Unit 4 Everyday Economics单元写作作业设计-2026-2027学年高中英语外研版（2019）选择性必修第四册

外研版选择性必修四 Unit 4　Everyday Economics 单元写作作业 一、单元写作任务 你校英文报正在开展以 "Smart Money, Smart Me" 为主题的征稿活动。请你写一篇短文投稿，谈谈高中生如何管理零花钱和压岁钱，内容包括： 1. 你的零花钱/压岁钱规划（储蓄、消费与分享）； 2. 举一次你真实的消费决策； 3. 你的理财感悟。 注意：1. 词数100左右；2. 可适当增加细节，以使行文连贯；3. 标题已给出，不计入总词数。 Smart Money, Smart Me 　　____________________________________________________________________ 　　____________________________________________________________________ 二、审题建模（动笔前先想清楚这六件事） 项目 写作要点 体裁 英文报征稿（议论+记叙）：标题已给出，先谈规划、再叙一事、末句感悟。 人称 第一人称谈自己的做法与决策，可用 we 引出对同龄人的建议。 时态 谈规划与看法用一般现在时；叙述消费决策用一般过去时。 结构 四段式。Para 1：引出话题（压岁钱与它带来的问题）；Para 2：三分法规划（储蓄/消费/分享）；Para 3：一次真实的消费决策（过程+结果）；Para 4：感悟收尾。 要点 消费决策要有"斗争过程"：想要什么、犹豫了什么、最终怎么选，一笔一账才算真实。 语气 轻松而理性，像同龄人聊天；少说教，用自己的账本说话。 三、话题词块梳理 Ⅰ. 话题词汇（根据提示补全单词或词义） 话题词汇 1. budget n. ____________ 2. ____________ n. 花费；开支 3. income n. ____________ 4. ____________ n. 储蓄；存款 5. deposit n./vt. ____________ 6. ____________ n. 账户 7. interest n. ____________ 8. ____________ n./vt. 购买 9. impulse n. ____________ 10. ____________ n. 消费者 11. habit n. ____________ 12. ____________ n. 便宜货；讨价还价 13. afford vt. ____________ 14. ____________ n. 价格 15. value n./vt. ____________ 16. ____________ adj. 值……的；值得的 17. donate vt. ____________ 18. ____________ n. 慈善；慈善机构 19. accumulate vt. ____________ 20. ____________ n. 优先考虑的事 21. necessity n. ____________ 22. ____________ n. 奢侈品 23. financial adj. ____________ 24. ____________ adv. 明智地 Ⅱ. 话题词块（根据汉语补全短语，或根据短语写出汉语） 话题词块 1. pocket money ____________ 2. ____________ 压岁钱 3. make a budget ____________ 4. ____________ 坚持按预算花钱 5. save up for ____________ 6. ____________ 留出；拨出 7. on sale ____________ 8. ____________ 冲动消费 9. compare prices ____________ 10. ____________ 削减；减少 11. run out of ____________ 12. ____________ 使收支相抵 13. deposit...into... ____________ 14. ____________ 从长远看 15. give away ____________ 16. ____________ 物有所值 17. live within one's means ____________ 18. ____________ 省一分就是赚一分 19. think twice ____________ 20. ____________ 记录；追踪 21. pay off ____________ 22. ____________ 抵制诱惑 23. put money to good use ____________ 24. ____________ 与……分享 25. money doesn't grow on trees ____________ 26. ____________ 精打细算 27. a smart consumer ____________ 28. ____________ 为未来做准备 29. hand in hand ____________ 30. ____________ 凡事皆有两面 Ⅲ. 词块升级（把左边的“基础表达”换成右边更高级的说法） 基础表达 升级表达 1. I save my pocket money. ____________________ 2. I don't waste money. ____________________ 3. I bought a cheap dictionary. ____________________ 4. I keep a record of my spending. ____________________ 5. Money is important. ____________________ 6. I gave some money to charity. ____________________ 7. Don't buy things you don't need. ____________________ 8. Saving money is a good habit. ____________________ 四、教材好句精选（根据汉语补全句子，注意课文句式与词块的用法） 1. 每年春节我都会收到长辈给的压岁钱。 　　Every Spring Festival I ________ lucky money from my elders. 2. 今年我决定给它做一个规划。 　　This year I decided to ________ ________ ________ for it. 3. 我把钱分成三份：储蓄、消费与分享。 　　I divided the money ________ ________ ________: saving, spending and sharing. 4. 我把一半存进了银行账户。 　　I ________ half of it ________ my bank account. 5. 上周我特别想买一双限量版球鞋。 　　Last week I was ________ ________ buy a pair of limited-edition sneakers. 6. 我货比三家，最终打消了这个念头。 　　I ________ ________ and finally ________ ________ the idea. 7. 我用攒下的钱给妈妈买了一条围巾。 　　With the money ________ ________, I bought my mother a scarf. 8. 冲动消费只会带来短暂的快乐。 　　Impulse buying brings only ________-________ pleasure. 9. 三思而后"买"。 　　________ ________ before you pay. 10. 学会管理零花钱，就是学会管理自己。 　　Learning to manage pocket money is learning to ________ ________. 11. 从长远看，好习惯比零花钱本身更有价值。 　　________ ________ ________, a good habit is worth more than the money itself. 12. 只有管得住小钱，才管得住大钱。（倒装） 　　Only ________ managing small money well ________ we manage big money. 五、句式升级与仿写（按要求改写下列句子，体会“高级感”从何而来） 1. I get lucky money every Spring Festival. 要求：用 What...is that 结构改写 → ____________________________________________________________ 2. I divided the money into three parts. It keeps my money in order. 要求：用 It is...that 强调句合并 → ____________________________________________________________ 3. I wanted the sneakers badly. I gave up in the end. 要求：用 as 引导的让步倒装合并 → ____________________________________________________________ 4. I saved half of the money. I also helped others with it. 要求：用 Not only...but also 的倒装合并 → ____________________________________________________________ 5. Compare prices before you buy. 要求：用 before 引导时间状语从句展开 → ____________________________________________________________ 6. I keep a notebook. I record every yuan in it. 要求：用 in which 引导定语从句合并 → ____________________________________________________________ 7. Impulse buying is bad for students. 要求：用 There is no denying that 改写 → ____________________________________________________________ 8. A good habit is the most valuable thing. 要求：用否定词 + 比较级表最高级 → ____________________________________________________________ 9. Learning to manage money taught me self-control. 要求：用 which 引导非限制性定语从句 → ____________________________________________________________ 10. We should use money wisely. 要求：改为祈使句 + and 结构 → ____________________________________________________________ 六、课外材料精编（读一读，背一背，用一用） A penny saved is a penny earned. 省一分就是赚一分。　（谚语） Money is a good servant but a bad master. 金钱是好仆人，却是坏主人。　（对称谚语） Do not save what is left after spending; spend what is left after saving. 不要把花剩下的存起来，而要把存完剩下的拿去花。　（对称句） Every purchase is a vote for the life you want. 每一次消费，都是为你想要的生活投的一票。　（比喻） The art is not in making money, but in keeping it. 本领不在挣钱，而在守住钱。　（not...but... 对称句） What we spend on others returns with interest. 花在别人身上的钱，会连本带利地回来。　（what 主语从句 + 双关） So strong is the pull of "limited edition" that reason often fails. “限量版”的吸引力如此之强，理性常常败下阵来。　（so...that 的倒装） Only when we control our wallet do we truly own it. 只有管住钱包，我们才真正拥有它。　（only 引导的倒装） A wallet, like a garden, grows what we plant. 钱包如花园，种什么长什么。　（明喻 + what 宾语从句） Small money managed well is the rehearsal of great wealth. 管好小钱，是管理大财富的排练。　（过去分词作定语 + 比喻） Never has a wish list made anyone richer. 愿望清单从未让任何人变富。　（否定词置于句首的倒装） Saving today is borrowing confidence from tomorrow. 今天的储蓄，是从明天借来的底气。　（动名词作主语 + 比喻） It is not how much we have but how wisely we spend that shapes us. 塑造我们的不是拥有多少，而是花得多明智。　（强调句 + not...but...） May every coin you spend tell a story you are proud of. 愿你花出的每一枚硬币，都讲着一个你引以为豪的故事。　（May 祝愿句 + 定语从句） 七、同话题高考真题【改编自高考应用文真题·记叙+感悟类短文，情境已替换】 你校英文报 "Campus Life" 栏目以 "My Money Story" 为题征稿。请写一篇短文，讲述你管理零花钱的一次经历，内容包括： 1. 事情的经过； 2. 你的做法或改变； 3. 你的体会。 注意：1. 词数100左右；2. 可适当增加细节，以使行文连贯；3. 本题改编自高考应用文真题（记叙+感悟类投稿），情境已替换为本单元理财话题。 八、范文赏析 【参考范文】 Smart Money, Smart Me 　　Every Spring Festival, my red envelope brings me a small "wealth" and a big question: how to spend it? This year, I finally have an answer—a three-way plan. 　　Half of my lucky money goes straight into my bank account, waiting for a future I cannot see yet. A third covers my daily needs: pens, books and the occasional bus ticket. The last share, which I call the "kindness share", goes to the class charity box or a birthday gift for Mom. 　　The plan passed a real test last month. I fell in love with a pair of limited-edition sneakers online. I compared prices, slept on it for three days, and let it go. Instead, I bought a second-hand dictionary—half the price, twice the use. 　　Money is a good servant but a bad master. Managing small money today is my rehearsal for bigger decisions tomorrow. 【学生习作】 Smart Money, Smart Me 　　Every year I get a lot of lucky money. I spend it on games, snacks and toys. I think money is for enjoying. 　　Last month I spent all my money on a computer game. When my friend needed help, I had no money to give him. I felt very bad. 　　Now I know saving money is important. But I still buy things when I want them, because life is short. Maybe I will make a plan next year. 【自我修改清单】（写完对照检查） □ 是否写清三分规划：储蓄、消费、分享各占多少、用来做什么？ □ 消费决策是否写出了"想买—犹豫—决定"的完整过程？ □ 有没有具体数字和物品（多少元、买了什么），让文章可信？ □ 时态是否正确：规划用现在时，事例用过去时，感悟用现在时？ □ 是否用上本单元词块（make a budget, compare prices, in the long run 等）至少 3 个？ □ 结尾感悟是否呼应标题"Smart Money, Smart Me"，而不是自相矛盾？ 九、参考答案 三、话题词块梳理 Ⅰ. 话题词汇 1. budget n. 预算 2. expense n. 花费；开支 3. income n. 收入 4. savings n. 储蓄；存款 5. deposit n./vt. 存款；把……存入 6. account n. 账户 7. interest n. 利息；兴趣 8. purchase n./vt. 购买 9. impulse n. 冲动 10. consumer n. 消费者 11. habit n. 习惯 12. bargain n. 便宜货；讨价还价 13. afford vt. 买得起；负担得起 14. price n. 价格 15. value n./vt. 价值；重视 16. worth adj. 值……的；值得的 17. donate vt. 捐赠；捐献 18. charity n. 慈善；慈善机构 19. accumulate vt. 积累；积聚 20. priority n. 优先考虑的事 21. necessity n. 必需品 22. luxury n. 奢侈品 23. financial adj. 财政的；金融的 24. wisely adv. 明智地 Ⅱ. 话题词块 1. pocket money 零花钱 2. lucky money 压岁钱 3. make a budget 做预算 4. stick to one's budget 坚持按预算花钱 5. save up for 为……攒钱 6. set aside 留出；拨出 7. on sale 打折出售；上市 8. impulse buying 冲动消费 9. compare prices 货比三家 10. cut down on 削减；减少 11. run out of 用完；耗尽 12. make ends meet 使收支相抵 13. deposit...into... 把……存入…… 14. in the long run 从长远看 15. give away 赠送；捐赠 16. be worth the price 物有所值 17. live within one's means 量入为出 18. a penny saved is a penny earned 省一分就是赚一分 19. think twice 三思而后行 20. keep track of 记录；追踪 21. pay off 还清；得到回报 22. resist the temptation 抵制诱惑 23. put money to good use 把钱用在刀刃上 24. share...with... 与……分享 25. money doesn't grow on trees 挣钱并不容易 26. count every penny 精打细算 27. a smart consumer 明智的消费者 28. prepare for the future 为未来做准备 29. hand in hand 手挽手；密切相关 30. every coin has two sides 凡事皆有两面 Ⅲ. 词块升级 1. Pocket money saved coin by coin grows into something bigger than itself. 2. I have learned to say no to things I merely want. 3. I bought a dictionary at half the price but with twice the use. 4. A small notebook keeps my money honest. 5. Money matters, but how we use it matters more. 6. I gave away a "kindness share" of my savings to those in need. 7. Ask yourself: do I need it, or do I just want it now? 8. Saving is planting today what tomorrow will harvest. 四、教材好句精选 1. Every Spring Festival I receive lucky money from my elders. 2. This year I decided to make a budget for it. 3. I divided the money into three parts: saving, spending and sharing. 4. I deposited half of it into my bank account. 5. Last week I was tempted to buy a pair of limited-edition sneakers. 6. I compared prices and finally gave up the idea. 7. With the money saved up, I bought my mother a scarf. 8. Impulse buying brings only short-lived pleasure. 9. Think twice before you pay. 10. Learning to manage pocket money is learning to manage ourselves. 11. In the long run, a good habit is worth more than the money itself. 12. Only by managing small money well can we manage big money. 五、句式升级与仿写 1. What excites me every Spring Festival is that a little "wealth" lands in my red envelope. 2. It is the three-way split—saving, spending, sharing—that keeps my money in order. 3. Tempted as I was by the sneakers, reason won in the end. 4. Not only did I save half of the money, but I also lent a hand to others with it. 5. Before you pay, let your fingers do the walking across three shops. 6. I keep a small notebook in which every yuan is recorded. 7. There is no denying that impulse buying empties both wallets and good habits. 8. Nothing is more valuable than the habit of managing money well. 9. Learning to manage money, which taught me self-control, is my best gain this year. 10. Use your money wisely, and it will serve your dreams, not your impulses. 七、同话题高考真题【改编自高考应用文真题·记叙+感悟类短文，情境已替换】 审体裁：英文报投稿短文，标题已给出，叙事与感悟结合。 审人称：第一人称，写自己的真实账本。 审时态：叙事用一般过去时；体会用一般现在时。 审内容：Para 1 预算失败的经历；Para 2 找到原因与对策；Para 3 用一次对比说明变化。 审语气：自嘲而真诚，用具体的数字和物品让"理财"落地。 【参考范文】 My Money Story 　　When my lucky money landed last year, I promised myself a budget. Half went into savings; the rest—well, the rest melted in one weekend of milk tea and sticker posters. 　　Standing in front of an empty wallet, I wrote down every purchase and found the real thief: impulse. So this year, my rule is simple—wait three days before buying anything over fifty yuan. 　　The sneakers I once begged for never made it past day three. But the dictionary I hesitated over is now the most-used book on my desk. Smart money, it turns out, starts with a smart pause. 学科网（北京）股份有限公司 $ 外研版选择性必修四 Unit 4　Everyday Economics 单元写作作业（教师版） 一、单元写作任务 你校英文报正在开展以 "Smart Money, Smart Me" 为主题的征稿活动。请你写一篇短文投稿，谈谈高中生如何管理零花钱和压岁钱，内容包括： 1. 你的零花钱/压岁钱规划（储蓄、消费与分享）； 2. 举一次你真实的消费决策； 3. 你的理财感悟。 注意：1. 词数100左右；2. 可适当增加细节，以使行文连贯；3. 标题已给出，不计入总词数。 Smart Money, Smart Me 　　____________________________________________________________________ 　　____________________________________________________________________ 二、审题建模（动笔前先想清楚这六件事） 项目 写作要点 体裁 英文报征稿（议论+记叙）：标题已给出，先谈规划、再叙一事、末句感悟。 人称 第一人称谈自己的做法与决策，可用 we 引出对同龄人的建议。 时态 谈规划与看法用一般现在时；叙述消费决策用一般过去时。 结构 四段式。Para 1：引出话题（压岁钱与它带来的问题）；Para 2：三分法规划（储蓄/消费/分享）；Para 3：一次真实的消费决策（过程+结果）；Para 4：感悟收尾。 要点 消费决策要有"斗争过程"：想要什么、犹豫了什么、最终怎么选，一笔一账才算真实。 语气 轻松而理性，像同龄人聊天；少说教，用自己的账本说话。 三、话题词块梳理 Ⅰ. 话题词汇（中英对照，答案已填入） 话题词汇 1. budget n. 预算 2. expense n. 花费；开支 3. income n. 收入 4. savings n. 储蓄；存款 5. deposit n./vt. 存款；把……存入 6. account n. 账户 7. interest n. 利息；兴趣 8. purchase n./vt. 购买 9. impulse n. 冲动 10. consumer n. 消费者 11. habit n. 习惯 12. bargain n. 便宜货；讨价还价 13. afford vt. 买得起；负担得起 14. price n. 价格 15. value n./vt. 价值；重视 16. worth adj. 值……的；值得的 17. donate vt. 捐赠；捐献 18. charity n. 慈善；慈善机构 19. accumulate vt. 积累；积聚 20. priority n. 优先考虑的事 21. necessity n. 必需品 22. luxury n. 奢侈品 23. financial adj. 财政的；金融的 24. wisely adv. 明智地 Ⅱ. 话题词块（答案已填入） 话题词块 1. pocket money 零花钱 2. lucky money 压岁钱 3. make a budget 做预算 4. stick to one's budget 坚持按预算花钱 5. save up for 为……攒钱 6. set aside 留出；拨出 7. on sale 打折出售；上市 8. impulse buying 冲动消费 9. compare prices 货比三家 10. cut down on 削减；减少 11. run out of 用完；耗尽 12. make ends meet 使收支相抵 13. deposit...into... 把……存入…… 14. in the long run 从长远看 15. give away 赠送；捐赠 16. be worth the price 物有所值 17. live within one's means 量入为出 18. a penny saved is a penny earned 省一分就是赚一分 19. think twice 三思而后行 20. keep track of 记录；追踪 21. pay off 还清；得到回报 22. resist the temptation 抵制诱惑 23. put money to good use 把钱用在刀刃上 24. share...with... 与……分享 25. money doesn't grow on trees 挣钱并不容易 26. count every penny 精打细算 27. a smart consumer 明智的消费者 28. prepare for the future 为未来做准备 29. hand in hand 手挽手；密切相关 30. every coin has two sides 凡事皆有两面 Ⅲ. 词块升级（把左边的“基础表达”换成右边更高级的说法） 基础表达 升级表达 1. I save my pocket money. Pocket money saved coin by coin grows into something bigger than itself. 2. I don't waste money. I have learned to say no to things I merely want. 3. I bought a cheap dictionary. I bought a dictionary at half the price but with twice the use. 4. I keep a record of my spending. A small notebook keeps my money honest. 5. Money is important. Money matters, but how we use it matters more. 6. I gave some money to charity. I gave away a "kindness share" of my savings to those in need. 7. Don't buy things you don't need. Ask yourself: do I need it, or do I just want it now? 8. Saving money is a good habit. Saving is planting today what tomorrow will harvest. 四、教材好句精选（根据汉语补全句子，注意课文句式与词块的用法） 1. 每年春节我都会收到长辈给的压岁钱。 　　Every Spring Festival I receive lucky money from my elders. 2. 今年我决定给它做一个规划。 　　This year I decided to make a budget for it. 3. 我把钱分成三份：储蓄、消费与分享。 　　I divided the money into three parts: saving, spending and sharing. 4. 我把一半存进了银行账户。 　　I deposited half of it into my bank account. 5. 上周我特别想买一双限量版球鞋。 　　Last week I was tempted to buy a pair of limited-edition sneakers. 6. 我货比三家，最终打消了这个念头。 　　I compared prices and finally gave up the idea. 7. 我用攒下的钱给妈妈买了一条围巾。 　　With the money saved up, I bought my mother a scarf. 8. 冲动消费只会带来短暂的快乐。 　　Impulse buying brings only short-lived pleasure. 9. 三思而后"买"。 　　Think twice before you pay. 10. 学会管理零花钱，就是学会管理自己。 　　Learning to manage pocket money is learning to manage ourselves. 11. 从长远看，好习惯比零花钱本身更有价值。 　　In the long run, a good habit is worth more than the money itself. 12. 只有管得住小钱，才管得住大钱。（倒装） 　　Only by managing small money well can we manage big money. 五、句式升级与仿写（按要求改写下列句子，体会“高级感”从何而来） 1. I get lucky money every Spring Festival. 要求：用 What...is that 结构改写 → What excites me every Spring Festival is that a little "wealth" lands in my red envelope. 2. I divided the money into three parts. It keeps my money in order. 要求：用 It is...that 强调句合并 → It is the three-way split—saving, spending, sharing—that keeps my money in order. 3. I wanted the sneakers badly. I gave up in the end. 要求：用 as 引导的让步倒装合并 → Tempted as I was by the sneakers, reason won in the end. 4. I saved half of the money. I also helped others with it. 要求：用 Not only...but also 的倒装合并 → Not only did I save half of the money, but I also lent a hand to others with it. 5. Compare prices before you buy. 要求：用 before 引导时间状语从句展开 → Before you pay, let your fingers do the walking across three shops. 6. I keep a notebook. I record every yuan in it. 要求：用 in which 引导定语从句合并 → I keep a small notebook in which every yuan is recorded. 7. Impulse buying is bad for students. 要求：用 There is no denying that 改写 → There is no denying that impulse buying empties both wallets and good habits. 8. A good habit is the most valuable thing. 要求：用否定词 + 比较级表最高级 → Nothing is more valuable than the habit of managing money well. 9. Learning to manage money taught me self-control. 要求：用 which 引导非限制性定语从句 → Learning to manage money, which taught me self-control, is my best gain this year. 10. We should use money wisely. 要求：改为祈使句 + and 结构 → Use your money wisely, and it will serve your dreams, not your impulses. 六、课外材料精编（读一读，背一背，用一用） A penny saved is a penny earned. 省一分就是赚一分。　（谚语） Money is a good servant but a bad master. 金钱是好仆人，却是坏主人。　（对称谚语） Do not save what is left after spending; spend what is left after saving. 不要把花剩下的存起来，而要把存完剩下的拿去花。　（对称句） Every purchase is a vote for the life you want. 每一次消费，都是为你想要的生活投的一票。　（比喻） The art is not in making money, but in keeping it. 本领不在挣钱，而在守住钱。　（not...but... 对称句） What we spend on others returns with interest. 花在别人身上的钱，会连本带利地回来。　（what 主语从句 + 双关） So strong is the pull of "limited edition" that reason often fails. “限量版”的吸引力如此之强，理性常常败下阵来。　（so...that 的倒装） Only when we control our wallet do we truly own it. 只有管住钱包，我们才真正拥有它。　（only 引导的倒装） A wallet, like a garden, grows what we plant. 钱包如花园，种什么长什么。　（明喻 + what 宾语从句） Small money managed well is the rehearsal of great wealth. 管好小钱，是管理大财富的排练。　（过去分词作定语 + 比喻） Never has a wish list made anyone richer. 愿望清单从未让任何人变富。　（否定词置于句首的倒装） Saving today is borrowing confidence from tomorrow. 今天的储蓄，是从明天借来的底气。　（动名词作主语 + 比喻） It is not how much we have but how wisely we spend that shapes us. 塑造我们的不是拥有多少，而是花得多明智。　（强调句 + not...but...） May every coin you spend tell a story you are proud of. 愿你花出的每一枚硬币，都讲着一个你引以为豪的故事。　（May 祝愿句 + 定语从句） 七、同话题高考真题【改编自高考应用文真题·记叙+感悟类短文，情境已替换】 你校英文报 "Campus Life" 栏目以 "My Money Story" 为题征稿。请写一篇短文，讲述你管理零花钱的一次经历，内容包括： 1. 事情的经过； 2. 你的做法或改变； 3. 你的体会。 注意：1. 词数100左右；2. 可适当增加细节，以使行文连贯；3. 本题改编自高考应用文真题（记叙+感悟类投稿），情境已替换为本单元理财话题。 【审题建模】 审体裁：英文报投稿短文，标题已给出，叙事与感悟结合。 审人称：第一人称，写自己的真实账本。 审时态：叙事用一般过去时；体会用一般现在时。 审内容：Para 1 预算失败的经历；Para 2 找到原因与对策；Para 3 用一次对比说明变化。 审语气：自嘲而真诚，用具体的数字和物品让"理财"落地。 【参考范文】 My Money Story 　　When my lucky money landed last year, I promised myself a budget. Half went into savings; the rest—well, the rest melted in one weekend of milk tea and sticker posters. 　　Standing in front of an empty wallet, I wrote down every purchase and found the real thief: impulse. So this year, my rule is simple—wait three days before buying anything over fifty yuan. 　　The sneakers I once begged for never made it past day three. But the dictionary I hesitated over is now the most-used book on my desk. Smart money, it turns out, starts with a smart pause. 【亮点句式】 ① ...the rest melted in one weekend（melt 写出钱“化掉”的过程，生动） ② ...found the real thief: impulse（把冲动比作小偷，一笔点破） ③ never made it past day three（具体到天数，规则可信） ④ Smart money, it turns out, starts with a smart pause.（插入语 it turns out + smart 双关收尾） 八、范文赏析 【参考范文】 Smart Money, Smart Me 　　Every Spring Festival, my red envelope brings me a small "wealth" and a big question: how to spend it? This year, I finally have an answer—a three-way plan. 　　Half of my lucky money goes straight into my bank account, waiting for a future I cannot see yet. A third covers my daily needs: pens, books and the occasional bus ticket. The last share, which I call the "kindness share", goes to the class charity box or a birthday gift for Mom. 　　The plan passed a real test last month. I fell in love with a pair of limited-edition sneakers online. I compared prices, slept on it for three days, and let it go. Instead, I bought a second-hand dictionary—half the price, twice the use. 　　Money is a good servant but a bad master. Managing small money today is my rehearsal for bigger decisions tomorrow. 【学生习作】 Smart Money, Smart Me 　　Every year I get a lot of lucky money. I spend it on games, snacks and toys. I think money is for enjoying. 　　Last month I spent all my money on a computer game. When my friend needed help, I had no money to give him. I felt very bad. 　　Now I know saving money is important. But I still buy things when I want them, because life is short. Maybe I will make a plan next year. 【习作点评】 优点：结构基本完整，有一个反面事例（钱花光后帮不了朋友），语言平实通顺，态度真实。 问题一：没有正面回答题目要求的三分规划，"储蓄、消费与分享"只字未提，要点缺失。 问题二：自相矛盾。结尾一边说"知道存钱重要"，一边说"想买还是买"，观点摇摆，逻辑不清。 问题三：细节太笼统。"a lot of lucky money""games, snacks and toys"没有数字与画面，应写清多少钱、花在哪、剩多少。 问题四：句式单调且偏口语（"life is short"），缺少本单元词块与高级句式，如 think twice、in the long run、only 倒装等。 【评分标准】（满分15分，按高考应用文评分细则） 档次 分数 评分描述 第五档 13—15分 覆盖全部要点，应用了较多语法结构和词汇，句式有变化，衔接自然，语法和拼写错误极少，完全达到交际目的。 第四档 10—12分 覆盖全部要点，语法结构和词汇能满足任务要求，衔接基本连贯，有少量错误但不影响理解。 第三档 7—9分 基本覆盖要点，语法结构单调，词汇有限，有一些错误，部分内容表达不清。 第二档 4—6分 遗漏较多要点，语法结构单调、词汇项目有限，错误较多，影响理解。 第一档 1—3分 只能写出个别单词，内容太少，无法传达信息。 【写作指导：本单元写作的三个得分点】 得分点一：先给规划，再给事例。"储蓄/消费/分享"三分法一句带过，马上进入真实事例；规划是骨架，事例是血肉，缺一不可。 得分点二：写"斗争"，不写"正确"。高分作文里钱也挣扎过："我盯着那双限量球鞋三天"，最后"半价买了本二手词典"——有取舍才有说服力。 得分点三：借用理财金句点睛。Money is a good servant but a bad master、a penny saved is a penny earned 等表达放段首或段尾，既扣单元又显功底。 学科网（北京）股份有限公司 $