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

**基本信息** 本单元卷聚焦九年级上册Unit 4 Personal Finance主题，通过词汇应用、阅读理解及写作实践，融合生活理财情境与社会热点（如慈善、小额信贷），有效培养语言能力与责任意识。 **题型特征** |题型|题量/分值|知识覆盖|命题特色| |----|-----------|----------|----------| |书面表达|1/10|个人理财计划（储蓄、消费、助人）|需用单元词汇（save money, donate），培养规划能力与社会责任感，体现思维品质| |阅读理解|3/30|小额信贷、金钱观、在线筹款|素材贴近社会现实，问题设计从事实理解到主旨归纳，提升信息获取与分析能力| |完形填空|1/10|理财习惯养成|以个人经历为线索，考查词汇辨析与语境理解，渗透正确金钱观，融合语言能力与文化意识|

2026-2027学年九年级上册英语单元自测 Unit 4 Personal Finance·提升通关 学校:___________班级：___________姓名：___________分数：___________ （时间：90分钟，满分：100分） 一、根据汉语提示写单词（10分） 1.This is a ________(无线的) mouse for your computer. 2.Kids are ________(渴望的) for new knowledge. 3.Could you ________(借出) me your pen? 4.The machine can ________(跟踪) the animals’ movement. 5.I want to ________(攒钱) for a new camera. 6.Put the fruit into a metal ________(罐头盒). 7.Bottles are ________(可回收利用的) waste. 8.This poem has four ________(诗节). 9.He made a large ________(巨款) in his business. 10.The actor won great ________(名气) all over the world. 【答案】1.wireless 2.eager 3.lend 4.track 5.save up 6.tin 7.recyclable 8.stanzas 9.fortune 10.fame 二、首字母填空（10分） 11.Many shops use r________ paper bags now. 12.Interesting activities a________ lots of teenagers. 13.If you are a c________, you can ask for after‑sale service. 14.Painters try their best to show the b________ of life. 15.Stone is a hard building m________. 16.The club holds some activities m________. 17.What project are you working on a________ m________? 18.His s________ was broken in the fall. 19.We should cut down unnecessary e________. 20.Children are e________ to know about the outside world. 【答案】11.recycled 12.attract 13.customer 14.beauty 15.material 16.monthly 17.at the moment 18.skateboard 19.expenses 20.eager 三．选词填空（10分） create a budget, track expenses, save money, spend money on, pay for, afford to do sth, run out of, be wise with money, make a plan, set a goal 21.My parents ____________ to control our family’s cost every year. 22.You’d better ____________ so you can know where your money goes. 23.I ____________ every month to buy a new camera. 24.Many teenagers like ____________ fashionable clothes. 25.I don’t have enough cash to ____________ the gift. 26.Nobody can ____________ buy such an expensive house in a short time. 27.If we ____________ paper, we have to buy some more. 28.As middle‑school students, we should learn how ____________. 29.Before doing something big, you need ____________. 30.At the start of the year, many people ____________ for their life. 【答案】21.create a budget 22.track expenses 23.save money 24.spending money on 25.pay for 26.afford to 27.run out of 28.to be wise with money 29.to make a plan 30.set a goal 四．完形填空（10分） 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 31 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 32 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 33 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 34 school supplies. I thought of my savings and decided to 35 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 36 . 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 37 . I’ve learned that managing money well is not only about saving, but also about using it in a 38 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 39 . Money is an important part of our lives, but it’s more important to know how to use it 40 . 31．A．save B．manage C．waste D．earn 32．A．diary B．book C．record D．note 33．A．needs B．wants C．things D．gifts 34．A．afford B．buy C．have D．get 35．A．take B．give C．donate D．send 36．A．pride B．happiness C．sadness D．surprise 37．A．schools B．hospitals C．charities D．families 38．A．clever B．right C．good D．meaningful 39．A．learned B．taught C．heard D．seen 40．A．quickly B．wisely C．easily D．freely 【答案】31．B 32．C 33．B 34．A 35．C 36．A 37．C 38．D 39．A 40．B 【导语】本文是一篇记叙文，讲述作者十二岁时在父亲引导下学会管理钱财，通过记录收支、储蓄，最终将积蓄捐给慈善机构，并领悟到明智用钱的意义。 【详解】31．句意：是时候学习如何管理你的钱了。    前文说作者花钱很糟糕，父亲建议学习管理钱财，manage指全面规划使用。save只强调存钱，waste与建议相反，earn挣钱与语境无关。 32．句意：我开始记录所有收入和支出。    keep a record of是固定搭配，表示“记录账目”。diary侧重日记，book书本，note便条，均不如record准确对应收支明细。 33．句意：另一半则用来满足买铅笔或冰淇淋之类的小需求。    铅笔或者冰淇淋属于少年日常想要的小物件、零食，并非生存刚需，wants“想要的、非生存必需的东西”，符合此处语境。needs侧重生存必不可少的必需品，things太宽泛，gifts礼物，均不如wants贴切。 34．句意：就在那时，我们班宣布要举办一场慈善活动，去帮扶山村里买不起学习用品的孩子们。    couldn’t afford表示“负担不起”，强调经济能力不足。buy虽可接物品，但afford更突出贫困原因，have和get没有“无力购买”的含义。 35．句意：我想到了自己的积蓄，并决定把所有积蓄捐给慈善机构。    前文提到charity活动，后文也说捐赠，donate专门指“捐赠”给慈善。give“给”太笼统，take“拿”，send“寄送”，均不如donate准确。 36．句意：那天，我感受到强烈的自豪感。    老师表扬并说树立榜样，这种情境下应感到pride，意为“自豪感”。happiness快乐较宽泛，sadness和surprise与正面评价不符。 37．句意：我有时会用它来买书，有时我把它捐给慈善机构。    前文已明确捐给慈善，此处重复该行为，charities复数泛指各类慈善组织。schools、hospitals、families均无依据。 38．句意：我学到了，管好钱不仅仅只是存钱，而且以一种有意义的方式使用它。    前文提到用钱帮助他人，meaningful强调价值意义。clever聪明，right正确，good好，但结合助人行为，meaningful最契合。 39．句意：我自豪地传递我所学到的东西。    作者经历了整个学习过程，learned表示学会的经验。taught是教，但他是被教者；heard和seen与知识传递无关。 40．句意：金钱是我们生活重要的一部分，但懂得明智地使用它更为重要。    全文主题围绕明智管理钱财，wisely意为“明智地”，涵盖合理储蓄和助人。quickly、easily、freely均偏离主旨。 五．阅读理解（30分） A 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. 41．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. 42．Where did microcredit start? A．In China. B．In Bangladesh. C．In the US. D．In Germany. 43．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. 44．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. 45．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. 【答案】41．A 42．B 43．C 44．B 45．C 【导语】本文是一篇说明文，主要介绍了小额信贷的定义、起源、作用以及其优缺点。 【详解】41．由第一段“Microcredit is a kind of small loan given to poor people”可知，小额信贷是给贫穷的人的一种小额贷款。 42．由第一段“It started in Bangladesh in the 1970s”可知，小额信贷始于孟加拉国。 43．由第三段“Because they often have fewer opportunities to get jobs”可知，女性使用小额信贷是因为她们工作机会较少。 44．由第四段“Also, the interest rates on microcredit are sometimes higher than those of traditional banks”可知，小额信贷的一个问题是利率有时较高。 45．全文介绍了小额信贷的起源、作用和优缺点，主旨是“小额信贷的优点和缺点”。 B Develop a Right View of Money Most teenagers get pocket money from their parents every month. However, few of them have a clear plan for money use. Many students spend money on snacks, online gifts and fashionable toys without thinking carefully. This kind of blind consumption is harmful to their growth. Education experts advise teenagers to learn pocket money management from an early age. First, make a monthly spending plan. Divide pocket money into three parts: daily necessary spending, savings and public-benefit spending. Second, avoid comparing with classmates. Many students waste money simply to follow their classmates and pursue expensive goods. Third, try to experience making money independently. Doing simple part-time jobs or housework for small rewards can help teenagers realize how difficult it is to earn money. When they truly understand their parents’ hard work, they will stop wasting money casually. A correct view of money is an important part of teenage growth. It helps teenagers become independent and responsible. 46．What do many teenagers do with their pocket money? A．They save all money for future study. B．They use it to buy useful books only. C．They donate all money to help others. D．They spend it blindly on useless things. 47．How many parts do experts suggest dividing pocket money into? A．Two. B．Three. C．Four. D．Five. 48．Why do some students waste money according to the passage? A．They compare with their classmates. B．They have too much pocket money. C．They want to help poor classmates. D．Their parents ask them to spend freely. 49．What can help teenagers understand the value of money? A．Wasting money casually. B．Making money by themselves. C．Buying expensive toys. D．Comparing with others. 50．What is the best title for the passage? A．How to get more pocket money B．Teenagers’ different hobbies C．Develop a right view of money D．How to avoid hard work 【答案】46．D 47．B 48．A 49．B 50．C 【导语】本文主要讲述了青少年应如何树立正确的金钱观，专家建议通过制定计划、避免攀比和体验赚钱不易来学会管理零花钱。 【详解】46．根据第一段中“Many students spend money on snacks, online gifts and fashionable toys without thinking carefully. This kind of blind consumption is harmful...”可知，许多青少年没有计划，盲目把钱花在零食、玩具等东西上。 47．根据第二段中“Divide pocket money into three parts: daily necessary spending, savings and public-benefit spending.”可知，专家建议将零花钱分为三部分。 48．根据第二段中“Many students waste money simply to follow their classmates and pursue expensive goods.”可知，学生浪费钱是因为盲目跟随同学，即与同学攀比。 49．根据第三段中“try to experience making money independently. Doing simple part-time jobs...can help teenagers realize how difficult it is to earn money.”可知，独立赚钱的经历能帮助青少年理解金钱的价值和来之不易。 50．文章标题即为“Develop a Right View of Money”，且全文围绕青少年如何管理零花钱、树立正确金钱观展开，因此C选项“树立正确的金钱观”最适合作为标题。 C How to Organise an Online Fundraising Event Online fundraising has become very popular in recent years. It is a great way to raise money for a cause you care about. Here is a simple guide to help you get started. First, choose a cause. Think about what matters to you—it could be helping sick children, protecting the environment, or supporting education. When you have a clear cause, it will be easier to attract donors. Second, pick a fundraising activity. You can organise an online marathon, a virtual concert, or even a talent show online. The activity should be fun and easy for people to join. Third, create a website or a page where people can learn about your event and donate money. Make sure the page is clear and easy to use. Include information about the cause, the activity, and how the money will be used. Finally, promote your event. Use social media, emails, and messages to tell people about your event. Share stories and photos to make people feel connected to the cause. Remember, organising an online fundraising event takes time and effort. But when you see the results, you will feel proud of what you have achieved. 51．What is the main purpose of the passage? A．To tell a story about fundraising. B．To give advice on organising an online fundraising event. C．To advertise a specific event. D．To compare online and offline fundraising. 52．What is the first step in organising an online fundraising event? A．Create a website. B．Pick an activity. C．Choose a cause. D．Promote the event. 53．Why is it important to have a clear cause? A．It makes the event more fun. B．It helps attract donors. C．It makes the event cheaper. D．It reduces the work needed. 54．According to the passage, what should a fundraising website include? A．Only the date of the event. B．Information about the cause and how money will be used. C．The organiser’s personal story only. D．Nothing—it should be very simple. 55．What does the author suggest doing to promote the event? A．Only tell your family. B．Use social media and share stories. C．Wait for people to find it themselves. D．Only use traditional advertisements. 【答案】51．B 52．C 53．B 54．B 55．B 【导语】本文是一篇说明文，主要介绍了组织一场线上筹款活动的几个简单步骤。 【详解】51．文章标题为“How to Organise an Online Fundraising Event”，且首段提到“Here is a simple guide to help you get started”，下文分步骤介绍了组织活动的流程，旨在提供建议。 52．根据文章第二段“First, choose a cause.”可知，组织线上筹款活动的第一步是选择一个事业目标。 53．根据文章第二段“When you have a clear cause, it will be easier to attract donors.”可知，拥有清晰的事业目标有助于吸引捐赠者。 54．根据文章第四段末句“Include information about the cause, the activity, and how the money will be used.”可知，筹款网站需要包含事业目标以及资金如何使用的相关信息。 55．根据文章第五段“Use social media, emails, and messages... Share stories and photos...”可知，作者建议使用社交媒体并且分享故事来推广活动。 六．语法填空（10分） 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 56 (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 57 (earn). You need to learn how to save and spend it wisely.” She then helped me make a small 58 (budget). Every week, I could spend 10 yuan on snacks, and the other 10 yuan 59 (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 60 (save) over 200 yuan. I used the money to buy a new football, which I had wanted for a long time. I felt so 61 (pride) of myself. Now, I am good at 62 (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 63 (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 64 (learn) to manage money early is a very important skill 65 everyone. 【答案】56．decided 57．to earn 58．budget 59．must 60．had saved 61．proud 62．managing 63．others 64．learning 65．for 【导语】本文通过作者从十岁起学习管理零花钱的经历，说明了养成预算习惯和储蓄意识的重要性，并最终将这一技能传授给弟弟，体现了理财能力的实际价值。 【详解】56．句意：我非常开心并且决定买下所有我最爱的零食。“and”连接并列谓语，前文“was”为一般过去时，故此处也应用一般过去时，“decide”的过去式为decided。 57．句意：赚钱不容易。“easy”后接不定式作状语，构成“be+adj.+to do”结构，表示“做某事是……的”，故填to earn。 58．句意：她帮助我做了一个小预算。“make a budget”为固定搭配，意为“做预算”，“budget”为名词，直接填入即可。 59．句意：另外10元必须被存起来。情态动词“must”后接动词原形“be saved”，且“must”本身无形式变化，故填must。 60．句意：六个月后，我已经存了200多元。“After six months”提示动作发生在过去，且强调对当时的影响（用钱买了足球），需用过去完成时“had saved”表示“存了”。 61．句意：我为自己感到非常自豪。“feel proud of”为固定搭配，意为“为……感到自豪”，“pride”需转换为形容词proud。 62．句意：我现在擅长管理我的钱。“be good at”中“at”为介词，后接动名词作宾语，故“manage”需变为managing。 63．句意：我明白了金钱不仅可以给我带来幸福，帮助其他有需要的人。“other”作代词表示“其他人”时常用复数形式“others”。 64．句意：我相信尽早学会管理钱是一项非常重要的技能。空格处为宾语从句的主语，需用动名词短语“learning to manage money early”作主语，故填learning。 65．句意：对每个人来说都是一项非常重要的技能。“skill for sb.”表示“对某人来说的技能”，介词“for”引出对象。 七．任务型阅读（10分） 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。 66．How did the writer spend his pocket money in primary school? 67．Who taught the writer about budgeting and saving? 68．What did the writer do to save money? 69．What did the writer buy with his saved money last month? 70．What has the writer learned about managing money? 【答案】66．He spent all his pocket money on toys and candies. 67．His math teacher. 68．He made a list of weekly expenses, cut down on snacks, and put 5 yuan into a savings box every week. 69．A new dictionary. 70．He has learned that managing money well is an important skill which helps him buy things he wants and teaches him to be responsible. 【导语】本文主要讲述作者小学时没有理财意识、挥霍零花钱，升入初中后在数学老师引导下学会规划储蓄、理性消费，并从中收获成长与责任感的经历。 【详解】66．首段直接给出消费方式“and I would spend it all on toys and candies”，答案摘取原文直接信息：He spent all his pocket money on toys and candies。 67．第二段明确写明“My math teacher taught us about budgeting and saving”，提取原文对应人物作答：His math teacher。 68．第三段依次罗列三项存钱举措：“made a list of my weekly expenses”“cut down on snacks”“put 5 yuan into a savings box every week”，整合三处原文信息得出答案：He made a list of weekly expenses, cut down on snacks, and put 5 yuan into a savings box every week。 69．第四段开头直接交代“Last month, I used my saved money to buy a new dictionary”，摘取物品信息作答：A new dictionary。 70．尾段完整点明感悟“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”，整合段落内容整理答案：He has learned that managing money well is an important skill which helps him buy things he wants and teaches him to be responsible。 八．书面表达（10分） 请根据以下提示，写一篇英文短文，分享你使用压岁钱的计划。提示内容： 1. 你今年收到了多少压岁钱？ 2. 你计划如何使用这些钱？（至少包括储蓄、消费和帮助他人三个方面） 3. 你为什么这样分配？（解释你的理由） 4. 你希望从这个计划中学到什么？ 要求： 1. 词数不少于80词； 2. 结构清晰，包含所有要点； 3. 使用本单元所学的词汇和表达（如：make a plan, save money, donate, help others, true value 等）。 ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________【答案】参考范文 This Spring Festival, I got 1500 yuan in lucky money. I make a plan for using it properly. First, I will save 700 yuan for my future study. Second, I will spend 500 yuan on books and daily necessities. Third, I will donate 300 yuan to help others in need. I do so for good reasons. Saving prepares me for the future. Spending meets my needs. Donating brings me joy. I hope to learn the true value of money from this plan. It teaches me to manage money and care for others. 【详解】写作步骤 [第一步：审题立意] 确定文体：说明文，用一般现在时和一般将来时 明确要点：压岁钱金额（1500元）、计划（存700元用于未来学习、花500元买书和生活用品、捐300元帮助他人）、理由（储蓄为未来做准备、消费满足需求、捐赠带来快乐）、希望学到的道理（理解金钱的真正价值、学会理财和关爱他人） 确定人称：第一人称（I） 注意事项：需包含所有要点，词数不少于80，注意书信格式 [第二步：构思布局] 四段式结构： 第一段：引出压岁钱金额并表明制定使用计划 第二段：阐述三个方面的具体分配方案（储蓄、消费、捐赠） 第三段：解释这样分配的理由 第四段：表达希望学到的道理 [第三步：要点展开] 要点一：压岁钱金额 金额：got 1500 yuan in lucky money/received 1,500 yuan as Spring Festival lucky money等 要点二：储蓄计划 储蓄：save 700 yuan for my future study/put 700 yuan into savings for education等 要点三：消费计划 消费：spend 500 yuan on books and daily necessities/use 500 yuan for books and everyday items等 要点四：捐赠计划 捐赠：donate 300 yuan to help others in need/give 300 yuan to people who need help等 要点五：理由解释 储蓄理由：saving prepares me for the future/helps me deal with future needs等 消费理由：spending meets my needs/helps me buy things I really need等 捐赠理由：donating brings me joy/makes me feel happy to help others等 要点六：期望与感悟 期望：learn the true value of money/understand what money really means等 收获：manage money and care for others/learn to plan money and show kindness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 $ 2026-2027学年九年级上册英语单元自测 Unit 4 Personal Finance·提升通关 学校:___________班级：___________姓名：___________分数：___________ （时间：90分钟，满分：100分） 一、根据汉语提示写单词（10分） 1.This is a ________(无线的) mouse for your computer. 2.Kids are ________(渴望的) for new knowledge. 3.Could you ________(借出) me your pen? 4.The machine can ________(跟踪) the animals’ movement. 5.I want to ________(攒钱) for a new camera. 6.Put the fruit into a metal ________(罐头盒). 7.Bottles are ________(可回收利用的) waste. 8.This poem has four ________(诗节). 9.He made a large ________(巨款) in his business. 10.The actor won great ________(名气) all over the world. 二、首字母填空（10分） 11.Many shops use r________ paper bags now. 12.Interesting activities a________ lots of teenagers. 13.If you are a c________, you can ask for after‑sale service. 14.Painters try their best to show the b________ of life. 15.Stone is a hard building m________. 16.The club holds some activities m________. 17.What project are you working on a________ m________? 18.His s________ was broken in the fall. 19.We should cut down unnecessary e________. 20.Children are e________ to know about the outside world. 三．选词填空（10分） create a budget, track expenses, save money, spend money on, pay for, afford to do sth, run out of, be wise with money, make a plan, set a goal 21.My parents ____________ to control our family’s cost every year. 22.You’d better ____________ so you can know where your money goes. 23.I ____________ every month to buy a new camera. 24.Many teenagers like ____________ fashionable clothes. 25.I don’t have enough cash to ____________ the gift. 26.Nobody can ____________ buy such an expensive house in a short time. 27.If we ____________ paper, we have to buy some more. 28.As middle‑school students, we should learn how ____________. 29.Before doing something big, you need ____________. 30.At the start of the year, many people ____________ for their life. 四．完形填空（10分） 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 31 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 32 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 33 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 34 school supplies. I thought of my savings and decided to 35 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 36 . 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 37 . I’ve learned that managing money well is not only about saving, but also about using it in a 38 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 39 . Money is an important part of our lives, but it’s more important to know how to use it 40 . 31．A．save B．manage C．waste D．earn 32．A．diary B．book C．record D．note 33．A．needs B．wants C．things D．gifts 34．A．afford B．buy C．have D．get 35．A．take B．give C．donate D．send 36．A．pride B．happiness C．sadness D．surprise 37．A．schools B．hospitals C．charities D．families 38．A．clever B．right C．good D．meaningful 39．A．learned B．taught C．heard D．seen 40．A．quickly B．wisely C．easily D．freely 五．阅读理解（30分） A 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. 41．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. 42．Where did microcredit start? A．In China. B．In Bangladesh. C．In the US. D．In Germany. 43．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. 44．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. 45．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. B Develop a Right View of Money Most teenagers get pocket money from their parents every month. However, few of them have a clear plan for money use. Many students spend money on snacks, online gifts and fashionable toys without thinking carefully. This kind of blind consumption is harmful to their growth. Education experts advise teenagers to learn pocket money management from an early age. First, make a monthly spending plan. Divide pocket money into three parts: daily necessary spending, savings and public-benefit spending. Second, avoid comparing with classmates. Many students waste money simply to follow their classmates and pursue expensive goods. Third, try to experience making money independently. Doing simple part-time jobs or housework for small rewards can help teenagers realize how difficult it is to earn money. When they truly understand their parents’ hard work, they will stop wasting money casually. A correct view of money is an important part of teenage growth. It helps teenagers become independent and responsible. 46．What do many teenagers do with their pocket money? A．They save all money for future study. B．They use it to buy useful books only. C．They donate all money to help others. D．They spend it blindly on useless things. 47．How many parts do experts suggest dividing pocket money into? A．Two. B．Three. C．Four. D．Five. 48．Why do some students waste money according to the passage? A．They compare with their classmates. B．They have too much pocket money. C．They want to help poor classmates. D．Their parents ask them to spend freely. 49．What can help teenagers understand the value of money? A．Wasting money casually. B．Making money by themselves. C．Buying expensive toys. D．Comparing with others. 50．What is the best title for the passage? A．How to get more pocket money B．Teenagers’ different hobbies C．Develop a right view of money D．How to avoid hard work C How to Organise an Online Fundraising Event Online fundraising has become very popular in recent years. It is a great way to raise money for a cause you care about. Here is a simple guide to help you get started. First, choose a cause. Think about what matters to you—it could be helping sick children, protecting the environment, or supporting education. When you have a clear cause, it will be easier to attract donors. Second, pick a fundraising activity. You can organise an online marathon, a virtual concert, or even a talent show online. The activity should be fun and easy for people to join. Third, create a website or a page where people can learn about your event and donate money. Make sure the page is clear and easy to use. Include information about the cause, the activity, and how the money will be used. Finally, promote your event. Use social media, emails, and messages to tell people about your event. Share stories and photos to make people feel connected to the cause. Remember, organising an online fundraising event takes time and effort. But when you see the results, you will feel proud of what you have achieved. 51．What is the main purpose of the passage? A．To tell a story about fundraising. B．To give advice on organising an online fundraising event. C．To advertise a specific event. D．To compare online and offline fundraising. 52．What is the first step in organising an online fundraising event? A．Create a website. B．Pick an activity. C．Choose a cause. D．Promote the event. 53．Why is it important to have a clear cause? A．It makes the event more fun. B．It helps attract donors. C．It makes the event cheaper. D．It reduces the work needed. 54．According to the passage, what should a fundraising website include? A．Only the date of the event. B．Information about the cause and how money will be used. C．The organiser’s personal story only. D．Nothing—it should be very simple. 55．What does the author suggest doing to promote the event? A．Only tell your family. B．Use social media and share stories. C．Wait for people to find it themselves. D．Only use traditional advertisements. 六．语法填空（10分） 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 56 (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 57 (earn). You need to learn how to save and spend it wisely.” She then helped me make a small 58 (budget). Every week, I could spend 10 yuan on snacks, and the other 10 yuan 59 (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 60 (save) over 200 yuan. I used the money to buy a new football, which I had wanted for a long time. I felt so 61 (pride) of myself. Now, I am good at 62 (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 63 (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 64 (learn) to manage money early is a very important skill 65 everyone. 七．任务型阅读（10分） 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。 66．How did the writer spend his pocket money in primary school? 67．Who taught the writer about budgeting and saving? 68．What did the writer do to save money? 69．What did the writer buy with his saved money last month? 70．What has the writer learned about managing money? 八．书面表达（10分） 请根据以下提示，写一篇英文短文，分享你使用压岁钱的计划。提示内容： 1. 你今年收到了多少压岁钱？ 2. 你计划如何使用这些钱？（至少包括储蓄、消费和帮助他人三个方面） 3. 你为什么这样分配？（解释你的理由） 4. 你希望从这个计划中学到什么？ 要求： 1. 词数不少于80词； 2. 结构清晰，包含所有要点； 3. 使用本单元所学的词汇和表达（如：make a plan, save money, donate, help others, true value 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 $