五、李明从理财顾问Kate那里获得了一些理财方面的建议与规划，他将此信息与大家分享。
根据首字母提示写出单词，完成短文。
Have you heard of money management? It m taking care of your cash. Kate, a money coach who runs the website Money Mindset Mentor, explains that there is a list of things to pay attention to, including how to s and save money.
Kate says, “Spend your money w. You’d better buy things you need first, then things you want.” To save money, try to compare the prices in d stores and choose the cheapest. And consider the money you have before b a thing. She also suggests we should get into the h of saving half of everything we make or are given in the savings account. Of course, don’t expect to save much at one go. S regularly and you’ll surprisingly find that it is r a big deal.
Money management is a valuable skill in our lives. It will make us feel safer and more confident. H, some of us have no idea of it. Thus, let’s s from now on.
1. 2. 3. 4. 5.
6. 7. 8. 9. 10.

1. means 2. spend 3. wisely 4. different 5. buying 6. habit 7. Save 8. really 9. However 10. start

【分析】
本题是根据首字母提示完成短文的英语题，解题思路为：1. 通读全文把握“理财（money management）”的主旨；2. 结合每个空的句子语境，判断所需单词的词性；3. 联系首字母提示，匹配符合语境、语法的正确单词；4. 检查单词形式是否正确（如动词变形、词性适配等）。
【解析】
1. 句意：它意思是打理你的现金。主语it为第三人称单数，谓语动词用means，首字母m，故填means；
2. 句意：包括如何花钱和省钱。结合后文“Spend your money”及首字母s，故填spend；
3. 句意：明智地花钱。修饰动词spend需用副词，首字母w，故填wisely；
4. 句意：比较不同商店的价格。修饰名词stores需用形容词，首字母d，故填different；
5. 句意：在买东西前考虑你的钱。before为介词，后接动名词，首字母b，故填buying；
6. 句意：养成存钱的习惯。get into the habit of是固定搭配，首字母h，故填habit；
7. 句意：定期存钱。祈使句用动词原形，首字母S，故填Save；
8. 句意：真的是一件大事。修饰名词短语需用副词，首字母r，故填really；
9. 句意：然而，有些人不懂理财。表转折且位于句首，首字母H，故填However；
10. 句意：让我们从现在开始。let’s后接动词原形，首字母s，故填start。
【答案】
1. means 2. spend 3. wisely 4. different 5. buying 6. habit 7. Save 8. really 9. However 10. start
【知识点】
英语词汇运用；语境理解；固定搭配
【点评】
本题围绕理财主题，考查学生在具体语境中运用英语词汇的能力，涉及多词性单词及固定搭配的掌握，贴近生活实际，难度适中，兼具知识考查与理财意识培养的作用。
【难度系数】
0.6

六、刘涛介绍了自己家的理财方式,并发表了自己对理财的看法。根据括号中的提示写出单词,完成他的介绍。
How does your family spend the money every year? In my family, my mum always 1 (manage) money well. Today, when we 2 (去购物), I ask my mum some questions about how my family spends money.
First, my family needs to pay for many things like our house, our car and other 3 (day) needs. So my mum 4 (不得不) think about how to use money better. My 5 (教育) is also an important part. Every year, my parents need 6 (cover) it. All of them cost 50% of our 7 (预算). Taking holidays and doing other special things 8 (cost) us about 30%. That's because they are expensive. My parents always leave about 20% in our bank account. My mum also tells me that I should do that like them because it's a good idea to save money for a 9 (有雨的) day.
Money 10 (matter) in every family. I think everyone should plan how to manage his or her money.
1. 2. 3. 4. 5.
6. 7. 8. 9. 10.

1. manages 2. go shopping 3. daily 4. has to 5. education 6. to cover 7. budget 8. cost 9. rainy 10. matters

【分析】
这是一道英语单词填空题，需结合句子时态、词性、固定搭配及语境填写单词。解题时先判断每个空在句中的成分，再根据括号提示（中文或原词），结合语法规则变形或直接填写正确形式，比如注意第三人称单数主语的动词变形、修饰名词用形容词、固定短语的运用等。
【解析】
1. 主语my mum是第三人称单数，句子为一般现在时，动词manage需用第三人称单数形式manages；
2. “去购物”是固定短语go shopping，主语为we，用动词原形；
3. 此处修饰名词needs，需用day的形容词形式daily；
4. “不得不”的英文表达为have to，主语my mum是第三人称单数，故用has to；
5. 此处需要名词，“教育”对应的英文是education；
6. 固定搭配need to do sth，故用cover的不定式形式to cover；
7. “预算”对应的英文名词是budget；
8. 主语是两个并列的动名词短语，谓语动词用原形cost；
9. 此处修饰名词day，需用形容词，“有雨的”是rainy；
10. 主语money是不可数名词，句子为一般现在时，动词matter需用第三人称单数形式matters。
【答案】
1. manages 2. go shopping 3. daily 4. has to 5. education 6. to cover 7. budget 8. cost 9. rainy 10. matters
【知识点】
一般现在时、形容词用法、固定搭配
【点评】
本题考查英语基础词汇与语法的综合运用，难度不大，只要掌握基础时态、词性转换及固定短语即可完成，适合初中低年级学生练习。
【难度系数】
0.6