Unit 2 On the money 单元话题阅读理解分层专项训练9篇 2026-2027学年外研版九年级上册英语

**基本信息** 以“金钱管理”为核心，通过难度分层（基础/进阶/冲刺）构建从信息提取到综合思辨的能力训练体系，融合语言能力与价值观培养。 **专项设计** |模块|题量/典例|方法提炼|知识逻辑| |----|-----------|----------|----------| |基础过关|3篇（通知/个人经历/论坛观点）|信息定位、词义猜测（如sensible）|从具体活动到个人实践，建立金钱管理基础认知| |能力进阶|3篇（调查数据/文学分析/四步法指南）|逻辑推理、语篇结构分析（如4-step规划法）|从数据论证到方法总结，培养理性消费思维| |提优冲刺|3篇（议论文/访谈/教育论述）|综合思辨、价值判断（如superficial vanity）|从个人认知到社会意义，深化金钱价值观|

外研版（新教材）九年级上册Unit 2 On the money 单元话题阅读理解专项训练 主题：人与自我 —— 生活技能与价值观 难度分层：基础过关｜能力进阶｜提优冲刺 第一部分 基础过关（3篇）｜侧重信息提取与语篇感知 Passage 1 School Pocket Money Management Workshop Do you always spend your pocket money randomly and end up having no savings at the end of a month? Do you wonder how to use your money wisely? Our school Student Union will hold a pocket money management workshop (研习会) for Grade 9 students. The activity aims to help students form correct money values and master basic saving and spending skills. Activity Time: 4:00 p.m. — 5:30 p.m., Friday, September 18th Place: School Lecture Hall, No.2 Teaching Building Main Contents Learn to tell necessary spending from unnecessary spending. Daily costs like stationery and meals are basic needs, while blind buying of trendy toys is wasteful. Make personal monthly budget (预算). Teachers will teach simple ways to record daily income and spending. Share student cases: Some students keep saving small money every month and use it for book buying or public welfare (公益) donations. Warm Tips Please take a notebook to record key knowledge. All participants (参与者) will get a practical money-planning worksheet. Besides, the most sensible money plan shown in the sharing session will win a set of classic reading books. Sign up before September 15th in your class teacher’s office. Don’t miss the chance to change your spending habits! Questions 1. What is the main purpose of the workshop? A. To help students win free books easily B. To guide students to use pocket money properly C. To encourage students to donate all their savings D. To teach students how to make more pocket money 2. What can students do in the workshop? A. Learn to design different kinds of toys B. Get a free notebook from the school C. Master ways to make a monthly budget D. Sign up with their teachers after Sep 15th 3. What does the underlined word "sensible" mean? A. reasonable B. creative C. special D. complex 4. Where is the text most probably from? A. A science magazine B. A school notice board C. A storybook for teenagers D. A shopping website 5. Which behavior does the workshop advocate? A. Buying popular toys without thinking B. Saving money for useful and meaningful things C. Spending all pocket money on daily meals D. Recording income instead of spending Passage 2 When I was in Grade 8, I had no idea of managing pocket money. My parents gave me 100 yuan every month, and I always spent it on snacks and online small gifts within two weeks. I often felt broke and regretted my wasteful behavior, but I never changed my habits. Everything changed after my grandma’s birthday last winter. I wanted to buy a warm scarf for her as a gift, but I had no savings at all. I felt upset and realized that money did not come easily. My parents work hard to support the whole family, and my casual spending was really a pity. Then I decided to make a change. I started a simple money plan. Every month, I divide my pocket money into three parts: 50% for daily necessary use, 30% for savings and 20% for small hobbies. I keep a small notebook to record every single cost. When I want to buy something useless, I will stop myself at once. After half a year, I finally saved enough money. I bought the scarf for my grandma, and she was deeply moved. I also found a new virtue of saving money: it not only helps us get what we really need, but also teaches us to be grateful (感恩的) and self-disciplined (自律的). Money is not for casual enjoyment. It is a tool to help us live a better life and care for the people we love. This small change has brought me huge growth. Questions 1. What was the writer’s problem one year ago? A. He had too little pocket money every month B. He failed to manage his pocket money well C. He refused to buy gifts for family members D. He hated recording his daily spending 2. What made the writer decide to change his spending habit? A. His parents’ strict warning B. The poor quality of his daily gifts C. His failure to buy a birthday gift for grandma D. The school’s financial education class 3. What does the underlined word "virtue" mean? A. advantage B. rule C. mistake D. difficulty 4. What is the right order of the writer’s change? a. Saved money and bought a scarf b. Had no savings for grandma’s gift c. Made a scientific pocket money plan A. b-c-a B. b-a-c C. c-b-a D. c-a-b 5. What does the writer want to tell us? A. Saving money is the only good habit for teenagers B. Proper money management brings personal growth C. We should spend all savings on our family D. Pocket money should never be used for hobbies Passage 3 A school online forum invites students to share their opinions on "How should teenagers use pocket money". Here are three typical replies from Grade 9 students. User Opinions on pocket money use Li Jia I always save half of my pocket money. I use the savings to buy books and learning tools. I think investing (投入) in study is the most valuable use of money. Never waste money on useless entertainment. Zhang Hao I think teenagers should not be too mean to themselves. Proper spending on hobbies is acceptable. I spend a little money on sports equipment every month, which makes my after-school life more colorful. But I never overspend. Wang Yu I stick to a special habit: donate 10% of my pocket money to poor students in mountain areas every month. Money can bring warmth to others, which makes me feel more fulfilled (有成就感的) than buying things for myself. It is a worthy way to use money. All three students have clear spending rules. They never spend money blindly. Their stories show that teenagers can develop good financial views from small daily behaviors. Questions 1. What does Li Jia think is the most valuable use of pocket money? A. Doing public welfare B. Supporting study needs C. Developing personal hobbies D. Saving for future travel 2. Which word can best describe Zhang Hao’s consumption (消费) idea? A. Blind B. Extreme C. Moderate D. Wasteful 3. What does the underlined word "worthy" mean? A. valuable B. simple C. common D. traditional 4. What is the common point of the three students? A. They donate money every month B. They have rational spending habits C. They spend most money on study D. They never spend money on entertainment 5. What is the text mainly about? A. Different teenagers’ healthy money using ways B. The importance of having much pocket money C. Various problems of teenage overspending D. The best way to save pocket money for students 第二部分 能力进阶（3篇）｜侧重逻辑推理与语篇分析 Passage 4 Many teenagers hold a simple view that money is just for buying things. However, financial literacy (理财素养) is an important life skill that every student should learn during middle school. It is not about making money, but about using and understanding money correctly. A recent school survey studied 500 Grade 9 students’ money behaviors. The data shows clear differences between students with good financial habits and those without. Behaviors Students with good habits Students with bad habits Make monthly spending plans 86% 23% Save money regularly 79% 18% Blindly buy trendy goods 12% 67% Experts point out that teenage financial habits will influence their whole life. Students who can manage pocket money well are more likely to make rational decisions when they grow up. They will not be trapped (陷入) by unnecessary consumption desires. Besides, true wealth is not only about material money. When teenagers learn to plan money, they also learn to control their desires, respect labor results and cherish (珍惜) what they have. This spiritual wealth is far more crucial than pocket money itself. Schools and families should work together to teach teenagers financial knowledge, helping them build positive money values. Questions 1. What is financial literacy for teenagers mainly about? A. Learning to earn pocket money B. Mastering correct money attitudes and usage C. Studying how to do business D. Saving all money for future use 2. What can we learn from the survey data? A. Most students have good spending plans B. Few students with bad habits buy trendy goods C. Good habit students are better at regular saving D. Half of the students can control their shopping desire 3. What does the underlined word "crucial" mean? A. ordinary B. important C. strange D. simple 4. What is the writer’s attitude towards teenage financial education? A. Doubtful B. Uncaring C. Supportive D. Worried 5. What can we infer from the passage? A. Financial habits in teens affect future life greatly B. Material wealth is more important than spirit C. Most teenagers have rational money views now D. Schools alone can solve teenage spending problems Passage 5 We have read the famous short story The Gift of the Magi in our unit. The story tells a warm story about true love and the real value of money. Della and Jim were a poor young couple. They had little money, but they loved each other deeply. Della had beautiful long hair, and Jim had a precious golden watch passed down by his family. To buy a Christmas chain (链子) for Jim’s watch, Della cut and sold her long hair. At the same time, Jim sold his favorite watch to buy a set of expensive combs (梳子) for Della’s hair. Finally, their precious gifts became useless materially. However, no one can deny (否认) that they got the most valuable gift in the world — sincere love. Many students may feel confused: why would they give up their most precious things for each other? The answer lies in the value judgment. Money can buy goods and luxury (奢侈品), but it can never buy true feelings. Material things can be regained, but true love and care are irreplaceable. The story teaches us a lifelong lesson: the value of life does not lie in how much money we own, but in how much love we give and receive. In our daily life, we often care too much about material gains. We chase expensive toys and clothes, and think money can bring all happiness. But The Gift of the Magi reminds us that warmth and affection (温情) are the real wealth beyond money. Questions 1. What did Della do for Jim’s Christmas gift? A. Bought a golden watch for Jim B. Sold her long hair for a watch chain C. Gave up her combs to save money D. Used her savings to buy a watch 2. Why are their gifts useless materially? A. The gifts were too cheap and low-quality B. They no longer had the matching things for gifts C. They didn’t like the Christmas gifts at all D. The gifts were broken when they got them 3. What does the underlined word "irreplaceable" mean? A. cannot be changed B. cannot be bought C. cannot be replaced D. cannot be hidden 4. What is the writer’s purpose of writing the passage? A. To retell the full story of The Gift of the Magi B. To show the poor life of the young couple C. To explain the true value beyond money D. To advise readers not to buy expensive gifts 5. What can we infer from the passage? A. Material wealth is totally meaningless B. True feelings are more valuable than money C. Poor people understand love better than rich ones D. Christmas gifts must be expensive and special Passage 6 Proper pocket money planning is a basic life skill for teenagers. Many students spend money casually because they lack scientific planning methods. Here is a simple and practical 4-step guide to help you manage your pocket money well. 1. Record every income and spending Keep a daily money notebook or use simple mobile apps to write down all your money changes. When you clearly know where your money goes, you can find your wasteful behaviors easily. 2. Divide money into different parts It is widely suggested to separate pocket money into three accounts: daily spending (60%), long-term savings (30%) and public welfare or gift use (10%). This fixed division can avoid overspending on single needs. 3. Delay impulsive (冲动的) buying When you see attractive goods that you do not really need, do not buy them at once. Wait for 3 days. Most impulsive shopping desires will disappear after careful consideration. This method helps you cut down unnecessary costs greatly. 4. Review and adjust (调整) plans monthly At the end of each month, check your spending records. Find out your problems and adjust your money distribution (分配) properly. For example, if you spend too much on snacks, you can reduce this part and increase study-related spending. These simple steps are easy to follow. Sticking to them will help you form a steady and mature money view step by step during your teenage years. Questions 1. What is the first step of the money planning guide? A. Separating money into three parts B. Keeping clear money records every day C. Stopping all kinds of shopping behaviors D. Changing spending plans every week 2. According to the guide, how much pocket money should be saved for long-term use? A. 10% B. 30% C. 60% D. 100% 3. What does the underlined word "mature" mean? A. perfect and reasonable B. new and popular C. strict and boring D. simple and casual 4. Why does the guide suggest delaying buying unwanted goods? A. To wait for goods to be cheaper B. To get more time to consider needs C. To refuse all shopping completely D. To save money for expensive gifts 5. What is the best benefit of monthly plan review? A. Helping correct unreasonable spending habits B. Making pocket money become more C. Helping students finish school tasks faster D. Changing teenagers’ hobbies completely 第三部分 提优冲刺（3篇）｜侧重综合思辨与深层理解 Passage 7 The True Meaning of Money for Teenagers In the digital consumption era (时代), teenagers are faced with various shopping temptations (诱惑). Online live-stream shopping, limited-edition toys and trendy clothes make many teenagers form wrong money views. Some teenagers believe that money can bring endless happiness, while others refuse to spend money and become overly mean. Both extreme attitudes are incorrect. As middle school students, we need to build a balanced and rational view of money. Firstly, we must understand the origin of money. All money is the reward of hard work. Our parents gain income through hard and tiring work, so every coin deserves our respect. Wasting money is actually disrespecting others’ labor fruits. Secondly, money is a functional tool rather than a symbol of status (身份). Many teenagers compare their pocket money or luxury goods with classmates, which is a wrong value orientation. Money cannot define a person’s worth. A teenager’s value lies in his kindness, diligence and sense of responsibility, not his consumption level. Thirdly, money should serve life and warmth. Proper spending on study, family care and public welfare can make money produce positive value. Saving blindly and refusing reasonable spending will also make life lose fun and meaning. Growing up with a correct money view is an important part of adolescent self-cultivation (修养). Learning to cherish, plan and use money wisely will help us stay away from superficial vanity (虚荣) and become more independent and thoughtful teenagers. Questions 1. What is the writer’s main opinion in the passage? A. Teenagers should save every coin they have B. Money is the most important symbol of personal value C. Teenagers need to build balanced and rational money views D. Digital shopping brings only bad influences to students 2. What can we infer about teenage money problems nowadays? A. All teenagers have wrong attitudes towards money B. Online consumption leads to some wrong money views C. Most students waste money on books and study tools D. Teenagers always compare scores with classmates 3. What does the underlined word "superficial" mean? A. useless and shallow B. special and rare C. hidden and secret D. strange and new 4. Which of the following shows correct money value? A. Buying luxury goods to show superiority B. Wasting pocket money on useless live-stream goods C. Saving money and donating to help needy people D. Refusing all spending to keep more savings 5. Who is the passage mainly written for? A. Parents B. Teenagers C. Teachers D. Businessmen Passage 8 Our school’s student press team made a special interview about teenage money values. They invited a moral education teacher and two Grade 9 students to share their different views on "money and growth". Ms. Liu (Moral Education Teacher): Many students think managing money is just saving money. This is a one-sided understanding. Rational money management includes saving, proper consumption and willing dedication (奉献). We teach students financial knowledge not to make them greedy for wealth, but to let them learn self-control. When teenagers can control their spending desires, they can better control their behaviors and emotions in study and life. Su Lin (Student): I used to spend money without thinking. After learning the unit, I started my own money plan. I think money helps us realize small wishes, but it should never control us. Last month, I gave up buying a trendy toy and used the money to buy reference books for my weak subjects. This kind of spending makes me feel more fulfilled. Tao Yu (Student): I believe money carries warmth. I keep the habit of donating small money every month. I don’t have much pocket money, but small savings can also help others. Many people ignore that kindness is the best asset in our life, which money can never buy. The three speakers share a common core: money is a tool for growth and warmth, not a goal of life. Teenagers’ financial education is essentially a kind of value education, which shapes students’ sense of responsibility and gratitude. Questions 1. What does Ms. Liu think of money management? A. It is only a way to save more pocket money B. It helps teenagers improve self-control ability C. It makes students become greedy for wealth D. It is more important than study knowledge 2. What did Su Lin do to change her spending habit? A. She stopped all entertainment consumption B. She used money for meaningful study needs C. She donated most savings to poor students D. She gave up buying all trendy goods 3. What does the underlined word "asset" mean? A. treasure B. dream C. choice D. challenge 4. What is the common view of the three speakers? A. Saving money is the only way to grow up B. Money should serve positive life growth C. Teenagers should not have pocket money D. Donation is the best use of pocket money 5. What can we critically learn from the interview? A. Financial education shapes teenagers’ values B. Pocket money brings more troubles than benefits C. Students must donate money every month D. Saving money makes people lose life fun Passage 9 Nowadays, more and more countries pay attention to teenagers’ financial education. Unlike traditional education which only focuses on academic scores, modern teenage education regards money management as a necessary core life skill. Many parents hold a wrong opinion that teenagers are too young to learn about money. They prefer to provide their children with enough pocket money and satisfy their material needs, fearing that money education will make kids too worldly (世俗的). However, experts have proved that teenage years are the best time to form correct financial habits. When teenagers learn to manage pocket money, they get more than just spending skills. Firstly, they learn to understand the value of labor. Knowing that money is earned through hard work makes them more grateful to their parents and society. Secondly, they develop critical thinking. They will learn to distinguish (区分) necessary spending from useless consumption, instead of following others blindly. Thirdly, proper financial training helps teenagers build independent personality. Many young people overspend and even fall into debt when they grow up, simply because they lacked money planning education in their teenage years. Good early financial habits can effectively avoid such problems. Financial education does not aim to train young people to be rich, but to help them form a sober (清醒的) and correct attitude towards wealth. It teaches teenagers that wealth is created through hard work, and the greatest value of money is to create a better life and pass on warmth, rather than to pursue luxury and enjoyment blindly. Questions 1. What do many parents wrongly believe? A. Money education is unsuitable for teenagers B. Financial skills are important for growth C. Teenagers should learn to save money early D. Academic scores are less important than life skills 2. Which benefit does financial education bring to teenagers? A. Making them earn much money at a young age B. Helping them form independent personal traits C. Allowing them to follow shopping trends easily D. Making them refuse all material consumption 3. What does the underlined word "luxury" mean? A. expensive fancy goods B. daily necessary supplies C. public welfare projects D. learning tools and books 4. What is the main idea of the passage? A. The disadvantages of teenage overspending B. The importance of teenage financial education C. Different opinions on school academic education D. Ways to help teenagers earn pocket money 5. Where is the passage most probably taken from? A. A teenage education journal B. A shopping advertisement C. A storybook for little kids D. A sports news website 学科网（北京）股份有限公司 $ 答案解析 第一部分 基础过关（3篇） Passage 1 1. 答案：B；解析：根据文中“The activity aims to help students form correct money values and master basic saving and spending skills.”可知研习会目的是引导学生合理使用零花钱。A容易赢免费书籍、C鼓励捐出全部积蓄、D教学生赚更多零花钱，均不符合原文。 2. 答案：C；解析：根据文中“Make personal monthly budget (预算). Teachers will teach simple ways to record daily income and spending.”可知学生可以掌握制定每月预算的方法。A设计各类玩具；B从学校获得免费笔记本，原文要求自带笔记本；D9月15日后找老师报名，原文要求9月15日前报名。 3. 答案：A；解析：根据上下文，分享环节展示的合理的金钱计划可以获奖。sensible意为“合理的”；A.reasonable合理的，B.creative有创造力的，C.special特别的，D.complex复杂的。 4. 答案：B；解析：本篇是学校研习会通知，最有可能出现在学校公告栏。A科学杂志；C青少年故事书；D购物网站，均不符合文体。 5. 答案：B；解析：根据文中“Some students keep saving small money every month and use it for book buying or public welfare (公益) donations.”可知研习会提倡把钱存下来用于有用、有意义的事。A不假思索买新潮玩具；C把零花钱全部花在吃饭上；D只记录收入不记录支出，均是不提倡的行为。 Passage 2 1. 答案：B；解析：根据“When I was in Grade 8, I had no idea of managing pocket money.”可知作者一年前不擅长管理零花钱。A零花钱太少；C拒绝给家人买礼物；D讨厌记录开销，均不是原文事实。 2. 答案：C；解析：根据“I wanted to buy a warm scarf for her as a gift, but I had no savings at all. I felt upset and realized that money did not come easily.”可知，没能给奶奶买生日礼物这件事促使作者改变消费习惯。A父母严厉警告；B日常礼物质量差；D学校理财课，文中均未提及。 3. 答案：A；解析：根据后文“it not only helps us get what we really need, but also teaches us to be grateful (感恩的) and self‑disciplined (自律的)”，存钱带来新的益处。virtue此处指好处、优点；A.advantage优势，益处；B.rule规则；C.mistake错误；D.difficulty困难。 4. 答案：A；解析：事件顺序：b.没有积蓄给奶奶买礼物 → c.制定科学零花钱计划 → a.存钱买下围巾，对应b‑c‑a。 5. 答案：B；解析：文章结尾“This small change has brought me huge growth.”点明主旨：恰当的理财可以带来个人成长。A存钱是青少年唯一好习惯；C所有积蓄都该花在家人身上；D零花钱绝不可以用于爱好，表述过于绝对，和原文不符。 Passage 3 1. 答案：B；解析：根据Li Jia部分“I think investing (投入) in study is the most valuable use of money.”可知李佳认为把钱投入学习需求最有价值。A做公益；C发展个人爱好；D存钱未来旅行，均不是她的观点。 2. 答案：C；解析：Zhang Hao的观点：可以适度为爱好花钱，但绝不超支。moderate意为适度的；A.blind盲目的；B.extreme极端的；D.wasteful浪费的。 3. 答案：A；解析：根据上下文，每月捐零花钱帮助山区学生，这是一种有价值的用钱方式。worthy意为有价值的；A.valuable有价值的；B.simple简单的；C.common普通的；D.traditional传统的。 4. 答案：B；解析：根据“All three students have clear spending rules. They never spend money blindly.”三人共同点是拥有理性消费习惯。A每月都捐款只有王宇；C大部分钱花在学习只对应李佳；D绝不把钱用于娱乐表述错误，张浩支持适度爱好消费。 5. 答案：A；解析：文本主要介绍三位青少年不同的健康用钱方式。B拥有很多零花钱的重要性；C青少年过度消费的各类问题；D学生存钱的最好方法，均不是文章主旨。 第二部分 能力进阶（3篇） Passage 4 1. 答案：B；解析：根据“It is not about making money, but about using and understanding money correctly.”理财素养主要是掌握正确的金钱态度与用钱方式。A学习赚零花钱；C学习做生意；D把所有钱存起来，均错误。 2. 答案：C；解析：表格数据：拥有好习惯的学生79%定期存钱，坏习惯组仅18%，说明好习惯学生更擅长定期存钱。A大多数学生有良好消费计划；B坏习惯学生很少买潮流商品；D一半学生可以控制购物欲望，均和表格数据矛盾。 3. 答案：B；解析：“This spiritual wealth is far more crucial than pocket money itself.”这种精神财富远比零花钱本身重要。crucial意为重要的；A.ordinary普通的；B.important重要的；C.strange奇怪的；D.simple简单的。 4. 答案：C；解析：文末“Schools and families should work together to teach teenagers financial knowledge, helping them build positive money values.”作者支持对青少年开展理财教育。A.Doubtful怀疑的；B.Uncaring漠不关心的；C.Supportive支持的；D.Worried担忧的。 5. 答案：A；解析：根据“Experts point out that teenage financial habits will influence their whole life.”青少年时期理财习惯极大影响未来生活。B物质财富比精神更重要，原文相反；C如今大部分青少年金钱观念理性，文中没有依据；D只靠学校就能解决青少年消费问题，原文要求家校合作。 Passage 5 1. 答案：B；解析：根据“To buy a Christmas chain (链子) for Jim’s watch, Della cut and sold her long hair.”Della卖掉长发，换取手表链子，作为Jim的圣诞礼物。A给Jim买金表；C放弃梳子省钱；D用积蓄买手表，均错误。 2. 答案：B；解析：Della卖掉了头发，用不上梳子；Jim卖掉了祖传金表，用不上表链。他们不再拥有和礼物相匹配的物品，所以物质层面礼物失去用途。A礼物廉价质量差；C完全不喜欢礼物；D礼物收到就损坏，原文无依据。 3. 答案：C；解析：“Material things can be regained, but true love and care are irreplaceable.”物质可以重新获得，但真爱与关怀是不可被替代的。irreplaceable意为cannot be replaced。 4. 答案：C；解析：文章复述故事之后重在阐释：金钱之外的真正价值——真情。A完整复述麦琪的礼物全文；B展示年轻夫妇贫苦生活；D建议读者不要买昂贵礼物，都不是写作目的。 5. 答案：B；解析：全文主旨：真情比金钱更加珍贵。A物质财富完全没有意义，表述过于绝对；C穷人比富人更懂爱，原文没有对比；D圣诞礼物必须昂贵特别，和原文观点相反。 Passage 6 1. 答案：B；解析：第一步标题“1. Record every income and spending”，要每天清晰记录所有金钱收支。A把钱分成几份是第二步；C停止一切购物；D每周修改消费计划，均错误。 2. 答案：B；解析：文中“separate pocket money into three accounts: daily spending (60%), long‑term savings (30%) and public welfare or gift use (10%)”长期储蓄占30%。 3. 答案：A；解析：“form a steady and mature money view step by step”逐步形成稳定且成熟合理的金钱观。mature此处指perfect and reasonable成熟合理；B新颖流行；C严格无聊；D简单随意。 4. 答案：B；解析：根据“When you see attractive goods that you do not really need, do not buy them at once. Wait for 3 days. Most impulsive shopping desires will disappear after careful consideration.”推迟购买不需要的东西，是留出时间思考自己是否真的需要。A等商品降价；C彻底拒绝购物；D为贵重礼物存钱，原文未提及。 5. 答案：A；解析：第四步“check your spending records. Find out your problems and adjust your money distribution (分配) properly.”每月复盘计划，好处是纠正不合理消费习惯。B让零花钱变多；C更快完成学校任务；D彻底改变青少年爱好，均错误。 第三部分 提优冲刺（3篇） Passage 7 1. 答案：C；解析：全文主旨句“As middle school students, we need to build a balanced and rational view of money.”青少年要建立平衡、理性的金钱观。A存下每一分硬币；B金钱是个人价值最重要的象征；D线上购物只会带来坏影响，表述错误。 2. 答案：B；解析：根据“In the digital consumption era (时代), teenagers are faced with various shopping temptations (诱惑). Online live‑stream shopping, limited‑edition toys and trendy clothes make many teenagers form wrong money views.”线上消费诱惑造成部分青少年错误金钱观念。A全部青少年金钱观念错误，all过于绝对；C大多数学生把钱浪费在书本学习工具上；D青少年总攀比分数，原文是攀比奢侈品零花钱。 3. 答案：A；解析：“stay away from superficial vanity (虚荣)”远离肤浅空洞的虚荣。superficial意为useless and shallow肤浅空洞的；B特别稀少；C隐秘；D新奇陌生。 4. 答案：C；解析：存钱并捐款帮助有需要的人是正确金钱价值观。A买奢侈品炫耀优越感；B直播间盲目买无用商品；D拒绝一切消费只存钱，属于文中批判的极端做法。 5. 答案：B；解析：通篇使用“we middle school students / teenagers”，文章写给青少年。A父母；C老师；D商人。 Passage 8 1. 答案：B；解析：Ms.Liu部分“When teenagers can control their spending desires, they can better control their behaviors and emotions in study and life.”理财有助于青少年提升自控能力。A理财仅仅是存钱；C让学生变得贪财；D理财比学习知识更重要，均与原文相悖。 2. 答案：B；解析：Su Lin部分“I gave up buying a trendy toy and used the money to buy reference books for my weak subjects.”她放弃新潮玩具，把钱花在有意义的学习需求上。A停止全部娱乐消费；C把大部分积蓄捐给贫困学生；D放弃购买所有新潮商品，all表述绝对。 3. 答案：A；解析：“Many people ignore that kindness is the best asset in our life”善良是人生最好的财富。asset此处意为treasure财富；B梦想；C选择；D挑战。 4. 答案：B；解析：文中“The three speakers share a common core: money is a tool for growth and warmth, not a goal of life.”三者共同观点：金钱应当服务于积极的人生成长。A存钱是成长唯一途径；C青少年不该有零花钱；D捐款是零花钱最好用途，表述错误。 5. 答案：A；解析：文末“Teenagers’ financial education is essentially a kind of value education, which shapes students’ sense of responsibility and gratitude.”理财教育塑造青少年价值观。B零花钱弊大于利；C学生每月必须捐款；D存钱使人失去生活乐趣，都不符合原文。 Passage 9 1. 答案：A；解析：根据“Many parents hold a wrong opinion that teenagers are too young to learn about money.”许多家长错误认为金钱教育不适合青少年。B理财技能对成长很重要，这是专家观点；C青少年应该早早存钱；D学业分数不如生活技能，不是家长的错误想法。 2. 答案：B；解析：文中“Thirdly, proper financial training helps teenagers build independent personality.”理财教育帮助青少年养成独立的人格特质。A小小年纪赚很多钱；C跟风购物；D拒绝一切物质消费，均错误。 3. 答案：A；解析：“rather than to pursue luxury and enjoyment blindly”而不是盲目追求昂贵奢华的物品。luxury意为expensive fancy goods昂贵奢侈品；B生活必需品；C公益项目；D学习用书。 4. 答案：B；解析：整篇文章论述开展青少年理财教育的重要意义。A青少年过度消费的坏处；B青少年理财教育的重要性；C关于学业教育的不同观点；D帮青少年赚钱的方法。 5. 答案：A；解析：文章围绕青少年理财教育展开，最可能选自青少年教育期刊。B购物广告；C低龄儿童故事书；D体育新闻网站。 学科网（北京）股份有限公司 $