Unit 2 On the money 单元练习 2026-2027学年外研版英语九年级上册

**基本信息** 外研版九年级上册Unit 2 "On the Money"单元卷，围绕金钱管理主题，通过多题型融合语言能力与理财素养，适配单元复习，强化真实情境应用与跨文化认知。 **题型特征** |题型|题量|知识覆盖|命题特色| |----|----|----------|----------| |单项选择|15题|核心词汇（manage/donate/afford）、动词短语（make ends meet/give away）|聚焦基础词汇辨析，强化理财行为表达| |完形填空|10题|叙事性语篇，含预算记录、慈善捐赠等情节|以个人成长故事串联词汇运用，渗透责任意识| |阅读理解|3篇|不同国家消费习惯、青少年零花钱调查、小额信贷|跨文化对比与社会议题结合，提升信息筛选与批判性思维| |书面表达|1题|个人理财观念转变（乱花→预算/储蓄/捐赠）|结合生活经历，体现思维品质与学习能力迁移|

Unit 2 On the Money 单元检测试题 2026-2027学年外研版英语九年级上册 一、单项选择 1．We should learn to ______ our pocket money wisely instead of spending it on useless things. A. manage B. borrow C. lend D. waste 2．Many people ______ money to the charity to help homeless children every year. A. raise B. donate C. collect D. save 3．My parents always tell me not to buy things I can’t ______. A. offer B. provide C. afford D. give 4．It’s important to make a ______ before you go shopping to avoid buying unnecessary things. A. list B. plan C. budget D. note 5．With the help of the community, the poor family can finally ______. A. make ends meet B. make up their minds C. make a mistake D. make progress 6．Teenagers should be taught how to ______ their money from a young age. A. control B. manage C. count D. keep 7．The ______ of this project is to help small businesses get enough money to develop. A. purpose B. result C. method D. reason 8．I ______ to spend all my pocket money on snacks, but now I save half of it for books. A. was used B. used C. get used D. am used 9．The government has set up a fund to ______ those who lost their homes in the flood. A. support B. provide C. offer D. give 10．______ you save some money each month, you will be able to buy that bike soon. A. Unless B. If C. Because D. Though 11．Many online platforms now make it easy for people to ______ to charities. A. give in B. give up C. give away D. give out 12．My uncle ______ a small shop last year, and now it’s making good profits. A. invested B. invented C. invited D. introduced 13．It’s not wise to ______ all your money in one kind of investment. A. put B. spend C. take D. cost 14．The charity organization ______ food and clothes to the poor areas every winter. A. sends B. takes C. carries D. brings 15．We need to ______ the value of money to the younger generation. A. teach B. learn C. study D. show 二、完形填空 通读下面短文，掌握其大意，然后在各题所给的四个选项（A、B、C和D）中选出一个最佳选项。 When I was twelve years old, I was really bad at managing money. I would spend all my pocket money on toys and snacks as soon as I got it. One day, my dad talked to me seriously. He said, “Son, it’s time to learn how to 16________ your money. If you keep wasting it, you’ll never be able to buy the things you really want in the future.” I didn’t understand at first, but I decided to try his advice. I started keeping a 17________ of all my income and expenses. Every time I got pocket money, I put half of it into a savings box. The other half was for small 18________ like pencils or ice cream. After a few months, I was surprised to find that I had saved over 200 yuan. Just then, our class announced a charity activity to help children in a mountain village who couldn’t 19________ school supplies. I thought of my savings and decided to 20________ all of it to the charity. When I handed over the money, my teacher praised me and said I had set a good example for others. That day, I felt a strong sense of 21________. I realized that money wasn’t just for buying things for myself; it could also help people in need. Now, I still keep saving part of my pocket money. Sometimes I use it to buy books, and sometimes I donate it to 22________. I’ve learned that managing money well is not only about saving, but also about using it in a 23________ way. Last week, I helped my little sister make her first budget. She was excited to learn how to save her money for a new doll. I felt proud to pass on what I had 24________. Money is an important part of our lives, but it’s more important to know how to use it 25________. 16．A. save B. manage C. waste D. earn 17．A. diary B. book C. record D. note 18．A. needs B. wants C. things D. gifts 19．A. afford B. buy C. have D. get 20．A. take B. give C. donate D. send 21．A. pride B. happiness C. sadness D. surprise 22．A. schools B. hospitals C. charities D. families 23．A. clever B. right C. good D. meaningful 24．A. learned B. taught C. heard D. seen 25．A. quickly B. wisely C. easily D. freely 三、阅读理解 第一篇 Different countries have different spending habits. In the United States, people usually spend more than they earn, so many of them have credit cards. They use credit cards to buy things they want and pay back the money over time. However, this can lead to debt if they don’t manage their money well. In Japan, people are famous for saving money. They usually save a large part of their income. Many Japanese families have savings accounts and invest their money in safe places like banks. They believe that saving money can help them deal with unexpected problems in the future. In Germany, people value planning. They often make a budget for every month and stick to it. They don’t like to borrow money unless it’s necessary. German people also prefer to buy high-quality products that last a long time, even if they are more expensive. In China, with the development of digital payment, people now spend money more easily. Many people use mobile payment apps like Alipay or WeChat Pay. However, more and more young people are learning to manage their money well, saving part of their income every month. 26．What do many Americans use to buy things they want? A. Cash B. Credit cards C. Mobile payment D. Savings accounts 27．What are Japanese people famous for? A. Spending money freely B. Borrowing money often C. Saving money D. Buying cheap products 28．What do German people usually do every month? A. Make a budget B. Spend all their money C. Borrow money from banks D. Buy low-quality products 29．Which of the following is true about Chinese people now? A. They don’t use digital payment. B. All young people waste money. C. Many use mobile payment apps. D. They never save their income. 30．What’s the main idea of the passage? A. How to save money in different countries. B. Different spending habits in different countries. C. The importance of managing money. D. How digital payment changes people’s lives. 第二篇（判断正(T)误(F)） A Survey on Teenagers’ Pocket Money A recent survey shows that most teenagers in the UK get pocket money from their parents. The average amount is about £10 per week. But how do they spend it? About 40% of teenagers spend their pocket money on snacks and drinks. 25% use it to buy books or magazines. 15% save it for special things like new phones or games. Only 10% donate part of their money to charities. The survey also found that many teenagers don’t know how to manage their money well. 60% of them say they often run out of money before the end of the week. Some even borrow money from their friends or family. However, there are also some teenagers who are good at managing money. They make a budget every week and stick to it. They save part of their pocket money and use the rest wisely. These teenagers say they feel proud of themselves when they can buy something they really want with their own saved money. 31．Most UK teenagers get pocket money from their parents. 32．The average pocket money for UK teenagers is £20 per week. 33．Half of the teenagers spend their pocket money on snacks and drinks. 34．15% of teenagers save their pocket money for special things. 35．Many teenagers know how to manage their money well. 第三篇（选择最佳答案） Microcredit: Helping Poor People Start Businesses Microcredit is a kind of small loan given to poor people who can’t get loans from traditional banks. It started in Bangladesh in the 1970s. The idea is to help poor people start small businesses so that they can earn money and improve their lives. For example, a woman in a village might borrow $100 to buy some sewing machines. She can then make clothes and sell them to earn money. With the money she earns, she can pay back the loan and even save some for her family. Microcredit has helped millions of people around the world. In many countries, women are the main users of microcredit. Because they often have fewer opportunities to get jobs, starting their own businesses is a good way for them to support their families. However, microcredit also has some problems. Some people can’t pay back the loans because their businesses fail. Also, the interest rates on microcredit are sometimes higher than those of traditional banks. But overall, microcredit is still a useful way to help poor people improve their lives. 36．What is microcredit? A. A kind of small loan for poor people. B. A kind of traditional bank loan. C. A kind of charity donation. D. A kind of business investment. 37．Where did microcredit start? A. In China. B. In Bangladesh. C. In the US. D. In Germany. 38．Why do women often use microcredit? A. They have more money. B. They don’t need to pay back the loans. C. They have fewer job opportunities. D. They are good at running businesses. 39．What is a problem of microcredit? A. It helps too many people. B. The interest rates are sometimes high. C. People can’t use it to start businesses. D. It is not useful for poor people. 40．What’s the main idea of the passage? A. How to start a small business. B. The history of microcredit. C. The advantages and disadvantages of microcredit. D. How to get a loan from traditional banks. 四、任务型阅读 When I was in primary school, I didn’t care about money at all. My parents gave me pocket money every week, and I would spend it all on toys and candies. I never saved any money, and I even thought saving was a waste of time. When I entered junior high school, things changed. My math teacher taught us about budgeting and saving. She told us that if we saved part of our pocket money, we could buy something really important in the future. I decided to try it. First, I made a list of my weekly expenses. I found that I spent most of my money on snacks. So I decided to cut down on snacks. Every week, I put 5 yuan into a savings box. At first, it was hard, but after a few months, I had saved over 100 yuan. Last month, I used my saved money to buy a new dictionary. It was expensive, but I felt proud because I bought it with my own saved money. Now, I still save part of my pocket money every week. Sometimes I use it to buy books, and sometimes I donate it to the school charity fund. I’ve learned that managing money well is an important skill. It not only helps me buy the things I want, but also teaches me to be responsible. 根据短文内容，回答下列问题。 41．How did the writer spend his pocket money in primary school? ___________________________________________________________ 42．Who taught the writer about budgeting and saving? ___________________________________________________________ 43．What did the writer do to save money? ___________________________________________________________ 44．What did the writer buy with his saved money last month? ___________________________________________________________ 45．What has the writer learned about managing money? ___________________________________________________________ 五、完成句子 46．我们应该学会明智地管理我们的零花钱。 We should learn to ____ ____ ______ wisely. 47．很多人捐钱给慈善机构来帮助无家可归的人。 Many people ____ money ____ charities to help homeless people. 48．我过去常常把所有零花钱都花在零食上，但现在我存一半买书籍。 I ____ ____ ______ all my pocket money on snacks, but now I save half for books. 49．这个慈善项目的目的是帮助贫困地区的儿童。 The ____ ____ this charity program is to help children in poor areas. 50．如果你每月存一些钱，你很快就能买得起那辆自行车。 If you ____ some money every month, you will be able to ____ that bike soon. 六、短文填空 阅读下列材料，在空白处填入适当的内容（每空一词）或括号内单词的适当形式。 I still remember the day when I learned the importance of managing money. When I was ten years old, my parents gave me 20 yuan as pocket money. I was so happy and 51________ (decide) to buy all my favorite snacks. But by the end of the week, I had no money left, and I felt upset. My mom noticed this and talked to me. She said, “Money is not easy 52 ________(earn). You need to learn how to save and spend it wisely.” She then helped me make a small 53________ (budget). Every week, I could spend 10 yuan on snacks, and the other 10 yuan 54 ________(must) be saved. At first, it was difficult for me to stick to the budget. But after a few weeks, I got used to it. I even started to save more money. After six months, I 55________ (save) over 200 yuan. I used the money to buy a new football, which I had wanted for a long time. I felt so 56________ (pride) of myself. Now, I am good at 57________ (manage) my money. I always make a budget before I go shopping. I also donate part of my savings to charities every year. I have learned that money can not only bring me happiness, but also help 58________ (other) in need. Last week, I taught my little brother how to make a budget. He was excited to learn, and now he is saving money for a new toy car. I believe that 59________ (learn) to manage money early is a very important skill 60________ everyone. 七、书面表达 61．请以How to Spend Pocket Money Wisely为题，根据以下提示介绍你的理财观念。 1. 过去：乱花零花钱在零食、玩具上； 2. 现在：制定预算、储蓄、捐赠； 3. 你的感受与建议。 词数：100 词左右 提示词：pocket money, budget, save, donate, wisely 注意: 1. 表达中必须包含所给要点并进行适当发挥； 2. 词数100词左右； 3. 文中不得出现真实的姓名、校名和地名等信息。 How to Spend Pocket Money Wisely ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 参考答案 一、单项选择 1．A 2．B 3．C 4．C 5．A 6．B 7．A 8．B 9．A 10．B 11．C 12．A 13．A 14．A 15．A 二、完形填空 16．B 17．C 18．B 19．A 20．C 21．A 22．C 23．D 24．A 25．B 三、阅读理解 第一篇 26．B 27．C 28．A 29．C 30．B 第二篇 31．T 32．F 33．F 34．T 35．F 第三篇 36．A 37．B 38．C 39．B 40．C 四、任务型阅读 41．He spent all his pocket money on toys and candies. 42．His math teacher. 43．He made a list of weekly expenses, cut down on snacks, and put 5 yuan into a savings box every week. 44．A new dictionary. 45．He has learned that managing money well is an important skill which helps him buy things he wants and teaches him to be responsible. 五、完成句子 46．manage our pocket money 47．donate; to 48．used to spend 49．purpose of 50．save; afford 六、短文填空 51．decided 52．to earn 53．budget 54．must 55．had saved 56．proud 57．managing 58．others 59．learning 60．for 七、书面表达 例文 How to Spend Pocket Money Wisely When I was young, I used to spend all my pocket money on snacks and toys. I never saved any and often ran out of money before the week ended. Now, I’ve learned to spend my pocket money wisely. First, I make a budget every week. I set aside part of it for savings, use some for necessary things like stationery, and only spend a small amount on snacks. Sometimes I donate part of my savings to charities to help people in need. I think it’s important for teenagers to learn to manage pocket money. It not only helps us avoid wasting money but also teaches us to be responsible. I believe that with good habits, we can make our pocket money more meaningful. 学科网（北京）股份有限公司 $