Unit 2 On the money 金钱和理财（单元阅读精练）英语新教材外研版九年级上册

**基本信息** 以“金钱与理财”为主题，构建从认知到实践的英语阅读训练体系，融合语言能力培养与理财思维塑造。 **专项设计** |模块|题量/典例|题型特征|知识逻辑| |----|-----------|----------|----------| |时文阅读|2篇阅读理解（说明文）|聚焦金钱与幸福关系、亲子金钱教育，考查细节理解与主旨归纳|从金钱认知（幸福与金钱）到教育实践（亲子理财），形成概念认知链条| |实战演练|4篇（应用文+说明文+七选五+完形填空）|涵盖活动通知信息提取、理财经验总结、用钱建议逻辑衔接、预算法应用，对应中考高频题型|从实践场景（工作坊）到方法指导（聪明用钱、50/30/20预算法），实现认知到应用的迁移|

Unit 2 On the money金钱和理财 单元阅读精练 模块 语篇 题型 体裁 词数 内容简介 时文阅读 Passage1 阅读理解 说明文 271 巨额奖金并不一定能带来持久的幸福。 Passage2 阅读理解 说明文 328 亲子金钱教育 实战演练 Passage1 阅读理解 应用文 188 一则理财工作坊的活动通知 Passage2 阅读理解 说明文 324 介绍理财生活经验 Passage3 七选五 说明文 338 围绕“聪明用钱”展开，给出四条建议 Passage4 完形填空 说明文 269 介绍了50/30/20预算法，将月收入按比例分配到“必需品”,“想要品”和“储蓄”三部分帮助人们合理规划收支 Passage1 In October, someone in South Carolina won $1.5 billion. The nearly impossible odds (概率) of winning were 1 in 302.5 million! Would this money actually make someone happy? The experiences of several lottery (抽奖) winners show that it probably wouldn’t. For example, William Post had only $2.46 in the bank when he won $16.2 million in a New York lottery in 1998. Within 3 months, he was poor again because of careless spending. He wasn’t as happy as he felt before winning the prize. Here is another example. Callie Rogers, a British teenager from a common family, won $3 million in 2003. She bought her family and friends lavish gifts and bought herself expensive clothes. After six years, Callie lost all her money and realized that money didn’t make her happy. In fact, she became worried that people were friendly with her only to get her money. Lottery winners are not the only ones who can end up unhappy. People who get big money for some other reasons, e.g., receiving money from others, are also at risk. They may not know how to deal with money. They waste money on things they don’t need. Researchers found that people are happy when they are able to pay for their basic needs, such as food, clothes, a safe place to live, and health care. People are also happy when they give reasonable (合理的) amounts of money to charities. People can hope and wish to suddenly come into lots of money to improve their lives, but perhaps there are better ways to find happiness. 【全文翻译】 十月，美国南卡罗来纳州有人赢得了 15 亿美元奖金，中奖概率微乎其微，只有 3.025 亿分之一！ 这笔钱真的能让人变得幸福吗？几位彩票中奖者的经历表明，答案很可能是否定的。例如 1998 年，威廉・波斯特在纽约彩票中斩获 1620 万美元大奖时，银行账户里只剩下 2.46 美元。由于毫无节制地花钱，短短三个月他就再度变得穷困潦倒，生活也没有中奖前快乐。 再举一个例子。出身普通家庭的英国少女卡莉・罗杰斯在 2003 年中了 300 万美元。她给家人和朋友赠送昂贵的礼物，也给自己购买大量高档服饰。六年之后，卡莉花光了所有奖金，也明白了金钱并没有给自己带来快乐。事实上，她整日忧心忡忡，害怕身边人对自己友善，只是贪图她的钱财。 并非只有彩票中奖者最终会过得不开心。因其他缘由获得巨额钱财的人，比如接受他人赠予巨款的人，也面临着同样的困扰。他们不懂如何管理钱财，把金钱浪费在各种非必需物品上。 研究人员发现，当人们能够负担衣食、安全住所、医疗服务这些基本生活开销时，便会产生幸福感；向慈善机构捐赠数额适中的钱款，同样能收获快乐。 人们可以憧憬一夜暴富来改善生活，但或许我们拥有更合适的方式去寻找幸福。 【长难句分析】 1. 原句：The nearly impossible odds of winning were 1 in 302.5 million! 分析：主干为主系表结构（The odds were 1 in 302.5 million）；nearly impossible 作前置定语修饰 odds；of winning 介词短语后置修饰 odds。 翻译：中奖的概率低得几乎不可能实现，仅有 3.025 亿分之一。 2. 原句：He wasn’t as happy as he felt before winning the prize. 分析：运用 as...as 同级比较的否定句式；before winning the prize 是现在分词短语，在状语从句中充当时间状语。 翻译：他的幸福感比不上中奖之前。 3. 原句：Researchers found that people are happy when they are able to pay for their basic needs, such as food, clothes, a safe place to live, and health care. 分析：主句包含 that 引导的宾语从句，宾语从句里嵌套 when 引导的时间状语从句；such as 用来列举说明前文的 basic needs。 翻译：研究人员发现，当人们可以负担食物、衣物、安全住所以及医疗这些基本需求时，就会感到幸福。 【重难词汇梳理】 1. ‌odds /ɒdz/ n.(复数) 概率，几率 2. lottery /ˈlɒtəri/ n. 彩票；抽奖 3. lavish /ˈlævɪʃ/ adj. 奢华的，昂贵的 4. charity /ˈtʃærəti/ n. 慈善；慈善机构 5. basic /ˈbeɪsɪk/ adj. 基本的，基础的 6. reasonable /ˈriːznəbl/ adj. 合理的，适度的 Passage2 Parents and children often face the challenges of money. Common topics include setting pocket money, learning to save, and deciding to buy expensive things. The goal of most parents is to teach their kids how to deal with money wisely. The goal of most kids is getting money to spend. How can families achieve these goals? The Tidler family in Denver found the best way to teach about money was to let their kids make some money. Their son, Ryan, 17, has been watering flowers in the garden since he was 8. He owned his own tools with the help of his parents. Now he has saved $7,800. Besides, he bought a bike and a wonderful sound system. And he is going to buy a car next year. Money skills are an important part of becoming a successful adult. DavidBrady manages a company aimed at children and young adults. “They shouldn’t always be thinking of spending money.” Brady warns. Instead, they should understand basic rules for making money, saving money, and managing money. That knowledge is greatly needed. Over the past ten years, most Americans aged 18 to 24 have borrowed nearly $3,000 on their credit cards (信用卡). Among high school seniors, four out of five have never taken a class about money. Giselle Lopez, 17, of New York City, learned the hard way. She owed (欠) $2,000 on her first credit card. Her parents refused to pay, so Giselle got a job. Then she paid the money off slowly by herself. “Now every time I use money, 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. 【全文翻译】 家长和孩子常常会面临和金钱相关的各类难题。常见问题包括零花钱数额设定、学习储蓄、决定是否购买贵重物品。大多数父母的目标是教会孩子理性理财，而大部分孩子的想法只是拿到钱用来消费。一个家庭该如何兼顾双方的需求呢？ 丹佛的蒂德勒家庭找到了理财教育的最优方法：让孩子自己挣钱。家中 17 岁的儿子瑞安从 8 岁开始就负责浇灌院子里的花草，在父母的协助下，他配备了专属的工具。如今他已经攒下 7800 美元，还用这笔钱购置了一辆自行车和一套不错的音响设备，并且计划明年入手一辆汽车。 掌握理财本领，是成长为一名优秀成年人必不可少的一环。戴维・布雷迪运营着一家面向青少年群体的公司，他提醒道：“孩子们不该一味只想着花钱。” 与之相反，他们需要弄懂赚钱、存钱、管钱的基本准则。 这类理财知识十分必要。过去十年里，多数 18 至 24 岁的美国年轻人信用卡负债接近 3000 美元。而高中应届毕业生中，五分之四的人从未上过任何理财相关课程。 来自纽约市 17 岁的吉赛尔・洛佩兹，为此付出了实实在在的教训。她的第一张信用卡欠下了 2000 美元债务，父母拒绝替她偿还，于是吉赛尔找了一份工作，靠自己慢慢还清了欠款。吉赛尔说：“现在我每花一笔钱，都清楚这份钱财来之不易，是自己辛苦挣来的，这也让我为自己的消费行为扛起了该有的责任。” 每个孩子对待金钱的处事方式各不相同，理财教育也不必依靠严苛的条条框框约束孩子。当孩子手握属于自己的收入、需要权衡开销时，他们自然会学会给自己建立消费规矩。 【长难句分析】 1. 原句：The Tidler family in Denver found the best way to teach about money was to let their kids make some money. 分析：主句主干：The Tidler family found (that)…；省略宾语从句引导词 that；to teach about money不定式作后置定语修饰 way；从句主干 the best way was to let their kids make some money。 翻译：丹佛的蒂德勒一家发现，教导孩子理财最好的方式就是让孩子自己去赚钱。 2. 原句：Over the past ten years, most Americans aged 18 to 24 have borrowed nearly $3,000 on their credit cards. 分析：Over the past ten years 为现在完成时标志；aged 18 to 24 过去分词短语后置修饰 Americans；have borrowed 是句子谓语。 翻译：在过去十年间，大多数 18 至 24 岁的美国人信用卡欠款将近 3000 美元。 3. 原句：When children like Ryan and Giselle have their own money to consider, they can learn to set those rules themselves. 分析：when 引导时间状语从句；不定式 to consider 后置修饰 money；主句主谓宾结构清晰。 翻译：当瑞安、吉赛尔这类孩子需要打理自己的钱财时，他们就能够学着给自己制定用钱准则。 【重难词汇梳理】 1. challenge /ˈtʃælɪndʒ/ n. 挑战，难题 2. wisely /ˈwaɪzli/ adv. 明智地，理智地 3. manage /ˈmænɪdʒ/ v. 管理；经营 4. credit /ˈkredɪt/ n. 信用；信贷 5. responsibility /rɪˌspɒnsəˈbɪləti/ n. 责任，责任感 6. strict /strɪkt/ adj. 严格的，严厉的 Passage1 （2026·广东·中考真题） Want your children to manage money wisely? Bring them to our free workshops! Our money workshops are for 7 to 12-year-old children. These workshops will be held in the city library on weekends. Each workshop can take up to 20 children. Workshop 1: Wise Spender (9 a.m.—10 a.m. Sat.) Aims: ▶ to understand “needs” and “wants” in spending ▶ to learn how to make a budget plan Example Activity Children are given some spending choices like buying a book or seeing a film. They work together and discuss what to spend on within a budget. Workshop 2: Smart Saver (4 p.m.—5 p.m. Sun.) Aims: ▶ to understand the benefits of saving ▶ to learn how to open a bank account Example Activity Children are divided into two groups. One group acts as bank managers and the other acts as customers who want to open an account. Why Choose Us? We use real-world examples to help children learn to make smarter decisions on money. How To Book? You need to complete a booking form and send it to us at booking@citylibrary.org. For more information, please visit www.citylibrary.org. 1．When are the money workshops held? A．On Thursdays and Saturdays. B．On Tuesdays and Sundays. C．On Mondays and Wednesdays. D．On Saturdays and Sundays. 2．What can children learn from Workshop 1? A．How to create a budget plan. B．How to make a saving plan. C．How to make a lot of money. D．How to open a bank account. 3．The example activity in Workshop 2 is ________. A．a card game B．a role-play game C．a word game D．a treasure-hunt game 4．What makes the workshops a good choice? A．Interesting books. B．Free lunch. C．Real-life examples. D．Smart robots. 5．How can people get more information about the workshops? A．By visiting the website. B．By sending an email. C．By making a phone call. D．By filling in the form. Passage2 （25-26九年级上·福建泉州·期中）At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算) . In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate (满足) us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt (怀疑) . 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 the key to making smart spending choices? A．Buying everything we want B．Planning before spending. C．Asking for more pocket money. D．Working hard like our parents. 2．What does the writer want kids to do by giving the example of buying a bicycle? A．Buy a wonderful notebook. B．Make a free spending choice. C．Set a goal of saving money. D．Have an experience of shopping. 3．What can we learn from the text? A．Achieving a savings goal is satisfying. B．Bank accounts are unnecessary for kids. C．Going shopping alone is a good idea. D．Parents should control all money. 4．What is the best title for the text? A．Causes of Spending Money B．Ways of Managing Money C．Purposes of Treating Money D．Conditions of Saving Money 5．The structure (结构) of the text is ________. (①= para. 1    ②= para. 2    ③= para. 3…) A． B． C． D． Passage3 （25-26九年级上·江西赣州·期末）请先阅读下面短文，掌握其大意，然后根据短文内容从下面的七个选项中选择五个还原到原文中，使短文意思通顺、结构完整，并在答题卡上将其序号涂黑。一空一句。 Using Money in a Smart Way We all use money. But how can we use it in a good way? It means we make a plan and think before we spend. Make a Simple Plan First, make a plan for your money. For example, if you have 100 yuan, you can decide: • Use half (50 yuan) for important things, like a school book. • Use some (30 yuan) for fun things, like an ice cream or a movie. • Save the rest (20 yuan) for later, maybe for a big gift. 1 This way, you won’t run out of money too fast. Wait and Think If you see something you like but don’t really need, wait for one day. Do you still want it tomorrow? 2 This helps you not buy things too quickly and then feel sorry. Know What You Really Need • What you need: Things you must have, like food for lunch, a pen for school, or a warm coat in winter. • What you want: Things that are nice but not so important, like a new toy, candy, or cool stickers. 3 Smart kids always buy what they need first. Saving is Good Saving money means keeping some for the future. You can save for a new bike, a book you like, or to help someone. 4 So, saving a little money often is a good habit. Money is a tool (工具). 5 When we use it with a plan, it helps us live better now and makes our future better too. A．It gives you money to do something important in the future. B．This plan helps you know where your money goes. C．So, it’s important to know the difference between “needs” and “wants”. D．You can also share your money with your friends. E．This waiting time lets your “wanting” feeling become quieter and smaller. F．It is not just for buying things you see now. G．To get more money, you should work hard. Passage 4 （2026·广东东莞·模拟预测）If you had a monthly income (收入) of 15,000 yuan, how much of it would you spend? And how would you save? Many people find budgeting (制定预算) 1 . They turn to popular budgeting apps, only to forget about them by the third day. Why not follow the 50/30/20 method? It is one of the most effective and simple budgeting methods around. According to this method, you should divide your monthly income into three 2 : 50% for “needs”, 30% for “wants”, and 20% for “savings”. “Needs” refers to the bills that you must 3 and the necessary things for survival. 4 , they include electricity and gas bills, transportation and food and drinks. These are “must-haves”. If you have to spend more than 50% of your income on your “needs”, you may need to 5 your lifestyle. For example, you may consider cooking at home, rather than eating out often. “Wants” refers to 6 costs. You choose to spend your money on these things, but could easily live without them. You could 7 at home instead of going to the sports center. You could watch sports on TV instead of getting tickets to the game. You could continue using your three-year-old backpack. 8 , you need to save 20% of your monthly income. Savings are 9 . You never know when you may lose your job or when an accident may take place. 10 the 50/30/20 method. It will help you live a happy life while making sure you have some savings to fall back on whenever you need them. 1．A．convenient B．difficult C．boring D．challenging 2．A．steps B．groups C．halves D．forms 3．A．pay B．buy C．return D．share 4．A．Suddenly B．Seriously C．Actually D．Simply 5．A．change B．enjoy C．improve D．create 6．A．unavailable B．uncertain C．unknown D．unnecessary 7．A．set out B．find out C．go out D．work out 8．A．As a result B．Last of all C．In short D．In general 9．A．popular B．important C．impossible D．limited 10．A．Develop B．Show C．Spread D．Try 2 原创精品资源学科网独家享有版权，侵权必究！ 1 / 9 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金钱和理财 单元阅读精练 模块 语篇 题型 体裁 词数 内容简介 时文阅读 Passage1 阅读理解 说明文 271 巨额奖金并不一定能带来持久的幸福。 Passage2 阅读理解 说明文 328 亲子金钱教育 实战演练 Passage1 阅读理解 应用文 188 一则理财工作坊的活动通知 Passage2 阅读理解 说明文 324 介绍理财生活经验 Passage3 七选五 说明文 338 围绕“聪明用钱”展开，给出四条建议 Passage4 完形填空 说明文 269 介绍了50/30/20预算法，将月收入按比例分配到“必需品”,“想要品”和“储蓄”三部分帮助人们合理规划收支 Passage1 In October, someone in South Carolina won $1.5 billion. The nearly impossible odds (概率) of winning were 1 in 302.5 million! Would this money actually make someone happy? The experiences of several lottery (抽奖) winners show that it probably wouldn’t. For example, William Post had only $2.46 in the bank when he won $16.2 million in a New York lottery in 1998. Within 3 months, he was poor again because of careless spending. He wasn’t as happy as he felt before winning the prize. Here is another example. Callie Rogers, a British teenager from a common family, won $3 million in 2003. She bought her family and friends lavish gifts and bought herself expensive clothes. After six years, Callie lost all her money and realized that money didn’t make her happy. In fact, she became worried that people were friendly with her only to get her money. Lottery winners are not the only ones who can end up unhappy. People who get big money for some other reasons, e.g., receiving money from others, are also at risk. They may not know how to deal with money. They waste money on things they don’t need. Researchers found that people are happy when they are able to pay for their basic needs, such as food, clothes, a safe place to live, and health care. People are also happy when they give reasonable (合理的) amounts of money to charities. People can hope and wish to suddenly come into lots of money to improve their lives, but perhaps there are better ways to find happiness. 【全文翻译】 十月，美国南卡罗来纳州有人赢得了 15 亿美元奖金，中奖概率微乎其微，只有 3.025 亿分之一！ 这笔钱真的能让人变得幸福吗？几位彩票中奖者的经历表明，答案很可能是否定的。例如 1998 年，威廉・波斯特在纽约彩票中斩获 1620 万美元大奖时，银行账户里只剩下 2.46 美元。由于毫无节制地花钱，短短三个月他就再度变得穷困潦倒，生活也没有中奖前快乐。 再举一个例子。出身普通家庭的英国少女卡莉・罗杰斯在 2003 年中了 300 万美元。她给家人和朋友赠送昂贵的礼物，也给自己购买大量高档服饰。六年之后，卡莉花光了所有奖金，也明白了金钱并没有给自己带来快乐。事实上，她整日忧心忡忡，害怕身边人对自己友善，只是贪图她的钱财。 并非只有彩票中奖者最终会过得不开心。因其他缘由获得巨额钱财的人，比如接受他人赠予巨款的人，也面临着同样的困扰。他们不懂如何管理钱财，把金钱浪费在各种非必需物品上。 研究人员发现，当人们能够负担衣食、安全住所、医疗服务这些基本生活开销时，便会产生幸福感；向慈善机构捐赠数额适中的钱款，同样能收获快乐。 人们可以憧憬一夜暴富来改善生活，但或许我们拥有更合适的方式去寻找幸福。 【长难句分析】 1. 原句：The nearly impossible odds of winning were 1 in 302.5 million! 分析：主干为主系表结构（The odds were 1 in 302.5 million）；nearly impossible 作前置定语修饰 odds；of winning 介词短语后置修饰 odds。 翻译：中奖的概率低得几乎不可能实现，仅有 3.025 亿分之一。 2. 原句：He wasn’t as happy as he felt before winning the prize. 分析：运用 as...as 同级比较的否定句式；before winning the prize 是现在分词短语，在状语从句中充当时间状语。 翻译：他的幸福感比不上中奖之前。 3. 原句：Researchers found that people are happy when they are able to pay for their basic needs, such as food, clothes, a safe place to live, and health care. 分析：主句包含 that 引导的宾语从句，宾语从句里嵌套 when 引导的时间状语从句；such as 用来列举说明前文的 basic needs。 翻译：研究人员发现，当人们可以负担食物、衣物、安全住所以及医疗这些基本需求时，就会感到幸福。 【重难词汇梳理】 1. ‌odds /ɒdz/ n.(复数) 概率，几率 2. lottery /ˈlɒtəri/ n. 彩票；抽奖 3. lavish /ˈlævɪʃ/ adj. 奢华的，昂贵的 4. charity /ˈtʃærəti/ n. 慈善；慈善机构 5. basic /ˈbeɪsɪk/ adj. 基本的，基础的 6. reasonable /ˈriːznəbl/ adj. 合理的，适度的 Passage2 Parents and children often face the challenges of money. Common topics include setting pocket money, learning to save, and deciding to buy expensive things. The goal of most parents is to teach their kids how to deal with money wisely. The goal of most kids is getting money to spend. How can families achieve these goals? The Tidler family in Denver found the best way to teach about money was to let their kids make some money. Their son, Ryan, 17, has been watering flowers in the garden since he was 8. He owned his own tools with the help of his parents. Now he has saved $7,800. Besides, he bought a bike and a wonderful sound system. And he is going to buy a car next year. Money skills are an important part of becoming a successful adult. DavidBrady manages a company aimed at children and young adults. “They shouldn’t always be thinking of spending money.” Brady warns. Instead, they should understand basic rules for making money, saving money, and managing money. That knowledge is greatly needed. Over the past ten years, most Americans aged 18 to 24 have borrowed nearly $3,000 on their credit cards (信用卡). Among high school seniors, four out of five have never taken a class about money. Giselle Lopez, 17, of New York City, learned the hard way. She owed (欠) $2,000 on her first credit card. Her parents refused to pay, so Giselle got a job. Then she paid the money off slowly by herself. “Now every time I use money, 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. 【全文翻译】 家长和孩子常常会面临和金钱相关的各类难题。常见问题包括零花钱数额设定、学习储蓄、决定是否购买贵重物品。大多数父母的目标是教会孩子理性理财，而大部分孩子的想法只是拿到钱用来消费。一个家庭该如何兼顾双方的需求呢？ 丹佛的蒂德勒家庭找到了理财教育的最优方法：让孩子自己挣钱。家中 17 岁的儿子瑞安从 8 岁开始就负责浇灌院子里的花草，在父母的协助下，他配备了专属的工具。如今他已经攒下 7800 美元，还用这笔钱购置了一辆自行车和一套不错的音响设备，并且计划明年入手一辆汽车。 掌握理财本领，是成长为一名优秀成年人必不可少的一环。戴维・布雷迪运营着一家面向青少年群体的公司，他提醒道：“孩子们不该一味只想着花钱。” 与之相反，他们需要弄懂赚钱、存钱、管钱的基本准则。 这类理财知识十分必要。过去十年里，多数 18 至 24 岁的美国年轻人信用卡负债接近 3000 美元。而高中应届毕业生中，五分之四的人从未上过任何理财相关课程。 来自纽约市 17 岁的吉赛尔・洛佩兹，为此付出了实实在在的教训。她的第一张信用卡欠下了 2000 美元债务，父母拒绝替她偿还，于是吉赛尔找了一份工作，靠自己慢慢还清了欠款。吉赛尔说：“现在我每花一笔钱，都清楚这份钱财来之不易，是自己辛苦挣来的，这也让我为自己的消费行为扛起了该有的责任。” 每个孩子对待金钱的处事方式各不相同，理财教育也不必依靠严苛的条条框框约束孩子。当孩子手握属于自己的收入、需要权衡开销时，他们自然会学会给自己建立消费规矩。 【长难句分析】 1. 原句：The Tidler family in Denver found the best way to teach about money was to let their kids make some money. 分析：主句主干：The Tidler family found (that)…；省略宾语从句引导词 that；to teach about money不定式作后置定语修饰 way；从句主干 the best way was to let their kids make some money。 翻译：丹佛的蒂德勒一家发现，教导孩子理财最好的方式就是让孩子自己去赚钱。 2. 原句：Over the past ten years, most Americans aged 18 to 24 have borrowed nearly $3,000 on their credit cards. 分析：Over the past ten years 为现在完成时标志；aged 18 to 24 过去分词短语后置修饰 Americans；have borrowed 是句子谓语。 翻译：在过去十年间，大多数 18 至 24 岁的美国人信用卡欠款将近 3000 美元。 3. 原句：When children like Ryan and Giselle have their own money to consider, they can learn to set those rules themselves. 分析：when 引导时间状语从句；不定式 to consider 后置修饰 money；主句主谓宾结构清晰。 翻译：当瑞安、吉赛尔这类孩子需要打理自己的钱财时，他们就能够学着给自己制定用钱准则。 【重难词汇梳理】 1. challenge /ˈtʃælɪndʒ/ n. 挑战，难题 2. wisely /ˈwaɪzli/ adv. 明智地，理智地 3. manage /ˈmænɪdʒ/ v. 管理；经营 4. credit /ˈkredɪt/ n. 信用；信贷 5. responsibility /rɪˌspɒnsəˈbɪləti/ n. 责任，责任感 6. strict /strɪkt/ adj. 严格的，严厉的 Passage1 （2026·广东·中考真题） Want your children to manage money wisely? Bring them to our free workshops! Our money workshops are for 7 to 12-year-old children. These workshops will be held in the city library on weekends. Each workshop can take up to 20 children. Workshop 1: Wise Spender (9 a.m.—10 a.m. Sat.) Aims: ▶ to understand “needs” and “wants” in spending ▶ to learn how to make a budget plan Example Activity Children are given some spending choices like buying a book or seeing a film. They work together and discuss what to spend on within a budget. Workshop 2: Smart Saver (4 p.m.—5 p.m. Sun.) Aims: ▶ to understand the benefits of saving ▶ to learn how to open a bank account Example Activity Children are divided into two groups. One group acts as bank managers and the other acts as customers who want to open an account. Why Choose Us? We use real-world examples to help children learn to make smarter decisions on money. How To Book? You need to complete a booking form and send it to us at booking@citylibrary.org. For more information, please visit www.citylibrary.org. 1．When are the money workshops held? A．On Thursdays and Saturdays. B．On Tuesdays and Sundays. C．On Mondays and Wednesdays. D．On Saturdays and Sundays. 2．What can children learn from Workshop 1? A．How to create a budget plan. B．How to make a saving plan. C．How to make a lot of money. D．How to open a bank account. 3．The example activity in Workshop 2 is ________. A．a card game B．a role-play game C．a word game D．a treasure-hunt game 4．What makes the workshops a good choice? A．Interesting books. B．Free lunch. C．Real-life examples. D．Smart robots. 5．How can people get more information about the workshops? A．By visiting the website. B．By sending an email. C．By making a phone call. D．By filling in the form. 【答案】1．D 2．A 3．B 4．C 5．A 【导语】本文是一则理财工作坊的活动通知，介绍了为7-12岁儿童免费举办的“明智的消费者”和“聪明的储蓄者”两个周末工作坊的内容、活动形式及报名方式。 【详解】 1．由“Workshop 1”部分“9 a.m.—10 a.m. Sat.”和“Workshop 2”部分“4 p.m.—5 p.m. Sun.”可知，工作坊在周六和周日举行。 2．由“Workshop 1: Wise Spender”部分“Aims: to learn how to make a budget plan”可知，孩子们在工作坊1中可以学习如何制定预算计划。 3．由“Workshop 2: Smart Saver”部分“Example Activity: One group acts as bank managers and the other acts as customers...”可知，这是角色扮演活动。 4．由“Why Choose Us”部分“We use real-world examples”可知，工作坊使用真实案例来帮助孩子学习。 5．由“How To Book”部分“For more information, please visit www.citylibrary.org.”可知，可以通过访问网站获取更多信息。 Passage2 （25-26九年级上·福建泉州·期中）At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算) . In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate (满足) us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt (怀疑) . 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 the key to making smart spending choices? A．Buying everything we want B．Planning before spending. C．Asking for more pocket money. D．Working hard like our parents. 2．What does the writer want kids to do by giving the example of buying a bicycle? A．Buy a wonderful notebook. B．Make a free spending choice. C．Set a goal of saving money. D．Have an experience of shopping. 3．What can we learn from the text? A．Achieving a savings goal is satisfying. B．Bank accounts are unnecessary for kids. C．Going shopping alone is a good idea. D．Parents should control all money. 4．What is the best title for the text? A．Causes of Spending Money B．Ways of Managing Money C．Purposes of Treating Money D．Conditions of Saving Money 5．The structure (结构) of the text is ________. (①= para. 1    ②= para. 2    ③= para. 3…) A． B． C． D． 【答案】1．B 2．C 3．A 4．B 5．A 【导语】本文开篇指出我们从小会模仿父母的消费习惯，随后分四段介绍四条理财生活经验，最后总结正确看待金钱、逐步培养理财观念的重要性。 【详解】 1．根据文章第三段“It’s important for us to have a budget. In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover everything we want, we should make smart spending choices.”，做好预算、消费前规划是理性消费的关键。 2．根据文章第四段“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.”，作者举买自行车的例子，是为了告诉我们要设立存钱目标。 3．根据文章第四段“After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate us.”，完成储蓄目标会让人获得满足感。 4．全文围绕四条管理金钱的方法展开，核心主题是理财的方式。 5．文章第一段总起引出理财经验，第二至第五段并列介绍四条理财方法，第六段总结全文，属于总分总结构，总段①，分述②③④⑤，总结段⑥，对应图示A。 Passage3 （25-26九年级上·江西赣州·期末）请先阅读下面短文，掌握其大意，然后根据短文内容从下面的七个选项中选择五个还原到原文中，使短文意思通顺、结构完整，并在答题卡上将其序号涂黑。一空一句。 Using Money in a Smart Way We all use money. But how can we use it in a good way? It means we make a plan and think before we spend. Make a Simple Plan First, make a plan for your money. For example, if you have 100 yuan, you can decide: • Use half (50 yuan) for important things, like a school book. • Use some (30 yuan) for fun things, like an ice cream or a movie. • Save the rest (20 yuan) for later, maybe for a big gift. 1 This way, you won’t run out of money too fast. Wait and Think If you see something you like but don’t really need, wait for one day. Do you still want it tomorrow? 2 This helps you not buy things too quickly and then feel sorry. Know What You Really Need • What you need: Things you must have, like food for lunch, a pen for school, or a warm coat in winter. • What you want: Things that are nice but not so important, like a new toy, candy, or cool stickers. 3 Smart kids always buy what they need first. Saving is Good Saving money means keeping some for the future. You can save for a new bike, a book you like, or to help someone. 4 So, saving a little money often is a good habit. Money is a tool (工具). 5 When we use it with a plan, it helps us live better now and makes our future better too. A．It gives you money to do something important in the future. B．This plan helps you know where your money goes. C．So, it’s important to know the difference between “needs” and “wants”. D．You can also share your money with your friends. E．This waiting time lets your “wanting” feeling become quieter and smaller. F．It is not just for buying things you see now. G．To get more money, you should work hard. 【答案】1．B 2．E 3．C 4．A 5．F 【导语】本文围绕“聪明用钱”展开，给出四条建议：制定简单计划、等待思考再消费、区分“需要”与“想要”、养成储蓄习惯；最后强调金钱是工具，需有计划地使用以改善当下和未来生活。 【详解】 1．前文讲“制定100元的花钱计划（50元重要事、30元娱乐、20元储蓄）”，后文讲“这样不会很快花光钱”，B项“This plan helps you know where your money goes.”总结计划的作用，衔接前后文。 2．前文讲“看到喜欢但非必需的东西，等一天再决定”，后文讲“避免冲动消费后后悔”，E项“This waiting time lets your ‘wanting’ feeling become quieter and smaller.”解释等待的意义，衔接前后文的消费建议。 3．前文区分“需要”和“想要”，后文讲“聪明的孩子先买需要的”，C项“So, it’s important to know the difference between ‘needs’ and ‘wants’.”总结该段核心，衔接前后文的消费优先级。 4．前文讲“储蓄是为未来留钱”，后文讲“经常存点钱是好习惯”，A项“It gives you money to do something important in the future.”强调储蓄的价值，衔接前后文的储蓄建议。 5．前文讲“金钱是工具”，后文讲“有计划地使用能改善当下和未来”，F项“It is not just for buying things you see now.”拓展金钱的用途，呼应后文“未来”的价值，衔接逻辑。 Passage 4 （2026·广东东莞·模拟预测）If you had a monthly income (收入) of 15,000 yuan, how much of it would you spend? And how would you save? Many people find budgeting (制定预算) 1 . They turn to popular budgeting apps, only to forget about them by the third day. Why not follow the 50/30/20 method? It is one of the most effective and simple budgeting methods around. According to this method, you should divide your monthly income into three 2 : 50% for “needs”, 30% for “wants”, and 20% for “savings”. “Needs” refers to the bills that you must 3 and the necessary things for survival. 4 , they include electricity and gas bills, transportation and food and drinks. These are “must-haves”. If you have to spend more than 50% of your income on your “needs”, you may need to 5 your lifestyle. For example, you may consider cooking at home, rather than eating out often. “Wants” refers to 6 costs. You choose to spend your money on these things, but could easily live without them. You could 7 at home instead of going to the sports center. You could watch sports on TV instead of getting tickets to the game. You could continue using your three-year-old backpack. 8 , you need to save 20% of your monthly income. Savings are 9 . You never know when you may lose your job or when an accident may take place. 10 the 50/30/20 method. It will help you live a happy life while making sure you have some savings to fall back on whenever you need them. 1．A．convenient B．difficult C．boring D．challenging 2．A．steps B．groups C．halves D．forms 3．A．pay B．buy C．return D．share 4．A．Suddenly B．Seriously C．Actually D．Simply 5．A．change B．enjoy C．improve D．create 6．A．unavailable B．uncertain C．unknown D．unnecessary 7．A．set out B．find out C．go out D．work out 8．A．As a result B．Last of all C．In short D．In general 9．A．popular B．important C．impossible D．limited 10．A．Develop B．Show C．Spread D．Try 【答案】 1．B 2．B 3．A 4．C 5．A 6．D 7．D 8．B 9．B 10．D 【导语】本文介绍了50/30/20预算法，讲解了该方法将月收入按比例分配到“必需品”,“想要品”和“储蓄”三部分的具体内容，帮助人们合理规划收支。 1．句意：很多人觉得制定预算很难。 根据后文“They turn to popular budgeting apps, only to forget about them by the third day.”可知，人们用预算软件也会很快忘记，说明制定预算对很多人来说是困难的，difficult符合文意。 2．句意：根据这个方法，你应该把月收入分成三个部分：50%用于“必需品”，30%用于“想要品”，20%用于“储蓄”。 后文明确列出了三个不同用途的收入分配比例，groups表示类别、部分，符合将收入划分成三类的语境。 3．句意：“必需品”指你必须支付的账单和生存所需的必要物品。 bills“账单”的常用搭配是pay the bills，表示“支付账单”。 4．句意：实际上，它们包括电费和燃气费、交通费以及饮食费用。前文先对“必需品”做了定义，后文具体列举了包含的项目，actually用于承接定义、引出具体实例，符合逻辑。 5．句意：如果你在“必需品”上的支出超过了收入的50%，你就需要改变你的生活方式。 后文举例说明可以在家做饭代替频繁外出就餐，这是对生活方式的调整，change符合语境。 6．句意：“想要品”指非必要的开销。 根据后文“You choose to spend your money on these things, but could easily live without them.”可知，这些开销是没有也能生活的，即非必要的，unnecessary符合文意。 7．句意：你可以在家锻炼，而不是去体育中心。 work out表示锻炼，与后文“going to the sports center”（去体育中心）形成对应，符合语境。 8．句意：最后，你需要每月存下20%的收入。 前文分别介绍了“必需品”和“想要品”两部分，此处介绍最后一部分“储蓄”，last of all用于引出最后一个要点，符合逻辑。 9．句意：储蓄很重要。 根据后文“You never know when you may lose your job or when an accident may take place.”可知，储蓄能应对失业、意外等突发情况，说明储蓄的重要性，important符合文意。 10．句意：试试50/30/20这个方法。 后文提到这个方法能帮你过上幸福生活，同时保证有储蓄可依靠，try用于发出尝试方法的倡议，符合结尾的呼吁逻辑。 2 原创精品资源学科网独家享有版权，侵权必究！ 1 / 9 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $