Unit 4 Personal Finance 明智管理金钱（单元阅读精练）英语新教材北师大版九年级上册

**基本信息** 以“明智管理金钱”为主题，通过多体裁说明文阅读训练，构建从个人理财到社会经济现象的知识逻辑链，提升语言理解与思维分析能力。 **专项设计** |模块|题量/典例|题型特征|知识逻辑| |----|-----------|----------|----------| |时文阅读|1篇|阅读理解（细节、词义、主旨）|家庭金钱教育方法| |真题示例|2篇|阅读理解（经验建议、重要性）|个人理财基础认知| |模拟演练|8篇|阅读理解+阅读还原（课程、预算、共享经济等）|从个人管理到社会经济现象递进|

Unit 4 Personal Finance 明智管理金钱 单元阅读精练 版块 语篇 题型 体裁 内容简介 时文阅读 Passage A 阅读理解 说明文 介绍了家庭如何教导孩子明智管理金钱的方法，包括让孩子自己赚钱、正确谈论金钱以及学习金钱管理技能的重要性 真题示例 Passage1 阅读理解 说明文 介绍了关于金钱管理的一些生活经验和建议，强调了金钱的来之不易，需要合理规划和使用，以及设定目标进行储蓄等观点。 Passage2 阅读理解 说明文 主要讲解了金钱管理的重要性及其好处。 模拟演练 Passage1 阅读理解 说明文 本文通过描述了作者与其妻子在日常生活中对于修理物品和处理财务的不同擅长领域，展现了他们之间的互补关系和相互尊重的态度。 Passage2 阅读理解 说明文 介绍了中国许多中学为青少年开设的理财课程。这些课程旨在帮助学生建立健康的金钱观，学会合理规划零花钱、记录支出和储蓄。文章还提到了学生们在参加课程后消费习惯的积极变化，以及理财作为一项重要生活技能的长远益处。 Passage3 阅读理解 说明文 介绍预算的定义、预算对我们的用处以及制作预算的具体步骤，教会读者合理规划钱财。 Passage4 阅读理解 说明文 介绍共享经济，先从分享的传统意义引入，阐述共享经济带来的各类优势，同时列举它现存的各类问题，最后展望共享经济未来持续发展的趋势。 Passage5 阅读理解 说明文 主要讲述了中国年轻人流行使用闲鱼等二手交易平台买卖二手商品的现象，介绍了二手交易兴起的原因、存在的风险以及安全交易的建议。 Passage6 阅读还原 说明文 介绍了规划的重要性，从日常生活、预算管理、学习工作等多个方面阐述了规划带来的好处，并给出了制定计划的简单建议。 Passage7 阅读还原 说明文 主要介绍了作者作为一个精明购物者的一些购物方式。 Passage8 阅读还原 说明文 介绍了一些明智的理财方法。 1.Little wealth，little care。财富少，烦恼也少。 2.What is wealth good for,If it brings melancholy?财富如带忧郁来，有了财富有何用？ 3.A penny saved is a penny gained.省下一分钱等于得到一分钱。 4.Apply yourself to true riches; it is shameful to depend upon silver and gold for a happy life.要争取真正的财富，靠金银谋取幸福是不光彩的。 5.Economy is in itself a source of great revenue.节约本身就是最大的收入。 6.He that has a full purse never lacks a friend. even in a busy market, nobody cares to know a poor person.富在深山有远亲，贫在闹市无人识。 Passage A（管理金钱） Parents and children regularly face the challenges of money. Common topics include setting the pocket money, learning to save, and deciding on expensive purchases. The goal of most parents is to teach their kids how to manage money wisely. The goal of most kids is getting money to spend. How can families balance these goals? “All parents hope they’ll raise a money-savvy kid, who’ll grow up to be a financially secure adult and can use their money wisely.” says financial planner Peg Eddy. The trick, say Eddy and most experts, is letting kids learn by having a little money of their own. They will also find it empowering. The Tidler family in Denver found the best way to teach about money was to let their kids earn some. Their son, Ryan, 17, has been helping with their garden since he was 8. Now he owns his own equipment. He has been able to save $7,800. In addition, Ryan bought a dirt bike and an impressive sound system. Ryan doesn’t resent having to make his own money when other kids are given cash by their parents. “Some kids have a lot of stuff,” he says. “Some kids don’t have much.” Talking About It Contrary to what some parents think, many kids want to learn how to handle their money. They know they are being hit by constant (non-stop) consumer messages. They are also aware of the high cost of a college education. Parents sometimes make the mistake when talking about money of discussing it only in terms of what kids shouldn’t do. Instead, experts say, knowing how to handle money is the best way for kids to get what they really want. That means long-term planning and saving for big expenses like college or a car or even the annual holiday gifts. It also means thinking of others by making donations to charity. Giselle Lopez, 17, of New York City, learned the hard way. She racked up $2,000 in debt on her first credit card. Her parents refused to pay, so Giselle got a job. Then she paid the debt off slowly herself. “Now every time I use it, I know that it comes from my own pocket,” Giselle says. “That gives me a sense of responsibility for my actions.” Different kids will have different styles when it comes to money. Teaching them how to use money doesn’t have to mean setting rigid rules. When children like Ryan and Giselle have their own money to consider, they can learn to set those rules themselves. Learn Now, Save Later Money skills are an important part of becoming a successful adult. David Brady manages a mutual fund geared toward children and young adults. “Today we have debates about Social Security and pension plans dying out,” he says. “These young people will have much more responsibility for their financial future than past generations.” Brady does caution kids. “They shouldn’t be consumed with money,” he says. However, they should understand basic rules for earning, saving and investing. That knowledge is greatly needed. Over the past decade, the average credit card debt of Americans ages 18 to 24 doubled, to nearly $3,000. Among high school seniors, four out of five have never taken a personal-finance class. On the other hand, nearly half have an ATM debit card, and more than a quarter have bounced a check. 1．What does “a money-savvy kid” in Paragraph 2 mean? A．A kid who is wise with money. B．A kid who is not in any danger. C．A kid who is from a rich family. D．A kid who can save a lot of money. 2．Experts like Eddy and Brady believe in ________. A．kids have the freedom to buy anything they want or like B．parents shouldn’t allow their kids to use money for themselves C．parents should use tricks when they talk about money use with kids D．kids are more likely to learn money management skills by using money 3．Why did the writer say Giselle Lopez learned the hard way? A．Because she took a hard money management class. B．Because she had to pay the debt off slowly herself. C．Because she learned a difficult way to manage money. D．Because she is not clever and has to work hard at school. 4．What is the best title for the passage? A．Saving Matters! B．Class Works! C．Money Counts! D．Responsibility Rules! 长难句解析 原句：That knowledge is greatly needed. Over the past decade, the average credit card debt of Americans ages 18 to 24 doubled, to nearly $3,000. Among high school seniors, four out of five have never taken a personal-finance class. 译文：这种知识至关重要。过去十年间，18至24岁美国人的平均信用卡债务翻了一番，达到近3000美元。在高中应届毕业生中，五分之四的人从未上过个人理财课程。 译文 父母和孩子常常会面临理财方面的挑战。常见的话题包括如何设定零花钱、学习储蓄以及决定是否进行大额消费。大多数家长的目标是教会孩子如何明智地管理金钱；而大多数孩子的目标则是获得可用于消费的资金。那么，家庭该如何平衡这两种目标呢？财务规划师佩格·埃迪表示：“所有家长都希望培养出具备理财能力的孩子，让他们长大后成为财务独立的成年人，并能明智地使用自己的钱。”埃迪及多数专家认为，关键在于让孩子通过拥有少量个人资金来学习理财知识——这也会让他们感到更加自信。 丹佛市的蒂德勒一家发现，教孩子理财的最佳方式就是让他们自己赚取收入。他们的儿子瑞安（17岁）从8岁起就参与打理家庭菜园，如今已拥有自己的园艺工具，并累计储蓄了7800美元。此外，他还购买了一辆越野摩托车和一套精美的音响系统。当其他孩子都能从父母那里获得现金时，瑞安并不反感自己需要赚钱。“有些孩子拥有很多东西，”他说，“而有些孩子却一无所有。” 关于这一话题：与部分家长的看法相反，许多孩子其实渴望学习如何管理自己的金钱。他们深知自己正不断受到各种消费信息的冲击，同时也清楚大学教育的高昂费用。 父母在谈论金钱问题时，有时会犯一个错误——仅仅从“孩子不该做什么”的角度来讨论。专家指出，教会孩子正确理财才是让他们获得真正所需的最佳途径。这包括制定长期规划、为大学学费、购车费用甚至年度节日礼物等大额开支储蓄；同时也要通过向慈善机构捐款来考虑他人的利益。 来自纽约市的17岁女孩吉赛尔·洛佩兹就曾有过惨痛教训。她用第一张信用卡就欠下了2000美元债务，父母拒绝还款后，吉赛尔便找到了工作，并逐步还清了这笔债务。“现在每次使用信用卡时，我都清楚这笔钱来自自己的口袋，”吉赛尔说道，“这让我对自己的行为产生了强烈的责任感。”不同孩子在理财方面会有不同的方式。教导他们如何管理金钱并不意味着要制定僵化的规则；当像瑞安和吉赛尔这样的孩子拥有自己的资金需要管理时，他们就能学会自主制定规则。 早学理财，晚享财富。理财能力是成为成功成年人的重要基石。大卫·布雷迪管理着一只专为儿童和年轻人设计的共同基金。他表示：“如今人们普遍认为社会保障体系和养老金计划正在逐渐消失。与前几代人相比，这些年轻人将承担更重大的财务责任。”布雷迪同时提醒年轻人：“不应过度沉迷金钱，但必须掌握赚钱、储蓄和投资的基本原则。” 这种知识确实非常必要。过去十年间，18至24岁美国人的平均信用卡债务翻了一番，达到近3000美元。在高中应届毕业生中，五分之四的人从未上过个人理财课程；另一方面，近一半人持有借记卡，超过四分之一的人曾遭遇支票拒付的情况。 Passage1 （2024·河北·中考真题）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 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. 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 (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! 1．Where does money come from according to the text? A．Parents’ hard work. B．Kids’ life lessons. C．Good spending habits. D．The bank account. 2．What does the writer want kids to do by giving the example of buying a bicycle? A．Buy a wonderful notebook. B．Make a free spending choice. C．Set a goal of saving money. D．Have an experience of shopping. 3．What does the underlined word “satiate” mean in Paragraph 4? A．Relax. B．Interest. C．Surprise. D．Satisfy. 4．Which of the following will the writer probably agree with? A．Adults can make money grow more. B．Kids should have a money spending plan. C．Parents may give kids lots of pocket money. D．Supermarkets will be places to change money. 5．What is the best title for the text? A．Causes of Spending Money B．Ways of Managing Money C．Purposes of Treating Money D．Conditions of Saving Money Passage2 （2026·江苏无锡·二模） What is money management? This means learning how to use your money wisely so you can pay for things you need. It teaches you about saving, spending, earning, and borrowing. If you’re given cash for your birthday, money management means deciding whether to spend it straight away or invest the money in a savings account and watch it grow. Research shows that young people start to develop financial habits (learning to manage money) from the age of seven, so the sooner you understand how to make good choices, the easier it will be to manage money when you’re older. How is it good for you? Money doesn’t buy happiness, but it plays a big role in life. As well as helping you live comfortably, it gives you the freedom to choose how to live. Author Anna Mathur says learning healthy money habits makes you feel more confident. It also teaches important skills such as decision-making and self-control. Choosing not to buy a small treat now so you can afford something bigger later is called “delayed gratification” and studies show this helps you manage your emotions and feel happier. 1．In which part of a teenager magazine can we read the passage? A．Science & Technology B．World News C．Animals & Environment D．Smart Living 2．According to the 50/30/20 rule, how much of the money should you save? A．20%. B．30%. C．50%. D．100%. 3．What does the underlined phrase “delayed gratification” mean in the passage? A．Spending all your money as soon as you get it. B．Buying a small treat to make yourself happy now. C．Waiting to buy a better thing later instead of now. D．Borrowing money from others to buy what you want. Passage 1 （24-25九年级上·江苏扬州·期中）My father, who passed away years ago, had his saying, “You break it, you fix it.” That was the motto in our house. He was quite serious about this. If we broke anything, he made us fix it. And that is also one of my wife Lucy’s sayings. Lucy can fix anything and everything. If something is broken, she has to find a way to fix it whatever it is. I sit on the other side of the table. I can break anything and everything. Several years ago, the front bumper of my car was loose. I didn’t know what to do and told Lucy about that. That’s all I did, and Lucy was out there within 30 minutes, fixing it. I was stunned because I didn’t think it was fixable. But she did. And it’s been fixed for over five years now. But we have a wonderful relationship. We are partners in the strictest sense of the word. I don’t do what she can do, and she surely doesn’t do what I can do. Well, most of the time. She knows all the builder stores around and even the workers there. I’m not even sure of the names of these stores. Last week, as we were walking around, a woman happened to stop us and asked if we knew where a certain gadget (小工具) was. Lucy told her exactly where to go and recommended a certain brand of that gadget. I just remained silent along. I’m not very smart about fix-it-up tools, but I am pretty smart about finances (财务). Once, I went into the bank to do a little business. Lucy went with me. As I talked with the office worker, Lucy had no idea about our words. Finance is not her strong point. It boils down to this: I can break anything, she can fix anything, and I can pay the bill. What more do you need for life to be happy? After years of marriage, we have understood our position. When anything is broken, I’m not allowed to touch it. That is Lucy’s job. We accept our situation and respect each other’s strengths and weaknesses. The motto in our house now is simply this: “I break it, she fixes it.” 1．The underlined word “stunned” in Paragraph 2 means ________. A．angry B．afraid C．happy D．surprised 2．What do we know about Lucy according to the passage? A．She can break everything at home. B．She is experienced at fix-it-up tools. C．She is very clever at finances. D．She forces the writer to fix everything. 3．Why does the writer give specific examples in the passage? A．To show their wonderful relationship. B．To describe their strong and weak points. C．To explain what father’s saying really means. D．To introduce more about fix-it-up tools and finances. 4．Which can be the best title of the passage? A．I Break It, She Fixes It B．You Break It, You Fix It C．What Can a Housewife Fix? D．How to Fix Something Broken? Passage 2 （26-27九年级上·全国·单元测试）Many middle schools in China have started money management courses for teenagers. The courses aim to help students build a healthy view of money and learn to manage their pocket money properly. In the courses, students learn basic knowledge of money management. They are taught to make monthly money plans, record their daily spending and save money for meaningful things. Teachers tell students that money does not come easily. Every coin is earned through their parents’ hard work, so wasting money is a bad habit. Most students have changed their consumption habits after taking the courses. They no longer buy useless snacks or online items blindly. Many students choose to save their pocket money. Some of them use their savings to buy books, stationery or donate to charity. They believe spending money on meaningful things is much more valuable. Money management is an important life skill. Teenagers should learn to spend wisely, keep honest and help others with their money. This good habit will benefit them for a lifetime. 1．What is the purpose of money management courses? A．To teach students to make much money. B．To help students form a healthy view of money. C．To ask students not to spend money. D．To teach students how to donate money. 2．What do students learn in the courses? A．How to make money online. B．How to spend money blindly. C．How to make money plans and save money. D．How to waste money properly. 3．Why should teenagers avoid wasting money? A．Because parents’ money is earned through hard work. B．Because they have no pocket money. C．Because teachers do not allow them to spend money. D．Because money is useless for students. 4．What change do most students have after the courses? A．They spend money on meaningless things. B．They make a lot of money. C．They never spend any pocket money. D．They develop good consumption habits. 5．What is the best title for the passage? A．How to Make Much Money B．Teenagers’ Pocket Money Habits C．Learn to Manage Money Wisely D．The Importance of Making Money Passage 3 （26-27九年级上·全国·单元测试）① _______ A budget (预算) is a plan that helps us decide how to make, save and spend our money. It doesn’t matter whether you’re planning how to keep the country running smoothly, or you’re trying to work out how long you’ll have to save up to buy a new video game. The basic idea is the same: Making a budget is the best way to take control of your money. ② _______ Have you ever thought about why your pocket money runs out so quickly? Or have you regretted spending your birthday money on sweets or online games when you could have saved up to buy something you really wanted instead? Making a budget can be of great help to you. It makes it much easier to save up for more expensive things like new trainers or a bike. It’s a good idea to learn more about budgeting, as it’ll help when you get older and have to pay for things like supermarket shopping and medical treatment. ③ _______ Pick up a pen and a piece of paper and start by writing pocket money. Add the extra money that you make. Next, write down any money that you spend in your everyday life. Perhaps you buy hot chocolate every week after going swimming or you buy a new game each month. This is called your “outgoings”. When you subtract (减去) your outgoings from your income, you’ll see how much you have left over to save or spend. It’s wise to save some of this money, especially if you would like to buy something special. Your budget will help you see how much you can afford to save each week and how long it will take to reach your goal (目标). You might then decide to spend less on sweets to save a little extra money or think about ways to make a little more money, so that you can reach your goal more quickly. 1．Why do we make a budget? A．To see how much we spend. B．To manage our money better. C．To find out how much we make. D．To check how much we save. 2．Making a budget helps you to _______. A．pay no attention to expensive things B．make money from other people C．buy whatever you want at once D．afford something necessary or important 3．Fill in the three _______ in the passage with the main ideas below. a. What is a budget? b. How do I make a budget? c. How can a budget help me? A．① -c ② -b ③ -a B．① -b ② -a ③ -c C．① -a ② -c ③ -b D．① -b ② -c ③ -a 4．What does the word “outgoings” refer to (指代) in the passage? A．Money you get from parents. B．Money you save for future use. C．Money you make from a job. D．Money you spend on daily needs. Passage 4 （25-26九年级上·福建福州·期中）Have you often been told that “It’s good to share” since you were kids? The behavior of sharing is good for setting up positive emotional connection (情感连接). Today, sharing takes on more meaning. Technology gives it new meaning—we use it to reduce spending or turn unused resources into income (收入). From car-sharing and home-sharing to pet-sharing, new models meet people’s needs anytime, anywhere. The sharing economy offers quality goods and services at good prices. Whether getting cheap designer clothes online or renting out apartments, both lenders and borrowers can save or make money, and even make new friends. Also, it encourages reuse, reducing waste. But the sharing economy also has problems as it’s developing faster than ongoing supervision (现行监管). Some companies are taking unfair advantage of this situation to increase their share of the market. Besides, the sharing economy is open to misuse of trust (信任). Some people have lost things while renting out their homes, and others have been stolen while sharing rides. Moreover, sharing websites collect personal information, and the technology to protect it still needs improvement. The awareness (意识) of possible risks is low among both service providers and users. However, it’s believed that the sharing economy is increasingly related to our daily lives. It is growing at such a speed that we can only imagine what it will include in the future. What will we share next? How will we share? What kind of society will this sharing take us to? 1．How does the writer begin the passage? A．By giving a reason. B．By asking a question. C．By giving an example. D．By listing numbers. 2．According to Paragraph 3, which of the following are the advantages of the sharing economy? ①make friends with others        ②save or make money ③enjoy quality goods and services at good prices    ④reuse and recycle waste A．①②③ B．①②④ C．①③④ D．②③④ 3．Which of the following is an example of misuse in the sharing economy? A．Renting an apartment to travelers. B．Selling old clothes online. C．Stealing from someone during a ride share. D．Borrowing a car for a short trip. 4．What can be inferred (推断) from the last paragraph? A．The sharing economy has no risks. B．The sharing economy will soon disappear. C．People will stop sharing personal information. D．The sharing economy will keep growing in the future. 5．What’s the main idea of the passage? A．It is about why sharing economy makes us happy. B．It is about how sharing economy helps save money. C．It is about experience and risks of sharing economy. D．It is about growth and problems of sharing economy. Passage 5 （2026·湖北武汉·模拟预测）More and more young people in China are using apps like Xianyu to buy and sell second-hand goods, such as clothes, books, and electronics. They prefer this flexible (灵活的) trading way to make full use of unused things and meet their daily needs easily. Second-hand trading has become a big hit. There are several reasons for its rise. First, it saves money. Students can buy used textbooks at half price, and fashion lovers can find cheap but fashionable clothes. Second, it is environmentally friendly. Making new products uses many natural resources (资源) and creates pollution. By reusing old things, we reduce waste and help protect our planet. Third, it creates a sharing economy (经济). Things that are no longer needed can find new owners instead of being thrown away. This smart way of living is called “circular (循环的) economy”. ★ The quality of used things is not always good. Sometimes, a “like new” phone may have hidden problems, such as a broken screen. Also, dishonest sellers may cheat buyers by sending fake or broken goods. Without careful checking, buyers can lose money and feel annoyed. Therefore, experts advise people to check product photos carefully, read other buyers’ reviews and always use the app’s official payment system. These effective measures can greatly avoid most common trading risks and protect users’ rights. To trade safely, follow these tips. Always ask the seller for real pictures taken at different views. Compare prices from different sellers. It’s never too careful to make a deal in a quite low price. After receiving the object, check it right away. If something is wrong, get in touch with customer service and ask for a refund (退款). In conclusion, second-hand trading is both money-saving and eco-friendly. When done carefully, it benefits everyone — buyers, sellers, and the Earth. As more young people choose the popular way, our society will become less wasteful and more responsible. 1．Why is second-hand trading good for the environment? A．It creates a flexible trading way. B．It lowers the price of textbooks. C．It reduces waste and saves resources. D．It helps fashion lovers find clothes. 2．Which of the following can be put in ★ ? A．However, second-hand trading also has some risks. B．Besides, it creates a sharing economy and a more wasteful society. C．Most goods are usually in perfect condition with no hidden problems. D．Dishonest sellers never cheat buyers on second-hand trading apps. 3．What can we know from the underlined sentence? A．It’s better to make a deal in off-line markets. B．The sellers sometimes offer low prices to cheat buyers. C．In some buyers’ eyes, high prices mean good quality. D．The sellers always tell the truth about their products. 4．What is the writer’s opinion about second-hand trading? A．People should never buy used goods. B．It doesn’t matter whether people do it or not. C．Though it is good, people must be careful. D．It’s not necessary to worry about its safety. 5．What is the writing purpose of the passage? A．To compare different second-hand trading apps. B．To teach us how to use apps like Xianyu. C．To warn people about the danger of online shopping. D．To introduce popular second-hand trading. Passage 6 （25-26八年级下·江苏常州·期中）阅读下面短文，从短文后所给的选项中选出可以填入空白处的最佳选项(选项中有两项为多余选项)。 Many people may think of planning as a boring thing, but in fact it’s one of the most useful skills we should learn. As the saying goes, “If you fail to plan, you are planning to fail.” Doing planning means creating a timeline and road map for reaching the goals we’ve set for ourselves. In fact, we all do planning in one way or another and enjoy the benefits (好处) of it in our daily lives, even if we don’t realize it. 1 Planning helps us remember what to do and where to go before we leave. By planning ahead, we can enjoy a much better holiday experience. Planning is also widely used for managing a budget. By making a spending plan, we can check our finances (财力) often and stop ourselves from wasting money on unnecessary things. 2 For some people, planning has become an important part of life. For one thing, whether it’s for studying, working, or realizing dreams, a good plan helps us use time wisely and avoid mistakes. 3 Now you see why planning is so important! To get started, you can write down your goals, break them into small parts, and then start planning how to make them come true. 4 Little by little, your plans will turn your big dreams into real-life achievements! A．A great example of this is when we plan our holidays. B．Planning can also help you make more friends in daily life. C．This helps us save money and balance the budget. D．For another, having a plan makes us deal with accidents without stress (压力). E．You don’t have to make very difficult plans at the very beginning. F．Some people never make any plans before they go on a trip. Passage 7 （24-25九年级上·江苏盐城·期末）阅读下面短文，从所给选项中选出能填入空白处的最佳选项，使短文通顺，结构完整， 其中有一项是多余选项。 Are you good at shopping? Can you make the best of your money? 1 They say I am smart because I always make the best of my money and buy the most suitable things. Here is the way I do the shopping. I never buy too many things. 2 I write down what I need and buy them one by one. I never say “ 3 ” I buy something only because I need it, not because it’s cheap. So don’t waste any money on cheap things. 4 I know how much money I can use to buy the things every time. I know money doesn’t grow on trees. I seldom spend more than the plan. I usually go shopping at the right place and the right time. I dislike to go to shops with too many people. Too many people around me often make me spend more. And I don’t go shopping when I’m tired or hungry, so I don’t buy things in a hurry. 5 Do you want to be a smarter shopper? Try my ways! A．I always make a plan. B．It is so cheap. I will buy it. C．I can make the best use of my money. D．People often call me a smart shopper. E．I usually make a shopping list when I go shopping. F．I go shopping after meals because walking helps me digest (消化) the food too. Passage 8 （2023·山东济南·一模）根据短文内容，从短文后的选项中选出能填入空白处的最佳选项。选项中有两项为多余选项。 Have you ever considered the way you spend your money? What do you buy? When do you buy? It is important to use your money wisely. Then, you will have enough for the things you want. You can make smart decisions about your money. 1 One way to be smart with your money is to shop around before you buy. Visit more than one store, check the prices at each store, and try not to be in a hurry to buy. You do not have to buy at the first store you visit; another store might have what you want at a lower price. 2 Another way to be smart with your money is to wait for a sale. 3 For example, suppose you want to buy a camera. Wait until a store has a sale. You can save 20 percent, 30 percent, or more on the price of the camera by waiting for a sale. Some stores also offer a discount if you buy more than one of an item. So, look for sales offering a lower price per item if you buy two of that item. You could save money. 4 For instance, large bags of dog food usually cost less per pound than small bags cost. A large pack of pens usually costs less per pen than a small pack of pens. So, even though you may spend more on a large size, you are really saving money per item. You can learn to be smart with your money. 5 You cannot always have what you want right away. But if you are patient, you will save money. Then, you will have more money to spend on what you want. A．Many stores offer special discounts. B．It is not a good idea to wait for a sale. C．All it takes is some careful, smart thinking. D．Being careful with money is wise. E．It takes some practice, and it takes patience. F．You can even check online and compare prices. G．You can also use your money wisely by buying larger sizes of things. 2 原创精品资源学科网独家享有版权，侵权必究！ 2 / 23 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $ Unit 4 Personal Finance 明智管理金钱 单元阅读精练 版块 语篇 题型 体裁 内容简介 时文阅读 Passage A 阅读理解 说明文 介绍了家庭如何教导孩子明智管理金钱的方法，包括让孩子自己赚钱、正确谈论金钱以及学习金钱管理技能的重要性 真题示例 Passage1 阅读理解 说明文 介绍了关于金钱管理的一些生活经验和建议，强调了金钱的来之不易，需要合理规划和使用，以及设定目标进行储蓄等观点。 Passage2 阅读理解 说明文 主要讲解了金钱管理的重要性及其好处。 模拟演练 Passage1 阅读理解 说明文 本文通过描述了作者与其妻子在日常生活中对于修理物品和处理财务的不同擅长领域，展现了他们之间的互补关系和相互尊重的态度。 Passage2 阅读理解 说明文 介绍了中国许多中学为青少年开设的理财课程。这些课程旨在帮助学生建立健康的金钱观，学会合理规划零花钱、记录支出和储蓄。文章还提到了学生们在参加课程后消费习惯的积极变化，以及理财作为一项重要生活技能的长远益处。 Passage3 阅读理解 说明文 介绍预算的定义、预算对我们的用处以及制作预算的具体步骤，教会读者合理规划钱财。 Passage4 阅读理解 说明文 介绍共享经济，先从分享的传统意义引入，阐述共享经济带来的各类优势，同时列举它现存的各类问题，最后展望共享经济未来持续发展的趋势。 Passage5 阅读理解 说明文 主要讲述了中国年轻人流行使用闲鱼等二手交易平台买卖二手商品的现象，介绍了二手交易兴起的原因、存在的风险以及安全交易的建议。 Passage6 阅读还原 说明文 介绍了规划的重要性，从日常生活、预算管理、学习工作等多个方面阐述了规划带来的好处，并给出了制定计划的简单建议。 Passage7 阅读还原 说明文 主要介绍了作者作为一个精明购物者的一些购物方式。 Passage8 阅读还原 说明文 介绍了一些明智的理财方法。 1.Little wealth，little care。财富少，烦恼也少。 2.What is wealth good for,If it brings melancholy?财富如带忧郁来，有了财富有何用？ 3.A penny saved is a penny gained.省下一分钱等于得到一分钱。 4.Apply yourself to true riches; it is shameful to depend upon silver and gold for a happy life.要争取真正的财富，靠金银谋取幸福是不光彩的。 5.Economy is in itself a source of great revenue.节约本身就是最大的收入。 6.He that has a full purse never lacks a friend. even in a busy market, nobody cares to know a poor person.富在深山有远亲，贫在闹市无人识。 Passage A（管理金钱） Parents and children regularly face the challenges of money. Common topics include setting the pocket money, learning to save, and deciding on expensive purchases. The goal of most parents is to teach their kids how to manage money wisely. The goal of most kids is getting money to spend. How can families balance these goals? “All parents hope they’ll raise a money-savvy kid, who’ll grow up to be a financially secure adult and can use their money wisely.” says financial planner Peg Eddy. The trick, say Eddy and most experts, is letting kids learn by having a little money of their own. They will also find it empowering. The Tidler family in Denver found the best way to teach about money was to let their kids earn some. Their son, Ryan, 17, has been helping with their garden since he was 8. Now he owns his own equipment. He has been able to save $7,800. In addition, Ryan bought a dirt bike and an impressive sound system. Ryan doesn’t resent having to make his own money when other kids are given cash by their parents. “Some kids have a lot of stuff,” he says. “Some kids don’t have much.” Talking About It Contrary to what some parents think, many kids want to learn how to handle their money. They know they are being hit by constant (non-stop) consumer messages. They are also aware of the high cost of a college education. Parents sometimes make the mistake when talking about money of discussing it only in terms of what kids shouldn’t do. Instead, experts say, knowing how to handle money is the best way for kids to get what they really want. That means long-term planning and saving for big expenses like college or a car or even the annual holiday gifts. It also means thinking of others by making donations to charity. Giselle Lopez, 17, of New York City, learned the hard way. She racked up $2,000 in debt on her first credit card. Her parents refused to pay, so Giselle got a job. Then she paid the debt off slowly herself. “Now every time I use it, I know that it comes from my own pocket,” Giselle says. “That gives me a sense of responsibility for my actions.” Different kids will have different styles when it comes to money. Teaching them how to use money doesn’t have to mean setting rigid rules. When children like Ryan and Giselle have their own money to consider, they can learn to set those rules themselves. Learn Now, Save Later Money skills are an important part of becoming a successful adult. David Brady manages a mutual fund geared toward children and young adults. “Today we have debates about Social Security and pension plans dying out,” he says. “These young people will have much more responsibility for their financial future than past generations.” Brady does caution kids. “They shouldn’t be consumed with money,” he says. However, they should understand basic rules for earning, saving and investing. That knowledge is greatly needed. Over the past decade, the average credit card debt of Americans ages 18 to 24 doubled, to nearly $3,000. Among high school seniors, four out of five have never taken a personal-finance class. On the other hand, nearly half have an ATM debit card, and more than a quarter have bounced a check. 1．What does “a money-savvy kid” in Paragraph 2 mean? A．A kid who is wise with money. B．A kid who is not in any danger. C．A kid who is from a rich family. D．A kid who can save a lot of money. 2．Experts like Eddy and Brady believe in ________. A．kids have the freedom to buy anything they want or like B．parents shouldn’t allow their kids to use money for themselves C．parents should use tricks when they talk about money use with kids D．kids are more likely to learn money management skills by using money 3．Why did the writer say Giselle Lopez learned the hard way? A．Because she took a hard money management class. B．Because she had to pay the debt off slowly herself. C．Because she learned a difficult way to manage money. D．Because she is not clever and has to work hard at school. 4．What is the best title for the passage? A．Saving Matters! B．Class Works! C．Money Counts! D．Responsibility Rules! 长难句解析 原句：That knowledge is greatly needed. Over the past decade, the average credit card debt of Americans ages 18 to 24 doubled, to nearly $3,000. Among high school seniors, four out of five have never taken a personal-finance class. 译文：这种知识至关重要。过去十年间，18至24岁美国人的平均信用卡债务翻了一番，达到近3000美元。在高中应届毕业生中，五分之四的人从未上过个人理财课程。 【答案】1．A 2．D 3．B 4．C 【导语】本文是一篇议论文，主要介绍了家庭如何教导孩子明智管理金钱的方法，包括让孩子自己赚钱、正确谈论金钱以及学习金钱管理技能的重要性。 【详解】1．词句猜测题。根据“who’ll grow up to be a financially secure adult and can use their money wisely”可知，所有的家长们都希望孩子们成长为能够明智地使用他们的钱的人，可猜测“a money-savvy kid”指的是在金钱方面很明智的孩子。故选A。 2．细节理解题。根据“The trick, say Eddy and most experts, is letting kids learn by having a little money of their own. They will also find it empowering.”和“‘They shouldn’t be consumed with money,’ he says. However, they should understand basic rules for earning, saving and investing.”可知，Eddy认为应该通过让孩子们能支配一定的钱来培养他们的理财能力，Brady认为孩子们应该了解赚钱、储蓄和投资的基本规则，因此专家认为孩子通过使用金钱更有可能学会金钱管理技能。故选D。 3．细节理解题。根据“She racked up $2,000 in debt on her first credit card. Her parents refused to pay. So Giselle got a job. Then she paid the debt off slowly herself.”可知，Giselle Lopez是因为自己慢慢还清了债务，所以是通过艰难的方式学会了金钱管理。故选B。 4．最佳标题题。通读全文可知，文章主要围绕孩子如何管理金钱展开，介绍了让孩子自己赚钱、正确谈论金钱以及学习金钱管理技能的重要性，选项C“金钱很重要！”能概括文章主旨，为最佳标题。故选C。 译文 父母和孩子常常会面临理财方面的挑战。常见的话题包括如何设定零花钱、学习储蓄以及决定是否进行大额消费。大多数家长的目标是教会孩子如何明智地管理金钱；而大多数孩子的目标则是获得可用于消费的资金。那么，家庭该如何平衡这两种目标呢？财务规划师佩格·埃迪表示：“所有家长都希望培养出具备理财能力的孩子，让他们长大后成为财务独立的成年人，并能明智地使用自己的钱。”埃迪及多数专家认为，关键在于让孩子通过拥有少量个人资金来学习理财知识——这也会让他们感到更加自信。 丹佛市的蒂德勒一家发现，教孩子理财的最佳方式就是让他们自己赚取收入。他们的儿子瑞安（17岁）从8岁起就参与打理家庭菜园，如今已拥有自己的园艺工具，并累计储蓄了7800美元。此外，他还购买了一辆越野摩托车和一套精美的音响系统。当其他孩子都能从父母那里获得现金时，瑞安并不反感自己需要赚钱。“有些孩子拥有很多东西，”他说，“而有些孩子却一无所有。” 关于这一话题：与部分家长的看法相反，许多孩子其实渴望学习如何管理自己的金钱。他们深知自己正不断受到各种消费信息的冲击，同时也清楚大学教育的高昂费用。 父母在谈论金钱问题时，有时会犯一个错误——仅仅从“孩子不该做什么”的角度来讨论。专家指出，教会孩子正确理财才是让他们获得真正所需的最佳途径。这包括制定长期规划、为大学学费、购车费用甚至年度节日礼物等大额开支储蓄；同时也要通过向慈善机构捐款来考虑他人的利益。 来自纽约市的17岁女孩吉赛尔·洛佩兹就曾有过惨痛教训。她用第一张信用卡就欠下了2000美元债务，父母拒绝还款后，吉赛尔便找到了工作，并逐步还清了这笔债务。“现在每次使用信用卡时，我都清楚这笔钱来自自己的口袋，”吉赛尔说道，“这让我对自己的行为产生了强烈的责任感。”不同孩子在理财方面会有不同的方式。教导他们如何管理金钱并不意味着要制定僵化的规则；当像瑞安和吉赛尔这样的孩子拥有自己的资金需要管理时，他们就能学会自主制定规则。 早学理财，晚享财富。理财能力是成为成功成年人的重要基石。大卫·布雷迪管理着一只专为儿童和年轻人设计的共同基金。他表示：“如今人们普遍认为社会保障体系和养老金计划正在逐渐消失。与前几代人相比，这些年轻人将承担更重大的财务责任。”布雷迪同时提醒年轻人：“不应过度沉迷金钱，但必须掌握赚钱、储蓄和投资的基本原则。” 这种知识确实非常必要。过去十年间，18至24岁美国人的平均信用卡债务翻了一番，达到近3000美元。在高中应届毕业生中，五分之四的人从未上过个人理财课程；另一方面，近一半人持有借记卡，超过四分之一的人曾遭遇支票拒付的情况。 Passage1 （2024·河北·中考真题）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 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. 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 (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! 1．Where does money come from according to the text? A．Parents’ hard work. B．Kids’ life lessons. C．Good spending habits. D．The bank account. 2．What does the writer want kids to do by giving the example of buying a bicycle? A．Buy a wonderful notebook. B．Make a free spending choice. C．Set a goal of saving money. D．Have an experience of shopping. 3．What does the underlined word “satiate” mean in Paragraph 4? A．Relax. B．Interest. C．Surprise. D．Satisfy. 4．Which of the following will the writer probably agree with? A．Adults can make money grow more. B．Kids should have a money spending plan. C．Parents may give kids lots of pocket money. D．Supermarkets will be places to change money. 5．What is the best title for the text? A．Causes of Spending Money B．Ways of Managing Money C．Purposes of Treating Money D．Conditions of Saving Money 【答案】1．A 2．C 3．D 4．B 5．B 【导语】本文是一篇议论文，介绍了关于金钱管理的一些生活经验和建议，强调了金钱的来之不易，需要合理规划和使用，以及设定目标进行储蓄等观点。 【详解】1．细节理解题。根据“We need to know that our parents work hard to make money”可知，金钱来自于父母的辛勤工作。故选A。 2．推理判断题。根据“If we wish to own a new bicycle but can’t afford it, we can save our pocket money.”可知，如果我们想拥有一辆新自行车，但买不起，我们可以省下零花钱，作者希望孩子们通过购买自行车的例子设定一个储蓄的目标。故选C。 3．词句猜测题。根据“After we have enough, we can buy that wonderful bicycle we’ve dreamed about!”可知，划线部分单词意为“满足”，与Satisfy意思相近。故选D。 4．细节理解题。根据“We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算) .”可知，我们不应该一次花光所有的钱，预算对我们来说很重要。因此作者认为孩子们应该有一个花钱的计划。故选B。 5．最佳标题题。通读全文可知，文章主要讲述了我们应该如何理解和管理金钱，以及如何形成良好的消费习惯，所以最佳标题应该是“管理金钱的方式”。故选B。 Passage2 （2026·江苏无锡·二模） What is money management? This means learning how to use your money wisely so you can pay for things you need. It teaches you about saving, spending, earning, and borrowing. If you’re given cash for your birthday, money management means deciding whether to spend it straight away or invest the money in a savings account and watch it grow. Research shows that young people start to develop financial habits (learning to manage money) from the age of seven, so the sooner you understand how to make good choices, the easier it will be to manage money when you’re older. How is it good for you? Money doesn’t buy happiness, but it plays a big role in life. As well as helping you live comfortably, it gives you the freedom to choose how to live. Author Anna Mathur says learning healthy money habits makes you feel more confident. It also teaches important skills such as decision-making and self-control. Choosing not to buy a small treat now so you can afford something bigger later is called “delayed gratification” and studies show this helps you manage your emotions and feel happier. 1．In which part of a teenager magazine can we read the passage? A．Science & Technology B．World News C．Animals & Environment D．Smart Living 2．According to the 50/30/20 rule, how much of the money should you save? A．20%. B．30%. C．50%. D．100%. 3．What does the underlined phrase “delayed gratification” mean in the passage? A．Spending all your money as soon as you get it. B．Buying a small treat to make yourself happy now. C．Waiting to buy a better thing later instead of now. D．Borrowing money from others to buy what you want. 【答案】1．D 2．A 3．C 【导语】本文是一篇应用文，主要讲解了金钱管理的重要性及其好处。 【详解】1．通读全文，本文主要讨论金钱管理，包括如何明智地花钱、储蓄、延迟满足等，属于个人理财和生活技能范畴。这类内容通常出现在“智慧生活”板块，而不是科技、世界新闻或动物与环境板块。 2．根据图片部分的50/30/20原则，50%用于必要支出，30%用于非必要消费，20%用于储蓄。 3．原文划线词上文直接给出定义：“Choosing not to buy a small treat now so you can afford something bigger later is called ‘delayed gratification’”，选择现在不买小零食，以便以后能买得起更大的东西，“推迟当下的满足，以换取未来更好的回报”，即等待以后买更好的东西而不是现在。 Passage 1 （24-25九年级上·江苏扬州·期中）My father, who passed away years ago, had his saying, “You break it, you fix it.” That was the motto in our house. He was quite serious about this. If we broke anything, he made us fix it. And that is also one of my wife Lucy’s sayings. Lucy can fix anything and everything. If something is broken, she has to find a way to fix it whatever it is. I sit on the other side of the table. I can break anything and everything. Several years ago, the front bumper of my car was loose. I didn’t know what to do and told Lucy about that. That’s all I did, and Lucy was out there within 30 minutes, fixing it. I was stunned because I didn’t think it was fixable. But she did. And it’s been fixed for over five years now. But we have a wonderful relationship. We are partners in the strictest sense of the word. I don’t do what she can do, and she surely doesn’t do what I can do. Well, most of the time. She knows all the builder stores around and even the workers there. I’m not even sure of the names of these stores. Last week, as we were walking around, a woman happened to stop us and asked if we knew where a certain gadget (小工具) was. Lucy told her exactly where to go and recommended a certain brand of that gadget. I just remained silent along. I’m not very smart about fix-it-up tools, but I am pretty smart about finances (财务). Once, I went into the bank to do a little business. Lucy went with me. As I talked with the office worker, Lucy had no idea about our words. Finance is not her strong point. It boils down to this: I can break anything, she can fix anything, and I can pay the bill. What more do you need for life to be happy? After years of marriage, we have understood our position. When anything is broken, I’m not allowed to touch it. That is Lucy’s job. We accept our situation and respect each other’s strengths and weaknesses. The motto in our house now is simply this: “I break it, she fixes it.” 1．The underlined word “stunned” in Paragraph 2 means ________. A．angry B．afraid C．happy D．surprised 2．What do we know about Lucy according to the passage? A．She can break everything at home. B．She is experienced at fix-it-up tools. C．She is very clever at finances. D．She forces the writer to fix everything. 3．Why does the writer give specific examples in the passage? A．To show their wonderful relationship. B．To describe their strong and weak points. C．To explain what father’s saying really means. D．To introduce more about fix-it-up tools and finances. 4．Which can be the best title of the passage? A．I Break It, She Fixes It B．You Break It, You Fix It C．What Can a Housewife Fix? D．How to Fix Something Broken? 【答案】1．D 2．B 3．B 4．A 【导语】本文通过描述了作者与其妻子在日常生活中对于修理物品和处理财务的不同擅长领域，展现了他们之间的互补关系和相互尊重的态度。 【详解】1．词义猜测题。根据第二段“I was stunned because I didn’t think it was fixable. But she did. And it’s been fixed for over five years now.”可知，作者自己认为汽车前保险杠无法修复，但妻子却修好了，所以这让作者很惊讶；据此可以推断，划线单词“stunned”意为“惊讶的”，与“surprised”同义。故选D。 2．推理判断题。根据第四段“Last week, as we were walking around, a woman happened to stop us and asked if we knew where a certain gadget was. Lucy told her exactly where to go and recommended a certain brand of that gadget.”可知，作者的妻子准确地告诉那位女士去哪里买那个小工具，并且还推荐了一种品牌；据此可以推断，她对于修理工具很有经验。故选B。 3．细节理解题。根据第二段“Several years ago, the front bumper of my car was loose. I didn’t know what to do and told Lucy about that. That’s all I did, and Lucy was out there within 30 minutes, fixing it.”、第五段“I’m not very smart about fix-it-up tools, but I am pretty smart about finances.”以及最后一段“We accept our situation and respect each other’s strengths and weaknesses.”可知，作者在文章中举了具体的例子来说明他们夫妻之间的分工合作，展现各自的优点和缺点，以及他们如何相互尊重的生活态度。故选B。 4．最佳标题题。综合全文，尤其是根据最后一段“The motto in our house now is simply this: ‘I break it, she fixes it.’”可知，本文主要讲述了作者和妻子之间如何分工合作，即作者打破东西，妻子修理东西；选项A“我弄坏了，她修好”最能概括文章的主题，适合作为文章的标题。故选A。 Passage 2 （26-27九年级上·全国·单元测试）Many middle schools in China have started money management courses for teenagers. The courses aim to help students build a healthy view of money and learn to manage their pocket money properly. In the courses, students learn basic knowledge of money management. They are taught to make monthly money plans, record their daily spending and save money for meaningful things. Teachers tell students that money does not come easily. Every coin is earned through their parents’ hard work, so wasting money is a bad habit. Most students have changed their consumption habits after taking the courses. They no longer buy useless snacks or online items blindly. Many students choose to save their pocket money. Some of them use their savings to buy books, stationery or donate to charity. They believe spending money on meaningful things is much more valuable. Money management is an important life skill. Teenagers should learn to spend wisely, keep honest and help others with their money. This good habit will benefit them for a lifetime. 1．What is the purpose of money management courses? A．To teach students to make much money. B．To help students form a healthy view of money. C．To ask students not to spend money. D．To teach students how to donate money. 2．What do students learn in the courses? A．How to make money online. B．How to spend money blindly. C．How to make money plans and save money. D．How to waste money properly. 3．Why should teenagers avoid wasting money? A．Because parents’ money is earned through hard work. B．Because they have no pocket money. C．Because teachers do not allow them to spend money. D．Because money is useless for students. 4．What change do most students have after the courses? A．They spend money on meaningless things. B．They make a lot of money. C．They never spend any pocket money. D．They develop good consumption habits. 5．What is the best title for the passage? A．How to Make Much Money B．Teenagers’ Pocket Money Habits C．Learn to Manage Money Wisely D．The Importance of Making Money 【答案】1．B 2．C 3．A 4．D 5．C 【导语】本文主要介绍了中国许多中学为青少年开设的理财课程。这些课程旨在帮助学生建立健康的金钱观，学会合理规划零花钱、记录支出和储蓄。文章还提到了学生们在参加课程后消费习惯的积极变化，以及理财作为一项重要生活技能的长远益处。 【详解】1． 第一段明确指出：“The courses aim to help students build a healthy view of money and learn to manage their pocket money properly.”，说明课程的目的是帮助学生形成健康的金钱观。 2． 第二段提到：“They are taught to make monthly money plans, record their daily spending and save money for meaningful things.”，说明学生在课程中学习如何制定金钱计划和储蓄。 3． 第二段中提到：“Teachers tell students that money does not come easily. Every coin is earned through their parents’ hard work, so wasting money is a bad habit.”，说明青少年应避免浪费金钱是因为父母的钱是通过辛勤工作挣来的。 4．第三段开头指出：“Most students have changed their consumption habits after taking the courses.”，随后列举了他们不再盲目购买无用物品、选择储蓄或将钱花在有意义的事情上，这说明他们养成了良好的消费习惯。 5．全文围绕青少年学习理财、明智花钱展开，强调了“spend wisely”（明智消费）和“manage money”（管理金钱）。A项和D项侧重于“赚钱”，与文意不符；B项仅提及习惯，未体现“学习管理”的过程；C项“Learn to Manage Money Wisely”（学会明智地管理金钱）最能概括文章主旨。 Passage 3 （26-27九年级上·全国·单元测试）① _______ A budget (预算) is a plan that helps us decide how to make, save and spend our money. It doesn’t matter whether you’re planning how to keep the country running smoothly, or you’re trying to work out how long you’ll have to save up to buy a new video game. The basic idea is the same: Making a budget is the best way to take control of your money. ② _______ Have you ever thought about why your pocket money runs out so quickly? Or have you regretted spending your birthday money on sweets or online games when you could have saved up to buy something you really wanted instead? Making a budget can be of great help to you. It makes it much easier to save up for more expensive things like new trainers or a bike. It’s a good idea to learn more about budgeting, as it’ll help when you get older and have to pay for things like supermarket shopping and medical treatment. ③ _______ Pick up a pen and a piece of paper and start by writing pocket money. Add the extra money that you make. Next, write down any money that you spend in your everyday life. Perhaps you buy hot chocolate every week after going swimming or you buy a new game each month. This is called your “outgoings”. When you subtract (减去) your outgoings from your income, you’ll see how much you have left over to save or spend. It’s wise to save some of this money, especially if you would like to buy something special. Your budget will help you see how much you can afford to save each week and how long it will take to reach your goal (目标). You might then decide to spend less on sweets to save a little extra money or think about ways to make a little more money, so that you can reach your goal more quickly. 1．Why do we make a budget? A．To see how much we spend. B．To manage our money better. C．To find out how much we make. D．To check how much we save. 2．Making a budget helps you to _______. A．pay no attention to expensive things B．make money from other people C．buy whatever you want at once D．afford something necessary or important 3．Fill in the three _______ in the passage with the main ideas below. a. What is a budget? b. How do I make a budget? c. How can a budget help me? A．① -c ② -b ③ -a B．① -b ② -a ③ -c C．① -a ② -c ③ -b D．① -b ② -c ③ -a 4．What does the word “outgoings” refer to (指代) in the passage? A．Money you get from parents. B．Money you save for future use. C．Money you make from a job. D．Money you spend on daily needs. 【答案】1．B 2．D 3．C 4．D 【导语】本文是一篇说明文，介绍预算的定义、预算对我们的用处以及制作预算的具体步骤，教会读者合理规划钱财。 【详解】1．根据第一段中“Making a budget is the best way to take control of your money.”可知，制定预算是管控钱财最好的方式，对应B选项“更好地管理我们的钱”。其余选项都只是预算其中一个小作用，并非核心目的。 2．根据第三段中“It makes it much easier to save up for more expensive things like new trainers or a bike.”以及第五段中“You budget will help you see how much you can afford to save each week and how long it will take to reach your goal.”可知，预算能帮你存钱买下重要、心仪的物品，对应D选项“负担得起必要或重要的东西”。 3．①段解释预算的含义，对应a“What is a budget?”；②段讲述预算对人的帮助，对应c“How can a budget help me?”；③段讲解动笔记录收支制作预算的步骤，对应b“How do I make a budget?”，匹配顺序①-a ②-c ③-b。 4．根据第四段中“Next, write down any money that you spend in your everyday life...This is called your ‘outgoings’.”可知，outgoings指日常生活中花出去的钱，对应D选项“日常开销花费”。 Passage 4 （25-26九年级上·福建福州·期中）Have you often been told that “It’s good to share” since you were kids? The behavior of sharing is good for setting up positive emotional connection (情感连接). Today, sharing takes on more meaning. Technology gives it new meaning—we use it to reduce spending or turn unused resources into income (收入). From car-sharing and home-sharing to pet-sharing, new models meet people’s needs anytime, anywhere. The sharing economy offers quality goods and services at good prices. Whether getting cheap designer clothes online or renting out apartments, both lenders and borrowers can save or make money, and even make new friends. Also, it encourages reuse, reducing waste. But the sharing economy also has problems as it’s developing faster than ongoing supervision (现行监管). Some companies are taking unfair advantage of this situation to increase their share of the market. Besides, the sharing economy is open to misuse of trust (信任). Some people have lost things while renting out their homes, and others have been stolen while sharing rides. Moreover, sharing websites collect personal information, and the technology to protect it still needs improvement. The awareness (意识) of possible risks is low among both service providers and users. However, it’s believed that the sharing economy is increasingly related to our daily lives. It is growing at such a speed that we can only imagine what it will include in the future. What will we share next? How will we share? What kind of society will this sharing take us to? 1．How does the writer begin the passage? A．By giving a reason. B．By asking a question. C．By giving an example. D．By listing numbers. 2．According to Paragraph 3, which of the following are the advantages of the sharing economy? ①make friends with others        ②save or make money ③enjoy quality goods and services at good prices    ④reuse and recycle waste A．①②③ B．①②④ C．①③④ D．②③④ 3．Which of the following is an example of misuse in the sharing economy? A．Renting an apartment to travelers. B．Selling old clothes online. C．Stealing from someone during a ride share. D．Borrowing a car for a short trip. 4．What can be inferred (推断) from the last paragraph? A．The sharing economy has no risks. B．The sharing economy will soon disappear. C．People will stop sharing personal information. D．The sharing economy will keep growing in the future. 5．What’s the main idea of the passage? A．It is about why sharing economy makes us happy. B．It is about how sharing economy helps save money. C．It is about experience and risks of sharing economy. D．It is about growth and problems of sharing economy. 【答案】1．B 2．A 3．C 4．D 5．D 【导语】本文主要介绍共享经济，先从分享的传统意义引入，阐述共享经济带来的各类优势，同时列举它现存的各类问题，最后展望共享经济未来持续发展的趋势。 【详解】1．根据第一段“Have you often been told that ‘It’s good to share’ since you were kids?”可知，作者以提问的方式开篇。 2．根据第三段“The sharing economy offers quality goods and services at good prices. Whether getting cheap designer clothes online or renting out apartments, both lenders and borrowers can save or make money, and even make new friends. Also, it encourages reuse, reducing waste.”可知①②③是选项A包含的三点。 3．根据第五段“Besides, the sharing economy is open to misuse of trust...others have been stolen while sharing rides.”可知，拼车途中偷窃属于滥用共享经济信任的事例。 4．根据第七段“It is growing at such a speed that we can only imagine what it will include in the future.”可知，共享经济在未来会持续发展。 5．根据全文，文章先介绍共享经济的发展与优势，再介绍其现存问题，围绕共享经济的发展与弊端展开，因此选D。 Passage 5 （2026·湖北武汉·模拟预测）More and more young people in China are using apps like Xianyu to buy and sell second-hand goods, such as clothes, books, and electronics. They prefer this flexible (灵活的) trading way to make full use of unused things and meet their daily needs easily. Second-hand trading has become a big hit. There are several reasons for its rise. First, it saves money. Students can buy used textbooks at half price, and fashion lovers can find cheap but fashionable clothes. Second, it is environmentally friendly. Making new products uses many natural resources (资源) and creates pollution. By reusing old things, we reduce waste and help protect our planet. Third, it creates a sharing economy (经济). Things that are no longer needed can find new owners instead of being thrown away. This smart way of living is called “circular (循环的) economy”. ★ The quality of used things is not always good. Sometimes, a “like new” phone may have hidden problems, such as a broken screen. Also, dishonest sellers may cheat buyers by sending fake or broken goods. Without careful checking, buyers can lose money and feel annoyed. Therefore, experts advise people to check product photos carefully, read other buyers’ reviews and always use the app’s official payment system. These effective measures can greatly avoid most common trading risks and protect users’ rights. To trade safely, follow these tips. Always ask the seller for real pictures taken at different views. Compare prices from different sellers. It’s never too careful to make a deal in a quite low price. After receiving the object, check it right away. If something is wrong, get in touch with customer service and ask for a refund (退款). In conclusion, second-hand trading is both money-saving and eco-friendly. When done carefully, it benefits everyone — buyers, sellers, and the Earth. As more young people choose the popular way, our society will become less wasteful and more responsible. 1．Why is second-hand trading good for the environment? A．It creates a flexible trading way. B．It lowers the price of textbooks. C．It reduces waste and saves resources. D．It helps fashion lovers find clothes. 2．Which of the following can be put in ★ ? A．However, second-hand trading also has some risks. B．Besides, it creates a sharing economy and a more wasteful society. C．Most goods are usually in perfect condition with no hidden problems. D．Dishonest sellers never cheat buyers on second-hand trading apps. 3．What can we know from the underlined sentence? A．It’s better to make a deal in off-line markets. B．The sellers sometimes offer low prices to cheat buyers. C．In some buyers’ eyes, high prices mean good quality. D．The sellers always tell the truth about their products. 4．What is the writer’s opinion about second-hand trading? A．People should never buy used goods. B．It doesn’t matter whether people do it or not. C．Though it is good, people must be careful. D．It’s not necessary to worry about its safety. 5．What is the writing purpose of the passage? A．To compare different second-hand trading apps. B．To teach us how to use apps like Xianyu. C．To warn people about the danger of online shopping. D．To introduce popular second-hand trading. 【答案】1．C 2．A 3．B 4．C 5．D 【导语】本文主要讲述了中国年轻人流行使用闲鱼等二手交易平台买卖二手商品的现象，介绍了二手交易兴起的原因、存在的风险以及安全交易的建议。 【详解】1．第二段指出二手交易的环保优势：“Making new products uses many natural resources and creates pollution. By reusing old things, we reduce waste and help protect our planet”，这直接说明二手交易减少浪费、节约资源，对环境有益。 2．第三段空格后的内容开始说明二手交易的质量问题与卖家欺诈风险，与前一段介绍的优点形成转折，因此“However, second-hand trading also has some risks”起到了承上启下的作用。 3．第四段划线句“It’s never too careful to make a deal in a quite low price”结合上下文的交易风险提示，说明低价交易也需格外谨慎，侧面反映出卖家有时会用低价欺骗买家。 4．最后一段总结作者观点：“second-hand trading is both money-saving and eco-friendly. When done carefully, it benefits everyone”，说明作者认为二手交易虽有好处，但人们交易时必须小心谨慎。 5．全文从二手交易的兴起、优势、风险到安全建议进行了全面介绍，因此写作目的是介绍流行的二手交易现象。 Passage 6 （25-26八年级下·江苏常州·期中）阅读下面短文，从短文后所给的选项中选出可以填入空白处的最佳选项(选项中有两项为多余选项)。 Many people may think of planning as a boring thing, but in fact it’s one of the most useful skills we should learn. As the saying goes, “If you fail to plan, you are planning to fail.” Doing planning means creating a timeline and road map for reaching the goals we’ve set for ourselves. In fact, we all do planning in one way or another and enjoy the benefits (好处) of it in our daily lives, even if we don’t realize it. 1 Planning helps us remember what to do and where to go before we leave. By planning ahead, we can enjoy a much better holiday experience. Planning is also widely used for managing a budget. By making a spending plan, we can check our finances (财力) often and stop ourselves from wasting money on unnecessary things. 2 For some people, planning has become an important part of life. For one thing, whether it’s for studying, working, or realizing dreams, a good plan helps us use time wisely and avoid mistakes. 3 Now you see why planning is so important! To get started, you can write down your goals, break them into small parts, and then start planning how to make them come true. 4 Little by little, your plans will turn your big dreams into real-life achievements! A．A great example of this is when we plan our holidays. B．Planning can also help you make more friends in daily life. C．This helps us save money and balance the budget. D．For another, having a plan makes us deal with accidents without stress (压力). E．You don’t have to make very difficult plans at the very beginning. F．Some people never make any plans before they go on a trip. 【答案】1．A 2．C 3．D 4．E 【导语】本文介绍了规划的重要性，从日常生活、预算管理、学习工作等多个方面阐述了规划带来的好处，并给出了制定计划的简单建议。 【详解】1．前文提到我们在日常生活中都会进行规划并受益，后文具体介绍了规划假期的好处，A选项“A great example of this is when we plan our holidays.”以规划假期为例，承接前文的观点，引出后文的具体说明。 2．前文提到通过制定支出计划，我们可以经常检查财务状况，避免在不必要的事情上浪费钱，C选项“This helps us save money and balance the budget.”点明了制定支出计划的作用，即帮助我们省钱和平衡预算，与前文内容相呼应。 3．前文提到一方面，无论是学习、工作还是实现梦想，好的计划能帮助我们明智地利用时间、避免错误，D选项“For another, having a plan makes us deal with accidents without stress.”以“另一方面”衔接，补充了规划的另一好处，与前文的“For one thing”构成并列关系。 4．前文提到可以写下目标，把它们分解成小部分，然后开始计划如何实现，后文提到一点一点地，计划会把大梦想变成现实成就，E选项“You don’t have to make very difficult plans at the very beginning.”建议一开始不必制定复杂的计划，与前后文的“制定计划的方法”相衔接。 Passage 7 （24-25九年级上·江苏盐城·期末）阅读下面短文，从所给选项中选出能填入空白处的最佳选项，使短文通顺，结构完整， 其中有一项是多余选项。 Are you good at shopping? Can you make the best of your money? 1 They say I am smart because I always make the best of my money and buy the most suitable things. Here is the way I do the shopping. I never buy too many things. 2 I write down what I need and buy them one by one. I never say “ 3 ” I buy something only because I need it, not because it’s cheap. So don’t waste any money on cheap things. 4 I know how much money I can use to buy the things every time. I know money doesn’t grow on trees. I seldom spend more than the plan. I usually go shopping at the right place and the right time. I dislike to go to shops with too many people. Too many people around me often make me spend more. And I don’t go shopping when I’m tired or hungry, so I don’t buy things in a hurry. 5 Do you want to be a smarter shopper? Try my ways! A．I always make a plan. B．It is so cheap. I will buy it. C．I can make the best use of my money. D．People often call me a smart shopper. E．I usually make a shopping list when I go shopping. F．I go shopping after meals because walking helps me digest (消化) the food too. 【答案】1．D 2．E 3．B 4．A 5．F 【导语】本文主要介绍了作者作为一个精明购物者的一些购物方式。 【详解】1．根据“They say I am smart because I always make the best of my money and buy the most suitable things.”可知，此处应是引出别人对作者购物方式的评价，选项D“人们经常称我为聪明的购物者。”符合语境。故选D。 2．根据“I write down what I need and buy them one by one.”可知，此处应是说购物前会列清单，选项E“我通常在购物时列一个购物清单。”符合语境。故选E。 3．根据“I buy something only because I need it, not because it’s cheap. So don’t waste any money on cheap things.”可知，此处应是说不会因为便宜而买不需要的东西，选项B“它太便宜了。我会买的。”符合语境。故选B。 4．根据“I know how much money I can use to buy the things every time. I know money doesn’t grow on trees. I seldom spend more than the plan.”可知，此处应是说购物前会做计划，选项A“我总是制定一个计划。”符合语境。故选A。 5．根据“And I don’t go shopping when I’m tired or hungry, so I don’t buy things in a hurry.”可知，此处应是说购物时间的选择，选项F“我饭后去购物，因为散步也有助于我消化食物。”符合语境。故选F。 Passage 8 （2023·山东济南·一模）根据短文内容，从短文后的选项中选出能填入空白处的最佳选项。选项中有两项为多余选项。 Have you ever considered the way you spend your money? What do you buy? When do you buy? It is important to use your money wisely. Then, you will have enough for the things you want. You can make smart decisions about your money. 1 One way to be smart with your money is to shop around before you buy. Visit more than one store, check the prices at each store, and try not to be in a hurry to buy. You do not have to buy at the first store you visit; another store might have what you want at a lower price. 2 Another way to be smart with your money is to wait for a sale. 3 For example, suppose you want to buy a camera. Wait until a store has a sale. You can save 20 percent, 30 percent, or more on the price of the camera by waiting for a sale. Some stores also offer a discount if you buy more than one of an item. So, look for sales offering a lower price per item if you buy two of that item. You could save money. 4 For instance, large bags of dog food usually cost less per pound than small bags cost. A large pack of pens usually costs less per pen than a small pack of pens. So, even though you may spend more on a large size, you are really saving money per item. You can learn to be smart with your money. 5 You cannot always have what you want right away. But if you are patient, you will save money. Then, you will have more money to spend on what you want. A．Many stores offer special discounts. B．It is not a good idea to wait for a sale. C．All it takes is some careful, smart thinking. D．Being careful with money is wise. E．It takes some practice, and it takes patience. F．You can even check online and compare prices. G．You can also use your money wisely by buying larger sizes of things. 【答案】1．C 2．F 3．A 4．G 5．E 【导语】本文介绍了一些明智的理财方法。 【详解】1．根据上文“You can make smart decisions about your money.”可知，人们可以在金钱方面做出明智的决定，再结合下文具体的理财方法可知，此空应给出怎么做决定的总的方法，选项C“所需要的只是一些谨慎、聪明的思考”符合语境。故选C。 2．根据上文“Visit more than one store, check the prices at each store…”可知，此段教人们购买东西时要货比三家，选项F“你甚至可以在线查看和比较价格”属于货比三家的方法。故选F。 3．根据上文“Another way to be smart with your money is to wait for a sale.”可知，另一种精明理财的方法是等待降价，也就是等商店提供折扣，选项A“许多商店提供特别折扣”符合语境。故选A。 4．根据下文“So, even though you may spend more on a large size, you are really saving money per item.”可知，买量大的商品看似花了更多的钱，但是平均下来人们在每个小商品上其实是省了钱的，由此可知作者在此段建议人们要买量大的商品，选项G“你也可以明智地使用你的钱，买量更大的东西”符合语境。故选G。 5．根据下文“But if you are patient, you will save money.”可知，作者强调了要省钱就要有耐心，由此可知此空作者提出了理财需要有耐心的观点，选项E“这需要练习，也需要耐心”符合语境。故选E。 2 原创精品资源学科网独家享有版权，侵权必究！ 2 / 23 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $