Unit 4 Personal Finance（重难词汇精练）英语新教材北师大版九年级上册

**基本信息** 以"基础-语境-语篇"三级递进设计，系统训练Unit 4 Personal and Finance词汇的记忆、变形及综合应用，提升语言能力与学习能力。 **专项设计** |模块|题量/典例|题型特征|知识逻辑| |----|-----------|----------|----------| |词汇基础练|汉译英、词汇拓展等|聚焦单词拼写、词性转换|从核心词汇记忆到词形变化，构建基础词汇网络| |词汇语境练|单句填空、单项选择等|结合简单语境考查词汇应用|通过句子层面语境，实现词汇从记忆到初步运用的过渡| |词汇语篇练|完形填空、语篇填空等|在语篇中综合运用词汇|依托完整语篇，提升词汇在真实情境中的理解与表达能力|

Unit 4 Personal Finance词汇专项过关 词汇基础练 词汇语境练 词汇语篇练 一、汉译英 英文 中文 英文 中文 单词 n. 财务，金融；资金 n. 口袋，兜 n. 邮票 vt. 买得起 adj. 回收利用的；可循环再造的 vt. & vi. 沉思 vt. 反映 adj. 微笑的；欢快的 vt. 吸引，引起……的好感（或爱慕） n. 顾客；客户 n. 美丽；美好的东西 n. 电子贺卡 n. 材料；原料 n. 交易，协议 adv. 每个月，每月一次 n. 价格，价钱 n. 滑板 n. 预算 n. 开销；费用 adj. 无线的 n. 无线电报 vt. 借给，借出 vt. & vi. 跟踪，追踪 n. 轨道；站台 adj. 可回收利用的；可再循环的 n. 分；便士 n. 巨款；机会 n. 名气 n. 财富，财产 vt. & vi. 分开；分离 adj. 单独的，分开的 det. & pron. 两者都不 短语 零花钱 软饮料（不含酒精） （表示惊奇）怎么可能 学习用品 攒钱 【答案】 英文 中文 英文 中文 单词 finance n. 财务，金融；资金 pocket n. 口袋，兜 stamp n. 邮票 afford vt. 买得起 recyclable adj. 回收利用的；可循环再造的 reflect vt. & vi. 沉思 vt. 反映 smiling adj. 微笑的；欢快的 attract vt. 吸引，引起……的好感（或爱慕） customer n. 顾客；客户 beauty n. 美丽；美好的东西 e-card n. 电子贺卡 material n. 材料；原料 deal n. 交易，协议 monthly adv. 每个月，每月一次 price n. 价格，价钱 skateboard n. 滑板 budget n. 预算 expense n. 开销；费用 wireless adj. 无线的 n. 无线电报 lend vt. 借给，借出 track vt. & vi. 跟踪，追踪 n. 轨道；站台 recycle adj. 可回收利用的；可再循环的 penny n. 分；便士 fortune n. 巨款；机会 fame n. 名气 wealth n. 财富，财产 separate vt. & vi. 分开；分离 adj. 单独的，分开的 neither det. & pron. 两者都不 短语 pocket money 零花钱 soft drink 软饮料（不含酒精） How come （表示惊奇）怎么可能 school supplies 学习用品 save up money 攒钱 2、 词汇拓展（单词变形） 学科网（北京）股份有限公司1 / 5 学科网（北京）股份有限公司 1. finance → __________ (adj.) 金融的，财务的 2. recycle → __________ (adj.) 可回收利用的 3. reflect → __________ (n.) 反射；沉思；反思 4. attract → __________ (n.) 吸引力；魅力 5. beauty → __________ (adj.) 美丽的，漂亮的 6. month → __________ (adv.) 每月地，每月一次 7. expense → __________ (adj.) 昂贵的，费用高的 8. separate → __________ (n.) 分离；分开 9. fortune → __________ (adj.) 幸运的；吉利的 10. famous → __________ (n.) 名气，声誉 11. lend → __________ (n.) 借出；借贷 12. track → __________ (n.) 追踪者；跟踪设 【答案】 1. financial 2. recyclable 3. reflection 4. attraction 5. beautiful 6. monthly 7. expensive 8. separation 9. fortunate 10. fame 11. lending 12. tracker 1、 单词拼写 1. I can’t a__________ this new skateboard, it’s too expensive for me. 2. We need to make a monthly b__________ to manage our pocket money well. 3. This shop provides good materials and good s__________ for customers. 4. You should r__________ on your mistakes in money spending. 5. The beautiful poster a__________ many students’ attention yesterday. 6. I want to s__________ up money to buy a new stamp collection. 7. Don’t l__________ money to your classmates casually. 8. We should t__________ our daily expenses to save money. 9. N__________ of the two books is my favorite on finance. 10. We can s__________ waste paper for reuse to save resources. 【答案】 1. afford 2. budget 3. service 4. reflect 5. attracted 6. save 7. lend 8. track 9. Neither 10. separate 二、根据汉语提示填空 1. Students should learn basic __________ (财务) knowledge at school. 2. I keep some old __________ (邮票) in my pencil box. 3. These __________ (可回收的) materials can be reused again. 4. Her warm smile __________ (反映) her kind heart. 5. Low prices always __________ (吸引) lots of young customers. 6. We need to cut down our daily __________ (开销). 7. My mom checks my pocket money __________ (每月地). 8. This __________ (无线的) mouse is very convenient to use. 9. He got a big __________ (巨款) from his hard work last year. 10. We should keep our personal things __________ (单独的). 【答案】 1. financial 2. stamps 3. recyclable 4. reflects 5. attract 6. expenses 7. monthly 8. wireless 9. fortune 10. separate 三、单项选择 1. I don’t have enough money, so I can’t __________ this new schoolbag. A. lend B. afford C. save D. track 1. 【答案】 B 【解析】afford 意为“买得起、负担得起”，can’t afford sth. 为固定搭配，意为“买不起某物”；lend（借出）、save（节省）、track（追踪）均不符合“没钱买书包”的语境。 2. We should __________ useful waste from rubbish to protect the environment. A. separate B. attract C. reflect D. budget 2. 【答案】A 【解析】separate 意为“分离、分开”，separate sth. from sth. 为固定搭配，意为“将某物和某物区分/分离开”；attract（吸引）、reflect（反思；反映）、budget（预算）均无此搭配，不符合环保语境。 3. The low price of the drink __________ many buyers last weekend. A. caused B. attracted C. tracked D. lent 3. 【答案】B 【解析】attract 意为“吸引”，句意为“这款饮品的低价在上周末吸引了众多购买者”；cause（导致）、track（追踪）、lend（借出）语义不通，不符合句意。 4. You need to make a careful __________ before you spend your pocket money. A. expense B. fortune C. budget D. fame 4. 【答案】C 【解析】budget 意为“预算”，make a budget 为固定短语，意为“制定预算”；expense（开销）、fortune（巨款；运气）、fame（名气）均无法与make构成该搭配，契合花钱消费的语境。 5. I never __________ money to others easily, for fear of not getting it back. A. save B. lend C. afford D. reflect 5. 【答案】B 【解析】lend 意为“借出”，lend money to sb. 为固定搭配，意为“借钱给某人”；save（存钱）、afford（负担得起）、reflect（反思）均不符合句意。 四、完成句子 1. 我打算攒钱买一套新学习用品。 I plan to __________ __________ to buy new __________ __________. 2. 怎么可能你这么小就懂得理财？ __________ __________ you know so much about personal finance at such a young age? 3. 我们应该学会区分可回收垃圾和普通垃圾。 We should learn to __________ recyclable rubbish __________ common rubbish. 4. 他每月都会记录自己的日常开销。 He __________ his daily __________ __________. 5. 这款无线产品吸引了大量年轻顾客。 This __________ product __________ lots of young __________. 【答案】 1. save up; school supplies 2. How come 3. separate; from 4. tracks; expenses monthly 5. wireless; attracts; customers 五、选词填空 budget, afford, attract, separate, expense, recyclable, monthly, reflect 1. It’s important to make a __________ plan for your pocket money. 2. Many families can hardly __________ the rising daily costs. 3. Bright colors always __________ children’s attention easily. 4. We should collect __________ waste to protect our environment. 5. High living __________ make many young people save money carefully. 6. The book can __________ the real life of teenagers’ money management. 7. He checks his income and costs __________ to control his spending. 8. It’s necessary to __________ work from life properly. 【答案】1. budget 2. afford 3. attract 4. recyclable 5. expenses 6. reflect 7. monthly 8. separate 一、用方框中所给词汇的正确形式填空。有两个词为多余项。 finance, afford, budget, expense, attract, lend, track, separate, recyclable, monthly, fortune, reflect Nowadays, teenagers need to learn basic 1. __________ knowledge. Many students have pocket money, but few of them can make a reasonable 2. __________. They don’t 3. __________ their daily spending, so their unnecessary 4. __________ are always high. Some expensive toys and snacks 5. __________ teenagers easily, making them spend money without being able to 6. __________ their real‑life needs. It’s unwise to 7. __________ money to classmates without thinking. We should 8. __________ useful things from waste and form good consumption habits. A good spending habit can 9. __________ our self-discipline. If we manage money well 10. __________, we will make better use of our pocket money. 【答案解析】 1. financial 形容词作定语，修饰名词knowledge，financial knowledge 为固定搭配，意为“理财知识、金融知识”，符合青少年学习理财的语境。 2. budget 可数名词单数，make a budget 固定短语“制定预算”，此处指合理规划零花钱，贴合句意。 3. track 动词原形，don’t 后接动词原形，track daily spending 意为“记录日常开销”，是理财常用表达。 4. expenses 名词复数，形容词unnecessary后接名词，谓语为are，说明主语为复数，unnecessary expenses 表示“不必要的开销”。 5. attract 动词原形，主语toys and snacks为复数，谓语用原形，attract teenagers 意为“吸引青少年”，符合消费现象语境。 6. afford 动词原形，be able to后接动词原形，afford real-life needs 表示“负担实际生活所需”，契合盲目消费的句意。 7. lend 动词原形，It’s unwise to do sth. 为固定句型，lend money to sb. 固定搭配“借钱给某人”。 8. separate 动词原形，should后接动词原形，separate...from... 固定搭配“从……中分离/分拣出……”，此处指分拣可利用废弃物。 9. reflect 动词原形，情态动词can后接动词原形，reflect self-discipline 意为“体现自律能力”，贴合句意。 10. monthly 副词作状语，修饰动词短语manage money，monthly 表示“每月地”，指每月做好理财。 多余词汇：fortune、recyclable 二、首字母填空 It is necessary for teenagers to learn money management. First, we should make a monthly b__________(1) for our pocket money. We need to t__________(2) all our daily e__________(3) to avoid wasting money. We can’t a__________(4) all the expensive things we like. Some colorful products only a__________(5) our eyes but have no practical use. We should r__________(6) on our consumption habits and s__________(7) useful waste materials. Besides, never l__________(8) money to others casually. Learning f__________(9) knowledge helps us stay away from bad consumption and get real f__________(10) in life. 【答案】 1. budget 2. track 3. expenses 4. afford 5. attract 6. reflect 7. recycle 8. lend 9. financial 10. fortune 三、完形填空 Many teenagers have pocket money, but most of them don’t know how to manage it properly. They often spend money randomly and never make a 1. __________. Some snacks and toys easily 2. __________ teenagers. They want to buy everything they like, so they can’t 3. __________ their daily expenses well. Some even 4. __________ money from classmates, which is a bad habit. They fail to 5. __________ on their spending habits and never 6. __________ their own mistakes. In fact, learning basic 7. __________ skills is important for students. We should 8. __________ money for useful things and form good consumption habits. 1．A. budget B. plan C. choice 2．A. attract B. accept C. afford 3．A. track B. separate C. lend 4．A. save B. lend C. borrow 5．A. reflect B. control C. attract 6．A. care B. realize C. track 7．A. monthly B. financial C. recyclable 8．A. save B. afford C. attract 【答案】1．A 2．A 3．A 4．C 5．A 6．B 7．B 8．A 【导语】本文主要介绍青少年零花钱管理的现状，指出多数青少年存在随意消费、盲目购物、随意借钱的不良习惯，强调青少年学习基础理财知识、养成良好消费习惯的重要性。 1． 句意：他们经常随意花钱，从不制定预算。 budget预算；plan计划；choice选择。结合全文理财主题，make a budget是理财固定搭配，指制定消费预算，贴合零花钱管理语境。故选A。 2． 句意：一些零食和玩具很容易吸引青少年。 attract吸引；accept接受；afford负担得起。根据生活常识，花哨的零食和玩具容易吸引青少年购买，符合消费场景。故选A。 3． 句意：他们喜欢什么就想买什么，因此无法很好地管控日常开销。 track追踪、管控；separate分离；lend借出。此处指无法记录、管控日常支出，track expenses为理财常用搭配。故选A。 4． 句意：有些人甚至向同学借钱，这是一个坏习惯。 save节省；lend借出；borrow借入。结合语境，此处是向同学借钱，borrow from sb. 表示“向某人借入”。故选C。 5． 句意：他们无法反思自己的消费习惯，从未意识到自己的问题。 reflect反思；control控制；attract吸引。reflect on spending habits 表示“反思消费习惯”，贴合自我审视消费行为的语境。故选A。 6． 句意：他们无法反思自己的消费习惯，从未意识到自己的问题。 care在意；realize意识到；track追踪。结合句意，指多数青少年没有发现、意识不到自己的消费误区。故选B。 7． 句意：事实上，学习基础的理财技能对学生至关重要。 monthly每月的；financial金融的、理财的；recyclable可回收的。financial skills 为固定搭配，意为“理财技能”，契合全文主题。故选B。 8．句意：我们应该为刚需物品存钱，养成良好的消费习惯。 save节省、储蓄；afford负担得起；attract吸引。save money 存钱，是正确的理财消费行为，符合句意。故选A。 $Unit 4 Personal and Finance词汇专项过关 词汇基础练 词汇语境练 词汇语篇练 一、汉译英 英文 中文 英文 中文 单词 n. 财务，金融；资金 n. 口袋，兜 n. 邮票 vt. 买得起 adj. 回收利用的；可循环再造的 vt. & vi. 沉思 vt. 反映 adj. 微笑的；欢快的 vt. 吸引，引起……的好感（或爱慕） n. 顾客；客户 n. 美丽；美好的东西 n. 电子贺卡 n. 材料；原料 n. 交易，协议 adv. 每个月，每月一次 n. 价格，价钱 n. 滑板 n. 预算 n. 开销；费用 adj. 无线的 n. 无线电报 vt. 借给，借出 vt. & vi. 跟踪，追踪 n. 轨道；站台 adj. 可回收利用的；可再循环的 n. 分；便士 n. 巨款；机会 n. 名气 n. 财富，财产 vt. & vi. 分开；分离 adj. 单独的，分开的 det. & pron. 两者都不 短语 零花钱 软饮料（不含酒精） （表示惊奇）怎么可能 学习用品 攒钱 2、 词汇拓展（单词变形） 学科网（北京）股份有限公司1 / 5 学科网（北京）股份有限公司 1. finance → __________ (adj.) 金融的，财务的 2. recycle → __________ (adj.) 可回收利用的 3. reflect → __________ (n.) 反射；沉思；反思 4. attract → __________ (n.) 吸引力；魅力 5. beauty → __________ (adj.) 美丽的，漂亮的 6. month → __________ (adv.) 每月地，每月一次 7. expense → __________ (adj.) 昂贵的，费用高的 8. separate → __________ (n.) 分离；分开 9. fortune → __________ (adj.) 幸运的；吉利的 10. famous → __________ (n.) 名气，声誉 11. lend → __________ (n.) 借出；借贷 12. track → __________ (n.) 追踪者；跟踪设备 1、 单词拼写 1. I can’t a__________ this new skateboard, it’s too expensive for me. 2. We need to make a monthly b__________ to manage our pocket money well. 3. This shop provides good materials and good s__________ for customers. 4. You should r__________ on your mistakes in money spending. 5. The beautiful poster a__________ many students’ attention yesterday. 6. I want to s__________ up money to buy a new stamp collection. 7. Don’t l__________ money to your classmates casually. 8. We should t__________ our daily expenses to save money. 9. N__________ of the two books is my favorite on finance. 10. We can s__________ waste paper for reuse to save resources. 二、根据汉语提示填空 1. Students should learn basic __________ (财务) knowledge at school. 2. I keep some old __________ (邮票) in my pencil box. 3. These __________ (可回收的) materials can be reused again. 4. Her warm smile __________ (反映) her kind heart. 5. Low prices always __________ (吸引) lots of young customers. 6. We need to cut down our daily __________ (开销). 7. My mom checks my pocket money __________ (每月地). 8. This __________ (无线的) mouse is very convenient to use. 9. He got a big __________ (巨款) from his hard work last year. 10. We should keep our personal things __________ (单独的). 三、单项选择 1. I don’t have enough money, so I can’t __________ this new schoolbag. A. lend B. afford C. save D. track 2. We should __________ useful waste from rubbish to protect the environment. A. separate B. attract C. reflect D. budget 3. The low price of the drink __________ many buyers last weekend. A. caused B. attracted C. tracked D. lent 4. You need to make a careful __________ before you spend your pocket money. A. expense B. fortune C. budget D. fame 5. I never __________ money to others easily, for fear of not getting it back. A. save B. lend C. afford D. reflect 四、完成句子 1. 我打算攒钱买一套新学习用品。 I plan to __________ __________ to buy new __________ __________. 2. 怎么可能你这么小就懂得理财？ __________ __________ you know so much about personal finance at such a young age? 3. 我们应该学会区分可回收垃圾和普通垃圾。 We should learn to __________ recyclable rubbish __________ common rubbish. 4. 他每月都会记录自己的日常开销。 He __________ his daily __________ __________. 5. 这款无线产品吸引了大量年轻顾客。 This __________ product __________ lots of young __________. 五、选词填空budget, afford, attract, separate, expense, recyclable, monthly, reflect 1. It’s important to make a __________ plan for your pocket money. 2. Many families can hardly __________ the rising daily costs. 3. Bright colors always __________ children’s attention easily. 4. We should collect __________ waste to protect our environment. 5. High living __________ make many young people save money carefully. 6. The book can __________ the real life of teenagers’ money management. 7. He checks his income and costs __________ to control his spending. 8. It’s necessary to __________ work from life properly. 一、用方框中所给词汇的正确形式填空。有两个词为多余项。 finance, afford, budget, expense, attract, lend, track, separate, recyclable, monthly, fortune, reflect Nowadays, teenagers need to learn basic 1. __________ knowledge. Many students have pocket money, but few of them can make a reasonable 2. __________. They don’t 3. __________ their daily spending, so their unnecessary 4. __________ are always high. Some expensive toys and snacks 5. __________ teenagers easily, making them spend money without being able to 6. __________ their real‑life needs. It’s unwise to 7. __________ money to classmates without thinking. We should 8. __________ useful things from waste and form good consumption habits. A good spending habit can 9. __________ our self-discipline. If we manage money well 10. __________, we will make better use of our pocket money. 二、首字母填空 It is necessary for teenagers to learn money management. First, we should make a monthly b__________(1) for our pocket money. We need to t__________(2) all our daily e__________(3) to avoid wasting money. We can’t a__________(4) all the expensive things we like. Some colorful products only a__________(5) our eyes but have no practical use. We should r__________(6) on our consumption habits and s__________(7) useful waste materials. Besides, never l__________(8) money to others casually. Learning f__________(9) knowledge helps us stay away from bad consumption and get real f__________(10) in life. 三、完形填空 Many teenagers have pocket money, but most of them don’t know how to manage it properly. They often spend money randomly and never make a 1. __________. Some snacks and toys easily 2. __________ teenagers. They want to buy everything they like, so they can’t 3. __________ their daily expenses well. Some even 4. __________ money from classmates, which is a bad habit. They fail to 5. __________ on their spending habits and never 6. __________ their own mistakes. In fact, learning basic 7. __________ skills is important for students. We should 8. __________ money for useful things and form good consumption habits. 1．A. budget B. plan C. choice 2．A. attract B. accept C. afford 3．A. track B. separate C. lend 4．A. save B. lend C. borrow 5．A. reflect B. control C. attract 6．A. care B. realize C. track 7．A. monthly B. financial C. recyclable 8．A. save B. afford C. attract $