Unit 4 Personal Finance（热点题型专练）英语新教材北师大版九年级上册

Unit 4 Personal Finance （话题：人与自我——货币及理财） 题型夯基提升 巩固基础·专项突破 Passage 1 阅读下面短文，从短文后各题所给的A、B、C、D四个选项中，选出可以填入空白处的最佳选项。 Peter, a schoolboy, has a good way to manage his own money. When he was six, his mother started giving him pocket money. At first, he didn’t know how to 1 it, but he quickly learned. When he turned seven, he 2 £7 a week. Now at the age of fifteen, he gets £15 every week. He has the 3 in pocket money because he spends money wisely. There is a shopping mall near Peter’s home. On weekends, he often watches exciting movies with his friends or takes his little brother to the play center. He also buys small 4 for his grandparents when he visits them. Sometimes, he takes a one-hour bus ride to visit museums and zoos in another town. When he saves enough money, he goes to bookstores to buy books and 5 them to children in need. Peter also sets goals for his 6 . Last year, he saved for a new bicycle, and this year, he is saving for a school trip. His mother encourages him to keep a notebook to record his spending. “This way, he can see where his money goes and make better 7 ,” she explains. Peter’s mother is proud of how he manages his money. She believes that giving him pocket money is a 8 choice. “This habit can help him learn to manage money better,” she says. She even suggests that parents should start giving pocket money to children as 9 as age four. “Learning to 10 money is an important life skill,” she adds. 1．A．spend B．keep C．save D．count 2．A．made B．received C．found D．lost 3．A．increase B．decrease C．management D．development 4．A．toys B．cards C．presents D．flowers 5．A．donate B．sell C．read D．collect 6．A．lending B．saving C．spending D．giving 7．A．changes B．choices C．lists D．friends 8．A．creative B．simple C．difficult D．smart 9．A．soon B．late C．early D．often 10．A．fight for B．deal with C．depend on D．believe in 【答案】 1．A 2．B 3．A 4．C 5．A 6．B 7．B 8．D 9．C 10．B 【导语】本文主要介绍了Peter管理零花钱的方法，以及其母亲对儿童理财教育的看法。 【详解】1．句意：起初，他不知道如何花这些钱，但他很快就学会了。 根据前文“his mother started giving him pocket money”以及后文“but he quickly learned”可知，Peter最初对于妈妈给的零花钱是不知道如何“花钱”，后来逐渐学会管理零花钱，spend“花费”，符合语境。 2．句意：当他七岁的时候，他每周收到7英镑。 根据前文妈妈给彼得零花钱的背景，以及后文“十五岁每周得到15英镑”的对应，received意为“得到、收到”，符合语境；made“赚取”，found“发现”，lost“丢失”，均不符合妈妈给零花钱的设定。 3．句意：因为他花钱明智，他的零花钱数额得到了增长。 根据前文从7英镑到15英镑的变化，可知零花钱数量“增加”了。根据语境，increase意为“增长”，符合零花钱随理财能力提升而上涨的语境；decrease“减少”，management“管理”，development“发展”，均不符合此处零花钱数额变化的语义。 4．句意：当他去看望祖父母时，他也会给他们买小礼物。 根据探望长辈的日常场景，presents意为“礼物”，符合语境；toys“玩具”，cards“卡片”，flowers“花”，均不符合语境。 5．句意：当他攒够钱后，他会去书店买书，然后捐给有需要的孩子。 根据后文“to children in need”的提示，donate意为“捐赠”，符合语境；sell“卖”，read“读”，collect“收集”，均不符合帮助贫困孩子的语义逻辑。 6．句意：Peter也为他的储蓄设定目标。 根据后文“去年攒钱买新自行车，今年攒钱去学校旅行”的举例，saving意为“储蓄”，符合攒钱定目标的语境；lending“借出”，spending“花费”，giving“给予”，均不符合攒钱实现目标的语义。 7．句意：这样他就能看到他的钱花到哪里去了，并且做出更好的选择。 根据前文“he can see where his money goes”的逻辑，choices意为“选择”，make better choices为固定搭配，符合语境；changes“改变”，lists“清单”，friends“朋友”，均不符合语义逻辑。 8．句意：她认为给他零花钱是一个明智的选择。 根据前文Peter把钱管理得很好、妈妈为他骄傲的背景，smart意为“明智的”，符合妈妈对自己教育方式的肯定；creative“有创造力的”，simple“简单的”，difficult“困难的”，均不符合语境。 9．句意：她甚至建议家长应该早在孩子四岁的时候就开始给零花钱。 根据前文“从小培养理财习惯”的核心观点，early意为“早的”，as early as是固定搭配，符合越早培养越好的语义；soon“不久”，late“晚”，often“经常”，均不符合语境。 10．句意：学会处理钱是一项重要的生活技能。 结合全文讲孩子从小学习理财的主题，deal with意为“处理、应对”，符合核心语义；fight for“为……奋斗”，depend on“依靠”，believe in“相信”，均不符合语境。 Passage 2 Here are two tables about Peter’s and Mary’s monthly spending in their daily lives. 11．What does Mary spend most of her money on? A．Food. B．Buses and taxis. C．Housing. D．Taxes. 12．Which item makes up the same percent of monthly spending for Peter and Mary? A．Housing. B．Food. C．Insurance. D．Taxes. 13．What can we know from the table? A．Mary has a car while Peter doesn’t. B．Peter saves some money every month. C．Mary spends more money on entertainment than Peter. D．Both people spend over 10 percent of their money on food. 【答案】11．C 12．C 13．D 【导语】本文主要介绍了彼得和玛丽每月的日常开销。 【详解】11．细节理解题。根据“Mary’s monthly spending”可知，玛丽最大花销是占到花销百分之二十的住房，故选C。 12．细节理解题。在两张图表中Insurance“保险”的占比都是百分之五点六，故选C。 13．细节理解题。观察两张图表可知两个人都把超过10%的钱花在食物上。故选D。 Passage 3 Jenny knew she had a problem when she looked in her money box. It was only three days until the school trip to the beach, and Jenny didn’t have any money. To make things worse, her next pocket money was still six days away. “What’s the matter, Jenny?” asked her sister, Mary. “Mary,” said Jenny, “I’m in double trouble. I can’t go to the beach with my classmates, and I’ve broken my promise to Mom. I promised I’d stay within my budget (预算) this month.” For a few minutes, the two girls just sat and thought. Then Mary grabbed Jenny’s arm. “Jenny, I won’t give you the money, but I will help you. Just listen for a minute.” At first, Jenny wasn’t interested since Mary wasn’t willing to give her the money she needed. However, after Mary explained her plan, Jenny began to like it. Mary would lend Jenny the money for the beach trip, but Jenny would have to create a real budget for herself and follow it. In addition, if Jenny successfully followed the budget, Mary wouldn’t tell their mother about Jenny’s recent money disaster. “Mary, you are a lifesaver.” Jenny hugged Mary’s neck. The two sisters began to work together. After several hours, they agreed on how Jenny should use her money. Mary took their figures and made a graph (表格) for Jenny. Holding up the graph, Mary said, “Now you can see where your money should go each month,” “Thanks, Mary.” Jenny said. “But I know one thing that my money can’t buy. It couldn’t buy another great sister like you,” said Jenny. Then she hung her new budget on her bedroom wall. 14．What was Jenny’s problem? A．She had no friends. B．She had nothing to do. C．She had no money. D．She had no free time. 15．How did Mary help Jenny? A．By going to the beach with her. B．By buying things for the school trip for her. C．By telling Mom about her problem. D．By planning on how to use money with her. 16．What can we learn from the passage? A．Practice makes perfect. B．A useful way is better than direct help. C．It’s never too old to learn. D．Imagination is more important than knowledge. 【答案】14．C 15．D 16．B 【导语】本文是一篇记叙文。文章主要讲述了姐姐想办法帮助珍妮的故事。珍妮遇到了一个问题，离学校郊游还有三天的时间，但是她没有钱，姐姐想了一个办法，帮她计划怎么使用钱。文章告诉我们，一个有用的方法比直接帮助更有用。 【详解】14．细节理解题。根据第一段中“Jenny knew she had a problem when she looked in her money box. It was only three days until the school trip to the beach, and Jenny didn’t have any money...”可知，珍妮的问题是没有钱。故选C。 15．细节理解题。根据第二段中“but Jenny would have to create a real budget for herself and follow it”和第三段“they agreed on how Jenny should use her money.”可知，玛丽帮助珍妮计划如何利用好她的钱。故选D。 16．主旨大意题。综合全文可知，珍妮遇到了困难，玛丽没有直接借钱给珍妮，而是教会她合理利用钱的方法，据此可知：有用的方法比直接的帮助更好。故选B。 Passage 4 阅读短文，根据短文内容回答问题。 Money is part of our life. So we are faced with the same question: what to do with our money? Smart spending (理性消费) means using money in a way that fits real needs, real value and real plans. In daily life, teenagers usually spend most of their money buying something necessary—food, clothes or school things. But sometimes, they buy things they don’t really need. Following the crowd may lead teenagers to buy something unnecessary. For example, when some classmates have the same kind of pencil case, a teenager may feel unhappy about having a different one. So he will buy a new one like theirs. Teenagers can start learning how to manage money wisely at an early age. On Tom’s 6th birthday, his grandmother gave him several jars (罐子) to help him make good use of money. One was for spending, one for saving and another for giving. It was at that time that Tom started his own money journal (记账本) to record where the money had gone. He has had this habit since then. Date Spending Things Remaining May 2nd ¥18 A film ticket ¥82 May 9th ¥25 A scarf for Mum ¥57 May 15th ¥35 A dictionary ¥22 May 28th ¥12 Snacks and drinks ¥10 Tom’s birthday present is more than several jars. His grandmother has given a kid the chance to learn lifelong values. The wider goal of the jars is to encourage teenagers to think more wisely about the money and the things they can do. NewsXingfu Community Plants 8 Trees with Saved Money This spring, Xingfu Community started a “Tree Bank” activity. Many teenagers took part in it. With their saved money, they bought 8 young trees. On Tree Planting Day, they planted the trees on a hill outside the city. “One coin can bring social meaning,” said a teenager. 17．What does smart spending mean? _________________________________________________________________________ 18．What may lead teenagers to buy something unnecessary? _________________________________________________________________________ 19．Why did Tom’s grandmother give him several jars? _________________________________________________________________________ 20．What were the top two things Tom spent money on in May? _________________________________________________________________________ 21．Will you give away money like the teenagers in Xingfu Community? Why or why not? _________________________________________________________________________ 【答案】17．It means using money in a way that fits real needs, real value and real plans. 18．Following the crowd may lead teenagers to buy something unnecessary. 19．To help him make good use of money./To encourage him to learn how to manage money wisely at an early age./Because she wanted to give Tom a chance to learn lifelong values. 20．A dictionary and a scarf for Mum. 21．本题属于开放性试题，答案不唯一。示例一：Yes, I will./Yes. Because the world will be a better place to live in if everyone does something good for society./Because turning savings into real help shows that we are responsible for society./Because I can use my money to do something for society./Because it is meaningful and it pushes me to think about the things I can do./Because I can think more wisely about the money./Because one coin can bring social meaning. 示例二：No，I won’t./No. Because I would like to use my saved money to develop hobbies so that I can be better prepared for the future./Because I will spend my money on something that is good for my personal growth./Because I will manage my money according to my real plans./Because I will spend money on something necessary to meet my daily needs./Because I will buy some snacks and drinks./Because I will buy a film ticket. 【导语】本文是一篇说明文，围绕理性消费展开，介绍了理性消费的含义、青少年盲目消费的原因，通过汤姆用罐子管理零花钱、坚持记账的事例讲述理财方法，还介绍了幸福社区青少年用积攒的钱植树的公益活动，倡导青少年学会合理理财、理性花钱，赋予金钱更多社会意义。 【详解】17．第二段提到“Smart spending means using money in a way that fits real needs, real value and real plans.”，直接提取原文语句作答即可。 18．第三段提到“Following the crowd may lead teenagers to buy something unnecessary.”，从众心理会让青少年盲目消费，直接摘抄原文信息作答。 19．第四段提到“his grandmother gave him several jars to help him make good use of money.”，奶奶送罐子的目的是帮助汤姆合理使用零花钱，提炼原文信息作答。 20．根据表格里的花费金额：字典35元、围巾25元、电影票18元、零食饮料12元，花费最高的两项是字典和送给妈妈的围巾，由此得出答案。 21．本题属于开放性试题，答案不唯一。可以选择肯定或否定回答，结合文章中幸福社区青少年用积蓄植树做公益的事例说明理由，言之有理、语法正确即可。示例一：Yes, I will./Yes. Because the world will be a better place to live in if everyone does something good for society./Because turning savings into real help shows that we are responsible for society./Because I can use my money to do something for society./Because it is meaningful and it pushes me to think about the things I can do./Because I can think more wisely about the money./Because one coin can bring social meaning. 示例二：No, I won’t./No. Because I would like to use my saved money to develop hobbies so that I can be better prepared for the future./Because I will spend my money on something that is good for my personal growth./Because I will manage my money according to my real plans./Because I will spend money on something necessary to meet my daily needs./Because I will buy some snacks and drinks./Because I will buy a film ticket. 培优拔高·挑战攻坚 Passage 1 What is money management? This means learning how to use your money wisely so you can pay for things you need. It teaches you about saving, spending, earning, and borrowing. If you’re given cash for your birthday, money management means deciding whether to spend it straight away or invest the money in a savings account and watch it grow. Research shows that young people start to develop financial habits (learning to manage money) from the age of seven, so the sooner you understand how to make good choices, the easier it will be to manage money when you’re older. How is it good for you? Money doesn’t buy happiness, but it plays a big role in life. As well as helping you live comfortably, it gives you the freedom to choose how to live. Author Anna Mathur says learning healthy money habits makes you feel more confident. It also teaches important skills such as decision-making and self-control. Choosing not to buy a small treat now so you can afford something bigger later is called “delayed gratification” and studies show this helps you manage your emotions and feel happier. 1．In which part of a teenager magazine can we read the passage? A．Science & Technology B．World News C．Animals & Environment D．Smart Living 2．According to the 50/30/20 rule, how much of the money should you save? A．20%. B．30%. C．50%. D．100%. 3．What does the underlined phrase “delayed gratification” mean in the passage? A．Spending all your money as soon as you get it. B．Buying a small treat to make yourself happy now. C．Waiting to buy a better thing later instead of now. D．Borrowing money from others to buy what you want. 【答案】1．D 2．A 3．C 【导语】本文是一篇应用文，主要讲解了金钱管理的重要性及其好处。 【详解】1．通读全文，本文主要讨论金钱管理，包括如何明智地花钱、储蓄、延迟满足等，属于个人理财和生活技能范畴。这类内容通常出现在“智慧生活”板块，而不是科技、世界新闻或动物与环境板块。 2．根据图片部分的50/30/20原则，50%用于必要支出，30%用于非必要消费，20%用于储蓄。 3．原文划线词上文直接给出定义：“Choosing not to buy a small treat now so you can afford something bigger later is called ‘delayed gratification’”，选择现在不买小零食，以便以后能买得起更大的东西，“推迟当下的满足，以换取未来更好的回报”，即等待以后买更好的东西而不是现在。 Passage 2 While some young people may know little about the value of money, many have learned it through different kinds of financial (金融的) education. In modern society, more and more people use mobile phones to pay for things instead of cash. Without an exact understanding of money, many young people may not fully understand that mobile payment also uses real money. For example, an 11-­year-­old boy in the UK spent more than £2,000 on an online game, without thinking about the real financial influence of his mobile payment. So young people who have grown up in cashless societies may have __▲__ understanding of the value of money. However, understanding financial knowledge is not a talent, and everyone can have this ability through learning. With the help of parents, children can develop a habit of saving and learn to manage their own money. Some parents do so through piggy banks and savings accounts. Other parents may use electronic red envelopes to encourage their children to use apps to save money and record their own spending. Also, young people can further develop their understanding of the value of money through schools and governments. Schools can play an important role in teaching financial skills to students. In Denmark, students in grades seven to nine must take financial education. Governments can also give help to the young through programs and activities. For example, Singapore’s national financial education programme, MoneySense, developed a new activity to offer people financial knowledge through educational programs on television. In a word, with the efforts of parents, schools and governments, young people can better understand the value of money. 4．What is young people’s problem about money today? A．They refuse to use cash. B．They never save money or record their spending. C．They don’t have an exact understanding of money. D．They can’t see cash in our daily life. 5．Which of the following can be put in __▲__? A．full B．limited C．simple D．easy 6．How does the writer develop his idea in Paragraph 4? A．By giving examples. B．By comparing facts. C．By making suggestions. D．By asking questions. 7．What is the writer’s main purpose of writing the passage? A．To introduce some useful financial skills. B．To show the popularity of mobile payment. C．To tell the importance of financial education. D．To sell some classes on financial education. 【答案】4．C 5．B 6．A 7．C 【导语】本文主要讲述如今年轻人对金钱认知不足的问题，并介绍家庭、学校、政府开展金融教育，帮助年轻人懂得金钱价值。 【详解】4．第二段指出“Without an exact understanding of money, many young people may not fully understand that mobile payment also uses real money.”，如今年轻人的金钱问题是无法准确理解金钱。 5．前文提到无现金社会里年轻人不明白移动支付也是真钱，举了英国男孩大额充值游戏的例子，说明在无现金环境长大的年轻人对金钱价值理解有限。limited意为“有限的”，符合语境。 6．第四段先提出学校和政府能帮助年轻人理解金钱价值，随后举丹麦开设金融课程、新加坡推出金融教育项目两个例子来论证观点，是通过举例子展开论述。 7．文章先指出年轻人缺乏金钱认知的问题，再分别介绍家长、学校、政府开展金融教育的途径，结尾总结多方合力能让年轻人更好理解金钱价值，写作目的是说明金融教育的重要性。 Task 假设你是李华，你校英语社团正在开展“理性消费 (Rational Consumption)”主题调查活动。请先填写下表 (所填信息不作为评分依据，也不需要填写在答题纸上)，明确你的零花钱分配占比 (各项占比合计为100%) 情况；再根据表格内容，用英文写一篇短文，介绍你的消费情况，并反思自身的消费习惯。根据所给的中文和英文提示，完成一篇不少于50词的英语文段写作。文中已给出的内容不计入总词数。所给提示词语仅供选用。请不要写出真实校名、姓名和地名。 提示词语：spending habit, manage, do well in, make a plan, meaningful 提示信息： ·How do you usually spend your pocket money? ·Reflect (反思) on your spending habits. My Pocket Money Distribution (分配) Category Percentage 100% Main Contents Study % stationery, books and learning materials Entertainment % snacks, gaming, memberships Socializing % gifts, eat out with friends Others % save for future use, donate... Everyone has their own way to spend pocket money. As for me,_____________________________________ ______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 【答案】例文 My Pocket Money Distribution Everyone has their own way to spend pocket money. As for me, I manage it carefully. I spend 40% on study, buying stationery and materials. 30% goes to snacks and games. 20% is for socializing, like gifts for friends. The last 10% I save for later. My spending habit has good and bad points. I do well in saving and buying study needs. But sometimes I spend too much on snacks and games, which is not very rational. To improve, I’ll make a clear plan. I’ll cut down on entertainment and save more for meaningful things, like books or small donations. Good money management will help me. 【详解】[第一步：审题立意] 确定文体：说明文，以一般现在时为主，反思与计划部分使用一般将来时 明确要点：介绍零花钱分配情况；反思消费习惯；提出改进计划 确定人称：第一人称 (I/my) 注意事项：不得透露真实姓名、学校信息，词数不少于50词 [第二步：构思布局] 三段式结构： 开头段：说明自己的零花钱分配情况 (按表格类别介绍占比与用途) 主体段：辩证反思消费习惯的优缺点，呼应“理性消费”主题 结尾段：提出具体改进计划，升华金钱管理的意义 [第三步：要点展开] 要点一：零花钱分配介绍 场景覆盖：study/entertainment/socializing/buy storybooks and magazines to broaden my horizons/buy small presents to show love to my family等 要点二：消费习惯反思 优点：do well in saving/I think twice before buying things and avoid waste./I stick to saving money every month and never spend all pocket money.等 不足：sometimes spend too much on snacks and games/I easily get attracted by new snacks and spend money without thinking./I spend extra money on game items and go over my budget sometimes.等 要点三：改进计划与升华 具体措施：make a clear plan/cut down on unnecessary entertainment/save more for meaningful things/Use the money to buy more books to improve myself./Donate some savings to help people in need.等 1 / 13 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $ Unit 4 Personal Finance （话题：人与自我——货币及理财） 题型夯基提升 巩固基础·专项突破 Passage 1 阅读下面短文，从短文后各题所给的A、B、C、D四个选项中，选出可以填入空白处的最佳选项。 Peter, a schoolboy, has a good way to manage his own money. When he was six, his mother started giving him pocket money. At first, he didn’t know how to 1 it, but he quickly learned. When he turned seven, he 2 £7 a week. Now at the age of fifteen, he gets £15 every week. He has the 3 in pocket money because he spends money wisely. There is a shopping mall near Peter’s home. On weekends, he often watches exciting movies with his friends or takes his little brother to the play center. He also buys small 4 for his grandparents when he visits them. Sometimes, he takes a one-hour bus ride to visit museums and zoos in another town. When he saves enough money, he goes to bookstores to buy books and 5 them to children in need. Peter also sets goals for his 6 . Last year, he saved for a new bicycle, and this year, he is saving for a school trip. His mother encourages him to keep a notebook to record his spending. “This way, he can see where his money goes and make better 7 ,” she explains. Peter’s mother is proud of how he manages his money. She believes that giving him pocket money is a 8 choice. “This habit can help him learn to manage money better,” she says. She even suggests that parents should start giving pocket money to children as 9 as age four. “Learning to 10 money is an important life skill,” she adds. 1．A．spend B．keep C．save D．count 2．A．made B．received C．found D．lost 3．A．increase B．decrease C．management D．development 4．A．toys B．cards C．presents D．flowers 5．A．donate B．sell C．read D．collect 6．A．lending B．saving C．spending D．giving 7．A．changes B．choices C．lists D．friends 8．A．creative B．simple C．difficult D．smart 9．A．soon B．late C．early D．often 10．A．fight for B．deal with C．depend on D．believe in Passage 2 Here are two tables about Peter’s and Mary’s monthly spending in their daily lives. 11．What does Mary spend most of her money on? A．Food. B．Buses and taxis. C．Housing. D．Taxes. 12．Which item makes up the same percent of monthly spending for Peter and Mary? A．Housing. B．Food. C．Insurance. D．Taxes. 13．What can we know from the table? A．Mary has a car while Peter doesn’t. B．Peter saves some money every month. C．Mary spends more money on entertainment than Peter. D．Both people spend over 10 percent of their money on food. Passage 3 Jenny knew she had a problem when she looked in her money box. It was only three days until the school trip to the beach, and Jenny didn’t have any money. To make things worse, her next pocket money was still six days away. “What’s the matter, Jenny?” asked her sister, Mary. “Mary,” said Jenny, “I’m in double trouble. I can’t go to the beach with my classmates, and I’ve broken my promise to Mom. I promised I’d stay within my budget (预算) this month.” For a few minutes, the two girls just sat and thought. Then Mary grabbed Jenny’s arm. “Jenny, I won’t give you the money, but I will help you. Just listen for a minute.” At first, Jenny wasn’t interested since Mary wasn’t willing to give her the money she needed. However, after Mary explained her plan, Jenny began to like it. Mary would lend Jenny the money for the beach trip, but Jenny would have to create a real budget for herself and follow it. In addition, if Jenny successfully followed the budget, Mary wouldn’t tell their mother about Jenny’s recent money disaster. “Mary, you are a lifesaver.” Jenny hugged Mary’s neck. The two sisters began to work together. After several hours, they agreed on how Jenny should use her money. Mary took their figures and made a graph (表格) for Jenny. Holding up the graph, Mary said, “Now you can see where your money should go each month,” “Thanks, Mary.” Jenny said. “But I know one thing that my money can’t buy. It couldn’t buy another great sister like you,” said Jenny. Then she hung her new budget on her bedroom wall. 14．What was Jenny’s problem? A．She had no friends. B．She had nothing to do. C．She had no money. D．She had no free time. 15．How did Mary help Jenny? A．By going to the beach with her. B．By buying things for the school trip for her. C．By telling Mom about her problem. D．By planning on how to use money with her. 16．What can we learn from the passage? A．Practice makes perfect. B．A useful way is better than direct help. C．It’s never too old to learn. D．Imagination is more important than knowledge. Passage 4 阅读短文，根据短文内容回答问题。 Money is part of our life. So we are faced with the same question: what to do with our money? Smart spending (理性消费) means using money in a way that fits real needs, real value and real plans. In daily life, teenagers usually spend most of their money buying something necessary—food, clothes or school things. But sometimes, they buy things they don’t really need. Following the crowd may lead teenagers to buy something unnecessary. For example, when some classmates have the same kind of pencil case, a teenager may feel unhappy about having a different one. So he will buy a new one like theirs. Teenagers can start learning how to manage money wisely at an early age. On Tom’s 6th birthday, his grandmother gave him several jars (罐子) to help him make good use of money. One was for spending, one for saving and another for giving. It was at that time that Tom started his own money journal (记账本) to record where the money had gone. He has had this habit since then. Date Spending Things Remaining May 2nd ¥18 A film ticket ¥82 May 9th ¥25 A scarf for Mum ¥57 May 15th ¥35 A dictionary ¥22 May 28th ¥12 Snacks and drinks ¥10 Tom’s birthday present is more than several jars. His grandmother has given a kid the chance to learn lifelong values. The wider goal of the jars is to encourage teenagers to think more wisely about the money and the things they can do. NewsXingfu Community Plants 8 Trees with Saved Money This spring, Xingfu Community started a “Tree Bank” activity. Many teenagers took part in it. With their saved money, they bought 8 young trees. On Tree Planting Day, they planted the trees on a hill outside the city. “One coin can bring social meaning,” said a teenager. 17．What does smart spending mean? _________________________________________________________________________ 18．What may lead teenagers to buy something unnecessary? _________________________________________________________________________ 19．Why did Tom’s grandmother give him several jars? _________________________________________________________________________ 20．What were the top two things Tom spent money on in May? _________________________________________________________________________ 21．Will you give away money like the teenagers in Xingfu Community? Why or why not? _________________________________________________________________________ 培优拔高·挑战攻坚 Passage 1 What is money management? This means learning how to use your money wisely so you can pay for things you need. It teaches you about saving, spending, earning, and borrowing. If you’re given cash for your birthday, money management means deciding whether to spend it straight away or invest the money in a savings account and watch it grow. Research shows that young people start to develop financial habits (learning to manage money) from the age of seven, so the sooner you understand how to make good choices, the easier it will be to manage money when you’re older. How is it good for you? Money doesn’t buy happiness, but it plays a big role in life. As well as helping you live comfortably, it gives you the freedom to choose how to live. Author Anna Mathur says learning healthy money habits makes you feel more confident. It also teaches important skills such as decision-making and self-control. Choosing not to buy a small treat now so you can afford something bigger later is called “delayed gratification” and studies show this helps you manage your emotions and feel happier. 1．In which part of a teenager magazine can we read the passage? A．Science & Technology B．World News C．Animals & Environment D．Smart Living 2．According to the 50/30/20 rule, how much of the money should you save? A．20%. B．30%. C．50%. D．100%. 3．What does the underlined phrase “delayed gratification” mean in the passage? A．Spending all your money as soon as you get it. B．Buying a small treat to make yourself happy now. C．Waiting to buy a better thing later instead of now. D．Borrowing money from others to buy what you want. Passage 2 While some young people may know little about the value of money, many have learned it through different kinds of financial (金融的) education. In modern society, more and more people use mobile phones to pay for things instead of cash. Without an exact understanding of money, many young people may not fully understand that mobile payment also uses real money. For example, an 11-­year-­old boy in the UK spent more than £2,000 on an online game, without thinking about the real financial influence of his mobile payment. So young people who have grown up in cashless societies may have __▲__ understanding of the value of money. However, understanding financial knowledge is not a talent, and everyone can have this ability through learning. With the help of parents, children can develop a habit of saving and learn to manage their own money. Some parents do so through piggy banks and savings accounts. Other parents may use electronic red envelopes to encourage their children to use apps to save money and record their own spending. Also, young people can further develop their understanding of the value of money through schools and governments. Schools can play an important role in teaching financial skills to students. In Denmark, students in grades seven to nine must take financial education. Governments can also give help to the young through programs and activities. For example, Singapore’s national financial education programme, MoneySense, developed a new activity to offer people financial knowledge through educational programs on television. In a word, with the efforts of parents, schools and governments, young people can better understand the value of money. 4．What is young people’s problem about money today? A．They refuse to use cash. B．They never save money or record their spending. C．They don’t have an exact understanding of money. D．They can’t see cash in our daily life. 5．Which of the following can be put in __▲__? A．full B．limited C．simple D．easy 6．How does the writer develop his idea in Paragraph 4? A．By giving examples. B．By comparing facts. C．By making suggestions. D．By asking questions. 7．What is the writer’s main purpose of writing the passage? A．To introduce some useful financial skills. B．To show the popularity of mobile payment. C．To tell the importance of financial education. D．To sell some classes on financial education. Task 假设你是李华，你校英语社团正在开展“理性消费 (Rational Consumption)”主题调查活动。请先填写下表 (所填信息不作为评分依据，也不需要填写在答题纸上)，明确你的零花钱分配占比 (各项占比合计为100%) 情况；再根据表格内容，用英文写一篇短文，介绍你的消费情况，并反思自身的消费习惯。根据所给的中文和英文提示，完成一篇不少于50词的英语文段写作。文中已给出的内容不计入总词数。所给提示词语仅供选用。请不要写出真实校名、姓名和地名。 提示词语：spending habit, manage, do well in, make a plan, meaningful 提示信息： ·How do you usually spend your pocket money? ·Reflect (反思) on your spending habits. My Pocket Money Distribution (分配) Category Percentage 100% Main Contents Study % stationery, books and learning materials Entertainment % snacks, gaming, memberships Socializing % gifts, eat out with friends Others % save for future use, donate... Everyone has their own way to spend pocket money. As for me,_____________________________________ ______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 1 / 13 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $