Unit 2【刷题型】（语法填空精准练）-2026-2027学年九年级英语上册单元模块满分必刷题（新教材外研版）

**基本信息** 聚焦“理财与消费”主题，通过基础-培优分级语法填空训练，系统覆盖语法应用与主题逻辑，强化语言能力与思维品质。 **专项设计** |模块|题量/典例|题型特征|知识逻辑| |----|-----------|----------|----------| |基础篇|4篇（01-04）|考查冠词、介词、动词时态等基础语法，语境围绕个人理财（如省钱、需求与欲望）|从个人消费行为切入，语法点由简单到复杂，构建“基础语法-生活应用”逻辑链| |培优篇|6篇（05-10）|涉及比较级、被动语态等复杂语法，融入无现金社会、二手消费等文化现象|拓展至社会经济视角，语法点与跨文化内容结合，形成“语法规则-文化理解”递进关系|

2026-2027学年九年级英语上册单元模块满分必刷题（新教材外研版） Unit 2 On the money【刷题型】(语法填空精准练) 人与自我—理财与消费 基础篇 01 “The Gift of the Magi” is a short story 1 the American writer O. Henry. He is known 2 the surprise endings in his stories. The story is about Della and Jim, a young couple with little money. Jim only 3 (make) $20 a week. Even though they’re poor, Della and Jim each have one prized treasure. For Della, it is her beautiful hair. For Jim, it is his gold watch. It’s Christmas Eve. Della has tried hard 4 (save) money to buy Jim a gift. But one dollar and eighty-seven cents is certainly not enough. It breaks 5 (she) heart. And so, she sells her hair to buy Jim a nice chain for his watch. When Jim comes home, he 6 (shock). Della’s hair 7 (be) gone! At first, Della thinks he’s angry with her, but there’s a surprise. Jim also brings Della a gift—an expensive set of combs for her hair. 8 does he do it? Jim sells his watch! “The Gift of the Magi” is 9 warm story. O. Henry does not invite us to laugh at them. 10 , he writes at the end that “they are the wisest”. They have something much more important than money—they have love. 【答案】 1．by 2．for 3．makes 4．to save 5．her 6．is shocked 7．is 8．How 9．a 10．Instead 【导语】本文介绍欧·亨利的短篇小说《麦琪的礼物》，讲述贫穷夫妻德拉和吉姆为互赠圣诞礼物，各自卖掉自己最珍贵宝物的暖心故事。 【详解】 1．句意：《麦琪的礼物》是美国作家欧·亨利写的短篇小说。“story ... the American writer O. Henry.”表示故事由欧·亨利创作，用介词by表示“由……创作”。 2． 句意：他因自己故事里的意外结局而闻名。be known for是固定短语，表示“因……而闻名”。 3．句意：吉姆一周只赚20美元。全文介绍故事用的是一般现在时，主语是Jim，谓语动词用第三人称单数。 4．句意：德拉一直努力攒钱给吉姆买礼物。 try hard to do sth“努力做某事”，应用不定式作目的状语。 5．句意：这让她心碎。空处修饰名词heart，需要用形容词性物主代词，she的形容词性物主代词为her。 6．句意：当吉姆回到家，他十分震惊。主语he和shock是被动关系，“comes”表明时态是一般现在时，应用一般现在时的被动语态“am/is/are+动词的过去分词”，主语是he，be用is，shock的过去分词是shocked。 7．句意：德拉的头发不见了！全文介绍故事用的是一般现在时，主语Della’s hair是不可数名词，be动词用is。 8．句意：他是怎么做到的？“Jim sells his watch!”回答了他做到这件事的方式，此处是询问方式，用How提问。 9．句意：《麦琪的礼物》是一个温暖的故事。此处泛指一个温暖的故事，warm是辅音音素开头的单词，用不定冠词a修饰。 10．句意：相反，他在文末写道“他们是最聪明的人”。前后文为转折对比关系，应用Instead表示“相反，反而”。 02 Do you have pocket money? I think many 1 (child) have it. For me, having pocket money means that I can make 2 (I) own choices. I can also learn something I’m interested in. Money doesn’t grow on trees, so we should use it 3 (wise). So far, I 4 (save) 500 yuan already. Half of my money 5 (put) into my piggy bank every month—it’s much safer than keeping it in my schoolbag. When I want to buy something, I’ll ask its price at first and think 6 (two). Last week, I 7 (find) a pretty toy, but it’s too expensive for me. 8 I loved it very much, I still left without buying it. My mum praised me for this when I got home. Pocket money can not only help us buy the things we want, but also teach us 9 valuable life lesson. I hope that when I grow up, I’ll make money by myself and use it to make a 10 (different). 【答案】 1．children 2．my 3．wisely 4．have saved 5．is put 6．twice 7．found 8．Although/Though 9．a 10．difference 【导语】本文主要介绍了作者对零花钱的看法，分享了自己如何理智消费、积累储蓄，以及零花钱给自己带来的宝贵人生启示。 【详解】 1．句意：我认为很多孩子都有零花钱。根据空前的“many”可知，其后修饰可数名词复数形式，child的复数形式为children。 2．句意：对我来说，拥有零花钱意味着我可以自己做决定。根据空后的“own choices”可知，此处表示“我自己的选择”，修饰名词应用形容词性物主代词，I的形容词性物主代词形式为my。 3．句意：钱不是从树上长出来的，所以我们应当理智花钱。根据语境可知，此处应用副词修饰动词短语“use it”，wise的副词形式为wisely。 4．句意：到现在为止，我已经存了500元。根据句首的时间状语“So far”可知，本句时态应用现在完成时“have/has+过去分词”，主语为“I”，助动词用have，save的过去分词是saved。 5．句意：我每个月都会把一半的零花钱存进存钱罐——这比放在书包里安全得多。根据句末的时间状语“every month”可知，本句描述的是习惯性动作，应用一般现在时；且主语“Half of my money”与动词“put”之间是逻辑上的被动关系，主语money为不可数名词，谓语动词需用一般现在时的被动语态形式is put。 6．句意：每当我想买东西时，我会先问清价格，再三斟酌。根据语境和空前的动词“think”可知，此处是固定搭配think twice，意为“三思而行”。 7．句意：上周，我看中了一个好看的玩具，但它对我来说太贵了。根据句首的时间状语“Last week”可知，本句叙述的是过去发生的事情，应用一般过去时，find的过去式形式为found。 8．句意：虽然我很喜欢它，但我最后还是没买就走了。根据“…I loved it very much, I still left without buying it.”之间的对比可知，前后分句在逻辑上呈让步关系，应用从属连词连接，且位于句首首字母需大写，故填Although/Though。 9．句意：零花钱不仅能帮助我们买想要的东西，还能教给我们一个宝贵的人生启示。根据空后的单数可数名词短语“valuable life lesson”可知，此处表示泛指“一个宝贵的人生启示”，且“valuable”以辅音音素开头，应用不定冠词a。 10．句意：我希望当我长大后，我能自己赚钱并用它来做出改变。根据空前的“make a”可知，此处是固定搭配make a difference，意为“产生影响”。 03 Emma was excited 1 (hear) about a big sale at a store near her home. Everything was 20% off, 2 she wanted to go shopping with her mum. Mrs Carson asked Emma what she wanted 3 (buy), but Emma wasn’t sure yet. She saw many nice things, 4 her mum reminded her that she already had enough clothes.Mrs Carson told Emma that we should spend money 5 (wise). “Needs are things that we must have, like food, clothes and a safe home,” she explained. “Wants, on 6 other hand, are things we desire but can live without.”Emma began 7 (realise) the importance of managing money wisely. By 8 (understand) the difference between needs and wants, she knew she could make better 9 (decide) about money. Now, before buying something, she always considers 10 it is a need or a want. 【答案】 1．to hear 2．so 3．to buy 4．but 5．wisely 6．the 7．to realise 8．understanding 9．decisions 10．whether 【导语】本文讲述了Emma在家附近商店大减价时，在妈妈的引导下，理解“需求”与“欲望”的区别，学会理性消费的故事。 1．句意：Emma听到她家附近一家商店大减价的消息很兴奋。固定搭配be excited to do sth.表示“做某事很兴奋”，因此填to hear。 2．句意：所有东西都打八折，所以她想和妈妈一起去购物。前后句为因果关系，用连词so连接，因此填so。 3．句意：Carson太太问Emma想买什么，但Emma还不确定。固定搭配want to do sth.表示“想要做某事”，因此填to buy。 4．句意：她看到了很多好看的东西，但妈妈提醒她她已经有足够的衣服了。前后句为转折关系，用连词but连接，因此填but。 5．句意：Carson太太告诉Emma我们应该明智地花钱。修饰动词spend需要用副词，wise的副词形式是wisely，意为“明智地”，因此填wisely。 6．句意：另一方面，欲望是我们想要但没有也能活下去的东西。固定搭配on the other hand表示“另一方面”，因此填the。 7．句意：Emma开始意识到明智理财的重要性。固定搭配begin to do sth.表示“开始做某事”，因此填to realise。 8．句意：通过理解需求和欲望的区别，她知道自己可以做出更好的金钱决定。介词by后接动名词形式，因此填understanding。 9．句意：她知道自己可以做出更好的金钱决定。固定搭配make decisions表示“做决定”，decision需用复数形式，因此填decisions。 10．句意：现在，在买东西之前，她总是会考虑这是需求还是欲望。whether…or…表示“是……还是……”，因此填whether。 04 People get to know about money at a young age. But not everyone 1 (know) what to do with their money. Check out the following ideas and see if they are 2 (help). Put money in a bank When you get some money, will you put it in a bank? Why not? The money in the bank can grow over time. For example, if you save 1,000 yuan in a bank, you will get 1 (many) than that after a year. Spend money 2 (wise) After you have saved some money, you may want to buy something you like. But remember 3 (spend) your money wisely. Don't buy things that are not necessary. You can buy a pair of comfortable 4 (shoe) for your P. E. class instead of a lot of junk food. Give money away You can spend money not only for yourself, 1 also for people in need. It would be so nice 2 you to give your money to them. For example, there 3 (be) hungry people. They may need your help. Make more money Besides saving and spending, you can also make money by 1 (do) some housework. In return, your parents may give you some money. Or you may have a small sale to sell things you don't use anymore. 【答案】 1．knows 2．helpful 3．more 4．wisely 5．to spend 6．shoes 7．but 8．of 9．are 10．doing 【导语】本文介绍了关于金钱管理的四条建议：把钱存入银行、明智消费、捐款和赚钱。 【详解】 1．句意：但并不是每个人都知道如何处理自己的钱。主语“everyone”为不定代词，作主语时谓语动词用第三人称单数形式，且描述一般事实，故用“knows”。 2．句意：看看下面的想法，看看它们是否有帮助。空格位于系动词“are”之后，需填形容词作表语。所给词“help”的形容词形式为“helpful”，意为“有帮助的”。 3．句意：例如，如果你在银行存1000元，一年后你将得到比这更多的钱。空格后有比较级标志词“than”，需填形容词比较级。所给词“many”的比较级为“more”。 4．句意：明智地花钱。空格修饰动词“spend”，需填副词作状语。所给词“wise”的副词形式为“wisely”，意为“明智地”。 5．句意：但记住要明智地花钱。固定搭配“remember to do sth.”表示“记得去做某事”，故填“to spend”。 6．句意：你可以买一双舒适的鞋子，而不是一堆垃圾食品。固定搭配“a pair of”后接可数名词复数，所给词“shoe”的复数形式为“shoes”。 7．句意：你不仅可以为自己花钱，也可以为有需要的人花钱。固定搭配“not only...but also...”表示“不仅……而且……”，故填“but”。 8．句意：你把钱给他们真是太好了。固定句型“It is+形容词+of sb. to do sth.”表示“某人做某事真是太……了”，此处用“of”引出动作发出者。 9．句意：例如，有饥饿的人。“there be”句型中，主语“people”为复数，且描述一般事实，用“are”。 10．句意：除了储蓄和消费，你还可以通过做家务来赚钱。介词“by”后接动名词作宾语，所给词“do”的动名词形式为“doing”。 培优篇 05 阅读短文，在空白处填入一个适当的单词或用括号内所给词的正确形式填空，使短文通顺、连贯。 The idea of paper money first appeared in China 1,000 years ago. At that time, feiqian, an early form of paper-based exchange certificate, 1 (use) as a promise to pay rather than real paper money. During the Northern Song Dynasty, official jiaozi was issued (发行) and soon became widely used. It is considered the 2 (world) first official paper money. And now, China may become one of the first 3 (true) cashless societies. I live in China, and I travel outside the country from time to time. In China, I never carry my wallet with me, and I don’t even carry cash. However, when I go to other countries, it is 4 different story. Before travelling, I need 5 (make) sure my credit card is in my wallet, which is something I almost never do in China. Cash is still legal tender (法定货币) across China, 6 only a few people use it today. If we pay with a 100-yuan note, it’s possible that some small stores or taxi drivers may not be able to break it to give change (零钱). Since the introduction of the smartphone, many of us 7 (stop) carrying wallets because almost everything can be done on the phone. But now, even more convenient ways, like facial recognition (面部识别), are here. We can pay in many places 8 even taking out our phones． Countries such as Sweden and Norway mostly use credit cards and debit cards, which allow people to “touch and go”. The 9 (convenient) is hard to beat, but cards are still carried in wallets. Once again, China goes a step further and finds even 10 (easy) payment methods. 【答案】 1．was used 2．world’s 3．truly 4．a 5．to make 6．but 7．have stopped 8．without 9．convenience 10．easier 【导语】本文主要介绍了纸币起源于中国，如今中国走在无现金支付前沿；作者对比国内外消费习惯，点明国内依托手机、刷脸实现便捷无现金消费，相较欧美刷卡模式，支付方式更简便。 【详解】 1．句意：在当时，飞钱作为早期纸质汇兑凭证，被用作兑付凭据，而非真正的纸币。主语feiqian和use是被动关系，故用被动语态；At that time是过去的时间，本句用一般过去时，一般过去时的被动语态结构为was+过去分词。故填was used。 2．句意：它被公认为世界上第一种官方纸币。本空修饰名词paper money，需用形容词或名词所有格。world’s是名词所有格，表示“世界的”，符合语境。 3．句意：现如今，中国或将率先成为真正实现无现金化的国家之一。本空修饰形容词cashless，应用副词。故填truly。 4．句意：但去往其他国家时，情况就截然不同了。story是可数名词单数形式，前面需加冠词。a different story是固定搭配，意为“另一回事，不一样的情况”。故填a。 5．句意：出行前，我总要确认信用卡装在钱包里，这是我在国内几乎不会做的事。need在肯定句中作实义动词而非情态动词，need to do sth.是固定搭配，意为“需要去做某事”。在need doing sth.的固定搭配中主语只能是物不能是人，故填to make。 6．句意：在中国，现金依旧是法定流通货币，可如今只有极少数人还在使用。前面的“Cash is still legal tender (法定货币) across China”和后面的“only a few people use it today”是转折关系，且空格后无逗号，故填表示转折的连词but。 7．句意：智能手机普及之后，很多人不再随身带钱包，几乎所有消费都能在手机上完成。由Since可知本句用现在完成时，结构为have/has+过去分词。主语many of us是复数，助动词用have，故填have stopped。 8．句意：我们在不少场所不用掏出手机就能完成付款。根据前一句“But now, even more convenient ways, like facial recognition (面部识别), are here.”可知，本句的句意为“我们不用掏出手机就能完成付款”，without doing sth.是固定搭配，意为“不用做某事”。故填without。 9．句意：这种支付的便捷度很难被超越，但当地人依旧会把银行卡放在钱包里。本句缺少主语，空格处填一个名词。故填convenience。 10．句意：中国更进一步，探索出了更为简便的支付手段。根据前半句“China goes a step further”以及空前的even可知，本空用比较级。故填easier。 06 阅读下面短文, 在空白处填入1个适当的单词或括号内单词的正确形式。 Li Weiqi, a 24-year-old man working in Shenzhen, is smart with his money. When he 1 (eat) out after work, he seldom pays full price. He always uses apps to get discounts (折扣). Last week, he needed 2 e-bike to go to work, but new ones cost too much. He 3 (end) up buying a nice used e-bike on Xianyu－it only cost a quarter of the new one’s price. Li is not alone. More and more young people like him are choosing to be smart spenders and this trend (趋势) 4 (grow) stronger now. Buying second-hand things is 5 (they) first money-saving secret. On platforms, they can find almost anything in good condition at much 6 (low) prices. This not only saves money, but it’s also good 7 the environment. Their second secret is looking for discounts. They are good at using apps   8 (find) discounts on food, clothes, daily services and more. They often scan QR codes for cash rewards or wait for big sales on different platforms. Why do they do this? They want to use the saved money to do more important things, for example, learning new 9 (skill), traveling, or even saving for their future. For these young people, being 10 (care) with money isn’t being mean. It’s about making smart choices to live a better life. 【答案】 1．eats 2．an 3．ended 4．is growing 5．their 6．lower 7．for 8．to find 9．skills 10．careful 【导语】本文讲述了像李伟奇这样的年轻人通过买二手物品和用APP找折扣来精明消费，从而把省下的钱用于学习、旅行等重要事情，体现了“谨慎花钱不是小气，而是明智生活选择”的观点。 【详解】 1．句意：他下班后外出吃饭时，很少付全价。从句缺少谓语动词，且由主句谓语动词pays可知，此处时态应为一般现在时；主语he为第三人称单数，所以填eats。 2．句意：上周，他需要一辆电动自行车去上班，但新车太贵了。e-bike为可数名词单数，且以元音音素开头，所以填an。 3．句意：他最终在闲鱼上买了一辆不错的二手电动自行车——价格只有新车的四分之一。本句缺少谓语动词；由前句的时间状语Last week，可知动作发生在过去，应用一般过去时，所以填ended。 4．句意：如今越来越多像他一样的年轻人选择做精明消费者，而且这个趋势正变得更强。句中缺少谓语动词，应用提示词的动词形式。由时间状语now和语境表明当前正在发展的趋势，时态应用现在进行时。主语this trend为单数，所以填is growing。 5．句意：买二手东西是他们的第一个省钱秘诀。修饰名词secret，需用形容词性物主代词；they对应的形式是 their。 6．句意：在平台上，他们几乎可以找到任何状况良好且价格低得多的东西。much修饰比较级；low的比较级是 lower，表示“更低的价格”。 7．句意：这不仅省钱，而且对环境也有好处。固定搭配be good for，意为“对……有益”。此处缺少介词，应填for。 8．句意：他们擅长使用应用程序来寻找食品、服装、日常服务等方面的折扣。本句已有谓语动词are，所以此处应用非谓语动词。根据句意可知，使用应用程序的目的是寻找低折扣的东西，所以此处应用不定式表目的状语，即to do的结构。所以填to find。 9．句意：他们想用省下来的钱做更重要的事，比如学习新技能、旅游，甚至为未来储蓄。skill为可数名词，其前没有冠词修饰，所以此处应用复数形式，表示“多种技能”。应填skills。 10．句意：对这些年轻人来说，花钱谨慎并不是小气。系动词being后接形容词，care的形容词形式为careful表示“谨慎的”；与后文“不是小气”形成对比，符合文意。应填careful。 07 请认真阅读下面短文，在答题卷标有题号的横线上，填入一个适当的单词或括号内单词的正确形式。 Many middle school students get pocket money from their parents every week. It is helpful for us to learn how to manage money 1 (wise). First, we should make a plan before spending. We can divide our pocket money 2 three parts: for daily needs, for fun, and for saving. For example, we can spend some on school things like 3 (notebook) or pens, some on healthy snacks or books we like, and put 4 rest into a piggy bank. It is not wise to buy too much junk food 5 expensive toys just to follow others. We must think 6 (two): “Do I really need this?” before opening our wallet. This helps us avoid 7 (waste) money on things we don’t need. It is important to have good habits of saving. We can put some money away for future use. Saving money teaches us to value our 8 (parent) hard work and develop a strong sense of duty. In a word, using pocket money in a right way helps us grow up 9 (well) than before. It not only makes our life more 10 (organize) but also helps us form good ideas about spending and saving. 【答案】 1．wisely 2．into 3．notebooks 4．the 5．or 6．twice 7．wasting 8．parents’ 9．better 10．organized 【导语】本文围绕中学生如何合理使用零花钱展开，介绍了制定消费计划、理性消费和养成储蓄习惯的重要性。 【详解】 1．句意：学会如何明智地理财对我们来说是有帮助的。此处需用副词修饰动词manage，wise的副词形式为wisely。 2．句意：我们可以把零花钱分成三部分：日常开销、娱乐和储蓄。固定搭配divide...into...“把……分成……”，故填介词into。 3．句意：例如，我们可以花一些钱在笔记本或钢笔等学习用品上。like后接的例子pens为复数形式，notebook也需用复数形式notebooks。 4．句意：剩下的钱存进存钱罐。固定搭配the rest“剩余的部分”，故填定冠词the。 5．句意：仅仅为了跟风就买太多垃圾食品或昂贵的玩具是不明智的。此处表示并列选择关系，连接“junk food”和“expensive toys”，故填连词or。 6．句意：在打开钱包之前，我们必须再三思考：“我真的需要这个吗？”固定搭配think twice“再三考虑”，two的副词形式twice符合语境。 7．句意：这有助于我们避免在不需要的东西上浪费钱。固定搭配avoid doing sth.“避免做某事”，waste的动名词形式为wasting。 8．句意：存钱教会我们珍惜父母的辛勤劳动，并培养强烈的责任感。此处表示“父母的辛勤劳动”，需用复数名词的所有格形式，parent的复数为parents，所有格形式为parents’。 9．句意：总之，正确使用零花钱有助于我们比以前成长得更好。根据“than before”可知，此处需用副词的比较级，well的比较级为better。 10．句意：它不仅让我们的生活更有条理，还帮助我们形成关于消费和储蓄的良好观念。此处需用形容词作宾语补足语，organize的形容词形式为organized，意为“有条理的”。 08 阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。 Children love pocket money (零花钱). Many parents give their children pocket money each week and allow them 1 (spend) it as they wish. Other parents don’t think it’s wise to do so. They think children should be taught that money doesn’t grow on trees and that 2 they need it, they have to do something to get it. So, some parents expect their children to make money 3 doing chores like washing the dishes or cleaning the house. And some parents even encourage their children to take on part-time jobs. Children usually spend all their money. Some parents encourage their children to save (存储) some in their own bank account. Then they can pay for their favorite things 4 (them). Pocket money actually has 5 big influence on children. It teaches them to develop good spending and saving habits. It 6 (educate) them important skills and values (价值观). Children understand that money is not unlimited (无限制的), then they will learn how to spend or save their money 7 (wise). They practice planning and making 8 (choice). They also learn more math skills through 9 (manage) money. Pocket money helps children become 10 (independent) as they get older. 【答案】 1．to spend 2．if/when 3．by 4．themselves 5．a 6．educates 7．wisely 8．choices 9．managing 10．more independent 【导语】本文主要讲述了父母给孩子零花钱的不同方式及其对孩子成长的影响，包括培养理财习惯、数学技能和独立性等。 1．句意：很多父母每周给孩子零花钱，并允许他们按自己的意愿花。allow sb. to do sth.表示“允许某人做某事”，空格处应填动词不定式to spend。故填to spend。 2．句意：他们认为应该让孩子明白钱不是树上长出来的，如果他们需要钱，他们就必须做些事来获得它。/他们认为应该让孩子明白钱不是树上长出来的，当他们需要钱时，他们必须做些事来获得它。根据“they need it, they have to do something to get it”可知，此处既可表示时间关系，也可表示条件关系。当表示时间关系时，应用连词when“当……时”引导时间状语从句，强调“当他们需要钱的时候，就必须做事挣钱”，侧重动作发生的时间节点；当表示条件关系时，应用连词if“如果”引导条件状语从句，强调“如果他们需要钱，就必须做事挣钱”，侧重动作发生的前提条件。故填if/when。 3．句意：因此，一些家长期望他们的孩子通过做家务，如洗碗或打扫房屋，来赚钱。根据“make money...doing chores”可知，此处表示通过做家务赚钱。介词by“通过”符合语境。故填by。 4．句意：然后他们就能自己支付喜欢的东西。此处强调“亲自”支付，空格处应填反身代词themselves指代主语they本身。故填themselves。 5．句意：零花钱实际上对孩子有重大影响。have a big influence on是固定搭配，表示“对……有重大影响”。故填a。 6．句意：它教会他们重要的技能与价值观。描述客观事实用一般现在时，主语It是第三人称单数，所以空格处应填educate的第三人称单数形式educates。故填educates。 7．句意：孩子们明白钱不是取之不尽的，然后他们就会学会如何明智地花钱或存钱。空格处缺少副词修饰动词spend和save，wise的副词形式是wisely。故填wisely。 8．句意：他们会练习做计划、做选择。make choices是固定搭配，表示“做选择”。故填choices。 9．句意：他们还能通过管理钱学到更多数学技能。through是介词，其后接动名词，manage的动名词形式是managing。故填managing。 10．句意：零花钱能帮助孩子在成长过程中变得更独立。根据“as they get older”可知，此处暗示“随着长大变得更独立”，空格处应填independent的比较级more independent。故填more independent。 09 阅读下面短文，在空白处填入一个恰当的单词或括号内所给单词的正确形式，并将答案写在答题卡相应的横线上。 Germans are known for their beers and soccer. But did you know that they also like to save money? Saving has a long history in Germany. The world’s 1 (one) savings bank opened in 1778 in Hamburg, a city in northern Germany. By 1836, there were more than 300 of these savings banks in the country. Germans take pride 2 how they manage their money. They are good at 3 (wait) for things they want, saving money instead of spending it right away. Germans think that saving money is a good habit. They are the top savers in the world, with families saving over eight 4 (percent) of their money in the last 20 years, according to the OECD (经济合作与发展组织). Why do Germans save so much? According to the Financial Times, being 5 (care) with money is a big part of how Germans see themselves. They 6 (strong) believe that saving money is a good character, like being honest or kind. It also shows that Germans like to plan for the future. According to Harold James, a 7 (research) at Princeton University, “The Germans are much more 8 (worry) about the future than Americans. For example, they think they need to prepare for everything that may happen, that bad things can hit them and that they need to 9 (be) ready for that.” Germans also think that saving money is important for their country. If every German 10 (keep) dropping coins into money boxes, Germany will become richer and stronger. 【答案】 1．first 2．in 3．waiting 4．percent 5．careful 6．strongly 7．researcher 8．worried 9．be 10．keeps 【导语】本文主要介绍了德国人是如何爱好储蓄。 【详解】 1．句意：世界上第一家储蓄银行于1778年在德国北部城市汉堡开业。根据所给词和句中“savings bank”可知，这里说的是世界上第一家储蓄银行，应用基数词one的序数词first，意为“第一”。故填first。 2．句意：德国人对自己的理财方式感到自豪。根据“Germans take pride”可知，此处是说德国人为他们的理财方式感到自豪，take pride in“为……感到自豪”，为固定短语。故填in。 3．句意：他们善于等待他们想要的东西，省钱而不是马上花掉。根据所给词和句中“They are good at”可知，此处是说他们擅长等待，be good at doing sth.“擅长做某事”。故填waiting。 4．句意：根据经合组织的数据，他们是世界上储蓄最多的人，在过去的20年里，他们的家庭储蓄超过了8%的钱。根据所给词和句中“over eight”可知，这里说的是超过8%，percent意为“百分比”，与具体数字连用时常用单数。故填percent。 5．句意：据英国《金融时报》报道，谨慎理财是德国人自我评价的重要组成部分。根据所给词和句中“being”可知，此处说的是小心理财，应用care的形容词careful，意为“小心的”。故填careful。 6．句意：他们坚信存钱是一种好品格，就像诚实或善良一样。根据所给词和句中“believe”可知，此处用副词strongly修饰动词“believe”，意为“强烈地”。故填strongly。 7．句意：普林斯顿大学（Princeton University）研究员哈罗德•詹姆斯（Harold James）表示：“德国人比美国人更担心未来……”根据所给词和句中“a”可知，这里是说哈罗德•詹姆斯是一名研究员。动词research的名词形式researcher，意为“研究员”，此处用单数。故填researcher。 8．句意：普林斯顿大学（Princeton University）研究员哈罗德•詹姆斯（Harold James）表示：“德国人比美国人更担心未来……”根据所给词和句中“The Germans are much more”可知，此处是说更加担心未来，be worried about“为……担心”，故填worried。 9．句意：例如，他们认为他们需要为可能发生的一切做好准备，坏事可能会袭击他们，他们需要为此做好准备。根据所给词和句中“they need to”可知，此处是说他们需要为此做好准备，need to do sth.“需要做某事”，此处用动词原形。故填be。 10．句意：如果每个德国人都把硬币投进存钱罐里，德国就会变得更富有、更强大。根据所给词和句中“Germany will become richer and stronger”可知，此处“If”引导的是条件状语从句，从句中用一般现在时，主语“every German”为第三人称单数，keep用第三人称单数。故填keeps。 10 阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。 Most kids have pocket money. Maybe it is not a lot, but it is enough to buy some snacks or something you like from time to time. When Tim was six, he 1 (start) receiving pocket money from his mother. When he turned seven, he got £7 a week. Now at the age of fifteen, he 2 (give) £15 every week. He has the raise in pocket money because he spends money 3 (wise). There is 4 shopping mall near Tim’s home. At weekends, he watches exciting movies with his friends, or takes his little brother to the play center there. He buys small presents 5 his grandparents when he visits them. Sometimes, he takes one-hour bus to museums and zoos in another town. When he has saved enough money, Tim goes to the bookstores 6 (buy) great books and donates them to children in need. His mother is satisfied with how he spends his money. She thinks it is a smart 7 (choose) to give Tim pocket money. “This habit can help Tim manage money 8 (well) than others,” she says. Tim’s mother even suggests giving pocket money to children as old 9 when they are four. “To learn how to deal with money is a useful life skill. Giving children pocket money in 10 (they) early years teaches them the importance of budgeting (预算).” 【答案】 1．started 2．is given 3．wisely 4．a 5．for 6．to buy 7．choice 8．better 9．as 10．their 【导语】本文主要介绍了蒂姆是如何花自己的零花钱的。 1．句意：当蒂姆六岁的时候，他开始从他妈妈那里收到零花钱。start“开始”。根据“When Tim was six”可知，这里描述的是过去发生的事情，所以动词要用一般过去时，start的过去式是started。故填started。 2．句意：现在十五岁的时候，他每周被给予15英镑。give“给”。这里主语he和谓语动词give之间是被动关系，即“他被给予零花钱”，且根据“Now”可知，句子是一般现在时的被动语态，其结构为“be+过去分词”，主语he是第三人称单数，所以be动词用is，give的过去分词是given。故填is given。 3．句意：他的零用钱增加了，因为他花钱很明智。wise“明智的”。根据“because he spends money”可知，此处修饰动词spends，应用副词wisely。故填wisely。 4．句意：蒂姆家附近有一个购物中心。根据“shopping mall near Tim’s home”可知，此处表泛指，表示“一个”购物中心，shopping mall是可数名词单数，且读音以辅音音素开头，所以用不定冠词a。故填a。 5．句意：当他去看望祖父母时，他会给他们买小礼物。buy sth. for sb.“给某人买某物”。故填for。 6．句意：当他攒够了钱，蒂姆就会去书店买一些好书并把它们捐赠给有需要的孩子。buy“买”。根据“When he has saved enough money, Tim goes to the bookstores...great books and donates them to children in need”可知，去书店的目的是买书，故此处应用动词不定式作目的状语。故填to buy。 7．句意：她认为给蒂姆零花钱是一个明智的选择。choose“选择”。根据“it is a smart”可知，空格处应用名词单数choice“选择”。故填choice。 8．句意：这个习惯能帮助蒂姆比其他人更好地管理钱财。well“好地”。根据“than”可知，此处应用副词比较级better“更好地”。故填better。 9．句意：蒂姆的母亲甚至建议给像四岁那么大的孩子零花钱。根据“as old”可知，as adj as“和……一样”。故填as。 10．句意：在他们年幼时给孩子们零花钱能教会他们预算的重要性。they“他们”。根据“early years”可知，此处应用形容词性物主代词their“他们的”修饰名词years。故填their。 学科网（北京）股份有限公司 $ 2026-2027学年九年级英语上册单元模块满分必刷题（新教材外研版） Unit 2 On the money【刷题型】(语法填空精准练) 人与自我—理财与消费 基础篇 01 “The Gift of the Magi” is a short story 1 the American writer O. Henry. He is known 2 the surprise endings in his stories. The story is about Della and Jim, a young couple with little money. Jim only 3 (make) $20 a week. Even though they’re poor, Della and Jim each have one prized treasure. For Della, it is her beautiful hair. For Jim, it is his gold watch. It’s Christmas Eve. Della has tried hard 4 (save) money to buy Jim a gift. But one dollar and eighty-seven cents is certainly not enough. It breaks 5 (she) heart. And so, she sells her hair to buy Jim a nice chain for his watch. When Jim comes home, he 6 (shock). Della’s hair 7 (be) gone! At first, Della thinks he’s angry with her, but there’s a surprise. Jim also brings Della a gift—an expensive set of combs for her hair. 8 does he do it? Jim sells his watch! “The Gift of the Magi” is 9 warm story. O. Henry does not invite us to laugh at them. 10 , he writes at the end that “they are the wisest”. They have something much more important than money—they have love. 02 Do you have pocket money? I think many 1 (child) have it. For me, having pocket money means that I can make 2 (I) own choices. I can also learn something I’m interested in. Money doesn’t grow on trees, so we should use it 3 (wise). So far, I 4 (save) 500 yuan already. Half of my money 5 (put) into my piggy bank every month—it’s much safer than keeping it in my schoolbag. When I want to buy something, I’ll ask its price at first and think 6 (two). Last week, I 7 (find) a pretty toy, but it’s too expensive for me. 8 I loved it very much, I still left without buying it. My mum praised me for this when I got home. Pocket money can not only help us buy the things we want, but also teach us 9 valuable life lesson. I hope that when I grow up, I’ll make money by myself and use it to make a 10 (different). 03 Emma was excited 1 (hear) about a big sale at a store near her home. Everything was 20% off, 2 she wanted to go shopping with her mum. Mrs Carson asked Emma what she wanted 3 (buy), but Emma wasn’t sure yet. She saw many nice things, 4 her mum reminded her that she already had enough clothes.Mrs Carson told Emma that we should spend money 5 (wise). “Needs are things that we must have, like food, clothes and a safe home,” she explained. “Wants, on 6 other hand, are things we desire but can live without.”Emma began 7 (realise) the importance of managing money wisely. By 8 (understand) the difference between needs and wants, she knew she could make better 9 (decide) about money. Now, before buying something, she always considers 10 it is a need or a want. 04 People get to know about money at a young age. But not everyone 1 (know) what to do with their money. Check out the following ideas and see if they are 2 (help). Put money in a bank When you get some money, will you put it in a bank? Why not? The money in the bank can grow over time. For example, if you save 1,000 yuan in a bank, you will get 1 (many) than that after a year. Spend money 2 (wise) After you have saved some money, you may want to buy something you like. But remember 3 (spend) your money wisely. Don't buy things that are not necessary. You can buy a pair of comfortable 4 (shoe) for your P. E. class instead of a lot of junk food. Give money away You can spend money not only for yourself, 1 also for people in need. It would be so nice 2 you to give your money to them. For example, there 3 (be) hungry people. They may need your help. Make more money Besides saving and spending, you can also make money by 1 (do) some housework. In return, your parents may give you some money. Or you may have a small sale to sell things you don't use anymore. 培优篇 05 阅读短文，在空白处填入一个适当的单词或用括号内所给词的正确形式填空，使短文通顺、连贯。 The idea of paper money first appeared in China 1,000 years ago. At that time, feiqian, an early form of paper-based exchange certificate, 1 (use) as a promise to pay rather than real paper money. During the Northern Song Dynasty, official jiaozi was issued (发行) and soon became widely used. It is considered the 2 (world) first official paper money. And now, China may become one of the first 3 (true) cashless societies. I live in China, and I travel outside the country from time to time. In China, I never carry my wallet with me, and I don’t even carry cash. However, when I go to other countries, it is 4 different story. Before travelling, I need 5 (make) sure my credit card is in my wallet, which is something I almost never do in China. Cash is still legal tender (法定货币) across China, 6 only a few people use it today. If we pay with a 100-yuan note, it’s possible that some small stores or taxi drivers may not be able to break it to give change (零钱). Since the introduction of the smartphone, many of us 7 (stop) carrying wallets because almost everything can be done on the phone. But now, even more convenient ways, like facial recognition (面部识别), are here. We can pay in many places 8 even taking out our phones． Countries such as Sweden and Norway mostly use credit cards and debit cards, which allow people to “touch and go”. The 9 (convenient) is hard to beat, but cards are still carried in wallets. Once again, China goes a step further and finds even 10 (easy) payment methods. 06 阅读下面短文, 在空白处填入1个适当的单词或括号内单词的正确形式。 Li Weiqi, a 24-year-old man working in Shenzhen, is smart with his money. When he 1 (eat) out after work, he seldom pays full price. He always uses apps to get discounts (折扣). Last week, he needed 2 e-bike to go to work, but new ones cost too much. He 3 (end) up buying a nice used e-bike on Xianyu－it only cost a quarter of the new one’s price. Li is not alone. More and more young people like him are choosing to be smart spenders and this trend (趋势) 4 (grow) stronger now. Buying second-hand things is 5 (they) first money-saving secret. On platforms, they can find almost anything in good condition at much 6 (low) prices. This not only saves money, but it’s also good 7 the environment. Their second secret is looking for discounts. They are good at using apps   8 (find) discounts on food, clothes, daily services and more. They often scan QR codes for cash rewards or wait for big sales on different platforms. Why do they do this? They want to use the saved money to do more important things, for example, learning new 9 (skill), traveling, or even saving for their future. For these young people, being 10 (care) with money isn’t being mean. It’s about making smart choices to live a better life. 07 请认真阅读下面短文，在答题卷标有题号的横线上，填入一个适当的单词或括号内单词的正确形式。 Many middle school students get pocket money from their parents every week. It is helpful for us to learn how to manage money 1 (wise). First, we should make a plan before spending. We can divide our pocket money 2 three parts: for daily needs, for fun, and for saving. For example, we can spend some on school things like 3 (notebook) or pens, some on healthy snacks or books we like, and put 4 rest into a piggy bank. It is not wise to buy too much junk food 5 expensive toys just to follow others. We must think 6 (two): “Do I really need this?” before opening our wallet. This helps us avoid 7 (waste) money on things we don’t need. It is important to have good habits of saving. We can put some money away for future use. Saving money teaches us to value our 8 (parent) hard work and develop a strong sense of duty. In a word, using pocket money in a right way helps us grow up 9 (well) than before. It not only makes our life more 10 (organize) but also helps us form good ideas about spending and saving. 08 阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。 Children love pocket money (零花钱). Many parents give their children pocket money each week and allow them 1 (spend) it as they wish. Other parents don’t think it’s wise to do so. They think children should be taught that money doesn’t grow on trees and that 2 they need it, they have to do something to get it. So, some parents expect their children to make money 3 doing chores like washing the dishes or cleaning the house. And some parents even encourage their children to take on part-time jobs. Children usually spend all their money. Some parents encourage their children to save (存储) some in their own bank account. Then they can pay for their favorite things 4 (them). Pocket money actually has 5 big influence on children. It teaches them to develop good spending and saving habits. It 6 (educate) them important skills and values (价值观). Children understand that money is not unlimited (无限制的), then they will learn how to spend or save their money 7 (wise). They practice planning and making 8 (choice). They also learn more math skills through 9 (manage) money. Pocket money helps children become 10 (independent) as they get older. 09 阅读下面短文，在空白处填入一个恰当的单词或括号内所给单词的正确形式，并将答案写在答题卡相应的横线上。 Germans are known for their beers and soccer. But did you know that they also like to save money? Saving has a long history in Germany. The world’s 1 (one) savings bank opened in 1778 in Hamburg, a city in northern Germany. By 1836, there were more than 300 of these savings banks in the country. Germans take pride 2 how they manage their money. They are good at 3 (wait) for things they want, saving money instead of spending it right away. Germans think that saving money is a good habit. They are the top savers in the world, with families saving over eight 4 (percent) of their money in the last 20 years, according to the OECD (经济合作与发展组织). Why do Germans save so much? According to the Financial Times, being 5 (care) with money is a big part of how Germans see themselves. They 6 (strong) believe that saving money is a good character, like being honest or kind. It also shows that Germans like to plan for the future. According to Harold James, a 7 (research) at Princeton University, “The Germans are much more 8 (worry) about the future than Americans. For example, they think they need to prepare for everything that may happen, that bad things can hit them and that they need to 9 (be) ready for that.” Germans also think that saving money is important for their country. If every German 10 (keep) dropping coins into money boxes, Germany will become richer and stronger. 10 阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。 Most kids have pocket money. Maybe it is not a lot, but it is enough to buy some snacks or something you like from time to time. When Tim was six, he 1 (start) receiving pocket money from his mother. When he turned seven, he got £7 a week. Now at the age of fifteen, he 2 (give) £15 every week. He has the raise in pocket money because he spends money 3 (wise). There is 4 shopping mall near Tim’s home. At weekends, he watches exciting movies with his friends, or takes his little brother to the play center there. He buys small presents 5 his grandparents when he visits them. Sometimes, he takes one-hour bus to museums and zoos in another town. When he has saved enough money, Tim goes to the bookstores 6 (buy) great books and donates them to children in need. His mother is satisfied with how he spends his money. She thinks it is a smart 7 (choose) to give Tim pocket money. “This habit can help Tim manage money 8 (well) than others,” she says. Tim’s mother even suggests giving pocket money to children as old 9 when they are four. “To learn how to deal with money is a useful life skill. Giving children pocket money in 10 (they) early years teaches them the importance of budgeting (预算).” 学科网（北京）股份有限公司 $