Unit 2 On the money 阅读表达（热点题型专练）英语新教材外研版九年级上册

**基本信息** 聚焦阅读表达题型，以“明智支配金钱”为话题，构建“三步解题法+注意事项”方法体系，按基础巩固到培优拔高梯度设计，强化语言理解与表达能力及理性消费思维。 **专项设计** |模块|题量/典例|方法提炼|知识逻辑| |----|-----------|----------|----------| |热点题型概览|方法总结+注意事项|先看问题再读文—细读推敲信息词—复读验证答案；强调答题有据、区分正确与最佳答案|从题型特征到解题策略，构建“审题-精读-验证”闭环| |题型夯基提升|巩固基础7篇+培优拔高11篇，涵盖事实细节、推理判断、开放问答|通过分层训练落实方法，基础篇侧重信息定位，拔高篇强化综合分析与表达|围绕“金钱管理”主题，从基础认知（支付方式、零花钱规划）到高阶应用（数字消费、家庭财政），形成“认知-方法-实践”逻辑链|

Unit 2 On the money 阅读表达题型专练（话题：明智支配金钱） 热点题型概览 阅读表达 阅读表达所提的问题中,一般疑问句的提问方式频率很低,有时完全删掉,“wh-疑问词”开头的特殊疑问句越来越多,意味着对文章理解要求越来越高。复习备考中,考生要切实提高阅读理解能力和表达能力。平时练习中要通过精读完全理解文章。 1. 先看问题，再读文章：把握主题，确定方向，摘取有用的材料，舍弃无关的信息，高效省时。 2. 细读全文，认真推敲：细心阅读与试题有的词汇、句子或段落，要特别留心一些信息词。 3. 复读全文，验证答案：在找到答案后，应将答案带入问题中，检查有无矛盾，若前后不一致或意思矛盾，则要考虑重选答案。 注意事项 1. 答题有据，避免主观。 2. 符合原文的答案 ＝ 正确答案 ≠ 最佳答案 3. 解题有法，但无定法，贵在得法。要答好阅读理解题，必须多读、巧读和善于思考。要不断扩大词汇量，拓宽阅读面，提高阅读速度，同时也要探索和总结适合自己方法或，实践出真知，多练出效益。 题型夯基提升 巩固基础·专项突破 Passage 1 Money is very important in our life. We use money to buy food, clothes, books and other things we need. But do you know how to use money wisely? Long ago, people did not use money. They traded goods directly. For example, they used a cow to trade for some sheep. Later, people began to use shell money, metal coins and paper money. Today, we have many new ways to pay. We can pay in cash, by credit card, or by mobile phone. It is very convenient for us to pay everywhere in China. As students, we have pocket money from parents or relatives. But many students don’t know how to manage it well. They spend too much money on snacks, toys or games. They often buy things they don’t need. That’s not a good habit. Here are some good ways to save money and manage pocket money. First, make a shopping list before you go shopping. Don’t buy anything that is not on the list. Second, save a little money every week or every month. You can put it in a piggy bank or a bank. Third, cut down unnecessary expenses. Don’t eat out too often. Try to eat at home. Turn off the lights when you leave the room to save electricity. Saving money is a good life skill. It helps us learn to be patient and careful with money. It also helps us get ready for the future. If we have a good plan for pocket money, we will not waste money. We can use money to do more useful things, like buying books, helping others or traveling. All in all, money is important, but using money wisely is more important. Let’s learn to save money and make good plans for our pocket money. 根据短文内容，回答下列问题： 1．Is money very important in our life? 2．What did people use to trade long ago before they used money? 3．What are the new payment ways we have today? 4．How many good ways to save money does the passage tell us? What are they? 5．What will you do to save your pocket money? (开放性题目) Passage 2 Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，将答案填写在横线上。 1．How do we start learning to manage money at an early age? 2．According to the passage, where does money come from? 3．What should we do if our pocket money can’t cover everything we want? 4．What will greatly satisfy us according to Paragraph 3? 5．What do you think of money? (请用完整的一句话回答。) Passage 3 阅读下面短文，根据短文内容回答下列问题。注意：每题答案不得超过10个词。 My Journey to Independence When I was in Grade 6, I depended on my parents for everything—choosing clothes, packing lunch, even deciding what to watch on TV. But in Grade 7, my school started a “Life Skills” program. We learned to cook simple meals, manage money, and plan our time. At first, I failed at cooking. I burned rice and forgot ingredients. But I kept trying. Now, I can make tomato and egg stir-fry—a favorite in my family! I also started managing my allowance (零花钱). I divide it into three parts: spending, saving, and sharing. I save for books and donate to animal shelters. Most importantly, I’ve learned to make decisions. Last month, I chose to join the robotics club instead of the art club, even though my best friend was in art. It was hard, but I followed my interest in science. Independence doesn’t mean doing everything alone. It means knowing when to ask for help and when to try by yourself. 1．What did the writer depend on parents for in Grade 6? 2．What did the writer learn in the “Life Skills” program? 3．What can the writer cook now? 4．How does the writer use his/her allowance? 5．What does independence really mean according to the writer? Passage 4 Kids in a Cashless World: Are We Losing the Feel of Real Money? Not too long ago, saving money meant putting coins into a piggy bank or hiding notes in a secret place. Buying snacks meant handing over real cash and feeling every cent you spent. But in today’s world, money doesn’t jingle (叮当) or crinkle (起皱)—it clicks. For many kids, digital payments are becoming part of everyday life. With smartphones or cards, it’s common to buy things without cash. According to NewsHour, about half of kids aged 10 to 12 own a smartphone. Some families are using apps to help kids manage money. Digital money is easy to carry, and you don’t have to worry about losing notes or carrying coins. But when money becomes just numbers on a screen, it can feel less real. And when money doesn’t feel real, it’s easier to spend too much without thinking. Scientists say that kids learn best through hands-on experiences. When you count change or hand over cash, you understand its value more clearly. It feels like something you’re giving up. But when you buy something online or tap your phone, nothing feels like it’s missing. That small difference can change the way kids think about money. Still, many kids are learning how to manage money in this new digital world. When NewsHour asked students questions about money, one kid quickly answered that there are 15 quarters in $3.75. Even without using coins, some kids are excellent at money maths. But managing money isn’t just about maths—it’s also about habits (习惯). To help kids form good habits, many parents use tools to give their children money for doing chores. These tools help kids divide (分开) their money into “spend”, “save”, and “give”, and let parents keep an eye on how the money is used. Some apps also teach lessons about saving and investing (投资). Schools are also taking part, offering classes on money management. Talking about money at home is just as important. Whether using cash or cards, learning how to plan for spending and save for future goals helps kids feel confident with money. Living in a cashless world isn’t a bad thing, but it means kids need new skills. With the right support from parents, teachers, and technology, they can grow up to be financially (经济上) smart—even without ever carrying a coin. 1．What did saving money mean not too long ago? 2．What are the advantages of digital money mentioned in the passage? 3．How can kids understand the value of money more clearly according to scientists? 4．What will you do to manage money in a cashless society? (Give two examples.) Passage 5 When Peter was six, he started receiving pocket money from his mother. When he turned seven, he got 7 yuan a week. Now at the age of fifteen, he is given 15 yuan every week. He has the raise in pocket money because he spends money properly. At weekends, he watches exciting movies with his friends. Sometimes, he takes one hour’s bus ride to museums and zoos in another town with his cousin. He brings small presents for his grandparents when he visits them. When he has saved enough money, Peter likes to buy great books such as science books and history books. His mother is satisfied with him. She thinks it is a smart choice to give Peter pocket money.“This habit can help Peter manage money well,” she says. Peter’s mother suggests giving pocket money to children as early as possible. She thinks it is good for children to learn how to deal with money. 根据短文内容回答问题。 1．Why does Peter get more pocket money year by year? 2．What does Peter like to buy when he has saved enough money? 3．About using pocket money, is Peter’s mother satisfied with him or not? 4．According to Peter’s mother, what can giving children pocket money help them do? Passage 6 Recently, a story from China went popular online. A father had a special way to give his 18-year-old daughter her college pocket money. The daughter was leaving home for college for the first time. Her father gave her 2,000 yuan a month, but not all at once. He sent some money at the start, middle and end of the month separately. If she contacted her family every day, she could get an extra 500-yuan bonus. The father did this to help his daughter learn to manage money, so she wouldn’t spend all of it right away. This story tells us that managing pocket money is a useful life skill. Here are some easy tips: First, use the “split method”. Divide your monthly allowance into four parts for each week, so you won’t run out of money early. What’s more, make a simple spending plan. Before buying things, ask yourself if you “need” or just “want” them. Needs are necessary things like lunch and bus tickets, while wants are extra things like games or snacks. Finally, don’t forget to save a little money every week. You can save for something you really want. When you buy it with your own saved money, it feels amazing. Managing money helps you become more independent, which is a wonderful feeling. 1．Why did the father give his daughter’s pocket money in parts? 2．How much monthly pocket money did the father give his daughter? 3．How many tips are mentioned in the passage? 4．According to the passage, what is the difference between “needs” and “wants”? 5．What does the writer think of managing money? Passage 7 Read the passage below and answer the following questions （根据文章内容回答下列问题） Last month, the Grade Eight students in Garden School had a debate on the topic “Is it a good idea for parents to talk about the family finances (家庭财政) with their kids?”. Here are some opinions from Lisa, one of the students who thinks it is a good idea. Most parents believe it is not proper to tell their kids about how much they make and how much they spend, so most families don’t talk about money with their kids. They basically feel it is not their concern. You could easily agree. But is it really none of our business? Doesn’t our parents’ income (收入) affect us? They use the money to pay for food, clothing and shelter. If they lost their jobs and became unemployed, wouldn’t that affect us, too? I’m not going to say parents should show their kids every bill before paying it or that they should ask their kids for advice on big financial decisions, but I will say they should keep kids involved and informed. It is part of teaching them about money and life. Kids follow their parents’ every move and learn from them. Parents have to teach their kids about money because kids don’t learn it in school. As a parent, it’s necessary to teach them about saving, investing and staying away from credit (赊欠). Also, parents have to manage their own money well if they really want to set an example. So I think it’s a good idea for parents to talk about the family finances with their kids. Tell them how much your salary is. It might help them decide which career to choose. Tell them how you spend your own money and talk to them before you make big purchases such as a new car. Include them in the process so that they know how it works and are satisfied with it. You can include them more and more as they get older. Don’t make money a taboo (禁忌) issue in your home. 1．Most families don’t talk about money with their kids, do they? 2．What was the debate about? 3．According to Lisa, what do parents use money to do? 4．What does Lisa mean by saying “Is it really none of our business”? 5．Do you want your parents to talk about family finances with you? Why or why not? Please give at least two reasons. 培优拔高·挑战攻坚 Passage 1 （26-27九年级上·全国·单元测试）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 how to save or spend money well. 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. 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. In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in the right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and deal with money wisely step by step! 1．How do we start learning to manage money at an early age? 2．According to the passage, where does money come from? 3．What should we do if our pocket money can’t cover everything we want? 4．What do you think of money？Write 30 words or more. Passage 2 （2026·山东聊城·二模） Ecotourism: Travel That Protects Nature Ecotourism is a special way of traveling that helps protect our planet. Unlike traditional tourism, it includes visiting beautiful natural places without harming them. These places are often areas like rainforests or mountains. They are under the protection of local governments. The main goal of ecotourism is to keep nature safe for a long time. This means we should protect nature so that future generations can enjoy it, too. In an eco-friendly area, buildings fit in with the environment, food is bought from local farmers, and waste is carefully managed. For many developing countries, ecotourism can help them make money while saving their natural treasures. Instead of cutting down rainforests for wood, countries can make money by showing tourists the natural beauty. This way, all sides benefit. The country makes money, and the nature stays protected. Ecotourism has many advantages for local people. It creates jobs for them, such as park rangers, cooks, or wildlife guides. These jobs often pay better than farming. Many learn new skills and can support their families better than before. However, there are some problems. Sometimes, locals are used for cheap labor (廉价劳动力). Big companies often keep most of the money, while local people make very little. Also, locals might lose their traditional way of life. Moreover, building hotels and roads can be harmful to the environment if not planned carefully. In short, ecotourism aims to help both people and the planet. It teaches us to ________. When done correctly, it is a win-win situation for everyone. 1．What does ecotourism include? 2．What is the main goal of ecotourism? 3．How can ecotourism help developing countries make money, according to Paragraph 3? 4．Ecotourism can cause some problems. Please list one problem. (言之有理即可) 5．Complete the sentence in Paragraph 6 with proper words. Passage 3 （2026·辽宁盘锦·一模）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 that 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 decide 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 satisfy (满足) us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account 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 the 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．Why is it a great way for children to visit their parents’ workplaces to watch how they work? 2．What are the two steps to create a budget? 3．How can we save money for a new bicycle? 4．If your parents give you 300 yuan during the Chinese New Year, what will you do with it? Passage 4 （2025·广西柳州·三模）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 how to save or spend money well. 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. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，每空单词数不限，将答案填写在答题卡对应的横线上。 1．How do we start learning to manage money at an early age? 2．According to the passage, where does money come from? 3．What should we do if our pocket money can’t cover everything we want? 4．What will greatly satisfy us according to Paragraph 4? 5．What do you think of money? (请用完整的一句话回答。) Passage 5 （2023·山西·一模）请阅读下面的非连续性文本，根据语篇内容，回答问题，并将答案写在答题卡相应的位置上。 You must often get pocket money (零用钱) from your parents. How do you deal with it? Do you buy anything you like with it? For example, you may want to get a mobile phone, a video game, or some great books. However, sometimes, you just find out you don’t have enough money. Then it might be time for you to start saving some money. But how can you make it? ·Tip One: Spend your pocket money wisely. A lot of children have pocket money. However, they’re not wise enough to spend their pocket money on the things they exactly need. Most children hardly spend their money on school things. Some of them even pay much money for a smartphone in order to play games on it. ·Tip Two: Find a way that works for you to save. Mr. Woods: Get a piggy bank if you want to keep your money at home. It doesn’t have to be a real piggy bank. You can use an old shoebox. The point is just to have something that you can put your money into. Ms. Miller: If you don’t trust yourself enough to manage your own money, ask someone you can trust to hold your money for you. Just make sure you tell them not to give in if you ask them for some money. ·Tip Three: Fight the thoughts to spend. √ If you want something, you should make sure whether it is necessary for you first. √ Wait a week. Then you may not want to buy it. √ Make a shopping budget (预算) and stick to it strictly. √ Put your energy in meaningful things, like reading books. ·Tip Four: ________ You can make money by selling the unwanted clothes, toys, and other things lying around your room. This is a good way of making money. At the same time, these things can be reused. Anyway, saving money is not that easy. But it can help you understand making money is even harder. After all, “No pains, no gains.” 1．According to Paragraph 1, what may children want to buy? 2．Mary spent 1,000 yuan of her pocket money in 2022. How much did she spend on junk food? How can she spend her money more wisely in 2023? 3．From Ms. Miller’s words, who can be the best person to hold money for you? 4．Why should you wait for a week before deciding to buy something? 5．What is the best subtitle (小标题) of Tip Four? 6．（开放性设问）In your daily life, what do you usually do to save money? How should we spend money more meaningfully? Passage 6 （2023·上海金山·一模）Last month, the Grade Nine students in Garden School had a debate(辩论) on the topic “Is it a good idea for parents to talk about the family finances(家庭财政) with their kids?”. Here are some opinions from Lisa, one of the students who thinks it is a good idea. Most parents believe it is not proper to tell their kids about how much they make and how much they spend, so most families don’t talk about money with their kids. They basically feel it is not their concern. You could easily agree. But is it really none of our business? Doesn’t our parents’ income(收入) affect us? They use the money to pay for food, clothing and shelter. If they lost their jobs and became unemployed, wouldn’t that affect us, too? I’m not going to say parents should show their kids every bill before paying it or that they should ask their kids for advice on big financial decisions, but I will say they should keep kids involved and informed. It is part of teaching them about money and life. Kids follow their parents’ every move and learn from them. Parents have to teach their kids about money because kids don’t learn it in school. As a parent, it’s necessary to teach them about saving, investing and staying away from credit(赊欠). Also, parents have to manage their own money well if they really want to set an example. So I think it’s a good idea for parents to talk about the family finances with their kids. Tell them how much your salary is. It might help them decide which career to choose. Tell them how you spend your own money and talk to them before you make big purchases such as a new car. Include them in the process so that they know how it works and are satisfied with it. You can include them more and more as they get older. Don’t make money a taboo(禁忌) issue in your home. 1．Most families talk about money with their kids, don’t they? 2．When did the Grade Nine students in Garden School have a debate? 3．According to Lisa, what do parents use money to do? 4．Why do parents have to teach their kids about money? 5．What does Lisa mean by saying “Is it really none of our business”? 6．Do you want your parents to talk about family finances with you? Why or why not? Please give at least two reasons. Passage 7 （2026·重庆·一模）阅读下文并回答问题。 Tom—2 days agoOne day, I found my pocket money had run out again—by the third week, as usual. I had no idea where it had gone. So I decided to change. I divided my money into three parts: 70% for spending, 25% for saving, and 5% for giving. At the beginning of each month, I put the money into three small boxes and only took money from the “spending box”. Week by week, my “saving box” has slowly filled up. Sometimes I use my “giving box” to buy gifts for my family or even things for people in need. It makes me feel warm inside. Making a plan really makes a difference. Mia—3 days ago I used to buy whatever caught my eye—colorful snacks, sugared drinks and small toys. One day, when I was about to buy another beautiful notebook, my friend asked me, “Do you really need it or just want it?” That question stopped me. I realized many things I had bought were just “wants”! So I put the notebook back. Back home, I found many things I hardly used and gave them away to a local children’s home with Mom’s help. I was happy to realize I could help. Now, before I buy anything, I ask myself, “Do I really need it?” I feel I am becoming more thoughtful about how to use my money. Annie—5 days agoLast winter vacation, I bought my mom a wool sweater for her birthday. It was quite expensive, and I felt proud because I earned the money myself! I started by selling old storybooks online. Then I offered to walk my neighbors’ dogs—ten yuan each time. Because of my good service, more neighbors came to me. Some even asked for in-home pet care while they traveled. I also helped my aunt sell handmade “tanghulu” at a night market. It was not easy but fun. After buying the sweater, I saved the rest of the money. When I saw my mom’s happy tears, I understood that money comes from hard work—and love makes it meaningful. 1．Did Tom run out of pocket money quickly in the past? 2．What did Mia give away to a local children’s home? 3．What common lesson have the three students learned from their experiences? 4．Whose way of managing money do you want to try? Why? Choose one to talk about. (about 30 words) Passage 8 （25-26九年级上·北京·阶段检测）阅读表达 Kids in a Cashless World: Are We Losing the Feel of Real Money? Not too long ago, saving money meant putting coins into a piggy bank or hiding notes in a secret place. Buying snacks meant handing over real cash and feeling every cent you spent. But in today’s world, money doesn’t jingle (叮当) or crinkle (起皱)—it clicks. For many kids, digital payments are becoming part of everyday life. With smartphones or cards, it’s common to buy things without cash. According to News Hour, about half of kids aged 10 to 12 own a smartphone. Some families are using apps to help kids manage money. Digital money is easy to carry, and you don’t have to worry about losing notes or carrying coins. But when money becomes just numbers on a screen, it can feel less real. And when money doesn’t feel real, it’s easier to spend too much without thinking. Scientists say that kids learn best through hands-on experiences. When you count change or hand over cash, you understand its value more clearly. It feels like something you’re giving up. But when you buy something online or tap your phone, nothing feels like it’s missing. That small difference can change the way kids think about money. Still, many kids are learning how to manage money in this new digital world. When News Hour asked students questions about money, one kid quickly answered that there are 15 quarters in $3.75. Even without using coins, some kids are excellent at money maths. But managing money isn’t just about maths—it’s also about habits (习惯). To help kids form good habits, many parents use tools to give their children money for doing chores. These tools help kids divide (分开) their money into “spend”, “save”, and “give”, and let parents keep an eye on how the money is used. Some apps also teach lessons about saving and investing (投资). Schools are also taking part, offering classes on money management. Talking about money at home is just as important. Whether using cash or cards, learning how to plan for spending and save for future goals helps kids feel confident with money. Living in a cashless world isn’t a bad thing, but it means kids need new skills. With the right support from parents, teachers, and technology, they can grow up to be financially (经济上) smart—even without ever carrying a coin. 1．What did saving money mean not too long ago? 2．What are the advantages of digital money mentioned in the passage? 3．Why do parents use tools to give their children money for doing chores? 4．Do you think it is necessary for you to learn how to manage money in a cashless society? Why or why not? (Give two reasons.) Passage 9 （25-26九年级上·北京延庆·期中）阅读短文，根据内容回答问题。 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 satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with 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．What is a great way to understand that money is not easy to make? 2．What do we need to think about when making a budget? 3．How can we watch our money grow when saving for a new bicycle? 4．Do you have good spending habits? How can we form good spending habits? (Please give two ways.) Passage 10 （2025·北京门头沟·一模）阅读短文，根据短文内容回答问题。 Have you ever wondered why your pocket money runs out so quickly? Have you ever regretted spending your birthday money on snacks or online games when you could have saved up to buy something you really wanted instead? If so, making a budget is a great way to take control of your money. To put it simply, a budget is a plan that helps us decide how to earn (挣钱), save and spend our money. Making a budget can help you to stretch (延长使用) your money further, so it’s easier to save up for more expensive items like a computer, new trainers or a bike. It’s a good idea to make a budget now because it’ll help you manage your money better and be ready for bigger expenses in the future. Some people don’t make a budget because they think it’s too much trouble or they don’t see the point. They feel it’s hard to keep a record of every cent, or they believe they can control their money without a plan. But without a budget, it’s easy to lose track of your spending. You might spend all your pocket money on snacks and have nothing left for the new book you want. Or you might buy lots of little things you don’t really need, instead of saving for something important. To start making a budget, pick up a pen and paper. First, write down the money you earn. This could be your pocket money, plus anything extra that you earn for helping out with small tasks. This is your “income (收入)”. Next, write down the money you spend regularly. Maybe you buy snacks every day after school or new clothes each month. This is called your “outgoings (支出)”. 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. You might then decide to spend less on snacks so that you can save a little extra. Or think about ways that you could earn a little more so that you can reach your goal faster. 1．What is a great way to take control of your money? 2．Why is it a good idea to make a budget now? 3．What will you see when you subtract your outgoings from your income? 4．Would you like to make your budget? Why or why not? (Please give at least two reasons.) Passage 11 （2024·北京西城·三模）阅读短文，根据短文内容回答问题。 Parents and children often 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 (善于理财的) kid, who’ll grow up to be an adult wise in their money use.” says financial (金融的) planner Peg Eddy. The key is letting kids learn by having a little money of their own. The Tidler family in Denver found the best way to teach about money was to let their kids earn some. Their son, Ryan has made $7,800 by helping with his parents’ garden. Besides, he bought a bike and a wonderful sound system. And he is going to buy a car next year. Ryan has come to see the value in making his own money even when other kids are given money by their parents. Learn Now, Save Later Money skills are an important part of becoming a successful adult. David Brady, another financial planner, says, “Young people today will have much more responsibility for their financial future than their parents or grandparents.” Experts say, knowing how to manage 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. It also means thinking of others, by making donations to charity (慈善). Brady does remind kids. “They shouldn’t be thinking about money all the time,” he says. However, they should understand basic rules for earning, saving and investing (投资). That knowledge is greatly needed. Over the past years, the average credit card debt (债务) of Americans ages 18 to 24 doubled, to nearly $3,000. Among high school students, four out of five have never taken a personal finance class. Talking About It Many kids want to learn how to manage their money. But parents think only about what kids shouldn’t do. They argue that kids are young and inexperienced, they may easily get in debt if they manage their own money. Giselle Lopez, 17, of New York City, learned the hard way. She was over $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 strict rules. When children like Ryan and Giselle have their own money to consider, they can learn to set those rules themselves. 1．What is the goal of most kids about money? 2．How has Ryan made $7,800? 3．How much was Giselle Lopez in debt on her first credit card? 4．Is it a good idea for kids to learn to manage their money? Why or why not? (Please give at least 2 reasons) ( 1 / 13 ) 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $ Unit 2 On the money 阅读表达题型专练（话题：明智支配金钱） 热点题型概览 阅读表达 阅读表达所提的问题中,一般疑问句的提问方式频率很低,有时完全删掉,“wh-疑问词”开头的特殊疑问句越来越多,意味着对文章理解要求越来越高。复习备考中,考生要切实提高阅读理解能力和表达能力。平时练习中要通过精读完全理解文章。 1. 先看问题，再读文章：把握主题，确定方向，摘取有用的材料，舍弃无关的信息，高效省时。 2. 细读全文，认真推敲：细心阅读与试题有的词汇、句子或段落，要特别留心一些信息词。 3. 复读全文，验证答案：在找到答案后，应将答案带入问题中，检查有无矛盾，若前后不一致或意思矛盾，则要考虑重选答案。 注意事项 1. 答题有据，避免主观。 2. 符合原文的答案 ＝ 正确答案 ≠ 最佳答案 3. 解题有法，但无定法，贵在得法。要答好阅读理解题，必须多读、巧读和善于思考。要不断扩大词汇量，拓宽阅读面，提高阅读速度，同时也要探索和总结适合自己方法或，实践出真知，多练出效益。 题型夯基提升 巩固基础·专项突破 Passage 1 Money is very important in our life. We use money to buy food, clothes, books and other things we need. But do you know how to use money wisely? Long ago, people did not use money. They traded goods directly. For example, they used a cow to trade for some sheep. Later, people began to use shell money, metal coins and paper money. Today, we have many new ways to pay. We can pay in cash, by credit card, or by mobile phone. It is very convenient for us to pay everywhere in China. As students, we have pocket money from parents or relatives. But many students don’t know how to manage it well. They spend too much money on snacks, toys or games. They often buy things they don’t need. That’s not a good habit. Here are some good ways to save money and manage pocket money. First, make a shopping list before you go shopping. Don’t buy anything that is not on the list. Second, save a little money every week or every month. You can put it in a piggy bank or a bank. Third, cut down unnecessary expenses. Don’t eat out too often. Try to eat at home. Turn off the lights when you leave the room to save electricity. Saving money is a good life skill. It helps us learn to be patient and careful with money. It also helps us get ready for the future. If we have a good plan for pocket money, we will not waste money. We can use money to do more useful things, like buying books, helping others or traveling. All in all, money is important, but using money wisely is more important. Let’s learn to save money and make good plans for our pocket money. 根据短文内容，回答下列问题： 1．Is money very important in our life? 2．What did people use to trade long ago before they used money? 3．What are the new payment ways we have today? 4．How many good ways to save money does the passage tell us? What are they? 5．What will you do to save your pocket money? (开放性题目) 【答案】1．Yes, it is. 2．They traded goods directly. / They used things like a cow to trade for some sheep. 3．We can pay in cash, by credit card, or by mobile phone. 4．Three. They are making a shopping list, saving a little money regularly, and cutting down unnecessary expenses. 5．I will make a shopping list before shopping and save some money every week.（答案合理即可） 【导语】本文主要介绍了金钱在生活中的重要性，回顾了从物物交换到现代支付方式的发展历史，分析了学生管理零用钱的现状，并给出了具体实用的省钱建议。 1．第一段首句明确指出：“Money is very important in our life.”。文中通过这一陈述直接肯定了金钱在生活中的重要地位，故作肯定回答。 2．第二段前两句描述了古代的贸易方式：“Long ago, people did not use money. They traded goods directly.”。随后文中以牛换羊为例，说明了在货币出现之前人们通过直接交换货品来进行贸易。 3．第二段末尾介绍了现代社会的支付手段：“We can pay in cash, by credit card, or by mobile phone.”。文中直接列举了现金、信用卡以及手机支付这三种当前的支付方式。 4．第四段通过序数词标志清晰地列出了三条建议：“First, make a shopping list…Second, save a little money…Third, cut down unnecessary expenses.”。综合这些信息可知，文中一共提到了三种方法，即列购物清单、定期存钱以及缩减不必要的开支。 5．本题是开放性试题，答案不唯一。可以参考第四段中提到的科学理财做法，如“make a shopping list before you go shopping”或“save a little money every week”，只要表达出合理的存钱计划，语言通顺即可。 Passage 2 Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，将答案填写在横线上。 1．How do we start learning to manage money at an early age? 2．According to the passage, where does money come from? 3．What should we do if our pocket money can’t cover everything we want? 4．What will greatly satisfy us according to Paragraph 3? 5．What do you think of money? (请用完整的一句话回答。) 【答案】1．We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits. 2．Money comes from parents’ hard work. /From parents’ hard work. 3．We should make smart spending choices. 4．Reaching our goal will greatly satisfy us. 5．I think that money is very important/useful/... for me. 【导语】本文是一篇说明文，主要讲述了如何从小培养良好的金钱管理习惯，包括理解金钱的来源、制定预算、设定储蓄目标以及与父母沟通学习金钱的使用等。 1．答案是直接信息题，语篇最后一段提到“learning about money isn’t a hard job. From these lessons, we can get a sense of money management”，结合前文提及的观察父母消费等方式，题干询问“how to start learning to manage money”，对应答案“We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits.”，因此答案是直接信息题。 2．答案是直接信息题，语篇第一段明确说明“We need to know that our parents work hard to make money”，题干询问“where does money come from”，对应答案“Money comes from parents’ hard work. /From parents’ hard work.”，因此答案是直接信息题。   3．答案是直接信息题，语篇第二段提到“Realising that our pocket money can’t cover everything we want, we should make smart spending choices.”，题干与该句表述高度对应，直接提取答案“We should make smart spending choices.”，因此答案是直接信息题。 4．答案是直接信息题，语篇第三段末尾明确指出“Reaching our goal will greatly satisfy us.”，题干直接询问该句内容，直接提取答案，因此答案是直接信息题。 5．答案是观点表达题，题干要求用完整一句话表达对金钱的看法，答案为开放性表述，核心是体现对金钱的正确认知，示例“I think that money is very important/useful for me.”符合题干要求，因此答案是观点表达题。     Passage 3 阅读下面短文，根据短文内容回答下列问题。注意：每题答案不得超过10个词。 My Journey to Independence When I was in Grade 6, I depended on my parents for everything—choosing clothes, packing lunch, even deciding what to watch on TV. But in Grade 7, my school started a “Life Skills” program. We learned to cook simple meals, manage money, and plan our time. At first, I failed at cooking. I burned rice and forgot ingredients. But I kept trying. Now, I can make tomato and egg stir-fry—a favorite in my family! I also started managing my allowance (零花钱). I divide it into three parts: spending, saving, and sharing. I save for books and donate to animal shelters. Most importantly, I’ve learned to make decisions. Last month, I chose to join the robotics club instead of the art club, even though my best friend was in art. It was hard, but I followed my interest in science. Independence doesn’t mean doing everything alone. It means knowing when to ask for help and when to try by yourself. 1．What did the writer depend on parents for in Grade 6? 2．What did the writer learn in the “Life Skills” program? 3．What can the writer cook now? 4．How does the writer use his/her allowance? 5．What does independence really mean according to the writer? 【答案】1．Everything (clothes, lunch, TV choice). 2．To cook, manage money, plan time. 3．Tomato and egg stir-fry. 4．Spend, save, share (donate to shelters). 5．Know when to ask for help/try alone. 【导语】本文主要介绍了作者从六年级事事依赖父母，到七年级通过学校的“生活技能”项目，逐渐学会做饭、管理零花钱、自主做决定的独立成长过程，并阐述了对独立的理解。 1．根据“When I was in Grade 6, I depended on my parents for everything—choosing clothes, packing lunch, even deciding what to watch on TV.”可知，作者六年级时事事依赖父母。故填Everything (clothes, lunch, TV choice). 2．根据“my school started a ‘Life Skills’ program. We learned to cook simple meals, manage money, and plan our time.”可知，作者在“生活技能”项目中学习了做饭、管理钱财和规划时间。故填To cook, manage money, plan time. 3．根据“Now, I can make tomato and egg stir-fry—a favorite in my family!”可知，作者现在会做西红柿炒鸡蛋。故填Tomato and egg stir-fry. 4．根据“I divide it into three parts: spending, saving, and sharing. I save for books and donate to animal shelters.”可知，作者将零花钱用于花费、储蓄和分享 (捐赠给动物收容所)。故填Spend, save, share (donate to shelters). 5．根据“Independence doesn’t mean doing everything alone. It means knowing when to ask for help and when to try by yourself.”可知，作者认为独立是知道何时求助、何时独自尝试。故填Know when to ask for help/try alone. Passage 4 Kids in a Cashless World: Are We Losing the Feel of Real Money? Not too long ago, saving money meant putting coins into a piggy bank or hiding notes in a secret place. Buying snacks meant handing over real cash and feeling every cent you spent. But in today’s world, money doesn’t jingle (叮当) or crinkle (起皱)—it clicks. For many kids, digital payments are becoming part of everyday life. With smartphones or cards, it’s common to buy things without cash. According to NewsHour, about half of kids aged 10 to 12 own a smartphone. Some families are using apps to help kids manage money. Digital money is easy to carry, and you don’t have to worry about losing notes or carrying coins. But when money becomes just numbers on a screen, it can feel less real. And when money doesn’t feel real, it’s easier to spend too much without thinking. Scientists say that kids learn best through hands-on experiences. When you count change or hand over cash, you understand its value more clearly. It feels like something you’re giving up. But when you buy something online or tap your phone, nothing feels like it’s missing. That small difference can change the way kids think about money. Still, many kids are learning how to manage money in this new digital world. When NewsHour asked students questions about money, one kid quickly answered that there are 15 quarters in $3.75. Even without using coins, some kids are excellent at money maths. But managing money isn’t just about maths—it’s also about habits (习惯). To help kids form good habits, many parents use tools to give their children money for doing chores. These tools help kids divide (分开) their money into “spend”, “save”, and “give”, and let parents keep an eye on how the money is used. Some apps also teach lessons about saving and investing (投资). Schools are also taking part, offering classes on money management. Talking about money at home is just as important. Whether using cash or cards, learning how to plan for spending and save for future goals helps kids feel confident with money. Living in a cashless world isn’t a bad thing, but it means kids need new skills. With the right support from parents, teachers, and technology, they can grow up to be financially (经济上) smart—even without ever carrying a coin. 1．What did saving money mean not too long ago? 2．What are the advantages of digital money mentioned in the passage? 3．How can kids understand the value of money more clearly according to scientists? 4．What will you do to manage money in a cashless society? (Give two examples.) 【答案】1．It meant putting coins into a piggy bank or hiding notes in a secret place. 2．It is easy to carry, and you don’t have to worry about losing notes or carrying coins. 3．By counting change or handing over cash. 4．I will use the money to buy things I really need, and I will divide the money into “spend”, “save”, and “give”. 【导语】本文主要介绍无现金时代，孩子应该学会如何理财。 【详解】1．根据“Not too long ago, saving money meant putting coins into a piggy bank or hiding notes in a secret place.”可知，不久前，省钱意味着将硬币放入存钱罐或将钞票藏在秘密地方。故填It meant putting coins into a piggy bank or hiding notes in a secret place. 2．根据“Digital money is easy to carry, and you don’t have to worry about losing notes or carrying coins.”可知，它易于携带，不必担心丢失钞票或携带硬币。故填It is easy to carry, and you don’t have to worry about losing notes or carrying coins. 3．根据“Scientists say that kids learn best through hands-on experiences. When you count change or hand over cash, you understand its value more clearly.”可知，根据科学家的说法，孩子们通过清点零钱或交出现金来更清楚地理解金钱的价值。故填By counting change or handing over cash. 4．开放性试题，言之有理即可，参考答案：I will use the money to buy things I really need, and I will divide the money into “spend”, “save”, and “give”. Passage 5 When Peter was six, he started receiving pocket money from his mother. When he turned seven, he got 7 yuan a week. Now at the age of fifteen, he is given 15 yuan every week. He has the raise in pocket money because he spends money properly. At weekends, he watches exciting movies with his friends. Sometimes, he takes one hour’s bus ride to museums and zoos in another town with his cousin. He brings small presents for his grandparents when he visits them. When he has saved enough money, Peter likes to buy great books such as science books and history books. His mother is satisfied with him. She thinks it is a smart choice to give Peter pocket money.“This habit can help Peter manage money well,” she says. Peter’s mother suggests giving pocket money to children as early as possible. She thinks it is good for children to learn how to deal with money. 根据短文内容回答问题。 1．Why does Peter get more pocket money year by year? 2．What does Peter like to buy when he has saved enough money? 3．About using pocket money, is Peter’s mother satisfied with him or not? 4．According to Peter’s mother, what can giving children pocket money help them do? 【答案】1．Because he spends money properly. 2．Great books such as science books and history books. 3．She is satisfied with him. 4．It can help children manage money well and learn how to deal with money. 【导语】本文主要讲述了Peter从6岁开始从母亲那里获得零花钱，随着年龄增长，零花钱也随之增加，原因是他能合理花钱。文章还介绍了Peter如何使用零花钱，以及他的母亲对给孩子零花钱这件事的看法。 【详解】1．根据第二段中的“He has the raise in pocket money because he spends money properly.”可知，Peter零用钱增加是因为他花钱明智。 2．根据文中第三段中的“When he has saved enough money, Peter likes to buy great books such as science books and history books.”可知， Peter买了好书，如科学书、历史书。 3．根据文中第三段中的“His mother is satisfied with him.”可知，Peter的妈妈对Peter是满意的。 4．根据文中第三段的“This habit can help Peter manage money well.”及第四段的“She thinks it is good for children to learn how to deal with money.” 可知，给孩子零用钱是为了让他们学会管理钱财。 Passage 6 Recently, a story from China went popular online. A father had a special way to give his 18-year-old daughter her college pocket money. The daughter was leaving home for college for the first time. Her father gave her 2,000 yuan a month, but not all at once. He sent some money at the start, middle and end of the month separately. If she contacted her family every day, she could get an extra 500-yuan bonus. The father did this to help his daughter learn to manage money, so she wouldn’t spend all of it right away. This story tells us that managing pocket money is a useful life skill. Here are some easy tips: First, use the “split method”. Divide your monthly allowance into four parts for each week, so you won’t run out of money early. What’s more, make a simple spending plan. Before buying things, ask yourself if you “need” or just “want” them. Needs are necessary things like lunch and bus tickets, while wants are extra things like games or snacks. Finally, don’t forget to save a little money every week. You can save for something you really want. When you buy it with your own saved money, it feels amazing. Managing money helps you become more independent, which is a wonderful feeling. 1．Why did the father give his daughter’s pocket money in parts? 2．How much monthly pocket money did the father give his daughter? 3．How many tips are mentioned in the passage? 4．According to the passage, what is the difference between “needs” and “wants”? 5．What does the writer think of managing money? 【答案】1．Because he wanted his daughter to learn to manage money. 2．2,000 yuan (a month). 3．Three (tips). / 3 4．Needs are necessary things (like lunch and bus tickets), while wants are extra things (like games or snacks). 5．The writer thinks managing money is a useful life skill (that helps you become more independent). 【导语】本文主要讲述了一位父亲用特殊方式给即将上大学的女儿发放生活费，以此引导她学会理财的故事，并分享了三条实用的零花钱管理技巧。 【详解】1．首段和第二段明确说明了父亲分月发放生活费的原因：“The father did this to help his daughter learn to manage money, so she wouldn’t spend all of it right away”，属于原文直接信息提取题。 2．第二段直接给出了每月的基础生活费金额：“Her father gave her 2,000 yuan a month”，同时补充了额外奖金的条件，答案为原文信息直接提取。 3．第三段以“Here are some easy tips: First... What’s more... Finally...”为引导，清晰列出了三条建议，属于直接计数类的信息提取题。 4．第三段中用对比句式明确区分了两者：“Needs are necessary things like lunch and bus tickets, while wants are extra things like games or snacks”，答案为原文直接定义提取。 5．第三段开头和结尾分别点明了作者的观点：“managing pocket money is a useful life skill”以及“Managing money helps you become more independent”，答案整合了这两处核心表述，属于观点提炼类题目。 Passage 7 Read the passage below and answer the following questions （根据文章内容回答下列问题） Last month, the Grade Eight students in Garden School had a debate on the topic “Is it a good idea for parents to talk about the family finances (家庭财政) with their kids?”. Here are some opinions from Lisa, one of the students who thinks it is a good idea. Most parents believe it is not proper to tell their kids about how much they make and how much they spend, so most families don’t talk about money with their kids. They basically feel it is not their concern. You could easily agree. But is it really none of our business? Doesn’t our parents’ income (收入) affect us? They use the money to pay for food, clothing and shelter. If they lost their jobs and became unemployed, wouldn’t that affect us, too? I’m not going to say parents should show their kids every bill before paying it or that they should ask their kids for advice on big financial decisions, but I will say they should keep kids involved and informed. It is part of teaching them about money and life. Kids follow their parents’ every move and learn from them. Parents have to teach their kids about money because kids don’t learn it in school. As a parent, it’s necessary to teach them about saving, investing and staying away from credit (赊欠). Also, parents have to manage their own money well if they really want to set an example. So I think it’s a good idea for parents to talk about the family finances with their kids. Tell them how much your salary is. It might help them decide which career to choose. Tell them how you spend your own money and talk to them before you make big purchases such as a new car. Include them in the process so that they know how it works and are satisfied with it. You can include them more and more as they get older. Don’t make money a taboo (禁忌) issue in your home. 1．Most families don’t talk about money with their kids, do they? 2．What was the debate about? 3．According to Lisa, what do parents use money to do? 4．What does Lisa mean by saying “Is it really none of our business”? 5．Do you want your parents to talk about family finances with you? Why or why not? Please give at least two reasons. 【答案】1．No, they don’t. 2．(It was about) whether it was a good idea for parents to talk about the family finances with their kids. 3．Parents/They use money to pay for food, clothing and shelter. 4．She means family finances affect kids, too. /She means the family finances have something to do with kids. 5．Yes, I do. Because it can help me decide which career to choose and it is part of teaching me about money and life.（言之有理即可） 【导语】本文是一篇议论文。文章主要讲述了花园学校八年级学生就“父母是否应该与孩子谈论家庭财政”这一话题进行的辩论，并详细阐述了学生Lisa 支持该做法的观点及理由。 【详解】1．根据文章第2段“most families don't talk about money with their kids”可推知事实是否定的。对于否定陈述的反意疑问句，若事实确实如此，回答需用No。 2．根据文章第1段“had a debate on the topic ‘Is it a good idea for parents to talk about the family finances with their kids?’”可推知辩论的主题内容。 3．根据文章第2段“They use the money to pay for food, clothing and shelter”可推知父母用钱做的事情。 4．根据文章第2段“Doesn’t our parents'income affect us”可推知这句话意味着家庭财政状况实际上会影响孩子，与孩子有关。 5．本题为开放性试题，需结合个人观点作答。合理即可。 培优拔高·挑战攻坚 Passage 1 （26-27九年级上·全国·单元测试）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 how to save or spend money well. 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. 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. In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in the right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and deal with money wisely step by step! 1．How do we start learning to manage money at an early age? 2．According to the passage, where does money come from? 3．What should we do if our pocket money can’t cover everything we want? 4．What do you think of money？Write 30 words or more. 【答案】1．By watching our parents’ spending habits. 2．It comes from parents’ hard work. 3．We should make smart spending choices. 4．Money is important in our life, but we should manage it wisely. We can save money for our goals and never waste it on useless things. We also need to understand money is earned through hard work. 【导语】本文是一篇说明文。文章主要讲述了关于金钱的生活课程，旨在帮助青少年养成良好的消费习惯，包括理解金钱来源、预算规划、设定目标以及与父母沟通等方面。 【详解】1．文中指出“At an early age, we start learning how to manage money by watching our parents' spending habits.”，我们小时候通过观察父母的消费习惯学习理财。 2．文中指出“We need to know that our parents work hard to make money.”，金钱来自父母的辛勤工作。 3．文中指出“Realising that our pocket money can't cover everything we want, we should make smart spending choices.”，零花钱不够买下所有想要的东西时，我们要做出明智的消费选择。 4．本题为开放性问题，答案不唯一，围绕理性看待金钱、合理理财、懂得赚钱辛苦等角度作答即可。 Passage 2 （2026·山东聊城·二模） Ecotourism: Travel That Protects Nature Ecotourism is a special way of traveling that helps protect our planet. Unlike traditional tourism, it includes visiting beautiful natural places without harming them. These places are often areas like rainforests or mountains. They are under the protection of local governments. The main goal of ecotourism is to keep nature safe for a long time. This means we should protect nature so that future generations can enjoy it, too. In an eco-friendly area, buildings fit in with the environment, food is bought from local farmers, and waste is carefully managed. For many developing countries, ecotourism can help them make money while saving their natural treasures. Instead of cutting down rainforests for wood, countries can make money by showing tourists the natural beauty. This way, all sides benefit. The country makes money, and the nature stays protected. Ecotourism has many advantages for local people. It creates jobs for them, such as park rangers, cooks, or wildlife guides. These jobs often pay better than farming. Many learn new skills and can support their families better than before. However, there are some problems. Sometimes, locals are used for cheap labor (廉价劳动力). Big companies often keep most of the money, while local people make very little. Also, locals might lose their traditional way of life. Moreover, building hotels and roads can be harmful to the environment if not planned carefully. In short, ecotourism aims to help both people and the planet. It teaches us to ________. When done correctly, it is a win-win situation for everyone. 1．What does ecotourism include? 2．What is the main goal of ecotourism? 3．How can ecotourism help developing countries make money, according to Paragraph 3? 4．Ecotourism can cause some problems. Please list one problem. (言之有理即可) 5．Complete the sentence in Paragraph 6 with proper words. 【答案】1．Visiting beautiful natural places without harming them. 2．To keep nature safe for long. 3．By showing tourists the natural beauty. 4．Locals are used for cheap labor./Locals may lose their traditional way of life./ Building hotels and roads may damage the environment. 5．protect nature. 【导语】本文是一篇说明文，主要介绍了生态旅游的定义、主要目标、对发展中国家及当地人的益处，同时也指出了其可能存在的问题及最终愿景。 【详解】1．根据文章第1段“Unlike traditional tourism, it includes visiting beautiful natural places without harming them.（与传统旅游不同，它包括参观美丽的自然场所而不伤害它们。）”可推知生态旅游包含的内容。故填Visiting beautiful natural places without harming them. 2．根据文章第2段“The main goal of ecotourism is to keep nature safe for a long time.（生态旅游的主要目标是让自然长期保持安全。）”可推知生态旅游的主要目标。故填To keep nature safe for long. 3．根据文章第3段“countries can make money by showing tourists the natural beauty.（国家可以通过向游客展示自然美景来赚钱。）”可推知发展中国家赚钱的方式。故填By showing tourists the natural beauty. 4．根据文章第5段“Sometimes, locals are used for cheap labor.（有时，当地人被视为廉价劳动力。）”可推知生态旅游可能带来的问题之一。故填Locals are used for cheap labor. 5．根据文章第6段“In short, ecotourism aims to help both people and the planet.（总之，生态旅游旨在帮助人类和地球。）”及全文保护自然的主旨可推知它教会我们保护自然。故填protect nature. Passage 3 （2026·辽宁盘锦·一模）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 that 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 decide 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 satisfy (满足) us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account 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 the 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．Why is it a great way for children to visit their parents’ workplaces to watch how they work? 2．What are the two steps to create a budget? 3．How can we save money for a new bicycle? 4．If your parents give you 300 yuan during the Chinese New Year, what will you do with it? 【答案】1．To understand that money is not easy to make. 2．Think about how much money we have and decide what we really want to spend it on. 3．Save pocket money and write down savings. 4．I will save most of it and spend some on books.（答案不唯一，合理即可） 【导语】本文介绍了几条理财生活经验，教导我们要明白挣钱不易、做好开支预算、树立存钱目标，并多和父母交流金钱使用方式，从而养成正确的金钱观和消费习惯。 1．第二段末尾“…is a great way to understand that money is not that easy to make.”让孩子们明白赚钱并没有那么容易，直接提取原文信息作答。 2．第三段“think about how much money we have, and decide what we really want to spend it on”指出了创建预算的两个步骤，整合两步信息得出答案。 3．第四段“save our pocket money”和“Write down how much money we have in a notebook”告诉了怎样通过省钱买新自行车，整合原文内容可得出答案。 4．开放性回答。结合文章理性理财、合理储蓄的观点，贴合主题合理作答即可。参考答案为：I will save most of it and spend some on books.（答案不唯一，合理即可） Passage 4 （2025·广西柳州·三模）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 how to save or spend money well. 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. Realising that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 根据语篇内容回答问题，每空单词数不限，将答案填写在答题卡对应的横线上。 1．How do we start learning to manage money at an early age? 2．According to the passage, where does money come from? 3．What should we do if our pocket money can’t cover everything we want? 4．What will greatly satisfy us according to Paragraph 4? 5．What do you think of money? (请用完整的一句话回答。) 【答案】1．We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits. 2．Money comes from parents’ hard work. /From parents’ hard work. 3．We should make smart spending choices. 4．Reaching our goal will greatly satisfy us. 5．I think that money is very important/useful/... for me. 【导语】本文是一篇说明文，主要讲述了如何从小培养良好的金钱管理习惯，包括理解金钱的来源、制定预算、设定储蓄目标以及与父母沟通学习金钱的使用等。 【详解】1．根据“At an early age, we start learning how to manage money by watching our parents’ spending habits.”可知，我们是通过观察父母的消费习惯开始学习管理金钱的。故填We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits. 2．根据“We need to know that our parents work hard to make money”可知，金钱来源于父母的辛勤工作。故填Money comes from parents’ hard work. /From parents’ hard work. 3．根据“Realising that our pocket money can’t cover everything we want, we should make smart spending choices.”可知，意识到零花钱无法满足所有需求时，我们应该做出明智的消费选择。故填We should make smart spending choices. 4．根据“Reaching our goal will greatly satisfy us.”可知，实现目标会让我们非常满足。故填Reaching our goal will greatly satisfy us. 5．开放性试题，言之有理即可，参考答案：I think that money is very important/useful/... for me. Passage 5 （2023·山西·一模）请阅读下面的非连续性文本，根据语篇内容，回答问题，并将答案写在答题卡相应的位置上。 You must often get pocket money (零用钱) from your parents. How do you deal with it? Do you buy anything you like with it? For example, you may want to get a mobile phone, a video game, or some great books. However, sometimes, you just find out you don’t have enough money. Then it might be time for you to start saving some money. But how can you make it? ·Tip One: Spend your pocket money wisely. A lot of children have pocket money. However, they’re not wise enough to spend their pocket money on the things they exactly need. Most children hardly spend their money on school things. Some of them even pay much money for a smartphone in order to play games on it. ·Tip Two: Find a way that works for you to save. Mr. Woods: Get a piggy bank if you want to keep your money at home. It doesn’t have to be a real piggy bank. You can use an old shoebox. The point is just to have something that you can put your money into. Ms. Miller: If you don’t trust yourself enough to manage your own money, ask someone you can trust to hold your money for you. Just make sure you tell them not to give in if you ask them for some money. ·Tip Three: Fight the thoughts to spend. √ If you want something, you should make sure whether it is necessary for you first. √ Wait a week. Then you may not want to buy it. √ Make a shopping budget (预算) and stick to it strictly. √ Put your energy in meaningful things, like reading books. ·Tip Four: ________ You can make money by selling the unwanted clothes, toys, and other things lying around your room. This is a good way of making money. At the same time, these things can be reused. Anyway, saving money is not that easy. But it can help you understand making money is even harder. After all, “No pains, no gains.” 1．According to Paragraph 1, what may children want to buy? 2．Mary spent 1,000 yuan of her pocket money in 2022. How much did she spend on junk food? How can she spend her money more wisely in 2023? 3．From Ms. Miller’s words, who can be the best person to hold money for you? 4．Why should you wait for a week before deciding to buy something? 5．What is the best subtitle (小标题) of Tip Four? 6．（开放性设问）In your daily life, what do you usually do to save money? How should we spend money more meaningfully? 【答案】1．They may want to buy a mobile phone, a video game, or some great books. 2．530./She spent 530 yuan on junk food. She can buy more books./She can spend money on the things she exactly needs./… 3．Someone I can trust./My parents. Because I trust them./… 4．Because I can know whether I need it or not./Because I can know whether I want to buy it or not./Because I may not want to buy it then./… 5．Make money./Make money by selling (unwanted) things./… 6．I usually put my money into my piggy bank. I think we can give some of our money away to the poor kids in rural areas./… 【导语】本文主要向学生们介绍了攒零花钱的四个方法。 【详解】1．根据“For example, you may want to get a mobile phone, a video game, or some great books.”可知，他们可能想买一部手机、一款电子游戏或一些很棒的书。故填They may want to buy a mobile phone, a video game, or some great books. 2．根据图表可知，在2022年，玛丽买垃圾食品的花销占所有零花钱的53%，也就是530元（1000×53%）；为了更明智地利用零花钱， 她可以买更多的书或者其他必要的东西等。故填530./She spent 530 yuan on junk food. She can buy more books./She can spend money on the things she exactly needs./… 3．根据“If you don’t trust yourself enough to manage your own money, ask someone you can trust to hold your money for you.”可知，可以让自己信任的人帮忙管钱，比如父母等。故填Someone I can trust./My parents. Because I trust them./… 4．根据“Wait a week. Then you may not want to buy it.”可知，等一周后再买东西，因为那时就可以知道是否真的需要/想买它。故填Because I can know whether I need it or not./Because I can know whether I want to buy it or not./Because I may not want to buy it then./… 5．根据“You can make money by selling the unwanted clothes, toys, and other things”可知，本段主要讲通过卖旧东西来赚钱，故填Make money./Make money by selling (unwanted) things./… 6．开放性问题，符合常理即可，参考答案为I usually put my money into my piggy bank. I think we can give some of our money away to the poor kids in rural areas./… Passage 6 （2023·上海金山·一模）Last month, the Grade Nine students in Garden School had a debate(辩论) on the topic “Is it a good idea for parents to talk about the family finances(家庭财政) with their kids?”. Here are some opinions from Lisa, one of the students who thinks it is a good idea. Most parents believe it is not proper to tell their kids about how much they make and how much they spend, so most families don’t talk about money with their kids. They basically feel it is not their concern. You could easily agree. But is it really none of our business? Doesn’t our parents’ income(收入) affect us? They use the money to pay for food, clothing and shelter. If they lost their jobs and became unemployed, wouldn’t that affect us, too? I’m not going to say parents should show their kids every bill before paying it or that they should ask their kids for advice on big financial decisions, but I will say they should keep kids involved and informed. It is part of teaching them about money and life. Kids follow their parents’ every move and learn from them. Parents have to teach their kids about money because kids don’t learn it in school. As a parent, it’s necessary to teach them about saving, investing and staying away from credit(赊欠). Also, parents have to manage their own money well if they really want to set an example. So I think it’s a good idea for parents to talk about the family finances with their kids. Tell them how much your salary is. It might help them decide which career to choose. Tell them how you spend your own money and talk to them before you make big purchases such as a new car. Include them in the process so that they know how it works and are satisfied with it. You can include them more and more as they get older. Don’t make money a taboo(禁忌) issue in your home. 1．Most families talk about money with their kids, don’t they? 2．When did the Grade Nine students in Garden School have a debate? 3．According to Lisa, what do parents use money to do? 4．Why do parents have to teach their kids about money? 5．What does Lisa mean by saying “Is it really none of our business”? 6．Do you want your parents to talk about family finances with you? Why or why not? Please give at least two reasons. 【答案】1．No, they don’t. 2．Last month. 3．Parents/They use money to pay for food, clothing and shelter. 4．Because kids don’t learn it in school. 5．Linda/She means it is some of our business./Linda/She means the family finances have something to do with kids. 6．Yes, I do. Because it can help me decide which career to choose and it is part of teaching me about money and life. 【导语】本文主要通过Lisa的观点来表示父母应该和孩子谈论家里的财政。 【详解】1．根据“so most families don’t talk about money with their kids.”可知，大多数家庭不会和孩子谈钱。因此作否定回答。故填No, they don’t. 2．根据“Last month, the Grade Nine students in Garden School had a debate(辩论) on the topic ‘Is it a good idea for parents to talk about the family finances(家庭财政) with their kids?’.”可知，是上个月举行的辩论。故填Last month. 3．根据“They use the money to pay for food, clothing and shelter.”可知，他们用这些钱来支付食物、衣服和住所。故填Parents/They use money to pay for food, clothing and shelter. 4．根据“Parents have to teach their kids about money because kids don’t learn it in school.”可知，因为孩子们在学校里学不到关于金钱的知识，所以父母必须教他们。故填Because kids don’t learn it in school. 5．根据“Doesn’t our parents’ income(收入) affect us? They use the money to pay for food, clothing and shelter. If they lost their jobs and became unemployed, wouldn’t that affect us, too?”可知，Lisa的意思是家里的财政与我们有关系。故填Linda/She means it is some of our business./Linda/She means the family finances have something to do with kids. 6．开放性试题，言之有理即可，参考答案为：Yes, I do. Because it can help me decide which career to choose and it is part of teaching me about money and life. Passage 7 （2026·重庆·一模）阅读下文并回答问题。 Tom—2 days agoOne day, I found my pocket money had run out again—by the third week, as usual. I had no idea where it had gone. So I decided to change. I divided my money into three parts: 70% for spending, 25% for saving, and 5% for giving. At the beginning of each month, I put the money into three small boxes and only took money from the “spending box”. Week by week, my “saving box” has slowly filled up. Sometimes I use my “giving box” to buy gifts for my family or even things for people in need. It makes me feel warm inside. Making a plan really makes a difference. Mia—3 days ago I used to buy whatever caught my eye—colorful snacks, sugared drinks and small toys. One day, when I was about to buy another beautiful notebook, my friend asked me, “Do you really need it or just want it?” That question stopped me. I realized many things I had bought were just “wants”! So I put the notebook back. Back home, I found many things I hardly used and gave them away to a local children’s home with Mom’s help. I was happy to realize I could help. Now, before I buy anything, I ask myself, “Do I really need it?” I feel I am becoming more thoughtful about how to use my money. Annie—5 days agoLast winter vacation, I bought my mom a wool sweater for her birthday. It was quite expensive, and I felt proud because I earned the money myself! I started by selling old storybooks online. Then I offered to walk my neighbors’ dogs—ten yuan each time. Because of my good service, more neighbors came to me. Some even asked for in-home pet care while they traveled. I also helped my aunt sell handmade “tanghulu” at a night market. It was not easy but fun. After buying the sweater, I saved the rest of the money. When I saw my mom’s happy tears, I understood that money comes from hard work—and love makes it meaningful. 1．Did Tom run out of pocket money quickly in the past? 2．What did Mia give away to a local children’s home? 3．What common lesson have the three students learned from their experiences? 4．Whose way of managing money do you want to try? Why? Choose one to talk about. (about 30 words) 【答案】1．Yes./Yes, he did. 2．Many things she hardly used./She gave away many things she hardly used. 3．They have all learned that managing money well is not only good for themselves, but also good for others./They have all learned that managing money wisely not only brings them personal growth but also allows them to show love to others./They have all learned that managing money well not only benefits themselves but also benefits others. 4．I want to try Tom’s way. Dividing my pocket money into three parts will help me stop overspending. And making a plan can help me use my money better./I want to try Mia’s way. Asking “Do I really need it?” can stop me from wasting money. I can spend more wisely and help others with what I save./I want to try Annie’s way. I want to earn money by helping others. It can make me understand that money comes from hard work and make my spending more meaningful.（答案不唯一，合理即可） 【导语】本文主要讲述了三个学生（Tom, Mia和Annie）在论坛上分享他们各自管理金钱的经验和感悟。 【详解】1．Tom分享部分第1段“One day, I found my pocket money had run out again—by the third week, as usual.”表明Tom过去零花钱很快就会花光。该题为一般疑问句，需作肯定回答。 2．Mia分享部分第2段“Back home, I found many things I hardly used and gave them away to a local children’s home with Mom’s help.”表明Mia把她几乎不用的东西捐给了儿童福利院。答案几乎是原文引述。 3．Tom分享部分第2段“Making a plan really makes a difference.”、Mia分享部分第2段“I feel I am becoming more thoughtful about how to use my money.”以及Annie分享部分第3段“I understood that money comes from hard work—and love makes it meaningful.”表明三人都明白了明智理财不仅对自己有益，也能通过分享帮助他人、传递善意。 4．本题为开放性问题，答案不唯一，选择其中一人的理财方式并给出合理的理由即可。 Passage 8 （25-26九年级上·北京·阶段检测）阅读表达 Kids in a Cashless World: Are We Losing the Feel of Real Money? Not too long ago, saving money meant putting coins into a piggy bank or hiding notes in a secret place. Buying snacks meant handing over real cash and feeling every cent you spent. But in today’s world, money doesn’t jingle (叮当) or crinkle (起皱)—it clicks. For many kids, digital payments are becoming part of everyday life. With smartphones or cards, it’s common to buy things without cash. According to News Hour, about half of kids aged 10 to 12 own a smartphone. Some families are using apps to help kids manage money. Digital money is easy to carry, and you don’t have to worry about losing notes or carrying coins. But when money becomes just numbers on a screen, it can feel less real. And when money doesn’t feel real, it’s easier to spend too much without thinking. Scientists say that kids learn best through hands-on experiences. When you count change or hand over cash, you understand its value more clearly. It feels like something you’re giving up. But when you buy something online or tap your phone, nothing feels like it’s missing. That small difference can change the way kids think about money. Still, many kids are learning how to manage money in this new digital world. When News Hour asked students questions about money, one kid quickly answered that there are 15 quarters in $3.75. Even without using coins, some kids are excellent at money maths. But managing money isn’t just about maths—it’s also about habits (习惯). To help kids form good habits, many parents use tools to give their children money for doing chores. These tools help kids divide (分开) their money into “spend”, “save”, and “give”, and let parents keep an eye on how the money is used. Some apps also teach lessons about saving and investing (投资). Schools are also taking part, offering classes on money management. Talking about money at home is just as important. Whether using cash or cards, learning how to plan for spending and save for future goals helps kids feel confident with money. Living in a cashless world isn’t a bad thing, but it means kids need new skills. With the right support from parents, teachers, and technology, they can grow up to be financially (经济上) smart—even without ever carrying a coin. 1．What did saving money mean not too long ago? 2．What are the advantages of digital money mentioned in the passage? 3．Why do parents use tools to give their children money for doing chores? 4．Do you think it is necessary for you to learn how to manage money in a cashless society? Why or why not? (Give two reasons.) 【答案】1．It meant putting coins into a piggy bank or hiding notes in a secret place. 2．It is easy to carry, and you don’t have to worry about losing notes or carrying coins. 3．To help kids form good habits. 4．Yes. Because digital money is becoming common, and learning to manage it helps us spend money wisely. It is also important to understand the value of money and form good financial habits early. 【导语】本文是一篇说明文。主要介绍了无现金世界中孩子对金钱的认知及如何培养理财能力。 【详解】1．根据第一段“Not too long ago, saving money meant putting coins into a piggy bank or hiding notes in a secret place.”可知，不久前，存钱意味着把硬币放进存钱罐里，或者把钞票藏在一个秘密的地方。故填It meant putting coins into a piggy bank or hiding notes in a secret place. 2．根据第三段“Digital money is easy to carry, and you don’t have to worry about losing notes or carrying coins.”可知，数字货币便于携带，你不必担心丢失纸币或携带硬币。故填It is easy to carry, and you don’t have to worry about losing notes or carrying coins. 3．根据第六段“To help kids form good habits, many parents use tools to give their children money for doing chores.”可知，为了帮助孩子养成良好的习惯，许多父母用工具给他们的孩子做家务的钱。故填To help kids form good habits. 4．本题答案不唯一，言之有理即可。故填Yes. Because digital money is becoming common, and learning to manage it helps us spend money wisely. It is also important to understand the value of money and form good financial habits early. Passage 9 （25-26九年级上·北京延庆·期中）阅读短文，根据内容回答问题。 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 satisfy us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with 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．What is a great way to understand that money is not easy to make? 2．What do we need to think about when making a budget? 3．How can we watch our money grow when saving for a new bicycle? 4．Do you have good spending habits? How can we form good spending habits? (Please give two ways.) 【答案】1．Going to parents’ workplaces to watch how they work. 2．We need to think about how much money we have and what we really want to spend it on. 3．We can write down how much money we have in a notebook and watch it grow. 4．Yes, I do. We can make a budget and track savings. 【导语】本文主要介绍了如何帮助我们养成良好的消费习惯。 【详解】1．根据第二段“Going to their workplaces to watch how they work is a great way to understand money is not that easy to make.”可知，去父母工作场所观察他们如何工作是理解赚钱不易的好方法。故填Going to parents’ workplaces to watch how they work。 2．根据第三段“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.”可知，制定预算需要思考两点：我们有多少钱，以及真正想买什么。故填We need to think about how much money we have and what we really want to spend it on. 3．根据第四段“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.”可知，当我们存钱买自行车时，我们可以把我们的钱数记在一个笔记本上，看着它增长。故填We can write down how much money we have in a notebook and watch it grow. 4．开放性试题，言之有理即可。参考答案为Yes, I do. We can make a budget and track savings. Passage 10 （2025·北京门头沟·一模）阅读短文，根据短文内容回答问题。 Have you ever wondered why your pocket money runs out so quickly? Have you ever regretted spending your birthday money on snacks or online games when you could have saved up to buy something you really wanted instead? If so, making a budget is a great way to take control of your money. To put it simply, a budget is a plan that helps us decide how to earn (挣钱), save and spend our money. Making a budget can help you to stretch (延长使用) your money further, so it’s easier to save up for more expensive items like a computer, new trainers or a bike. It’s a good idea to make a budget now because it’ll help you manage your money better and be ready for bigger expenses in the future. Some people don’t make a budget because they think it’s too much trouble or they don’t see the point. They feel it’s hard to keep a record of every cent, or they believe they can control their money without a plan. But without a budget, it’s easy to lose track of your spending. You might spend all your pocket money on snacks and have nothing left for the new book you want. Or you might buy lots of little things you don’t really need, instead of saving for something important. To start making a budget, pick up a pen and paper. First, write down the money you earn. This could be your pocket money, plus anything extra that you earn for helping out with small tasks. This is your “income (收入)”. Next, write down the money you spend regularly. Maybe you buy snacks every day after school or new clothes each month. This is called your “outgoings (支出)”. 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. You might then decide to spend less on snacks so that you can save a little extra. Or think about ways that you could earn a little more so that you can reach your goal faster. 1．What is a great way to take control of your money? 2．Why is it a good idea to make a budget now? 3．What will you see when you subtract your outgoings from your income? 4．Would you like to make your budget? Why or why not? (Please give at least two reasons.) 【答案】1．Making a budget is a great way to take control of our money. / Making a budget. 2．Because it’ll help us manage our money better and be ready for bigger expenses in the future. 3．We’ll see how much we have left over to save or spend. 4．Yes, I would. First, it helps me save money for things I really want. Second, it teaches me how to manage my money better. (答案不唯一) 【导语】本文介绍了制定预算是控制金钱的好方法，因为它有助于更充分地利用金钱、更好地管理钱财，并为未来更大的开支做好准备。 【详解】1．根据“If so, making a budget is a great way to take control of your money.”可知，制定预算是控制金钱的好方法。故填Making a budget is a great way to take control of our money. / Making a budget. 2．根据“It’s a good idea to make a budget now because it’ll help you manage your money better and be ready for bigger expenses in the future.”可知，制定预算是个好主意，因为它能帮助我们更好地管理钱，并且为将来更大的支出做好准备。故填Because it’ll help us manage our money better and be ready for bigger expenses in the future. 3．根据“When you subtract (减去) your outgoings from your income, you’ll see how much you have left over to save or spend.”可知，当从收入中减去支出时，我们会看到还剩下多少钱可以储蓄或花费。故填We’ll see how much we have left over to save or spend. 4．开放性试题，答案不唯一。参考答案为Yes, I would. First, it helps me save money for things I really want. Second, it teaches me how to manage my money better. Passage 11 （2024·北京西城·三模）阅读短文，根据短文内容回答问题。 Parents and children often 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 (善于理财的) kid, who’ll grow up to be an adult wise in their money use.” says financial (金融的) planner Peg Eddy. The key is letting kids learn by having a little money of their own. The Tidler family in Denver found the best way to teach about money was to let their kids earn some. Their son, Ryan has made $7,800 by helping with his parents’ garden. Besides, he bought a bike and a wonderful sound system. And he is going to buy a car next year. Ryan has come to see the value in making his own money even when other kids are given money by their parents. Learn Now, Save Later Money skills are an important part of becoming a successful adult. David Brady, another financial planner, says, “Young people today will have much more responsibility for their financial future than their parents or grandparents.” Experts say, knowing how to manage 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. It also means thinking of others, by making donations to charity (慈善). Brady does remind kids. “They shouldn’t be thinking about money all the time,” he says. However, they should understand basic rules for earning, saving and investing (投资). That knowledge is greatly needed. Over the past years, the average credit card debt (债务) of Americans ages 18 to 24 doubled, to nearly $3,000. Among high school students, four out of five have never taken a personal finance class. Talking About It Many kids want to learn how to manage their money. But parents think only about what kids shouldn’t do. They argue that kids are young and inexperienced, they may easily get in debt if they manage their own money. Giselle Lopez, 17, of New York City, learned the hard way. She was over $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 strict rules. When children like Ryan and Giselle have their own money to consider, they can learn to set those rules themselves. 1．What is the goal of most kids about money? 2．How has Ryan made $7,800? 3．How much was Giselle Lopez in debt on her first credit card? 4．Is it a good idea for kids to learn to manage their money? Why or why not? (Please give at least 2 reasons) 【答案】1．The goal of most kids is getting money to spend. 2．By helping with his parents’ garden. 3．Over $2,000. 4．Yes, it is. It helps kids understand the value of earning and saving money and develop a sense of responsibility for their financial decisions. 【导语】本文主要讲述了如何让孩子学会明智的管理自己的金钱。 【详解】1．根据“The goal of most kids is getting money to spend.”可知，大多数孩子的目标是获得花的钱。故填The goal of most kids is getting money to spend. 2．根据“Their son, Ryan has made $7,800 by helping with his parents’ garden.”可知，Ryan通过帮助父母打理花园挣了7800美元。故填By helping with his parents’ garden. 3．根据“Giselle Lopez, 17, of New York City, learned the hard way. She was over $2,000 in debt on her first credit card”可知，Giselle Lopez第一张信用卡欠了2000多美元。故填Over $2,000. 4．本题是开放性试题，答案言之有理即可，参考答案为：Yes, it is. It helps kids understand the value of earning and saving money and develop a sense of responsibility for their financial decisions. ( 1 / 13 ) 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $