Unit 4 Personal Finance（单元分层自测·基础通关卷）英语新教材北师大版九年级上册

2026-2027学年九年级上册英语单元自测 Unit 4 Personal Finance·基础通关 学校:___________班级：___________姓名：___________分数：___________ （时间：90分钟，满分：100分） 一．单词拼写（15分） 1.He studies ________(金融) at university. 2.I collect a lot of ________(邮票) in my free time. 3.She is a good ________(听者) for her friends. 4.We can’t ________(买得起) such an expensive house. 5.The girl with a ________(微笑的) face is my cousin. 6.These desks are made of ________(回收利用的) wood. 7.The show will ________(吸引) lots of young people. 8.The shop provides good service for every ________(顾客). 9.We enjoyed the ________(美丽) of the lake at sunrise. 10.Wood is a useful building ________(材料). 11.We hold a meeting ________(每月一次). 12.I am busy ________(此刻). Call me later. 13.His new ________(滑板) was lost yesterday. 14.You should make a ________(预算) before travelling. 15.Travelling brings many unexpected ________(开销). 二．首字母填空（20分） 1.We receive our pocket money m________. 2.I’m busy a________ m________. Please wait. 3.The boy rides his s________ in the park every weekend. 4.You need to set a b________ for your shopping. 5.Food is one of our daily e________. 6.This w________ keyboard works without wires. 7.Most students are e________ for the coming holiday. 8.Please l________ me your notebook; I left mine at home. 9.Scientists t________ the birds by special tools. 10.He is s________ u________ for a new bicycle. 11.Keep the sweets in a t________ box. 12.Paper and glass are r________ waste. 13.This short poem has three s________. 14.He won a big f________ from his hard work. 15.The singer’s f________ spread across the whole country. 16.Books about f________ teach you how to manage money. 17.These old s________ are quite valuable. 18.To be a good l________, keep quiet when others speak. 19.Many families can hardly a________ rising prices. 20.The s________ face on the poster makes people happy. 三．用所给词适当形式填空（15分） 1.We were surprised by the ________(beautiful) of the mountain. 2.We get our pay ________(month). 3.You should control your travel ________(expense). 4.He is ________(eagerly) to take part in the competition. 5.Please ________(lend) me your dictionary. 6.People use different ________(material) to make clothes. 7.Scientists keep ________(track) of wild animals. 8.We are ________(save) up for our summer trip. 9.These cans are ________(recycle). Don’t throw them away. 10.The poem has five ________(stanza). 11.He got great ________(famous) for his paintings. 12.No one can ________(afford) such high prices. 13.He has many old ________(stamp) from foreign countries. 14.We need to learn some knowledge about ________(finance). 15.The ________(wire) earphones are very popular now. 四．完成句子（20分） 1.You need to ____________(制定预算) before you go travelling. 2.It’s a good habit to ____________(记录开支) every month. 3.My brother tries his best to ____________(存钱) for a new skateboard. 4.Don’t ____________(花钱买) useless toys. 5.Who will ____________(为……付款) the dinner tonight? 6.Few students can ____________(负担得起做) such an expensive trip. 7.We have ____________(用完) our pocket money already. 8.Teenagers should learn to ____________(理财). 9.You should ____________(制定计划) for your study and life. 10.It is important to ____________(设定目标) at the beginning of the term. 11.We must ____________(减少) our daily expenses. 12.We should ____________ these old tins ____________(充分利用). 13.Learning how to ____________(管理金钱) is very necessary. 14.Don’t ____________(浪费钱) on things you don’t really need. 15.He wants to ____________(赚钱) by doing part‑time work. 16.Please ____________(记住): every coin counts. 17.We are ____________(为……做准备) the coming summer camp. 18.Think carefully and ____________(采取行动) right now. 19.He kept trying and ____________(最终), he achieved his dream. 20.If your money ____________(用完), you can’t buy the material. 五．完形填空（10分） When I was 13, my mom started giving me a monthly allowance (零花钱) and told me to learn to manage it. At first, I was so excited that I 1 all my money on toys and snacks within a week. Soon I had nothing left and felt upset. Then my mom gave me some 2 . She said, “You need to make a 3 . Write down what you need and what you want, and don’t spend money on things you don’t really need.” I took her advice. Every month, I put half of my allowance into a savings box, and used the other half to 4 my daily needs like stationery and occasional snacks. One day, I saw a nice bicycle at the store. It 5 about 200 dollars. I really wanted it, but I knew I couldn’t ask my parents to buy it for me. So I decided to save enough money by myself. For six months, I kept 6 my allowance and even sold my old storybooks to get extra money. Finally, I had enough to buy the bicycle. When I rode it home, I felt so proud. This 7 taught me an important lesson: managing money wisely helps you 8 your goals. Now, I still keep the habit of saving part of my money every month. I also learn to 9 between needs and wants. It’s not always easy, but it’s 10 doing. 1．A．spent B．saved C．borrowed D．lent 2．A．money B．advice C．books D．toys 3．A．mistake B．plan C．budget D．list 4．A．pay for B．ask for C．look for D．wait for 5．A．cost B．took C．spent D．paid 6．A．wasting B．collecting C．saving D．using 7．A．experiment B．experience C．message D．trip 8．A．reach B．make C．keep D．change 9．A．tell B．say C．talk D．speak 10．A．busy B．worth C．easy D．free 六．阅读理解（10分） Pocket money means that you have money in your pocket (口袋) that you can spend. You may get a regular amount of money from your parents or grandparents, for example, every week or once a month. How much pocket money should you get? That depends on what your parents or grandparents can afford, how many kids there are in your family and how old you are. A little primary school kid may get one yuan, but older children would get more. Each family is different. Many parents or grandparents give kids pocket money so that their kids can: ★use the money to buy things that they want. ★learn to find out how much things cost. ★learn to look after money well. ★learn to shop around for the best price. ★ learn to save their pocket money for the future. ★ learn what is worth (值得) buying. It is difficult to handle money. If you spend all of your money too quickly, you will not be able to buy the necessary things that you will need in the future life. If you always save money, you will not get many nice things that you really like. Try to use your pocket money in the right way and you will always get something good. 1．Usually kids can get their pocket money from their _____. A．parents B．friends C．parents or grandparents D．Teachers 2．What can not influence how much pocket money kids get? A．The kids’ ages. B．The kids’ grades. C．The salary (薪水). D．The number of kids in a family. 3．The underlined word “handle” means _____. A．pick up B．deal with C．buy D．save 4．Parents hope that their children _____instead of only buying what they want. A．learn to handle their pocket money B．save their pocket money C．learn to buy things D．know how to shop 5．The writer writes the passage mainly to tell us _____. A．what pocket money means B．we should get more pocket money C．to save more and more pocket money D．handling pocket money is useful 七．书面表达（10分） 你的朋友Jack最近写信告诉你，他总是刚拿到零花钱就花光，遇到想买的重要物品时却没有钱。请你根据以下提示给他写一封回信，给他一些理财建议： 1. 制定简单的预算，区分“需要”和“想要”； 2. 每月储蓄一部分零花钱； 3. 记录每一笔开支，了解钱的去向。 要求：（1）可围绕主题适当发挥；（2）80词左右。 ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 原创精品资源学科网独家享有版权，侵权必究！1 学科网（北京）股份有限公司1 / 14 学科网（北京）股份有限公司 $ 2026-2027学年九年级上册英语单元自测 Unit 4 Personal Finance·基础通关 学校:___________班级：___________姓名：___________分数：___________ （时间：90分钟，满分：100分） 一．单词拼写（15分） 1.He studies ________(金融) at university. 2.I collect a lot of ________(邮票) in my free time. 3.She is a good ________(听者) for her friends. 4.We can’t ________(买得起) such an expensive house. 5.The girl with a ________(微笑的) face is my cousin. 6.These desks are made of ________(回收利用的) wood. 7.The show will ________(吸引) lots of young people. 8.The shop provides good service for every ________(顾客). 9.We enjoyed the ________(美丽) of the lake at sunrise. 10.Wood is a useful building ________(材料). 11.We hold a meeting ________(每月一次). 12.I am busy ________(此刻). Call me later. 13.His new ________(滑板) was lost yesterday. 14.You should make a ________(预算) before travelling. 15.Travelling brings many unexpected ________(开销). 【答案】1.finance 2.stamps 3.listener 4.afford 5.smiling 6.recycled 7.attract 8.customer 9.beauty 10.material 11.monthly 12.at the moment 13.skateboard 14.budget 15.expenses 二．首字母填空（20分） 1.We receive our pocket money m________. 2.I’m busy a________ m________. Please wait. 3.The boy rides his s________ in the park every weekend. 4.You need to set a b________ for your shopping. 5.Food is one of our daily e________. 6.This w________ keyboard works without wires. 7.Most students are e________ for the coming holiday. 8.Please l________ me your notebook; I left mine at home. 9.Scientists t________ the birds by special tools. 10.He is s________ u________ for a new bicycle. 11.Keep the sweets in a t________ box. 12.Paper and glass are r________ waste. 13.This short poem has three s________. 14.He won a big f________ from his hard work. 15.The singer’s f________ spread across the whole country. 16.Books about f________ teach you how to manage money. 17.These old s________ are quite valuable. 18.To be a good l________, keep quiet when others speak. 19.Many families can hardly a________ rising prices. 20.The s________ face on the poster makes people happy. 【答案】1.monthly 2.at the moment 3.skateboard 4.budget 5.expenses 6.wireless 7.eager 8.lend 9.track 10.saving up11.tin 12.recyclable 13.stanzas 14.fortune 15.fame 16.finance 17.stamps 18.listener 19.afford 20.smiling 三．用所给词适当形式填空（15分） 1.We were surprised by the ________(beautiful) of the mountain. 2.We get our pay ________(month). 3.You should control your travel ________(expense). 4.He is ________(eagerly) to take part in the competition. 5.Please ________(lend) me your dictionary. 6.People use different ________(material) to make clothes. 7.Scientists keep ________(track) of wild animals. 8.We are ________(save) up for our summer trip. 9.These cans are ________(recycle). Don’t throw them away. 10.The poem has five ________(stanza). 11.He got great ________(famous) for his paintings. 12.No one can ________(afford) such high prices. 13.He has many old ________(stamp) from foreign countries. 14.We need to learn some knowledge about ________(finance). 15.The ________(wire) earphones are very popular now. 【答案】1.beauty 2.monthly 3.expenses 4.eager 5.lend 6.materials 7.tracking 8.saving 9.recyclable 10.stanzas 11.fame 12.afford 13.stamps 14.finance 15.wireless 四．完成句子（20分） 1.You need to ____________(制定预算) before you go travelling. 2.It’s a good habit to ____________(记录开支) every month. 3.My brother tries his best to ____________(存钱) for a new skateboard. 4.Don’t ____________(花钱买) useless toys. 5.Who will ____________(为……付款) the dinner tonight? 6.Few students can ____________(负担得起做) such an expensive trip. 7.We have ____________(用完) our pocket money already. 8.Teenagers should learn to ____________(理财). 9.You should ____________(制定计划) for your study and life. 10.It is important to ____________(设定目标) at the beginning of the term. 11.We must ____________(减少) our daily expenses. 12.We should ____________ these old tins ____________(充分利用). 13.Learning how to ____________(管理金钱) is very necessary. 14.Don’t ____________(浪费钱) on things you don’t really need. 15.He wants to ____________(赚钱) by doing part‑time work. 16.Please ____________(记住): every coin counts. 17.We are ____________(为……做准备) the coming summer camp. 18.Think carefully and ____________(采取行动) right now. 19.He kept trying and ____________(最终), he achieved his dream. 20.If your money ____________(用完), you can’t buy the material. 【答案】1.create a budget 2.track expenses 3.save money 4.spend money on 5.pay for 6.afford to do 7.run out of 8.be wise with money 9.make a plan 10.set a goal 11.cut down on 12.put; to good use 13.manage money 14.waste money15.earn money 16.keep in mind 17.getting ready for 18.take action 19.in the end 20.runs out of 五．完形填空（10分） When I was 13, my mom started giving me a monthly allowance (零花钱) and told me to learn to manage it. At first, I was so excited that I 1 all my money on toys and snacks within a week. Soon I had nothing left and felt upset. Then my mom gave me some 2 . She said, “You need to make a 3 . Write down what you need and what you want, and don’t spend money on things you don’t really need.” I took her advice. Every month, I put half of my allowance into a savings box, and used the other half to 4 my daily needs like stationery and occasional snacks. One day, I saw a nice bicycle at the store. It 5 about 200 dollars. I really wanted it, but I knew I couldn’t ask my parents to buy it for me. So I decided to save enough money by myself. For six months, I kept 6 my allowance and even sold my old storybooks to get extra money. Finally, I had enough to buy the bicycle. When I rode it home, I felt so proud. This 7 taught me an important lesson: managing money wisely helps you 8 your goals. Now, I still keep the habit of saving part of my money every month. I also learn to 9 between needs and wants. It’s not always easy, but it’s 10 doing. 1．A．spent B．saved C．borrowed D．lent 2．A．money B．advice C．books D．toys 3．A．mistake B．plan C．budget D．list 4．A．pay for B．ask for C．look for D．wait for 5．A．cost B．took C．spent D．paid 6．A．wasting B．collecting C．saving D．using 7．A．experiment B．experience C．message D．trip 8．A．reach B．make C．keep D．change 9．A．tell B．say C．talk D．speak 10．A．busy B．worth C．easy D．free 【答案】1．A 2．B 3．C 4．A 5．A 6．C 7．B 8．A 9．A 10．B 【导语】本文讲述了作者13岁时开始学习管理零花钱的经历。 【详解】1．句意：起初，我太兴奋了，以至于在一周内就把所有的钱都花在了玩具和零食上。 根据前文“excited”和后文“on toys and snacks”，以及固定搭配spend money on sth.可知，此处指花钱。saved意为“节省”、borrowed意为“借入”、lent意为“借出”，均不符合语境；spent意为“花费”，符合语境。 2．句意：然后妈妈给了我一些建议。 根据后文妈妈说的话“You need to make a...”以及“don’t spend money on things you don’t really need”可知，这是妈妈给出的建议。money意为“钱”、books意为“书”、toys意为“玩具”，均不符合语境；advice意为“建议”，符合语境。 3．句意：她说：“你需要制定一个预算。” 根据后文“Write down what you need and what you want”以及后文提到的把零花钱分成两半，这属于制定预算的行为。mistake意为“错误”、plan意为“计划”、list意为“清单”，均不符合语境。在理财语境下，budget 意为“预算”，最准确。 4．句意：……并用另一半来支付我的日常所需，比如文具和偶尔的零食。 此处指用钱去买日常所需品。pay for意为“支付……的费用”，符合语境。ask for意为“请求”、look for意为“寻找”、wait for意为“等待”，均不符合语境。 5．句意：它花费大约200美元。 主语是It，指代自行车，表示某物花费多少钱，常用动词cost。took通常用于句型“It takes sb. some time to do sth.”；spent主语通常是人；paid主语通常是人。 6．句意：六个月来，我一直存着我的零花钱，甚至卖掉旧故事书来换取额外的钱。 根据前文“So I decided to save enough money by myself.”可知，这里指持续存钱的动作。wasting意为“浪费”、collecting意为“收集”、using意为“使用”，均不符合语境；saving意为“保存、储蓄”，符合语境。 7．句意：这段经历教会了我重要的一课：明智地理财帮助你实现目标。 此处指作者通过存钱买自行车这件事获得的感悟。experiment意为“实验”、message意为“信息”、trip意为“旅行”，均不符合语境，这是一次人生的历练，experience意为“经历”，符合语境。 8．句意：明智地理财帮助你实现你的目标。 根据搭配reach one’s goal，reach意为“达到、实现”，符合语境。make意为“制作”、keep意为“保持”、change意为“改变”，均不如reach贴切。 9．句意：我也学会了分辨“需要”和“想要”。 根据搭配“tell between A and B”表示“区分A和B”，强调分清需要和欲望。tell有“辨别、区分”之意，符合语境。say、talk、speak主要侧重于“说”的动作，而这里强调的是心智上的判断和区分。 10．句意：这并不总是容易的，但这值得做。 根据句型“be worth doing”，worth意为“值得的”，符合语境。busy意为“忙碌的”、easy意为“容易的”、free意为“自由的、免费的”，均不符合语境。 六．阅读理解（10分） Pocket money means that you have money in your pocket (口袋) that you can spend. You may get a regular amount of money from your parents or grandparents, for example, every week or once a month. How much pocket money should you get? That depends on what your parents or grandparents can afford, how many kids there are in your family and how old you are. A little primary school kid may get one yuan, but older children would get more. Each family is different. Many parents or grandparents give kids pocket money so that their kids can: ★use the money to buy things that they want. ★learn to find out how much things cost. ★learn to look after money well. ★learn to shop around for the best price. ★ learn to save their pocket money for the future. ★ learn what is worth (值得) buying. It is difficult to handle money. If you spend all of your money too quickly, you will not be able to buy the necessary things that you will need in the future life. If you always save money, you will not get many nice things that you really like. Try to use your pocket money in the right way and you will always get something good. 1．Usually kids can get their pocket money from their _____. A．parents B．friends C．parents or grandparents D．Teachers 2．What can not influence how much pocket money kids get? A．The kids’ ages. B．The kids’ grades. C．The salary (薪水). D．The number of kids in a family. 3．The underlined word “handle” means _____. A．pick up B．deal with C．buy D．save 4．Parents hope that their children _____instead of only buying what they want. A．learn to handle their pocket money B．save their pocket money C．learn to buy things D．know how to shop 5．The writer writes the passage mainly to tell us _____. A．what pocket money means B．we should get more pocket money C．to save more and more pocket money D．handling pocket money is useful 【答案】1．C 2．B 3．B 4．A 5．D 【导语】本文是一篇说明文，主要介绍了零花钱的含义、影响零花钱数额的因素，以及长辈给孩子零花钱想要达成的教育目的，告诉我们学会合理支配零花钱十分重要。 【详解】1．根据第一段“You may get a regular amount of money from your parents or grandparents.”可知，孩子们通常从父母或祖父母那里得到零花钱。 2．根据第二段“That depends on what your parents or grandparents can afford, how many kids there are in your family and how old you are.”可知，文中提到的影响因素有长辈的经济能力、家中孩子的数量、孩子的年龄，没有提及孩子的成绩。 3．根据最后一段“It is difficult to handle money. If you spend all of your money too quickly, you will not be able to buy the necessary things... If you always save money, you will not get many nice things…”可知，挥霍一空会缺少未来必需品，一味存钱又无法购买心仪物品，说明管理金钱并非易事；据此可以推断，划线单词“handle”含义为“处理、管理”，与短语“deal with”同义。 4．根据第三段长辈给予零花钱的多个培养目标可知，父母、祖父母给孩子零花钱，不只是让孩子购买想要的物品，更希望孩子学会认识物价、管好钱财、货比三家、储蓄、辨别值得购买的东西，也就是学会支配零花钱。 5．文章先介绍零花钱相关基础知识，重点阐述零花钱带来的各项学习意义，结尾呼吁合理使用零花钱，主旨是说明学会管理零花钱很有意义。 七．书面表达（10分） 你的朋友Jack最近写信告诉你，他总是刚拿到零花钱就花光，遇到想买的重要物品时却没有钱。请你根据以下提示给他写一封回信，给他一些理财建议： 1. 制定简单的预算，区分“需要”和“想要”； 2. 每月储蓄一部分零花钱； 3. 记录每一笔开支，了解钱的去向。 要求：（1）可围绕主题适当发挥；（2）80词左右。 ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________【答案】 Dear Jack, I’m sorry to hear you’re having trouble with your pocket money. Here are some tips for you: First, make a simple budget. Write down your needs like stationery and your wants like toys, and spend more on needs. Second, save 20% of your pocket money every month. You can put it in a savings box. Third, track every expense. This helps you see where your money goes and avoid unnecessary spending. Try these tips, and you’ll be able to save for important things soon! Yours, [Your Name] 【详解】写作步骤 [第一步：审题立意] 确定文体：建议类书信，用一般现在时为主 明确要点：制定简单预算区分“需要”和“想要”；每月储蓄部分零花钱；记录每笔开支，掌握资金去向 确定人称：第一人称（I/my）、第二人称（you/your） 注意事项：词数80左右；可围绕主题适当拓展；不得出现真实姓名 [第二步：构思布局] 三段式结构： 开头段：共情对方零花钱难题，引出理财建议 主体段：逐条介绍三条理财相关建议，补充简单细节 结尾段：鼓励对方尝试办法，展望改善消费情况 [第三步：要点展开] 要点一：制定简单预算，区分 “需要” 和 “想要” 物品选择：needs（stationery、books等）；wants（toys、snacks等） 做法描述 ：Write down your needs and your wants clearly./Learn to tell needs apart from wants before spending money./Make a simple budget and divide things into two groups./Prioritize your necessary needs instead of meaningless wants.等 作用效果 ：It stops you from buying plenty of useless things./It helps you form healthy spending habits little by little./It prevents you from wasting money on unimportant goods./It makes you spend money in a more reasonable way.等 要点二：每月储蓄一部分零花钱 储存方式：put money in a savings box/ keep money in a separate wallet/store money in your piggy bank/set money aside in a special envelope等 做法描述：Save some pocket money every single month./Set aside part of your pocket money each month./Keep a certain amount of pocket money for future use./Put aside some cash as savings monthly.等 作用效果：You can prepare money for important things you plan to buy./ It offers you money when you meet necessary purchases./You won’t run out of money when you want valuable goods./It helps you get ready for your future important shopping.等 要点三：记录每一笔开支，了解钱的去向 记录方式：track every expense/ keep a spending diary every day/mark all costs on your mobile note/ make a spending list to check regularly等 做法描述 ：Keep track of every expense you make every day./Write down all your spending carefully on a notebook./Record each cost and check it regularly./Mark down every payment you spend your pocket money on.等 作用效果：This helps you see where your money goes and avoid unnecessary spending./You can clearly know where your money goes./It helps you cut unnecessary daily spending./You will find out which costs can be reduced./It reminds you to stay away from wasteful consumption.等 原创精品资源学科网独家享有版权，侵权必究！1 学科网（北京）股份有限公司1 / 14 学科网（北京）股份有限公司 $