Unit 2 On the money 单元话题书面表达10篇-2026-2027学年九年级英语上册单元练习（外研版）

**基本信息** 初中英语Unit 2“金钱与理财”单元书面表达专项训练，含10篇分层练习（基础巩固8篇/重难提升2篇），适配单元复习，通过生活化情境提升语言表达能力，渗透理性消费观与理财思维。 **题型特征** |题型|题量/分值|知识覆盖|命题特色| |----|-----------|----------|----------| |书面表达|10题|基础题涉及书信（如给笔友提建议）、演讲稿（“我的零花钱我做主”）等文体，要求用when/where状语从句；提升题含数据分析（预算表评价）、调查结果描述，需结合个人经验论证|情境贴近学生生活（零花钱管理、储蓄计划），体现思维品质（区分“想要”与“需要”、预算合理性评价），符合核心素养中语言能力（应用文写作）与文化意识（理性消费观）的培养要求|

Unit 2 On the money 单元话题书面表达练习 单元话题：金钱与理财 本资料共10篇专题训练，从上到下依次按照难度分为基础语篇巩固练和重难语篇提升练 基础语篇巩固练 聚焦基础，巩固自我 重难语篇提升练 专注提升，挑战自我 ◇考点 01 基础语篇巩固练 1．假设你是李华，你的英国笔友Tom来信说他不知道如何管理自己的零花钱（pocket money），总是月底就花光了。请你根据本单元所学内容，给他写一封回信，给他一些建议。 提示： 1. 理解他的困扰； 2. 建议他使用“梦想储蓄罐”（dream tin）的方法； 3. 建议他学会区分“想要”和“需要”； 4. 鼓励他坚持储蓄。 要求：80-100词，语句通顺，语法正确，需使用when或where引导的状语从句。 ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】例文 Dear Tom, I am sorry to hear that you always run out of your pocket money before the month ends.  I have some advice for you. First, you can try using a dream tin. When you have a dream, write it on a tin and put your money into it. This will help you save money for things you really want. Second, learn to tell the difference between “want” and “need”. When you want to buy something, think twice. Third, start saving now. When you begin to enjoy saving, you will understand its true value. I believe you can manage your money well. Best wishes! Yours, Li Hua 【详解】写作步骤 第一步：审题立意 确定文体：书信，以一般现在时为主 明确要点：理解朋友零花钱花光的困扰、介绍梦想储蓄罐用法、区分“想要”和“需要”、鼓励坚持储蓄，需使用when/where引导的状语从句 确定人称：第一人称(I/we)、第二人称(you) 注意事项：词数80-100，语句通顺、语法正确，涵盖所有提示要点 第二步：构思布局 三段式结构： 开头段：回应来信，理解对方零花钱不足的烦恼，引出建议 主体段：依次给出两条核心理财建议，嵌入状语从句，细化做法 结尾段：鼓励对方坚持储蓄，表达美好期许 要点一：理解零花钱烦恼 范文词汇：run out of pocket money/at the end of the month/waste money/daily expense等 写作作用：共情对方处境，自然引出理财建议 要点二：使用梦想储蓄罐 范文词汇：dream tin/save money/keep saving /set a goal/stick to the dream/avoid wasting money等 作用效果：help you stick to goals/form a good saving habit 要点三：区分“想要”和“需要” 范文词汇：think twice /blind consumption/necessary goods等 作用效果：防止不必要的支出、理性消费等 要点四：坚持储蓄并鼓励对方 范文词汇：keep doing/manage money well/develop a good habit /persist in saving/financial management等 积极展望：掌握管理零用钱的技巧、让生活受益匪浅等 2．俗话说：理财有道，生活无忧。作为中学生的我们，也应该培养理财能力并形成合理的消费观。请你根据以下提示内容，写一篇英语短文，谈谈你对理性消费的看法。提示：(1) Are there any unreasonable spending habits around you? What are they? (2) How can we manage money wisely? (Make a shopping list; Set a weekly budget; ...) 注意：(1) 短文须包括所给提示信息，可适当发挥； (2) 文中不得出现真实的人名、校名和地名； (3) 词数70个左右(开头和结尾已给出，不计入总词数)。 Managing money well is an important life skill. As middle school students, we should learn to spend wisely to prepare for the future.________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ Remember, managing money wisely today means a worry-free life tomorrow. 【答案】例文： Managing money well is an important life skill. As middle school students, we should learn to spend wisely to prepare for the future. But many students often buy things blindly. For example, some students buy lots of shoes but they never wear them. Some spend lots of money on online games. How can we manage money wisely? First, we should make a shopping list before buying things. Second, set a weekly budget and stick to it. It helps manage our money well. Finally, save a small part of our pocket money for future use every week. It is also a good habit. Remember, managing money wisely today means a worry-free life tomorrow. 【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：包含两个方面——身边存在的不合理消费现象、如何明智管理金钱 确定人称：第一人称复数（we/our）和第二人称（you） 注意事项：文中不得出现真实的人名、校名和地名；开头结尾已给出；词数70左右；要点齐全；可适当发挥 [第二步：构思布局] 三段式结构： 第一段：承接已给开头，指出身边的不合理消费现象 第二段：提出明智管理金钱的具体方法 第三段：结尾已给 [第三步：要点展开] 要点一：不合理的消费现象 现象一：buy things blindly/buy lots of shoes but never wear them/buy useless toys just for fun等 现象二：spend lots of money on online games/waste much pocket money on short-lived online gifts等 要点二：明智管理金钱的方法 具体方法：make a shopping list before buying things/set a weekly budget and stick to it/save a small part of our pocket money for future use every week/avoid blind purchases/set a weekly budget to control costs等 3．为了帮助学生树立正确的金钱观，你们班将以“我的零花钱，我做主”为主题开展一次演讲比赛。假如你是李华，请结合以下提示，用英语写一篇演讲稿。 写作提示: 1. Where do you usually spend your pocket money? 2. How do you use it wisely? 3. How do you save it? 写作要求： 1. 文中须包含以上提示中的所有信息，可适当发挥； 2. 文中不得出现真实姓名和学校名称； 3. 词数100左右。 ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】例文 Dear classmates. Pocket money is necessary in our daily life. I usually spend my pocket money wisely. I often divide it into three parts. The first part is for my daily needs, such as school things and snacks. The second part is for my favorite books. I save the third part in the bank to prepare for the future. I usually make a budget for my pocket money. I often buy things on sale, and I seldom buy unnecessary things. What’s more, I prefer to pay bills in cash because it helps me spend less money. I am happy to see my savings growing in the piggy bank. Thank you. 【详解】一、审题立意 文体：应用文，以一般现在时为主 内容要点：题目要求必须包含三个核心部分：零花钱通常花在哪里；如何明智地使用零花钱；如何存钱 人称：第一人称（I, my） 注意事项：文中不得出现真实姓名和学校名称；词数100左右 二、构思布局 例文采用三段式结构： 开头段：总起，点明零花钱在日常生活中是必要的 主体段：总体介绍将零花钱分成三部分。具体说明三部分的用途。补充其他理财习惯 结尾段：介绍理性存钱、合理消费的方法并总结感受 三、要点对照 要点一：零花钱用途 用途：for my daily needs, such as school things and snacks/for my favorite books/to help people in need等 要点二：如何明智使用 使用方式：buy things on sale/seldom buy unnecessary things/pay bills in cash/buy things I really need, not things I just want等 要点三：如何存钱 存钱方式：save the third part in the bank/in the piggy bank/put my savings in a bank account so it can earn interest等 4．为引导学生树立正确的消费观，你校开展了以“学会生活、理性消费”为主题的征文活动。请你结合下面的提示信息，以“My pocket money”为题，写一篇英语作文进行投稿。 1. How do you get pocket money? 2. How much pocket money do you have every month? 3. How do you usually spend your pocket money? 4. How can you manage your pocket money better? _____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】例文 My pocket money I usually get pocket money from my parents and sometimes my grandparents. Every month, my parents give me 200 yuan. I spend half of the money on school things like pens, books and notebooks. I also use 10 percent to buy snacks. The presents for my family cost about 20 percent. I don’t spend money on things that I don’t need and I save the rest. I think I can spend more money on books because I can learn a lot from them. I will make a budget for my pocket money not only because I want to save for a rainy day, but also I want to have a good spending habit. 【详解】写作步骤 [第一步：审题立意] 确定文体：介绍性记叙文，以一般现在时为主 明确要点：零花钱的获取来源、每月零花钱金额、零花钱的花费去向、优化管理零花钱的方法 确定人称：第一人称（I/my） 注意事项：紧扣理性消费主题，不得透露真实个人信息 [第二步：构思布局] 采用三段式结构： 开头段：开篇点题，介绍自己零花钱的获取渠道 主体段：说明每月零花钱的金额，详细介绍不同用途的花费分配 结尾段：阐述自己管理零花钱的优化方法，点明理性消费的意义，升华主题 [第三步：要点展开] 要点一：零花钱的获取来源 来源对象：parents/grandparents/relatives/elder family members等 获取方式：get pocket money from/receive...from.../earn...by doing housework/get as rewards等 频率描述：usually/sometimes/often/regularly/from time to time等 要点二：每月零花钱金额 金额表述：200 yuan/about two hundred yuan/300 yuan each month等 发放频率：every month/once a month/monthly/each month等 发放主体：my parents give me/I get...from my family/my parents offer me...等 要点三：零花钱的花费去向 学习类支出：school things like pens, books and notebooks/stationery/exercise books/reference books等 日常类支出：snacks/presents for my family/drinks/small gifts for friends等 占比与储蓄：half of the money/10 percent/save the rest/put aside money/save up for future use等 要点四：零花钱的优化管理 消费优化：spend more money on books/cut down unnecessary costs/buy things we really need等 规划方法：make a budget/make a clear spending plan/keep a record of daily expenses等 管理意义：save for a rainy day/have a good spending habit/learn to manage money properly/develop financial awareness等 5．随着人们生活水平的提高，中学生的零花钱也越来越多了。同学们，你的零花钱来自哪里?平 时是怎样花费的?怎样花零花钱更加有意义?请结合以上内容谈谈自己零花钱的几种用法。以 “My pocket money”为题写一篇英语作文。 要求： 1.行文连贯，时态正确，书写工整； 2.词数不少于80(标题已给出，不计入总词数); 3.文中不得出现与本人相关的真实姓名、校名及其他相关信息。 提示词：meaningful  有意义的 My pocket money _____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】示例 My pocket money With the improvement of living standards, we students have more pocket money than before. My pocket money mainly comes from my parents and red packets during festivals. Sometimes, I also earn some by doing housework. I usually spend my money on school supplies like pens and notebooks. Occasionally, I buy snacks or books I like. However, I think the most meaningful way to use pocket money is to save part of it for future needs or donate some to help children in poor areas. Managing pocket money wisely makes my life more meaningful and helps me grow into a responsible person. 【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：零花钱来源、日常花费、有意义的花费 确定人称：第一人称(I/my) 注意事项：不得出现真实姓名与校名；词数不少于80词，需涵盖“来源、花费、意义”三方面内容 [第二步：构思布局] 三段式结构： 开头段：引出主题，点明零花钱的存在及重要性 主体段：分述零花钱的来源、日常花费、有意义的花费 结尾段：总结感悟，强调合理规划零花钱的意义 [第三步：要点展开] 要点一：零花钱来源 常见来源：My parents/During Spring Festival, I get red packets from relatives/I earn money by helping my mom do housework/I feel grateful for my parents’ support/Doing chores makes me understand the value of money等 要点二：日常花费 常规支出：I spend some on notebooks/Sometimes I buy ice-cream after school/I also use it to watch movies with friends等 要点三：有意义的花费 公益捐赠：I donate part of my money to help poor children buy schoolbags/be ready to help others等 自我提升：Donate some to help children in poor areas/I put some in a savings account to learn about financial management/Helping others makes my pocket money truly meaningful等 6．请根据下列提示，写一篇90词左右的短文，介绍你对自己资金管理的做法。 提示：1. 长辈的压岁钱，生日红包，父母的零花钱 2. 买书，看电影，帮助处于困难中的孩子，存银行； 3. 做预算，养成良好的消费习惯。 要求：1. 表达清楚，语法正确，上下文连贯； 2. 必须包含所有提示信息，并作适当发挥； 3. 表达中请勿提及真实姓名。 What I do with my money ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】 范文：                                                                 What I do with my money     I mainly get money from lucky money, birthday red packets and my parents’ weekly allowance. I manage it very carefully every month.     Firstly, I spend some on useful books and wonderful movies. Secondly, I save part of it in the bank for future use. Sometimes, I help children in need. I think making a budget is necessary. It helps me develop good spending habits. It is a good way to learn responsibility.     Managing money makes me independent and responsible. I will keep doing this to plan my life better. 【详解】写作步骤 [第一步：审题立意] 确定文体：说明文，以介绍个人理财方式为主，全文以一般现在时为主 明确要点：零花钱来源、金钱分配使用、理财规划习惯 确定人称：第一人称 (I/my) 注意事项：文中不能出现真实姓名、学校等个人信息，词数控制在90左右 [第二步：构思布局] 三段式结构： 开头段：总起，点明自己零花钱的来源，说明自己会妥善管理资金 主体段：分层写资金的各类用途，再介绍做预算的理财好习惯 结尾段：总结理财带来的收获，表明会长期坚持该理财方式 [第三步：要点展开]   要点一：零花钱来源 mainly get money from lucky money/birthday red packets/my parents’ allowance/Spring Festival lucky money from relatives/red envelopes on my birthday/weekly allowance given by my parents等 要点二：资金分配使用 spend some on books and movies/save part of it in the bank/help children in need/spend a small part of my money on useful storybooks and interesting films in my free time/put most of my remaining money into the bank account to save for future use/donate some cash to poor kids who lack study supplies等 要点三：理财消费习惯 making a budget is necessary/helps me develop good spending habits/a good way to learn responsibility/keep a monthly budget to track my income and costs/stops me from wasting money randomly/take charge of my own finance等 理财的收获总结 Managing money makes me independent and responsible./I will keep doing this to plan my life better./Learning to manage my own money builds up my independence and sense of duty/I will stick to this habit all the time./Proper money management shapes me into a reliable person/I will continue this method to arrange my future life well.等 7．良好的理财习惯对青少年的成长至关重要。假设你是李华，请以“My Saving Plan”为题，写一篇短文，谈谈你平时是如何管理零花钱的。 内容包括：1. 零花钱的来源(父母给、做家务赚取等)； 2. 你的消费习惯(不乱花钱、只买必需品等)； 3. 你的储蓄计划及用途(存钱买书、捐赠给慈善机构等)。 注意：词数100左右。 My Saving Plan ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】One possible version: My Saving Plan Money doesn’t grow on trees. As a middle school student, I think it’s important to learn how to manage money properly. Here is my saving plan. Usually, I get some pocket money from my parents. Sometimes I make money by doing chores. I never waste money. I only spend money on the things I really need, such as books and school things. I try to save a little money every day. If I save enough money, I will donate it to Project Hope to help poor children go to school. In a word, saving money is a good habit. We should use our money wisely. 【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：零花钱的来源、个人的消费习惯、储蓄计划及用途 确定人称：第一人称（I/my） 注意事项：词数100左右，不得透露真实姓名   [第二步：构思布局] 三段式结构： 开头段：引入话题，简要说明自己管理零花钱的整体态度 主体段：分别介绍零花钱来源、消费习惯和储蓄计划及用途 结尾段：总结储蓄的意义，升华主题   [第三步：要点展开] 要点一：零花钱的来源 来源方式：do housework/good grades rewards/festival gifts等 要点二：消费习惯 习惯表达：don’t spend money blindly/spend money on the things I really need/only buy necessities/avoid wasting money/keep a record of spending/compare prices before buying等 要点三：储蓄计划及用途 储蓄方式：put some money into my savings account/save a certain amount each week/month等 用途方向：buy books/donate to charity/buy a gift for parents on their birthdays/pay for summer camp等   8．为了鼓励同学们养成存钱的好习惯，学校发起制定存钱计划的倡议。请你根据提示，写一份存钱计划。词数70左右。 注意事项：1．必须包含所有提示信息，可适当发挥；开头和结尾已给出，不计入总词数； 2．意思清楚，行文连贯，书写规范；3．请勿在文中使用真实的姓名、校名和地名。 A Saving Plan Importance An important skill. Steps 1. Make a budget. 2. Spend less on snacks; make a shopping list. 3. make money: do the housework; sell empty bottles. Feelings Feel proud; learn to be patient; value hard work. Dear friends, It’s important to develop a good habit of saving money. ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】例文 A Saving Plan Dear friends, It’s important to develop a good habit of saving money. It is really an important skill for us students to learn. Here is my saving plan. First, I will make a budget for my pocket money every month. Second, I will spend less on snacks and always make a shopping list before buying things. Finally, I will try to make money by doing housework or selling empty bottles. I will feel proud of myself and learn to be patient. I also learn to value hard work through this plan. 【详解】写作步骤 [第一步：审题立意] 确定文体：应用文（倡议/计划书），以一般将来时（will）为主，描述计划做的事情 明确要点：存钱的重要性；存钱步骤；存钱感受 注意事项：不得出现真实姓名、校名；开头和结尾已给出，不计入总词数；词数70左右 [第二步：构思布局] 三段式结构： 开头段（已给出）：引出存钱习惯的重要性。 主体段：分步骤列出存钱计划 结尾段：表达感受与收获 [第三步：要点展开] 要点一：存钱的重要性 表达：important skill/for us students to learn/teaches us to be responsible with our money 要点二：存钱步骤 制定预算：make a budget/make a budget for my pocket money every month/keep a daily spending journal to track where my money goes等 减少零食开支：spend less on snacks/make a shopping list before buying things/avoid buying things on impulse等 赚钱方式：make money by doing housework/selling empty bottles/earn pocket money by helping neighbors等 要点三：感受 感到自豪：feel proud of myself/feel confident 学会耐心：learn to be patient 珍惜努力：value hard work ◇考点 02 重难语篇提升练 9．假如你是Cindy，今天你们在英语课上将进行关于“增强理财意识、理性消费”话题讨论。李老师提供了班上一位男生制定的某一周的零花钱预算表。请你用英语写一篇发言稿，为讨论做准备。 A boy’s weekly pocket money budget Total pocket money: 60 yuan Items Amount School things 5 yuan Transportation 10 yuan Snacks 25 yuan Toys 20 yuan 写作内容：1．总结这位同学的零花钱使用情况； 2．评价他的消费是否合理，并说明理由； 3．分享你自己的零花钱管理方法。 写作要求：1．词数在90词左右，开头和结尾已给出，不计入总词数。 2．语言流畅，条理分明，表达完整规范。 Hello, everyone! I’m Cindy. Now let me talk about the boy’s weekly pocket money budget. ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ Thank you for listening. 【答案】例文 Hello, everyone! I’m Cindy. Now let me talk about the boy’s weekly pocket money budget. He gets 60 yuan a week. He spends 5 on school things, 10 on transport, 25 on snacks and 20 on toys. I think his budget is not very reasonable. He spends too much on snacks and toys but little on school things. Snacks are fine, but 25 yuan is a bit high for a week. For myself, I always set aside money for necessary things first, like school supplies and bus fare. Then I save some in my piggy bank. I only use the rest for snacks or fun. I believe saving is a good habit for everyone. Thank you for listening. 【详解】写作步骤 [第一步：审题立意] 确定文体：说明文（发言稿/消费分析），用一般现在时 明确要点：总结零花钱使用情况（每周60元：学习用品5元、交通10元、零食25元、玩具20元）、评价消费是否合理及理由（不太合理，零食和玩具花费太多，学习用品花费太少）、分享自己的零花钱管理方法（先留出必需品开支如学习用品和车费、存一些在存钱罐、只用剩余的钱买零食或娱乐，储蓄是好习惯） 确定人称：第一人称（I） 注意事项：需包含所有要点，开头结尾已给出，词数90左右，注意发言稿的交流感 [第二步：构思布局] 四段式结构： 第一段：已给出，引出话题 第二段：总结零花钱使用情况（每周60元：学习用品5元、交通10元、零食25元、玩具20元），并评价消费合理性（不太合理，零食玩具花费太多，学习用品太少）并给出理由（零食一周25元有点高） 第三段：分享自己的零花钱管理方法（先留必需品、存一些、只用剩余的钱买零食或娱乐，储蓄是好习惯） 第四段：致谢 [第三步：要点展开] 要点一：零花钱总额及分配 总额表达：He gets 60 yuan a week/He receives 60 yuan weekly等 分配表达：spends 5 on school things, 10 on transport, 25 on snacks and 20 on toys/distributes the money as 5 for study items, 10 for travel, 25 for treats, and 20 for toys等 要点二：消费评价 评价表达：I think his budget is not very reasonable/His spending plan is not well-balanced等 理由一：spends too much on snacks and toys but little on school things/Too much money goes to snacks and toys while school supplies are ignored等 理由二：25 yuan is a bit high for a week/Spending 25 yuan on snacks each week is quite a lot等 要点三：自己的零花钱管理方法 方法一：set aside money for necessary things first, like school supplies and bus fare/First, I take out money for must-have items such as study tools and bus tickets等 方法二：save some in my piggy bank/Put some of the money into my savings jar等 方法三：only use the rest for snacks or fun/Use the leftover money only for snacks or entertainment等 观点总结：saving is a good habit for everyone/Developing a saving habit is beneficial for all等 10．假设你是李华，你校英语杂志社就中学生如何使用零花钱开展了一次问卷调查。请你根据调查问卷和你的实际情况，写一篇英语短文向杂志社投稿。 How do you use your pocket money? 写作提示：1. 简要描述调查结果； 2. 个人是如何支配自己的零花钱的并陈述理由。 写作要求：1. 文中须包含以上写作提示中的所有信息，可适当发挥； 2. 文中不得出现真实姓名和学校名称； 3. 词数100左右(文中已给出内容不计入总词数)。 Our school has recently carried out a survey about _________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】范文 How do you use your pocket money? Our school has recently carried out a survey about how middle school students use their pocket money. Here is the result. 50% of the students buy books or school supplies, 30% save money, 10% use it to have fun with friends, and only 5% spend it on games or help others. As for me, I usually spend my pocket money on books and school supplies, as reading opens up a new world and helps me learn more knowledge. Besides, I save some of my pocket money every month to form a good habit and prepare to help people in need. In my opinion, using pocket money wisely is very important for us students. 【详解】写作步骤 [第一步：审题立意] 确定文体：图表说明文 + 个人观点类短文，时态以一般现在时为主 明确要点：描述饼图调查结果；个人零花钱支配方式+理由 确定人称：第三人称(描述调查)+ 第一人称(个人情况) 注意事项：不出现真实信息；词数100词左右；必须包含所有图表数据 [第二步：构思布局] 四段式结构： 开头段：使用题目给定开头，引出零花钱使用调查 第二段：按饼图数据，清晰描述全校学生的零花钱使用分布 第三段：介绍自己的支配方式，并说明理由 结尾段：简单总结观点，升华 “理性消费” 主题 [第三步：要点展开] 要点一：调查结果描述 结果：buy books or school supplies/save pocket money/have fun with friends/spend it on games/help others/keep money in the bank 要点二：个人支配方式与理由 方式：spend my pocket money on books and school supplies/save some of my pocket money every month/spend a small amount on simple gifts for family 理由：open up a new world/learn more knowledge/help people in need/improve my school work/develop a good saving habit/share happiness with others 要点三：结尾升华 升华：using pocket money wisely is very important/manage money well/learn to plan spending/grow into a responsible person 学科网（北京）股份有限公司 $ Unit 2 On the money 单元话题书面表达练习 单元话题：金钱与理财 本资料共10篇专题训练，从上到下依次按照难度分为基础语篇巩固练和重难语篇提升练 基础语篇巩固练 聚焦基础，巩固自我 重难语篇提升练 专注提升，挑战自我 ◇考点 01 基础语篇巩固练 1．假设你是李华，你的英国笔友Tom来信说他不知道如何管理自己的零花钱（pocket money），总是月底就花光了。请你根据本单元所学内容，给他写一封回信，给他一些建议。 提示： 1. 理解他的困扰； 2. 建议他使用“梦想储蓄罐”（dream tin）的方法； 3. 建议他学会区分“想要”和“需要”； 4. 鼓励他坚持储蓄。 要求：80-100词，语句通顺，语法正确，需使用when或where引导的状语从句。 ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 2．俗话说：理财有道，生活无忧。作为中学生的我们，也应该培养理财能力并形成合理的消费观。请你根据以下提示内容，写一篇英语短文，谈谈你对理性消费的看法。提示：(1) Are there any unreasonable spending habits around you? What are they? (2) How can we manage money wisely? (Make a shopping list; Set a weekly budget; ...) 注意：(1) 短文须包括所给提示信息，可适当发挥； (2) 文中不得出现真实的人名、校名和地名； (3) 词数70个左右(开头和结尾已给出，不计入总词数)。 Managing money well is an important life skill. As middle school students, we should learn to spend wisely to prepare for the future.________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ Remember, managing money wisely today means a worry-free life tomorrow. 3．为了帮助学生树立正确的金钱观，你们班将以“我的零花钱，我做主”为主题开展一次演讲比赛。假如你是李华，请结合以下提示，用英语写一篇演讲稿。 写作提示: 1. Where do you usually spend your pocket money? 2. How do you use it wisely? 3. How do you save it? 写作要求： 1. 文中须包含以上提示中的所有信息，可适当发挥； 2. 文中不得出现真实姓名和学校名称； 3. 词数100左右。 ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 4．为引导学生树立正确的消费观，你校开展了以“学会生活、理性消费”为主题的征文活动。请你结合下面的提示信息，以“My pocket money”为题，写一篇英语作文进行投稿。 1. How do you get pocket money? 2. How much pocket money do you have every month? 3. How do you usually spend your pocket money? 4. How can you manage your pocket money better? _____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 5．随着人们生活水平的提高，中学生的零花钱也越来越多了。同学们，你的零花钱来自哪里?平 时是怎样花费的?怎样花零花钱更加有意义?请结合以上内容谈谈自己零花钱的几种用法。以 “My pocket money”为题写一篇英语作文。 要求： 1.行文连贯，时态正确，书写工整； 2.词数不少于80(标题已给出，不计入总词数); 3.文中不得出现与本人相关的真实姓名、校名及其他相关信息。 提示词：meaningful  有意义的 My pocket money _____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 6．请根据下列提示，写一篇90词左右的短文，介绍你对自己资金管理的做法。 提示：1. 长辈的压岁钱，生日红包，父母的零花钱 2. 买书，看电影，帮助处于困难中的孩子，存银行； 3. 做预算，养成良好的消费习惯。 要求：1. 表达清楚，语法正确，上下文连贯； 2. 必须包含所有提示信息，并作适当发挥； 3. 表达中请勿提及真实姓名。 What I do with my money ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 7．良好的理财习惯对青少年的成长至关重要。假设你是李华，请以“My Saving Plan”为题，写一篇短文，谈谈你平时是如何管理零花钱的。 内容包括：1. 零花钱的来源(父母给、做家务赚取等)； 2. 你的消费习惯(不乱花钱、只买必需品等)； 3. 你的储蓄计划及用途(存钱买书、捐赠给慈善机构等)。 注意：词数100左右。 My Saving Plan ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 8．为了鼓励同学们养成存钱的好习惯，学校发起制定存钱计划的倡议。请你根据提示，写一份存钱计划。词数70左右。 注意事项：1．必须包含所有提示信息，可适当发挥；开头和结尾已给出，不计入总词数； 2．意思清楚，行文连贯，书写规范；3．请勿在文中使用真实的姓名、校名和地名。 A Saving Plan Importance An important skill. Steps 1. Make a budget. 2. Spend less on snacks; make a shopping list. 3. make money: do the housework; sell empty bottles. Feelings Feel proud; learn to be patient; value hard work. Dear friends, It’s important to develop a good habit of saving money. ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ ◇考点 02 重难语篇提升练 9．假如你是Cindy，今天你们在英语课上将进行关于“增强理财意识、理性消费”话题讨论。李老师提供了班上一位男生制定的某一周的零花钱预算表。请你用英语写一篇发言稿，为讨论做准备。 A boy’s weekly pocket money budget Total pocket money: 60 yuan Items Amount School things 5 yuan Transportation 10 yuan Snacks 25 yuan Toys 20 yuan 写作内容：1．总结这位同学的零花钱使用情况； 2．评价他的消费是否合理，并说明理由； 3．分享你自己的零花钱管理方法。 写作要求：1．词数在90词左右，开头和结尾已给出，不计入总词数。 2．语言流畅，条理分明，表达完整规范。 Hello, everyone! I’m Cindy. Now let me talk about the boy’s weekly pocket money budget. ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ Thank you for listening. 10．假设你是李华，你校英语杂志社就中学生如何使用零花钱开展了一次问卷调查。请你根据调查问卷和你的实际情况，写一篇英语短文向杂志社投稿。 How do you use your pocket money? 写作提示：1. 简要描述调查结果； 2. 个人是如何支配自己的零花钱的并陈述理由。 写作要求：1. 文中须包含以上写作提示中的所有信息，可适当发挥； 2. 文中不得出现真实姓名和学校名称； 3. 词数100左右(文中已给出内容不计入总词数)。 Our school has recently carried out a survey about _________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 学科网（北京）股份有限公司 $