 2．C 3．C 4．B 5．B 6．D 【导语】本文介绍了几条重要的理财技能，包括设定目标、制定预算、理性消费和坚持储蓄。 1．句意：首先，你需要设定一个清晰的目标。 根据下文“What are you saving for”可知需要设定目标，goal“目标”符合。example“例子”、record“记录”和price“价格”与语境不符。 2．句意：你可以数一数你的零花钱或收到的礼金。 根据上文预算需要知道钱的来源，count“数，计算”符合。forget“忘记”、hide“隐藏”和borrow“借”与语境无关。 3．句意：然后决定你将存多少，花多少，以及你可能想分享多少来帮助别人。 根据上文提到预算的三个部分“how much you will save, how much you will spend”以及下文“to help others”，可知第三部分是关于帮助他人的支出，share“分享”符合。keep“保持”、find“找到”和take“拿走”与帮助他人的语境不符。 4．句意：有时，在买东西前等一天可以帮助你决定它是否真的重要。 根据上文“Do I really need this, or do I just want it right now”以及等待一天的作用，可知是帮助决定是否真正需要，decide“决定”符合。promise“承诺”、explain“解释”和doubt“怀疑”与理性消费的语境不符。 5．句意：这意味着你在对自己的钱做出明智的选择。 根据上文储蓄并不意味着不能享受，而是规划未来，可知是做出明智的选择，clever“聪明的，明智的”符合。quick“快速的”、lucky“幸运的”和different“不同的”与理性理财的语境不符。 6．句意：从小数目开始，你会惊讶于你的储蓄增长得有多快。 根据上文储蓄会增长，以及下文“You will feel confident and proud”可知此处表示惊讶于增长的速度，surprised“惊讶的”符合。nervous“紧张的”、bored“无聊的”和angry“生气的”与语境不符。 Money plays an important role in our daily lives. However, understanding its true meaning and how to use it 1 is a valuable lesson for everyone. First, money is a tool, not a 2 . It can buy necessities like food and books, but it cannot buy happiness, health or true friendship. Some people 3 money with success, but real success involves much more. So, how should we use money wisely? It’s wise to 4 a habit of saving money regularly instead of spending it all. Before buying something, ask yourself, “Do I really need this, or do I just want it?” Learning to 5 needs from wants helps make better decisions. Also, we can consider using part of our pocket money to help those in need. This act of sharing not only helps others but also makes us feel fulfilled. 6 , money itself is neither good nor bad. Its value depends on how we earn and use it. By using money properly, we can make our lives and even the world a little better. Remember, we 7 control money, not let it control us. 1．A．carelessly B．correctly C．suddenly D．secretly 2．A．goal B．gift C．game D．grade 3．A．mix up B．talk about C．take away D．look for 4．A．break B．develop C．forget D．refuse 5．A．tell B．protect C．hide D．keep 6．A．In fact B．For example C．As a result D．At first 7．A．need B．may C．should D．dare 【答案】1．B 2．A 3．A 4．B 5．A 6．A 7．C 【导语】本文介绍了钱的意义以及如何正确地使用它。 1．句意：然而，理解它的真正含义以及如何正确使用它对每个人来说都是宝贵的一课。 carelessly粗心地；correctly正确地；suddenly突然；secretly秘密地。根据“By using money properly, we can make our lives and even the world a little better.”可知，此处表示要正确地使用它，故选B。 2．句意：首先，钱是一种工具，而不是目标。 goal目标；gift礼物；game游戏；grade年级。根据“It can buy necessities like food and books, but it cannot buy happiness, health or true friendship.”可知，钱可以买到食物和书籍等必需品，但它买不到幸福、健康和真正的友谊。因此表示它是一种工具，不是目标，故选A。 3．句意：有些人把金钱和成功混为一谈，但真正的成功要比仅得到金钱多得多。 mix up混合起来；talk about谈论；take away拿走；look for寻找。mix up...with...表示“把……和……混合起来”，故选A。 4．句意：养成定期存钱的习惯而不是把钱花光是明智的。 break折断；develop发展；forget忘记；refuse拒绝。根据宾语a habit可知，此处表示养成一种习惯，故选B。 5．句意：学会区分需要和欲望有助于做出更好的决定。 tell告诉，区分；protect保护；hide躲藏；keep保留。tell...from...“区分……和……”，故选A。 6．句意：事实上，钱本身没有好坏之分。 In fact事实上；For example例如；As a result因此；At first首先。根据“money itself is neither good nor bad. ”可知，此处强调事实，用In fact，故选A。 7．句意：记住，我们应该控制钱，而不是让钱控制我们。 need需要；may可能；should应该；dare敢于。根据“By using money properly, we can make our lives and even the world a little better.”可知，此处表示建议，应用情态动词should，故选C。 三、语法选择 Money 1 an important part of human life for thousands of years. In ancient times, before the invention of currency, people used shells and stones 2 with each other for daily necessities. Later, as societies became more complex, metal coins 3 and became widely used across different civilisations. Nowadays, most countries around the world 4 paper money and coins as official currency in their economic systems. With rapid technological development in recent decades, digital payment 5 increasingly popular in our daily lives. Many people now pay 6 their smartphones instead of carrying traditional cash. Some experts even believe that physical money 7 completely in the future as technology advances. However, 8 this happens in the coming years, we need to be prepared for such significant changes. When 9 about money management from an early age, young people should learn to spend wisely and avoid unnecessary expenses. It’s important to save money regularly and build an emergency fund 10 you can handle unexpected situations like medical emergencies. Remember, good financial habits formed early will benefit you throughout life and help you achieve long-term goals. 1．A．is B．was C．has been 2．A．to trade B．trading C．traded 3．A．invented B．were invented C．are invented 4．A．use B．have used C．are using 5．A．becomes B．is becoming C．became 6．A．by B．through C．with 7．A．disappears B．will disappear C．disappeared 8．A．if B．when C．after 9．A．learn B．learning C．learned 10．A．because B．when C．so that 【答案】 1．C 2．A 3．B 4．A 5．B 6．C 7．B 8．A 9．B 10．C 【导语】本文介绍了货币从古至今的发展历程，从古代的贝壳石头到金属硬币，再到现代的纸币和数字支付，并强调了从小学习理财的重要性。 1．句意：几千年来，金钱一直是人类生活中重要的一部分。 时间状语“for thousands of years”表示从过去持续到现在的动作，应用现在完成时has been。is一般现在时，was一般过去时，均不能与for+时间段连用。 2．句意：在古代，货币发明之前，人们用贝壳和石头相互交换日常必需品。 use sth. to do sth.“用某物做某事”为动词短语，应用不定式to trade。trading动名词，traded过去式，均不能用于此结构。 3．句意：后来，随着社会变得复杂，金属硬币被发明并在不同文明中广泛使用。 主语metal coins与invent之间为被动关系，且描述过去的事情，应用一般过去时的被动语态were invented。invented主动形式，are invented一般现在时被动，均不符。 4．句意：如今，世界上大多数国家在其经济体系中使用纸币和硬币作为官方货币。 时间状语“Nowadays”表示当前一般情况，主语most countries为复数，应用一般现在时use。have used现在完成时，are using现在进行时，均与Nowadays所表示的当前一般情况不符。 5．句意：近几十年来，随着科技的快速发展，数字支付在我们的日常生活中变得越来越流行。 时间状语“in recent decades”表示近几十年正在发生的变化，应用现在进行时is becoming。becomes一般现在时表示通常情况，became一般过去时，均与正在发生的变化不符。 6．句意：现在许多人用智能手机支付，而不是携带传统现金。 pay with“用……支付”为动词短语，表示支付方式。by和through也可表示方式，但pay with为固定搭配。 7．句意：一些专家甚至认为，随着技术的进步，实体货币将来会完全消失。 时间状语“in the future”表示将来的预测，应用一般将来时will disappear。disappears一般现在时，disappeared一般过去时，均与将来时间不符。 8．然而，如果这在未来几年发生，我们需要为如此重大的变化做好准备。 空处引导条件状语从句，表示“如果”这发生，应用if“如果”。when“当……时”和after“在……之后”均无法表达条件含义。 9．句意：当从小学习理财时，年轻人应该学会明智消费，避免不必要的开支。 When引导的时间状语从句中，主语young people与learn之间为主动关系，且表示一般情况，应用现在分词learning构成省略结构。learn动词原形不能作状语，learned过去分词表被动不符。 10．句意：定期存钱并建立应急基金很重要，这样你就能应对像医疗紧急情况这样的意外情况。 空处引导目的状语从句，表示建立基金的目的是为了能够应对意外情况，应用so that“以便，为了”。because“因为”表原因，when“当……时”表时间，均与目的逻辑不符。 Saving for a Rainy Day In China, saving money has always been considered a traditional virtue (美德). For thousands of years, Chinese people 1 the habit of putting money aside. Unlike people in some Western countries who often spend tomorrow’s money today, the older generation in China prefers to save for emergencies. They believe that a full wallet brings peace of mind. I still remember my grandmother’s old biscuit tin. It was not filled with cookies but with cash. She told me that the money 2 for “rainy days”. Whenever the family faced difficulties, that tin box was our hero. Today, although methods have changed, the spirit remains. Young people now use mobile apps instead of tin boxes. They are 3 in buying financial products online. However, habits are changing step by step. Some young people start to enjoy life more. While some save 50% of their income, 4 spend most of it on travel and hobbies. Is this good or bad? There is no simple answer. But it is important 5 a balance. We should ask ourselves 6 money means to us. Is it a tool for pleasure or a shield(盾牌) against danger? A recent survey shows that 70% of Chinese families still 7 high savings. This wealth largely creates a stable society. The habit, 8 was passed down from ancestors, is still valuable. No matter 9 rich you are, never waste a penny. After all, 10 thrifty (节俭的) is part of our culture. 1．A．keep B．kept C．have kept 2．A．saved B．was saved C．has saved 3．A．to interest B．interesting C．interested 4．A．others B．the other C．another 5．A．find B．finding C．to find 6．A．that B．if C．what 7．A．maintain B．maintains C．maintained 8．A．who B．which C．that 9．A．how B．what C．however 10．A．be B．being C．been 【答案】 1．C 2．B 3．C 4．A 5．C 6．C 7．A 8．B 9．A 10．B 【导语】本文是一篇说明文。主要讲述了中国人“未雨绸缪”的储蓄习惯。 1．句意：几千年来，中国人一直保持着存钱的习惯。   keep保持，一般现在时；kept保持，一般过去时；have kept保持，现在完成时。根据句中“For thousands of years”可知，表示从过去持续到现在的动作，需用现在完成时。故选C。        2．句意：她告诉我，这些钱是为“不时之需”存起来的。 saved存，主动语态，一般过去时；was saved被存，被动语态，一般过去时；has saved存，主动语态，现在完成时。根据“She told me that the money… for ‘rainy days’.”可知，钱是“被存”的，且主句为过去时，从句需用一般过去时的被动语态。故选B。 3．句意：他们对购买金融产品感兴趣。 to interest使感兴趣，不定式；interesting有趣的，修饰事物；interested感兴趣的，修饰人。根据“They are… in buying financial products online.”可知，固定搭配“be interested in”表示“对……感兴趣”，修饰人用interested。故选C。        4．句意：而有些人把收入的50%存起来，另一些人则把大部分钱花在旅行和爱好上。 others另一些人，泛指；the other两者中的另一个；another三者及以上中的另一个。根据“While some save 50% of their income, … spend most of it on travel and hobbies.”可知，此处泛指“另一些年轻人”，用others。故选A。 5．句意：但找到平衡很重要。 find找到，动词原形；finding找到，动名词；to find找到，不定式。根据“But it is important… a balance.”可知，固定句型“It is important to do sth.”表示“做某事很重要”，用不定式作真正主语。故选C。 6．句意：我们应该问问自己，钱对我们意味着什么。 that引导从句，无实义；if如果，是否；what什么。根据“We should ask ourselves… money means to us.”可知，宾语从句中缺少“意味着”的宾语，用what引导并作宾语。故选C。 7．句意：最近的一项调查显示，70%的中国家庭仍然保持着高储蓄。 maintain保持，一般现在时；maintains保持，一般现在时，第三人称单数；maintained保持，一般过去时。根据“A recent survey shows that 70% of Chinese families still… high savings.”可知，主语“70% of Chinese families”为复数，且句子描述现在的情况，用一般现在时。故选A。 8．句意：这种从祖先那里传下来的习惯仍然很有价值。   who谁，指人；which哪一个，指物；that引导从句，可指人或物。根据“The habit,… was passed down from ancestors, is still valuable.”可知，先行词“The habit”是物，且引导非限制性定语从句，用which。故选B。 9．句意：无论你多么富有，都不要浪费一分钱。 how多么；what什么；however然而。根据“No matter… rich you are, never waste a penny.”可知，“No matter how+形容词”表示“无论多么……”，修饰形容词rich，用how。故选A。 10．句意：毕竟，节俭是我们文化的一部分。 be是，原形；being是，动名词；been是，过去分词。根据“ After all,… thrifty is part of our culture.”可知，“being thrifty”作主语，句子的系动词为“is”，因此需用动名词形式“being”构成主语。故选B。 四、阅读理解 It’s useful to know how much money we usually spend on different things. Then, if we also know how much money we will have, we can decide which things we should buy now and which things we can go without or wait for. Here is a student’s weekly budget (预算) during the school year. Bus fares to class $5 Movies $6 Candy / Gum $5 Soft drinks $3 School lunches $10 CDs $10 Restaurants $15 Computer games $10 Total: $64 This student has only $50 a week to spend. Therefore, he must spend less on some things or not have them at all. If he wants to save on bus fares, he can walk to class. If he doesn’t buy any candy, he can save $5 a week. Or he can save $3 if he has no soft drinks. He can save on lunches if he brings his own. He may be able to save on CDs by borrowing them from his friends or buying them second-hand. He doesn’t have to go to the movies or restaurants. Different people need or want different things, so their budgets are different. Girls may not like computer games. They may want to spend more money on clothes or jewelry (珠宝). For most of us, a weekly budget is only a little helpful. We really need to have a monthly budget, or even a yearly budget. This is because we have to pay for some things only once a month or once a year. Clothes, textbooks, vacations, and so on are not weekly expenses. They are monthly or yearly expenses. 1．The student’s budget is for ________. A．seven days B．thirty days C．one term D．one year 2．Using a monthly instead of a weekly budget, you can see ________. A．less money B．things you don’t buy all the time C．how prices change quickly D．the best place to buy gum 3．If the student doesn’t buy school lunches, he will save ________ a month. A．40 dollars B．64 dollars C．216 dollars D．256 dollars 4．“To save money, students might not eat snacks at all.” The word “at all” means ________. A．not even one B．little by little C．forever D．with others 5．Girls may want to spend more money on ________. A．computer games B．sports C．clothes D．toys 6．The best title of the passage is ________. A．People Need B．What Different Things C．A student’s Weekly D．A Budget 【答案】1．A 2．B 3．A 4．A 5．C 6．D 【导语】本文主要通过一个学生的周预算来告诉我们制定资金计划非常重要。 1．细节理解题。根据文章表格上方“Here is a student’s weekly budget (预算) during the school year.”可知，这个预算是每周的，因此是为七天制定的。故选A。 2．细节理解题。根据最后一段“We really need to have a monthly budget, or even a yearly budget. This is because we have to pay for some things only once a month or once a year. Clothes, textbooks, vacations, and so on are not weekly expenses. They are monthly or yearly expenses.” 可知，月度预算可以让你看到那些不常买的东西的开销。故选B。 3．细节理解题。根据文中表格，“School lunches”一项的花费为每周$10。若不购买学校午餐，则每周可节省$10。一个月通常按4周计算，因此一个月可节省$10 × 4 = $40。选项中A符合计算结果。故选A。 4．词句猜测题。根据“If he doesn’t buy any candy, he can save $5 a week.”可知，提到学生可以节省糖果、软饮料等零食开支，若不买糖果可省$5， “not eat snacks at all”意为“根本不吃零食”，强调完全不吃，与A“not even one（一点也不）”意思相符。故选A。 5．细节理解题。根据倒数第二段“Girls may not like computer games. They may want to spend more money on clothes or jewelry (珠宝).”可知，女孩可能更愿意在衣服或珠宝上花钱，选项中只有C“clothes”符合。故选C。 6．最佳标题题。全文围绕学生的预算展开，介绍了预算的重要性、如何调整预算以及不同人的预算差异，因此最适合的标题是“A Budget”表示“预算”。故选D。 For the past decades, shopping habits have changed dramatically with technology. While traditional stores (like markets and supermarkets) and online shops both sell products, they offer very different experiences for different needs. Comparing and Contrasting: Both provide daily things like food, clothes, and electronic devices. Prices are shown clearly. High-quality products are available in both places, but it is essential to check customer reviews when shopping online to avoid unsatisfactory purchases. Feature Traditional Shopping Online Shopping Atmosphere It provides a tangible experience—you can touch, smell, and try on products personally before making a purchase decision. It offers a virtual experience—you can browse products comfortably at home, but you cannot physically touch or smell the items. Convenience You have to visit the store in person and abide by its opening hours, which may be inconvenient for busy people. It enables you to shop at anytime and from any location, as online stores operate 24 hours a day, 7 days a week. Payment Multiple payment methods are accepted at the checkout, including cash, bank cards, and mobile payment apps. You mainly rely on digital payments, such as credit cards, e-wallets, and installment payment services. Delivery You can take your purchased items home immediately after payment, with no need to wait for delivery. You have to wait for the goods to be delivered, and the delivery time usually ranges from a few hours to several days. Customer Service You can communicate face-to-face with shop assistants to get professional help and practical advice. You can seek assistance through chatbots, emails, or phone calls, but there is no face-to-face interaction. Mrs. Lin, a 65-year-old woman, says: “I prefer traditional markets because I enjoy chatting with sellers and seeing products with my own eyes. Online shopping lacks the personal touch that I value.” Tom, a 16-year-old student, holds a different opinion: “I am fond of online shopping! It saves me a lot of time, and I can easily compare prices across different platforms. Besides, the delivery service sends the goods directly to my door.” Which type of shopping is better? It depends on your personal needs—whether you value face-to-face communication and the real experience of traditional shopping, or the convenience and efficiency of online shopping. 1．What is an advantage of traditional shopping in terms of atmosphere? A．You can shop at home comfortably. B．You can touch and try products before buying. C．You don’t need to talk to anyone. D．You can browse products at any time. 2．Why might busy people prefer online shopping? A．It requires going to the store in person. B．It has fixed opening hours. C．It allows shopping anytime and anywhere. D．It needs cash payment. 3．What payment method is NOT mentioned for online shopping? A．Cash. B．Credit card. C．Installment payment. D．E-wallet. 4．According to Mrs. Lin, which reason matches her preference? A．Shopping without leaving home. B．Getting items immediately after payment. C．Having face-to-face communication with the staff. D．Being able to compare prices easily. 5．Based on the passage, which statement is TRUE? A．Traditional shopping is disappearing. B．Online shopping is better for everyone. C．The shopping choice varies according to individual needs. D．Young people never go to traditional markets. 6．Which of the following would be the best title for the passage? A．How to Shop Safely Online B．Why Online Shopping is Better C．Traditional Shopping VS. Online Shopping D．The Role of Traditional Markets in the Digital Age 【答案】1．B 2．C 3．A 4．C 5．C 6．C 【导语】本文是一篇说明文，对比了传统购物与线上购物的不同特点（氛围、便利性等），并说明购物选择取决于个人需求。 1．细节理解题。根据文章表格“Atmosphere”部分“Traditional Shopping: It provides a tangible experience—you can touch, smell, and try on products personally before making a purchase decision.”可知，传统购物在氛围上的优势是能触摸、试穿商品。故选B。 2．细节理解题。根据文章表格“Convenience”部分“Online Shopping: It enables you to shop at anytime and from any location...”可知，忙碌的人偏好线上购物是因为它能随时随地进行。故选C。 3．细节理解题。根据文章表格“Payment”部分“Online Shopping: You mainly rely on digital payments, such as credit cards, e-wallets...”可知，现金未被提及。故选A。 4．细节理解题。根据文章“Mrs. Lin... says: ‘I prefer traditional markets because I enjoy chatting with sellers and seeing products with my own eyes.”可知，她的偏好是与店员面对面交流。故选C。 5．细节理解题。根据文章最后一段“It depends on your personal needs—whether you value... traditional shopping, or the convenience... of online shopping.”可知，购物选择因个人需求而异。故选C。 6．最佳标题题。文章围绕“传统购物与线上购物的对比”展开，“Traditional Shopping VS. Online Shopping”最能概括主题。故选C。 Have you ever heard of “conscious (清醒的) spending”? According to Ramit Sethi, conscious spending is all about spending as much as possible on the things you love and cutting costs as much as possible on the things you don’t need. It’s about knowing what you really want and then spending your money on the things you love. The term “conscious spending” suggests that people experience unconscious spending nowadays. It’s almost like unconscious eating. We’re just without a plan, and we’re not really paying much attention, especially when using credit cards (信用卡). The most important way to deal with unconscious spending is asking yourself some questions. Where has my money been going? What do I love spending money on and why? How much do I need for the things I must have, such as food and bills? How much do I want to save and why? How much do I want to set aside for unimportant buys, such as coffee with a friend or a movie ticket? Answering these questions can help you feel excited and clear about your money, know what you care less about, and live according to what’s important to you. “Then, it’s a lot easier to cut down your spending in areas that you don’t need so much,” Klontz said. Your answers to these questions agree with what Sethi calls your “rich life”—the life that is special to you and not influenced by what anyone else thinks you should do. When you’ve already thought about what you really want, you will no longer have to feel anxious (焦虑的) or doubtful about how you spend your money. 1．What is conscious spending? A．It means spending money as much as possible. B．It means cutting the cost of the things you like. C．It means spending money on the things properly. D．It means buying a lot of things you really like. 2．The writer develops his idea in Paragraph 3 by ________. A．explaining differences B．listing numbers C．giving examples D．raising questions 3．What can we infer from the last two paragraphs? A．People are easily influenced by others. B．Conscious spending can make people know how to spend their money. C．People will feel excited after buying what they really want. D．Spending money can make people feel anxious and doubtful. 4．Where can we probably read the passage? A．A travel guide. B．Sports news. C．A life magazine. D．A story book. 【答案】1．C 2．D 3．B 4．C 【导语】本文是一篇说明文。文章介绍了“清醒消费”的定义——在热爱的事物上尽情投入，在不需要的事物上尽量缩减开支；指出当下存在无意识消费的现象，并说明应对方法；最后阐述清醒消费能帮助人们明确消费方向，过上符合自身价值观的“富足生活”，从而消除消费焦虑。 1．细节理解题。根据第一段“conscious spending is all about spending as much as possible on the things you love and cutting costs as much as possible on the things you don’t need.”可知，清醒消费倡导在热爱的事物上合理投入，在不需要的事物上节省开支，即理性支配金钱。故选C。 2．推理判断题。根据第三段“The most important way to deal with unconscious spending is asking yourself some questions.”可知，应对无意识消费的最重要方法是问自己一些问题，随后列举了“Where has my money been going?”、“What do I love spending money on and why?”等多个问题；据此可以推断，作者通过“提出问题”来展开本段内容。故选D。 3．推理判断题。根据第四段“Answering these questions can help you feel excited and clear about your money, know what you care less about, and live according to what’s important to you.”和第五段“When you’ve already thought about what you really want, you will no longer have to feel anxious or doubtful about how you spend your money.”可知，最后两段提到，回答这些问题能让人对金钱更清晰，明确自己不那么在意的东西，按重要的事生活，且不再为消费焦虑；据此可以推断，清醒消费能帮助人们知道如何花钱。故选B。 4．推理判断题。综合全文可知，本文主题是“清醒消费”，属于生活理财、消费观念范畴；因此，本文最可能出现在生活杂志中。故选C。 At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. ▲ . It’s important for us to have a budget. In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 1．Where does money come from according to the text? A．Kids’ life lessons. B．Parents’ hard work. C．Good spending habits. D．The bank account. 2．Which of the following can be put in ▲ in Paragraph 3? A．We shouldn’t spend all our money in one go. B．Parents shouldn’t give kids lots of pocket money. C．We shouldn’t know the value of money too early. D．Parents shouldn’t use money to control over their children. 3．What does the writer want kids to do by giving the example of buying a bicycle? A．To buy a wonderful notebook. B．To make a free spending choice. C．To set a goal of saving money. D．To have an experience of shopping. 4．What does the underlined word “satiate” mean in Paragraph 4? A．Relax. B．Interest. C．Surprise. D．Satisfy. 5．What is the best title for the passage? A．Causes of Spending Money B．Ways of Managing Money C．Purposes of Treating Money D．Conditions of Saving Money 【答案】1．B 2．A 3．C 4．D 5．B 【导语】本文是一篇说明文，主要讲述了如何通过生活中的一些经验教训来培养良好的消费习惯和正确的金钱观。 1．细节理解题。根据“We need to know that our parents work hard to make money”可知，钱来源于父母的辛勤工作。故选B。 2．推理判断题。根据“It’s important for us to have a budget…we should make smart spending choices.”可推知，空处应填入与合理消费相关的建议，结合选项可知，A项符合。故选A。 3．推理判断题。根据“We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it we can save our pocket money.”可推知，作者通过买自行车的例子鼓励孩子们设定存钱目标。故选C。 4．词句猜测题。根据“Reaching our goal will greatly satiate us.”可知，实现目标，应会感到非常满足，所以划线部分的含义是“满足”。故选D。 5．最佳标题题。通读全文可知，全文围绕“如何管理金钱”展开，列举了制定预算、设定目标等方法。故选B。 五、任务型阅读 Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，将答案填写在横线上。 1．How do we start learning to manage money at an early age? 2．According to the passage, where does money come from? 3．What should we do if our pocket money can’t cover everything we want? 4．What will greatly satisfy us according to Paragraph 3? 5．What do you think of money? (请用完整的一句话回答。) 【答案】1．We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits. 2．Money comes from parents’ hard work. /From parents’ hard work. 3．We should make smart spending choices. 4．Reaching our goal will greatly satisfy us. 5．I think that money is very important/useful/... for me. 【导语】本文是一篇说明文，主要讲述了如何从小培养良好的金钱管理习惯，包括理解金钱的来源、制定预算、设定储蓄目标以及与父母沟通学习金钱的使用等。 1．答案是直接信息题，语篇最后一段提到“learning about money isn’t a hard job. From these lessons, we can get a sense of money management”，结合前文提及的观察父母消费等方式，题干询问“how to start learning to manage money”，对应答案“We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits.”，因此答案是直接信息题。 2．答案是直接信息题，语篇第一段明确说明“We need to know that our parents work hard to make money”，题干询问“where does money come from”，对应答案“Money comes from parents’ hard work. /From parents’ hard work.”，因此答案是直接信息题。   3．答案是直接信息题，语篇第二段提到“Realising that our pocket money can’t cover everything we want, we should make smart spending choices.”，题干与该句表述高度对应，直接提取答案“We should make smart spending choices.”，因此答案是直接信息题。 4．答案是直接信息题，语篇第三段末尾明确指出“Reaching our goal will greatly satisfy us.”，题干直接询问该句内容，直接提取答案，因此答案是直接信息题。 5．答案是观点表达题，题干要求用完整一句话表达对金钱的看法，答案为开放性表述，核心是体现对金钱的正确认知，示例“I think that money is very important/useful for me.”符合题干要求，因此答案是观点表达题。     At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their work places to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover (足以支付) everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate (满足) us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容，回答下列问题。 1．Where does money come from according to the text? 2．Is it important for us to have a budget? 3．What does the writer want kids to do by giving the example of buying a bicycle? 4．What can we talk about with our parents? 5．Does your family make plans for using money?（请根据你家的实际情况回答） 【答案】1．From our parents’ hard work. 2．Yes, it is. 3．Set a goal of saving money./Set a clear goal and watch our money grow. 4．About how money is used and where money goes. 5．Yes, we do./No, we don’t./Sorry, I don’t know. 【导语】本文是一篇说明文，循序渐进地教导孩子理解金钱的来源、培养理性的消费习惯、学习储蓄方法，从而逐步树立正确的金钱观和管理能力。 1．根据“We need to know that our parents work hard to make money”可知，钱来源于父母的辛勤工作。故填Parents’ hard work. 2．根据“It’s important for us to have a budget”可知，作者表明做好预算很重要，因此本题应作肯定回答。故填Yes, it is. 3．根据“We should set a clear goal and watch our money grow.”可知，作者在本段以攒钱买自行车为例，说明了作者一个观点：设定一个清晰的储蓄目标，并坚持储蓄直至实现。故填Set a goal of saving money./Set a clear goal and watch our money grow. 4．根据“We can talk with our parents about how money is used and where money goes.”可知，我们可以和父母讨论如何用钱，用在哪里。故填About how money is used and where money goes. 5．本题为开放题，询问家庭是否有财务支出的计划，可根据实际情况回答。可填Yes, we do./No, we don’t./Sorry, I don’t know. 六、选词填空     A．checking on      B．wisely      C． dealing with      D．express      E. imagine “Money makes the world go round.” So it’s certainly hard to 1 life without it. Most under-20s are financially dependent on parents, but that will change sooner than you think. It’s time for you to think about how money works. Money management not only helps you learn more about spending and saving, but also helps you gain a basic understanding of economics. Kids can learn how to use their money 2 . If a child is given cash for his birthday, he should decide whether to spend it straight away or deposit (储蓄) the money in a savings account and then start 3 its growth from time to time. Studies show that young people who understand how to make good choices can get better at 4 money as they grow up.     A．unexpected      B．reduce       C． effort       D．buys        E. compare Money doesn’t buy happiness but it matters a lot in life. Learning healthy money habits makes you feel more confident to manage daily spending or say “no” to unnecessary 5 . It also teaches important skills such as making decisions and self-control. Choosing not to buy a small treat now so you can afford something bigger later is called “delayed satisfaction”. Building up your savings also makes you feel more secure. You’ll have a safety net for 6 costs and helps you reach your goals. Kids can make money management more fun by turning it into a game. Next time when you’re in a store, 7 the price of one packet of biscuits with another and think about what you’d spend the difference on, or play the board game Monopoly (大富翁), which teaches you what happens when you spend, save and borrow. Earning and saving money takes 8 but if you save money in a clever way, you can earn money as you sleep. Ask a grown-up to help you open a savings account where your money can earn interest. 【答案】1．E 2．B 3．A 4．C 5．D 6．A 7．E 8．C 【导语】本文是一篇说明文。主要介绍了金钱管理的重要性以及如何培养健康的金钱习惯，包括合理使用金钱、储蓄、比较价格等，还建议通过游戏的方式让金钱管理变得更有趣。 1．句意：所以很难想象没有钱的生活。It’s hard to do sth.意为“做某事是困难的”，此处应填动词原形。结合语境和备选词汇，imagine“想象”符合语境，指很难想象没有钱的生活。故填E。 2．句意：孩子们可以学会如何明智地使用他们的钱。根据“Kids can learn how to use their money...”及备选词汇可知，此处指明智地使用金钱，wisely“明智地”，副词修饰动词use。故填B。 3．句意：如果一个孩子在生日时得到了现金，他应该决定是马上花掉，还是把钱存入储蓄账户，然后开始不时地检查它的增长情况。根据“deposit (储蓄) the money in a savings account and then start...its growth from time to time.”可知，此处指存入银行后不时地检查增长情况，结合语境和备选词汇，checking on“检查”，符合语境。故填A。 4．句意：研究表明，懂得如何做出正确选择的年轻人在成长过程中会更擅长处理金钱问题。根据“young people who understand how to make good choices can get better at...money as they grow up.”及备选词汇可知，此处指更擅长处理金钱问题，dealing with“处理”，介词at后跟动名词。故填C。 5．句意：学习健康的金钱习惯会让你在管理日常开支或对不必要的购买说“不”时更有信心。根据“Learning healthy money habits makes you feel more confident to manage daily spending or say “no” to unnecessary...”及备选词汇可知，此处指对不必要的购买说“不”，buys“购买”，名词，此处用复数形式表示泛指。故填D。 6．句意：你会有一个应对意外费用的安全网，帮助你实现目标。根据“You’ll have a safety net for...costs and helps you reach your goals.”及备选词汇可知，此处指应对意外费用，unexpected“意外的”，形容词修饰名词costs。故填A。 7．句意：下次你在商店的时候，比较一下一包饼干和另一包饼干的价格，想想你会把差价花在什么上面。根据“...the price of one packet of biscuits with another and think about what you’d spend the difference on”及备选词汇可知，此处指比较两包饼干的价格，compare...with...“与……比较”，祈使句用动词原形。故填E。 8．句意：赚钱和存钱需要努力，但如果你以聪明的方式存钱，你可以在睡觉的时候赚钱。根据“Earning and saving money takes...but if you save money in a clever way, you can earn money as you sleep.”及备选词汇可知，此处指赚钱和存钱需要努力，efforts“努力”，名词，take effort“付出努力”。故填C。 七、书面表达 1．金钱在我们的生活中扮演着重要的角色。它帮助我们满足基本需求，但也可能带来一些问题。作为一名八年级的学生，你可能已经开始管理自己的零用钱。请以“The Power of Money”为题，写一篇文章，词数不少于60。内容要包括： (1) 拥有金钱带来的结果（积极/消极）； (2) 如何明智地使用金钱； (3) 从管理金钱中受到的启发。 _________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】 例文 The Power of Money Money plays an important part in our life. It can bring us happiness and help us get what we need. But sometimes it may also cause problems if we don’t use it wisely. To use money wisely, I always make a plan before spending. I save some pocket money every week for future use. I also compare prices when shopping to choose good but cheap things. I never buy things I don’t really need. From managing my money, I learn that money is a tool, not the goal of life. It teaches me to be responsible and careful. The most important thing is to use it in the right way to help ourselves and others. 【详解】写作步骤 [第一步：审题立意] 确定文体：议论文，以一般现在时为主 明确要点：拥有金钱带来的结果、如何明智使用金钱、从管理金钱中受到的启发 确定人称：第一人称（I） 注意事项：需包含三个要点，词数不少于60 [第二步：构思布局] 三段式结构： 开头段：总述金钱的作用及两面性 主体段：分两点阐述如何明智使用金钱 结尾段：总结从管理金钱中得到的启发 [第三步：要点展开] 要点一：金钱带来的结果 积极方面：bring us happiness/help us get what we need/meet basic needs/make life comfortable等 消极方面：cause problems/bring worries/make people greedy/lead to bad habits等 要点二：明智使用金钱 制定计划：make a plan before spending/plan my money/make a budget等 储蓄习惯：save some pocket money/save for future/put money in a piggy bank等 理性消费：compare prices/choose good but cheap things/buy things on sale等 避免浪费：never buy things I don’t really need/avoid useless spending等 要点三：受到的启发 金钱本质：a tool, not the goal of life/just a tool/not the most important thing等 个人成长：be responsible/be careful/learn to control myself等 正确观念：use it in the right way/help ourselves and others/money can’t buy happiness等 1．请你以“Save money”为题，根据以下提示，写一篇英语短文，60个词左右。 Suggestions: 1.Do you save money? 2.Why do you save money? 3.How do you save money? __________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】 Save money I do save money in my daily life. I save money to prepare for my favorite books and help those in need. To save money, I cut down on snacks and put part of my pocket money into a piggy bank every week. I never spend money on useless things. In short, saving money is a good habit that teaches me to value money. 【详解】写作步骤 [第一步：审题立意] 确定文体：说明文，以一般现在时为主 明确要点：是否存钱、存钱的原因、存钱的方式 确定人称：第一人称（I/we） 注意事项：围绕自身存钱行为、目的和方法展开说明 [第二步：构思布局] 三段式结构： 开头段：表明自己有存钱的习惯 主体段：说明存钱的原因和具体方法 结尾段：总结存钱的意义 [第三步：要点展开] 要点一：表明存钱习惯 句型：I do save money in my daily life. / I have a good habit of saving money. 要点二：阐述存钱的原因和方法 存钱原因：prepare for future needs\buy favorite things\help others等 存钱方法：cut down unnecessary expenses\save some pocket money from parents等 具体句型：I save money to prepare for my future needs, like buying books. I usually cut down unnecessary expenses, such as fewer snacks, and put some pocket money into my piggy bank every week. 要点三：总结存钱的意义 总结句型：In short, saving money helps me develop a good habit and get ready for life. 试卷第1页，共3页 试卷第1页，共3页 学科网（北京）股份有限公司 $ Unit 3 Money单元话题练 （语法填空+语法选择+阅读+完形+选词填空+写作） 一、语法填空 Complete the passage with the given words in their proper forms. (用所给单词的适当形式完成短文，使其内容通顺。) Money is something we use every day, but have you ever thought about its history? Long ago, there was no money. People used a system called “barter”. This meant the direct 1 (change) of goods. For example, a farmer might give wheat to a hunter for meat. However, this system had problems. It was difficult to agree on the cost of things. Also, carrying heavy bags of wheat was not 2 (convenience). So, 3 (social) started using shells, salt, and metals as money. Eventually, coins and paper notes appeared. These were easier to carry and count. Today,money affects every part of our lives. That is why 4 (economic) is such an important subject. Many famous 5 (economy) study how people spend and save. They look at the trade between countries. Global 6 (trade) allows us to buy products from all over the world. In recent years, technology has changed money again. Digital payments are becoming more and more common. We can transfer money 7 (quick) with a tap on our phones. Some people even say that physical cash might 8 (appear) completely in the future. Despite these changes, an old saying remains true: “Money talks.” It means money has 9 (influencer). However, we must remember that money is just a tool. It can buy a house, but not a home. It can buy medicine, but not health. We should treat it 10 (proper) and use it to do good things. 阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。 Children love pocket money (零花钱). Many parents give their children pocket money each week and allow them 1 (spend) it as they wish. Other parents don’t think it’s wise to do so. They think children should be taught that money doesn’t grow on trees and that 2 they need it, they have to do something to get it. So, some parents expect their children to make money 3 doing chores like washing the dishes or cleaning the house. And some parents even encourage their children to take on part-time jobs. Children usually spend all their money. Some parents encourage their children to save (存储) some in their own bank account. Then they can pay for their favorite things 4 (them). Pocket money actually has 5 big influence on children. It teaches them to develop good spending and saving habits. It 6 (educate) them important skills and values (价值观). Children understand that money is not unlimited (无限制的), then they will learn how to spend or save their money 7 (wise). They practice planning and making 8 (choice). They also learn more math skills through 9 (manage) money. Pocket money helps children become 10 (independent) as they get older. 阅读下面短文，在空白处填入一个恰当的单词或括号内所给单词的正确形式，并将答案写在答题卡相应的横线上。 Germans are known for their beers and soccer. But did you know that they also like to save money? Saving has a long history in Germany. The world’s 1 (one) savings bank opened in 1778 in Hamburg, a city in northern Germany. By 1836, there were more than 300 of these savings banks in the country. Germans take pride 2 how they manage their money. They are good at 3 (wait) for things they want, saving money instead of spending it right away. Germans think that saving money is a good habit. They are the top savers in the world, with families saving over eight 4 (percent) of their money in the last 20 years, according to the OECD (经济合作与发展组织). Why do Germans save so much? According to the Financial Times, being 5 (care) with money is a big part of how Germans see themselves. They 6 (strong) believe that saving money is a good character, like being honest or kind. It also shows that Germans like to plan for the future. According to Harold James, a 7 (research) at Princeton University, “The Germans are much more 8 (worry) about the future than Americans. For example, they think they need to prepare for everything that may happen, that bad things can hit them and that they need to 9 (be) ready for that.” Germans also think that saving money is important for their country. If every German 10 (keep) dropping coins into money boxes, Germany will become richer and stronger. 二、完形填空 Learning how to manage money is an important skill for life. First, you need to set a clear 1 . What are you saving for? It could be a new book, a gift for a friend, or a big thing like a bicycle. Having a goal makes saving easier. Then, make a simple budget. A budget helps you see where your money comes from and where it goes. You can 2 your pocket money or money you get as gifts. Then, decide how much you will save, how much you will spend, and how much you might want to 3 to help others. It’s also wise to think before you buy. Ask yourself: “Do I really need this, or do I just want it right now?” Sometimes, waiting for a day before buying something can help you 4 if it’s truly important. Remember, saving doesn’t mean you can’t have fun. It means you are making 5 choices about your money. You are planning for your future fun and needs. Start with small amounts, and you will be 6 at how quickly your savings can grow. You will feel confident and proud of yourself! 1．A．goal B．example C．record D．price 2．A．forget B．hide C．count D．borrow 3．A．keep B．find C．share D．take 4．A．promise B．decide C．explain D．doubt 5．A．quick B．clever C．lucky D．different 6．A．nervous B．bored C．angry D．surprised Money plays an important role in our daily lives. However, understanding its true meaning and how to use it 1 is a valuable lesson for everyone. First, money is a tool, not a 2 . It can buy necessities like food and books, but it cannot buy happiness, health or true friendship. Some people 3 money with success, but real success involves much more. So, how should we use money wisely? It’s wise to 4 a habit of saving money regularly instead of spending it all. Before buying something, ask yourself, “Do I really need this, or do I just want it?” Learning to 5 needs from wants helps make better decisions. Also, we can consider using part of our pocket money to help those in need. This act of sharing not only helps others but also makes us feel fulfilled. 6 , money itself is neither good nor bad. Its value depends on how we earn and use it. By using money properly, we can make our lives and even the world a little better. Remember, we 7 control money, not let it control us. 1．A．carelessly B．correctly C．suddenly D．secretly 2．A．goal B．gift C．game D．grade 3．A．mix up B．talk about C．take away D．look for 4．A．break B．develop C．forget D．refuse 5．A．tell B．protect C．hide D．keep 6．A．In fact B．For example C．As a result D．At first 7．A．need B．may C．should D．dare 三、语法选择 Money 1 an important part of human life for thousands of years. In ancient times, before the invention of currency, people used shells and stones 2 with each other for daily necessities. Later, as societies became more complex, metal coins 3 and became widely used across different civilisations. Nowadays, most countries around the world 4 paper money and coins as official currency in their economic systems. With rapid technological development in recent decades, digital payment 5 increasingly popular in our daily lives. Many people now pay 6 their smartphones instead of carrying traditional cash. Some experts even believe that physical money 7 completely in the future as technology advances. However, 8 this happens in the coming years, we need to be prepared for such significant changes. When 9 about money management from an early age, young people should learn to spend wisely and avoid unnecessary expenses. It’s important to save money regularly and build an emergency fund 10 you can handle unexpected situations like medical emergencies. Remember, good financial habits formed early will benefit you throughout life and help you achieve long-term goals. 1．A．is B．was C．has been 2．A．to trade B．trading C．traded 3．A．invented B．were invented C．are invented 4．A．use B．have used C．are using 5．A．becomes B．is becoming C．became 6．A．by B．through C．with 7．A．disappears B．will disappear C．disappeared 8．A．if B．when C．after 9．A．learn B．learning C．learned 10．A．because B．when C．so that Saving for a Rainy Day In China, saving money has always been considered a traditional virtue (美德). For thousands of years, Chinese people 1 the habit of putting money aside. Unlike people in some Western countries who often spend tomorrow’s money today, the older generation in China prefers to save for emergencies. They believe that a full wallet brings peace of mind. I still remember my grandmother’s old biscuit tin. It was not filled with cookies but with cash. She told me that the money 2 for “rainy days”. Whenever the family faced difficulties, that tin box was our hero. Today, although methods have changed, the spirit remains. Young people now use mobile apps instead of tin boxes. They are 3 in buying financial products online. However, habits are changing step by step. Some young people start to enjoy life more. While some save 50% of their income, 4 spend most of it on travel and hobbies. Is this good or bad? There is no simple answer. But it is important 5 a balance. We should ask ourselves 6 money means to us. Is it a tool for pleasure or a shield(盾牌) against danger? A recent survey shows that 70% of Chinese families still 7 high savings. This wealth largely creates a stable society. The habit, 8 was passed down from ancestors, is still valuable. No matter 9 rich you are, never waste a penny. After all, 10 thrifty (节俭的) is part of our culture. 1．A．keep B．kept C．have kept 2．A．saved B．was saved C．has saved 3．A．to interest B．interesting C．interested 4．A．others B．the other C．another 5．A．find B．finding C．to find 6．A．that B．if C．what 7．A．maintain B．maintains C．maintained 8．A．who B．which C．that 9．A．how B．what C．however 10．A．be B．being C．been 四、阅读理解 It’s useful to know how much money we usually spend on different things. Then, if we also know how much money we will have, we can decide which things we should buy now and which things we can go without or wait for. Here is a student’s weekly budget (预算) during the school year. Bus fares to class $5 Movies $6 Candy / Gum $5 Soft drinks $3 School lunches $10 CDs $10 Restaurants $15 Computer games $10 Total: $64 This student has only $50 a week to spend. Therefore, he must spend less on some things or not have them at all. If he wants to save on bus fares, he can walk to class. If he doesn’t buy any candy, he can save $5 a week. Or he can save $3 if he has no soft drinks. He can save on lunches if he brings his own. He may be able to save on CDs by borrowing them from his friends or buying them second-hand. He doesn’t have to go to the movies or restaurants. Different people need or want different things, so their budgets are different. Girls may not like computer games. They may want to spend more money on clothes or jewelry (珠宝). For most of us, a weekly budget is only a little helpful. We really need to have a monthly budget, or even a yearly budget. This is because we have to pay for some things only once a month or once a year. Clothes, textbooks, vacations, and so on are not weekly expenses. They are monthly or yearly expenses. 1．The student’s budget is for ________. A．seven days B．thirty days C．one term D．one year 2．Using a monthly instead of a weekly budget, you can see ________. A．less money B．things you don’t buy all the time C．how prices change quickly D．the best place to buy gum 3．If the student doesn’t buy school lunches, he will save ________ a month. A．40 dollars B．64 dollars C．216 dollars D．256 dollars 4．“To save money, students might not eat snacks at all.” The word “at all” means ________. A．not even one B．little by little C．forever D．with others 5．Girls may want to spend more money on ________. A．computer games B．sports C．clothes D．toys 6．The best title of the passage is ________. A．People Need B．What Different Things C．A student’s Weekly D．A Budget For the past decades, shopping habits have changed dramatically with technology. While traditional stores (like markets and supermarkets) and online shops both sell products, they offer very different experiences for different needs. Comparing and Contrasting: Both provide daily things like food, clothes, and electronic devices. Prices are shown clearly. High-quality products are available in both places, but it is essential to check customer reviews when shopping online to avoid unsatisfactory purchases. Feature Traditional Shopping Online Shopping Atmosphere It provides a tangible experience—you can touch, smell, and try on products personally before making a purchase decision. It offers a virtual experience—you can browse products comfortably at home, but you cannot physically touch or smell the items. Convenience You have to visit the store in person and abide by its opening hours, which may be inconvenient for busy people. It enables you to shop at anytime and from any location, as online stores operate 24 hours a day, 7 days a week. Payment Multiple payment methods are accepted at the checkout, including cash, bank cards, and mobile payment apps. You mainly rely on digital payments, such as credit cards, e-wallets, and installment payment services. Delivery You can take your purchased items home immediately after payment, with no need to wait for delivery. You have to wait for the goods to be delivered, and the delivery time usually ranges from a few hours to several days. Customer Service You can communicate face-to-face with shop assistants to get professional help and practical advice. You can seek assistance through chatbots, emails, or phone calls, but there is no face-to-face interaction. Mrs. Lin, a 65-year-old woman, says: “I prefer traditional markets because I enjoy chatting with sellers and seeing products with my own eyes. Online shopping lacks the personal touch that I value.” Tom, a 16-year-old student, holds a different opinion: “I am fond of online shopping! It saves me a lot of time, and I can easily compare prices across different platforms. Besides, the delivery service sends the goods directly to my door.” Which type of shopping is better? It depends on your personal needs—whether you value face-to-face communication and the real experience of traditional shopping, or the convenience and efficiency of online shopping. 1．What is an advantage of traditional shopping in terms of atmosphere? A．You can shop at home comfortably. B．You can touch and try products before buying. C．You don’t need to talk to anyone. D．You can browse products at any time. 2．Why might busy people prefer online shopping? A．It requires going to the store in person. B．It has fixed opening hours. C．It allows shopping anytime and anywhere. D．It needs cash payment. 3．What payment method is NOT mentioned for online shopping? A．Cash. B．Credit card. C．Installment payment. D．E-wallet. 4．According to Mrs. Lin, which reason matches her preference? A．Shopping without leaving home. B．Getting items immediately after payment. C．Having face-to-face communication with the staff. D．Being able to compare prices easily. 5．Based on the passage, which statement is TRUE? A．Traditional shopping is disappearing. B．Online shopping is better for everyone. C．The shopping choice varies according to individual needs. D．Young people never go to traditional markets. 6．Which of the following would be the best title for the passage? A．How to Shop Safely Online B．Why Online Shopping is Better C．Traditional Shopping VS. Online Shopping D．The Role of Traditional Markets in the Digital Age Have you ever heard of “conscious (清醒的) spending”? According to Ramit Sethi, conscious spending is all about spending as much as possible on the things you love and cutting costs as much as possible on the things you don’t need. It’s about knowing what you really want and then spending your money on the things you love. The term “conscious spending” suggests that people experience unconscious spending nowadays. It’s almost like unconscious eating. We’re just without a plan, and we’re not really paying much attention, especially when using credit cards (信用卡). The most important way to deal with unconscious spending is asking yourself some questions. Where has my money been going? What do I love spending money on and why? How much do I need for the things I must have, such as food and bills? How much do I want to save and why? How much do I want to set aside for unimportant buys, such as coffee with a friend or a movie ticket? Answering these questions can help you feel excited and clear about your money, know what you care less about, and live according to what’s important to you. “Then, it’s a lot easier to cut down your spending in areas that you don’t need so much,” Klontz said. Your answers to these questions agree with what Sethi calls your “rich life”—the life that is special to you and not influenced by what anyone else thinks you should do. When you’ve already thought about what you really want, you will no longer have to feel anxious (焦虑的) or doubtful about how you spend your money. 1．What is conscious spending? A．It means spending money as much as possible. B．It means cutting the cost of the things you like. C．It means spending money on the things properly. D．It means buying a lot of things you really like. 2．The writer develops his idea in Paragraph 3 by ________. A．explaining differences B．listing numbers C．giving examples D．raising questions 3．What can we infer from the last two paragraphs? A．People are easily influenced by others. B．Conscious spending can make people know how to spend their money. C．People will feel excited after buying what they really want. D．Spending money can make people feel anxious and doubtful. 4．Where can we probably read the passage? A．A travel guide. B．Sports news. C．A life magazine. D．A story book. At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. ▲ . It’s important for us to have a budget. In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 1．Where does money come from according to the text? A．Kids’ life lessons. B．Parents’ hard work. C．Good spending habits. D．The bank account. 2．Which of the following can be put in ▲ in Paragraph 3? A．We shouldn’t spend all our money in one go. B．Parents shouldn’t give kids lots of pocket money. C．We shouldn’t know the value of money too early. D．Parents shouldn’t use money to control over their children. 3．What does the writer want kids to do by giving the example of buying a bicycle? A．To buy a wonderful notebook. B．To make a free spending choice. C．To set a goal of saving money. D．To have an experience of shopping. 4．What does the underlined word “satiate” mean in Paragraph 4? A．Relax. B．Interest. C．Surprise. D．Satisfy. 5．What is the best title for the passage? A．Causes of Spending Money B．Ways of Managing Money C．Purposes of Treating Money D．Conditions of Saving Money 五、任务型阅读 Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，将答案填写在横线上。 1．How do we start learning to manage money at an early age? 2．According to the passage, where does money come from? 3．What should we do if our pocket money can’t cover everything we want? 4．What will greatly satisfy us according to Paragraph 3? 5．What do you think of money? (请用完整的一句话回答。) At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their work places to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover (足以支付) everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate (满足) us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容，回答下列问题。 1．Where does money come from according to the text? 2．Is it important for us to have a budget? 3．What does the writer want kids to do by giving the example of buying a bicycle? 4．What can we talk about with our parents? 5．Does your family make plans for using money?（请根据你家的实际情况回答） 六、选词填空     A．checking on      B．wisely      C． dealing with      D．express      E. imagine “Money makes the world go round.” So it’s certainly hard to 1 life without it. Most under-20s are financially dependent on parents, but that will change sooner than you think. It’s time for you to think about how money works. Money management not only helps you learn more about spending and saving, but also helps you gain a basic understanding of economics. Kids can learn how to use their money 2 . If a child is given cash for his birthday, he should decide whether to spend it straight away or deposit (储蓄) the money in a savings account and then start 3 its growth from time to time. Studies show that young people who understand how to make good choices can get better at 4 money as they grow up.     A．unexpected      B．reduce       C． effort       D．buys        E. compare Money doesn’t buy happiness but it matters a lot in life. Learning healthy money habits makes you feel more confident to manage daily spending or say “no” to unnecessary 5 . It also teaches important skills such as making decisions and self-control. Choosing not to buy a small treat now so you can afford something bigger later is called “delayed satisfaction”. Building up your savings also makes you feel more secure. You’ll have a safety net for 6 costs and helps you reach your goals. Kids can make money management more fun by turning it into a game. Next time when you’re in a store, 7 the price of one packet of biscuits with another and think about what you’d spend the difference on, or play the board game Monopoly (大富翁), which teaches you what happens when you spend, save and borrow. Earning and saving money takes 8 but if you save money in a clever way, you can earn money as you sleep. Ask a grown-up to help you open a savings account where your money can earn interest. 七、书面表达 1．金钱在我们的生活中扮演着重要的角色。它帮助我们满足基本需求，但也可能带来一些问题。作为一名八年级的学生，你可能已经开始管理自己的零用钱。请以“The Power of Money”为题，写一篇文章，词数不少于60。内容要包括： (1) 拥有金钱带来的结果（积极/消极）； (2) 如何明智地使用金钱； (3) 从管理金钱中受到的启发。 _________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 1．请你以“Save money”为题，根据以下提示，写一篇英语短文，60个词左右。 Suggestions: 1.Do you save money? 2.Why do you save money? 3.How do you save money? __________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 试卷第1页，共3页 试卷第1页，共3页 学科网（北京）股份有限公司 $