Unit 4 Personal Finance单元重点易错复习专项练习2026-2027学年北师大版九年级英语上册

**基本信息** 聚焦九年级Unit 4个人理财主题，以短语-句型-语法为逻辑主线，通过九大易错考点分层训练（基础/提升/拓展），系统提炼解题方法，强化语言运用与逻辑思维。 **专项设计** |模块|题量/典例|方法提炼|知识逻辑| |----|-----------|----------|----------| |重点短语|20个核心短语|中英对照记忆法|词汇积累为语言运用奠基| |核心句型|8个黄金句型|中英互译训练|句型应用承接短语学习| |语法速览|4大语法点（被动语态等）|语法结构+易错提示|规则梳理构建语法体系| |易错考点训练|9考点（每考点3类题）|考点辨析+解题步骤|分层训练实现知识内化|

北师大版九年级上册 Unit 4 Personal Finance 单元重点易错复习专项练习 北师大版九年级上册 Unit 4 Personal Finance 单元重点2026易错复习专项练习 📚 第一部分：本单元重点短语汇总 Unit 4 Personal Finance 核心短语 1. create a budget 制定预算 2. track expenses 记录开支 3. save money 存钱 / save up for 为……攒钱 4. spend money on sth 花钱买某物 5. pay for 为……付款 6. afford to do sth 负担得起做某事 7. run out of 用完；耗尽 8. be wise with money 理智理财 9. make a plan 制定计划 10. set a goal 设定目标 11. cut down on 减少（开支） 12. put … to good use 充分利用 13. manage money 管理金钱 14. waste money 浪费钱 15. earn money 赚钱 16. keep … in mind 记住 17. get ready for 为……做准备 18. take action 采取行动 19. look for 寻找 20. in the end 最终；终于 💡 第二部分：本单元重点句型归纳 Unit 4 黄金句型（附中文） 1. I decided to save part of my pocket money every month. 我决定每月把零花钱的一部分存起来。 2. It is wise to make a budget before spending money. 花钱前制定预算是明智的。 3. She spent 200 yuan on a pair of wireless headphones. 她花200元买了一副无线耳机。 4. The bicycle cost him 350 dollars, but he earned it through wise management. 这辆自行车花了350美元，但他是通过明智的理财赚来的。 5. My goal is to save enough money to buy a laptop. 我的目标是攒够钱买一台笔记本电脑。 6. You should learn to tell the difference between needs and wants. 你应该学会区分“需要”和“想要”。 7. It is important for teenagers to manage money wisely. 对青少年来说，明智地理财很重要。 8. I used to spend all my money on snacks, but now I save some. 我过去把所有的钱都花在零食上，但现在我会存一些。 📐 第三部分：本单元重点语法速览 语法一：被动语态（一般现在时 & 一般过去时） ■ 一般现在时被动：am/is/are + 过去分词 English is spoken in many countries. The budget is made every month. ■ 一般过去时被动：was/were + 过去分词 The money was spent on books. The bicycle was bought with saved money. ■ 否定式：be + not + 过去分词 The homework was not finished on time. ■ 疑问式：Be + 主语 + 过去分词 + ? Was the goal achieved at last? 语法二：情态动词表推测（must / might / can't） ■ must 表示“一定”（非常有把握的肯定推测） This wallet must be Lily's. Her name is on it. ■ might / may 表示“可能”（把握不大） He might be saving money for a new phone. ■ can't 表示“不可能”（有把握的否定推测） The watch can't be expensive. It looks cheap. ⚠ 易错：mustn't 表示“禁止”，不表推测！ You mustn't spend all your money at once. 语法三：spend / cost / pay / take 花费辨析 ■ spend：人作主语 → sb spend(s) + 时间/金钱 + on sth / (in) doing sth She spent 50 yuan on the book. He spent two hours doing his budget. ■ cost：物作主语 → sth cost(s) + 人 + 金钱 The laptop cost him 3,000 yuan. ■ pay：人作主语 → sb pay(s) + 金钱 + for sth I paid 20 dollars for the ticket. ■ take：it作主语 → It takes/took sb + 时间 + to do sth It took her three months to save enough money. 语法四：used to / be used to 辨析 ■ used to do sth：过去常常做某事（现在不做了） I used to waste my pocket money on snacks. ■ be used to doing sth：惯于做某事（to 是介词） She is used to saving 20% of her income. ■ be used to do sth：被动语态，被用来做某事 A budget can be used to plan your spending. ⚠ 易错：be used to 后接名词/动名词，不接动词原形！ 🎯 第四部分：九大重点易错考点专项训练 考点一：spend / cost / pay / take 四大花费动词辨析 ◇ 基础题（选择题） （ ）1. Olivia ______ 50 yuan on a new notebook yesterday. A. spent B. cost C. paid D. took （ ）2. The wireless headphones ______ Chen Wei 200 dollars. A. spent B. cost C. paid D. took （ ）3. Zhou Kai ______ 30 dollars for his new basketball shoes. A. spent B. cost C. paid D. took ▷ 提升题（选择题） （ ）1. It ______ Lily two months to save enough money for the bicycle. A. spent B. cost C. paid D. took （ ）2. How much did you ______ on your new schoolbag? A. spend B. cost C. pay D. take （ ）3. The new phone ______ Bella 3,500 yuan, but she thought it was worth it. A. spent B. cost C. paid D. took ★ 拓展题（用所给词的正确形式填空） （ ）1. Zhang Hui ______ (spend) three hours making her monthly budget last night. （ ）2. The old bicycle ______ (cost) Jam only 80 yuan at the yard sale. （ ）3. It usually ______ (take) Lily about a week to save 50 yuan from her allowance. 考点二：被动语态（一般现在时 am/is/are + 过去分词） ◇ 基础题（选择题） （ ）1. In our school, a budget ______ every month by the students. A. is made B. was made C. will be made D. has been made （ ）2. Money ______ wisely by most teenagers in this club. A. manages B. is managed C. was managed D. will manage （ ）3. The pocket money ______ to Chen Wei every Friday. A. gives B. is given C. gave D. was given ▷ 提升题（选择题） （ ）1. — Are the expenses ______ carefully every week? — Yes, they are. A. tracked B. are tracked C. tracking D. is tracked （ ）2. A savings plan ______ by Olivia and her mom yesterday. A. makes B. made C. was made D. is made （ ）3. The books about personal finance ______ in the school library. A. can find B. can be found C. can found D. can to find ★ 拓展题（用所给动词的适当形式填空） （ ）1. The goal ______ (achieve) by Zhang Hui after six months of saving. （ ）2. Wise spending habits ______ (teach) to students in this school every term. （ ）3. The broken bicycle ______ (fix) by Jam’s father last weekend. 考点三：情态动词表推测：must / might / can’t 的用法 ◇ 基础题（选择题） （ ）1. The wallet on the ground ______ be Lily’s. Her name is written on it. A. might B. must C. can’t D. should （ ）2. He ______ be at home. I can see the lights are on. A. might B. must C. can’t D. could （ ）3. The watch ______ be expensive. It only cost 20 yuan. A. must B. might C. can’t D. should ▷ 提升题（选择题） （ ）1. — Whose notebook is this? — It ______ be Zhang Hui’s. Her name is on the cover. A. must B. might C. can’t D. would （ ）2. Chen Wei isn’t at school today. He ______ be ill at home. A. must B. might C. can’t D. will （ ）3. The bicycle ______ be Bella’s. She doesn’t even have one. A. must B. might C. can’t D. should ★ 拓展题（用 must / might / can’t 填空） （ ）1. The money ______ be Jam’s. He never saves anything! （ ）2. Olivia studies finance every day. She ______ know a lot about budgeting. （ ）3. Zhou Kai isn’t sure about the price. The phone ______ cost around 2,000 yuan. 考点四：used to do / be used to doing / be used to do 辨析 ◇ 基础题（选择题） （ ）1. Lily ______ waste all her pocket money on snacks, but now she saves some. A. is used to B. used to C. was used to D. uses to （ ）2. Zhang Hui ______ saving 20% of his allowance every month. It’s a good habit. A. used to B. is used to C. was used D. uses to （ ）3. A budget can ______ plan your spending wisely. A. use to B. be used to C. used to D. be used for ▷ 提升题（选择题） （ ）1. Jam ______ spend money carelessly, but after the lesson he changed. A. is used to B. used to C. was used to do D. uses to （ ）2. Bella is from Jinan. She ______ the cold weather there now. A. used to B. is used to C. was used to D. didn’t use to （ ）3. The money Olivia earned ______ buy a new laptop at last. A. is used to B. was used to C. used to D. was used for ★ 拓展题（用所给词的正确形式填空） （ ）1. Chen Wei didn’t ______ (use) to track his expenses, but now he does. （ ）2. Lily is ______ (use) to writing down every expense in her notebook. （ ）3. The saved money was ______ (use) to buy a birthday gift for her mom. 考点五：afford / enough to / too…to 句型转换 ◇ 基础题（选择题） （ ）1. The new phone is too expensive. I can’t ______ it. A. afford B. spend C. cost D. pay （ ）2. Zhou Kai has ______ money to buy the basketball he wants. A. too much B. enough C. so many D. such （ ）3. The bicycle is ______ expensive for Lily to afford. A. so B. such C. too D. very ▷ 提升题（选择题） （ ）1. Olivia is ______ a good saver that she can afford anything she needs. A. so B. such C. too D. enough （ ）2. Jam doesn’t have ______ money to buy the wireless headphones. A. too many B. enough C. so much D. such （ ）3. The price is ______ high that Chen Wei can’t afford the laptop. A. such B. too C. so D. very ★ 拓展题（用所给词的正确形式填空） （ ）1. Bella is too young ______ (afford) such an expensive watch. （ ）2. Zhang Hui has enough money ______ (buy) a new pair of shoes. （ ）3. The book was so interesting that Lily couldn’t ______ (stop) reading it. 考点六：make / let / have / help 使役动词 + 宾语 + 宾补 ◇ 基础题（选择题） （ ）1. Mom made Lily ______ a budget for her pocket money. A. make B. to make C. making D. made （ ）2. The teacher let the students ______ a shopping list in class. A. write B. to write C. writing D. wrote （ ）3. Chen Wei helped his sister ______ her savings goal. A. reach B. to reach C. reaching D. reached ▷ 提升题（选择题） （ ）1. The finance class made all the students ______ how to manage money. A. understand B. to understand C. understanding D. understood （ ）2. Lily’s parents don’t let her ______ money on unnecessary things. A. spend B. to spend C. spending D. spent （ ）3. The goal of the lesson is to have teenagers ______ wisely. A. save B. to save C. saving D. saved ★ 拓展题（用所给动词的正确形式填空） （ ）1. The teacher had Zhang Hui ______ (track) his daily expenses for a week. （ ）2. Olivia was made ______ (save) 30% of her allowance by her mom. （ ）3. Jam helped his brother ______ (create) a simple budget last month. 考点七：not only…but also / neither…nor 及就近原则 ◇ 基础题（选择题） （ ）1. Not only Lily but also her brother ______ how to make a budget. A. know B. knows C. knowing D. to know （ ）2. Neither Chen Wei nor his friends ______ much about personal finance. A. knows B. know C. is knowing D. are knowing （ ）3. Both Olivia and Bella ______ part of their money every month. A. save B. saves C. is saving D. was saving ▷ 提升题（选择题） （ ）1. Not only the students but also the teacher ______ excited about the finance project. A. are B. is C. were D. be （ ）2. Neither the father nor the children ______ the importance of saving money before. A. understands B. understand C. is understanding D. was understanding （ ）3. ______ Lily ______ Zhang Hui has enough money to buy the laptop. A. Either; or B. Neither; nor C. Both; and D. Not only; but also ★ 拓展题（用所给动词的正确形式填空） （ ）1. Not only Zhou Kai but also his classmates ______ (like) the finance class. （ ）2. Neither the boy nor his parents ______ (know) how much the watch costs. （ ）3. Both Jam and his sister ______ (have) a savings account at the bank. 考点八：run out of / be full of / be short of 短语辨析 ◇ 基础题（选择题） （ ）1. We have ______ all our pocket money. We need to stop spending. A. run out of B. run out C. run into D. run after （ ）2. The jar is ______ coins that Lily saved for a year. A. full with B. full of C. fill with D. filled of （ ）3. Chen Wei is ______ money, so he can’t buy the new phone. A. short for B. short of C. short with D. short on ▷ 提升题（选择题） （ ）1. Olivia’s savings will ______ soon if she keeps buying snacks every day. A. run out of B. run out C. run away D. run over （ ）2. The store is ______ customers who want to buy the cheap notebooks. A. fill of B. full with C. full of D. fill with （ ）3. Zhou Kai is ______ time, so he needs to make a budget quickly. A. short for B. short of C. short with D. short at ★ 拓展题（用所给短语的正确形式填空） （ ）1. Bella has ______ (run out of) her allowance, so she can’t go shopping. （ ）2. The box is ______ (full of) old toys that Jam wants to sell. （ ）3. Many families are ______ (short of) money during hard times. 考点九：if / unless 条件状语从句 & 主将来现 ◇ 基础题（选择题） （ ）1. If you ______ a budget, you will save money more easily. A. make B. makes C. made D. will make （ ）2. Unless Chen Wei ______ spending on snacks, he won’t reach his goal. A. stops B. stop C. will stop D. stopped （ ）3. If Lily ______ hard, she will earn enough for the bicycle. A. saves B. save C. will save D. saved ▷ 提升题（选择题） （ ）1. You won’t achieve your savings goal unless you ______ a plan first. A. make B. makes C. will make D. made （ ）2. If Olivia ______ tracking her expenses, she will know where her money goes. A. keep B. keeps C. will keep D. kept （ ）3. Unless the price ______ down, Zhang Hui won’t buy the phone. A. goes B. go C. will go D. went ★ 拓展题（用所给动词的正确形式填空） （ ）1. If Jam ______ (save) 20 yuan a week, he will have 80 yuan in a month. （ ）2. Unless Bella ______ (cut) down on snacks, she won’t reach her goal. （ ）3. You will waste money if you ______ (not plan) your spending. ✅ 第五部分：参考答案与详细解析 考点一：spend / cost / pay / take 辨析 ◇ 基础题： 1. A spend + 金钱 + on sth，人作主语。Olivia 是人，花50元买笔记本。 2. B cost 物作主语，sth cost(s) sb + 金钱。headphones 是物。 3. C pay + 金钱 + for sth，人作主语。pay for 为固定搭配。 ▷ 提升题： 1. D It takes/took sb + 时间 + to do sth。it 作形式主语。 2. A How much did you spend on...? spend 后接 on + 名词。 3. B cost 物作主语，过去式 cost 不变。the phone cost Bella... ★ 拓展题： 1. spent last night 提示过去时，spend 的过去式是 spent。 2. cost cost 的过去式与原形相同，此处描述过去事实。 3. takes usually 提示一般现在时，it takes sb + 时间 + to do。 考点二：被动语态（一般现在时 & 一般过去时） ◇ 基础题： 1. A every month 提示一般现在时，budget 与 make 是被动关系 → is made。 2. B by most teenagers 提示被动，一般现在时 → is managed。 3. B every Friday 提示一般现在时，money 与 give 被动 → is given。 ▷ 提升题： 1. A 被动语态结构：be + 过去分词。expenses 是复数，填 tracked。 2. C yesterday 提示一般过去时，a plan 与 make 被动 → was made。 3. B can 是情态动词，被动结构：can be + 过去分词 → can be found。 ★ 拓展题： 1. was achieved after six months 提示过去时，goal 与 achieve 被动。 2. are taught every term 提示一般现在时，habits 与 teach 被动。 3. was fixed last weekend 提示过去时，bicycle 与 fix 被动。 考点三：情态动词表推测 must / might / can’t ◇ 基础题： 1. B Her name is written on it → 非常有把握的肯定推测 → must。 2. B I can see the lights are on → 确定他一定在家 → must。 3. C It only cost 20 yuan → 不可能贵 → can’t。 ▷ 提升题： 1. A Her name is on the cover → 确定是她的 → must。 2. B isn’t at school 暗示可能生病在家，把握不大 → might。 3. C She doesn’t even have one → 不可能有自行车 → can’t。 ★ 拓展题： 1. can’t He never saves anything → 钱不可能是他的。 2. must studies finance every day → 确定她很懂预算。 3. might isn’t sure about the price → 把握不大，可能。 考点四：used to do / be used to doing / be used to do ◇ 基础题： 1. B but now 提示过去常常 → used to waste。 2. B is used to + doing，表示“惯于” → is used to saving。 3. B can be used to do sth，被动结构 → be used to plan。 ▷ 提升题： 1. B but after the lesson he changed → 过去常花钱大手大脚 → used to spend。 2. B is from Jinan, now 提示已惯习 → is used to the cold weather。 3. B was used to do sth，过去被动 → was used to buy。 ★ 拓展题： 1. use didn’t use to do 是固定结构，to 后接动词原形。 2. used is used to + doing，use 的过去分词是 used。 3. used was used to do，use 的过去分词是 used。 考点五：afford / enough to / too…to 句型 ◇ 基础题： 1. A can’t afford sth 负担不起，afford 后接名词/代词。 2. B have enough money to do sth 有足够的钱做某事。 3. C too + adj + for sb to do 太……以至于不能…… ▷ 提升题： 1. B . 2. B doesn’t have enough money 没有足够的钱。 3. C so + adj + that 从句，价格太高以至于买不起。 ★ 拓展题： 1. to afford too + adj + to do，afford 用原形。 2. to buy enough money to do sth。 3. stop couldn’t stop doing 忍不住做某事。 考点六：make / let / have / help 使役动词 ◇ 基础题： 1. A make sb do sth，省略 to 的不定式 → make a budget。 2. A let sb do sth → write a shopping list。 3. A help sb (to) do sth，to 可省略 → reach her goal。 ▷ 提升题： 1. A make sb do sth → understand how to manage money。 2. A don’t let sb do sth → spend money on...。 3. A have sb do sth → save wisely。 ★ 拓展题： 1. track have sb do sth，用动词原形。 2. to save be made to do sth（被动语态中 to 还原）→ was made to save。 3. create help sb (to) do sth，用动词原形。 考点七：并列连词及就近原则 ◇ 基础题： 1. B not only...but also 就近原则，brother 是单数 → knows。 2. B neither...nor 就近原则，friends 是复数 → know。 3. A both...and 连接复数主语 → save（复数动词）。 ▷ 提升题： 1. B not only...but also 就近原则，teacher 单数 → is。 2. B neither...nor 就近原则，children 复数 → understand。 3. B neither...nor 表示“既不……也不……”，两人都没钱。 ★ 拓展题： 1. like not only...but also 就近原则，but also 后 classmates 复数 → like。 2. know neither...nor 就近原则，parents 复数 → know。 3. have both...and 连接复数主语 → have。 考点八：run out of / full of / short of 辨析 ◇ 基础题： 1. A run out of + 宾语，表示“用完某物”。 2. B be full of 充满，固定搭配。 3. B be short of 缺少，固定搭配。 ▷ 提升题： 1. B run out 不及物，不接宾语。money 是主语，will run out。 2. C be full of 充满，正确搭配。 3. B be short of 缺少时间，正确搭配。 ★ 拓展题： 1. run out of has run out of 现在完成时，后接宾语 allowance。 2. full of is full of 充满旧玩具。 3. short of are short of money 缺钱。 考点九：if / unless 条件状语从句（主将来现） ◇ 基础题： 1. A if 引导条件状语从句，主句 will save（将来时），从句用一般现在时 make。 2. A unless = if...not，主句 won’t reach（将来时），从句用一般现在时 stops。 3. A if 从句，Lily 第三人称单数 → saves。 ▷ 提升题： 1. A unless 从句用一般现在时，you 是第二人称 → make。 2. B if 从句，Olivia 第三人称单数 → keeps。 3. A unless 从句，the price 单数 → goes down。 ★ 拓展题： 1. saves if 从句，Jam 单数 → saves。 2. cuts unless = if...not，Bella 单数 → cuts。 3. don’t plan if 从句否定，you 是第二人称 → don’t plan。 —— 练习完毕，请认真核对答案，查漏补缺！—— 祝同学们在 Unit 4 Personal Finance 单元考试中取得优异成绩！ 第 页 学科网（北京）股份有限公司 $