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四、存钱有道,花钱有度。请根据所给情境选出最得体、最合理的做法。
(
A. borrow money to buy it
B. save up for it day by day
C. ask your friends to buy it for you
(
A. make a spending plan
B. buy everything you like
C. spend all the money quickly
(
A. buy nothing and say nothing
B. spend all your money on toys
C. buy a small gift with your pocket money
(
A. spend all the money on snacks
B. save the money for things later
C. use half the money to buy things you need
(
B
)1. You want an expensive football. You can .A. borrow money to buy it
B. save up for it day by day
C. ask your friends to buy it for you
(
A
)2. You want to spend your pocket money wisely. You can .A. make a spending plan
B. buy everything you like
C. spend all the money quickly
(
C
)3. Your mum's birthday is coming. You can .A. buy nothing and say nothing
B. spend all your money on toys
C. buy a small gift with your pocket money
(
A
)4. You have got some lucky money. You should not .A. spend all the money on snacks
B. save the money for things later
C. use half the money to buy things you need
答案
1. B
2. A
3. C
4. A
2. A
3. C
4. A
解析
【分析】本题围绕合理存钱、花钱及日常礼貌行为设置情境，需结合正确的理财观念和得体做法逐一分析选项：第1题，想要昂贵的足球，合理方式是逐步攒钱，而非借钱或让他人代买；第2题，明智使用零花钱需制定计划，避免无节制消费；第3题，妈妈生日时用零花钱买小礼物是得体的做法；第4题，压岁钱应合理规划，不能全部用于买零食。
【解析】1. 选项A“借钱买”会增加不必要的债务，选项C“让朋友买”不符合合理消费原则，选项B“每天攒钱”是合理的存钱方式，故选B；2. 选项A“制定消费计划”是明智使用零花钱的正确方法，选项B“买所有喜欢的”和选项C“快速花完”都是不合理的消费方式，故选A；3. 选项A“什么都不做”不礼貌，选项B“把钱花在玩具上”不符合对妈妈生日的重视，选项C“用零花钱买小礼物”是得体的做法，故选C；4. 题干问“不应该做的”，选项A“把所有钱花在零食上”是不合理的，选项B“攒钱留着用”和选项C“一半买需要的东西”都是正确做法，故选A。
【答案】1.B 2.A 3.C 4.A
【知识点】合理消费、理财意识、日常礼仪
【点评】本题紧密联系生活实际，考查学生的合理消费观念和日常行为的得体性，题目难度较低，学生易理解和作答。
【难度系数】0.9
【解析】1. 选项A“借钱买”会增加不必要的债务，选项C“让朋友买”不符合合理消费原则，选项B“每天攒钱”是合理的存钱方式，故选B；2. 选项A“制定消费计划”是明智使用零花钱的正确方法，选项B“买所有喜欢的”和选项C“快速花完”都是不合理的消费方式，故选A；3. 选项A“什么都不做”不礼貌，选项B“把钱花在玩具上”不符合对妈妈生日的重视，选项C“用零花钱买小礼物”是得体的做法，故选C；4. 题干问“不应该做的”，选项A“把所有钱花在零食上”是不合理的，选项B“攒钱留着用”和选项C“一半买需要的东西”都是正确做法，故选A。
【答案】1.B 2.A 3.C 4.A
【知识点】合理消费、理财意识、日常礼仪
【点评】本题紧密联系生活实际，考查学生的合理消费观念和日常行为的得体性，题目难度较低，学生易理解和作答。
【难度系数】0.9
五、Alex 的零花钱总是不够用,为什么呢? 请阅读短文,完成下列任务。
Alex is very lucky. Sometimes, his parents give him money on his birthday. He also earns(赚） some money by helping at home. But he never spends his pocket money wisely. When he gets some, he spends it right away(马上). He often buys things without thinking. So he often buys things he doesn't really need. Now he needs some new pencils and erasers, but he doesn't have enough money. He sits on his bed and thinks, “Why do I never have money for things I really need? I wasted too much money before. It's time to change(改变).”
任务一:请判断下列句子的正误,正确的写“T”,错误的写“F”。
（
（
（
任务二:提升题请以第二人称视角给 Alex 提两条合理的建议。
1.
2.
Alex is very lucky. Sometimes, his parents give him money on his birthday. He also earns(赚） some money by helping at home. But he never spends his pocket money wisely. When he gets some, he spends it right away(马上). He often buys things without thinking. So he often buys things he doesn't really need. Now he needs some new pencils and erasers, but he doesn't have enough money. He sits on his bed and thinks, “Why do I never have money for things I really need? I wasted too much money before. It's time to change(改变).”
任务一:请判断下列句子的正误,正确的写“T”,错误的写“F”。
（
F
）1. Alex can only get money on his birthday.（
F
）2. Alex has enough money to buy new pencils and erasers.（
T
）3. Alex is not good at saving money.任务二:提升题请以第二人称视角给 Alex 提两条合理的建议。
1.
You should save money every week and write a spending plan.
2.
You should think about what you really need before buying things.
答案
任务一:
1. F
2. F
3. T
任务二:
1. You should save money every week and write a spending plan.
2. You should think about what you really need before buying things.
1. F
2. F
3. T
任务二:
1. You should save money every week and write a spending plan.
2. You should think about what you really need before buying things.
解析
【分析】
首先处理任务一的正误判断，需回到短文中定位对应信息：第1题需确认Alex获得零花钱的方式，原文显示他除了生日得钱，还通过在家帮忙赚钱，并非仅生日得钱；第2题需确认买铅笔橡皮的钱是否足够，原文明确提到他没有足够的钱；第3题需判断是否擅长省钱，原文提到他花钱无规划、买不需要的东西，说明不擅长省钱。任务二需结合Alex乱花钱的问题，以第二人称提出合理建议，符合短文反映的核心问题。
【解析】
任务一：1. 原文表述为“Sometimes, his parents give him money on his birthday. He also earns some money by helping at home.”，说明Alex获得零花钱的方式不止生日，故该句错误；2. 原文提到“Now he needs some new pencils and erasers, but he doesn't have enough money.”，说明他钱不够，故该句错误；3. 原文提到“But he never spends his pocket money wisely... buys things he doesn't really need.”，说明他不擅长省钱，故该句正确。
任务二：结合Alex乱花钱、无消费规划的问题，提出两条合理建议：一是制定消费计划并每周存钱，二是购买前考虑是否真正需要，符合要求。
【答案】
任务一：1.F 2.F 3.T；任务二：1.You should save money every week and write a spending plan. 2.You should think about what you really need before buying things.
【知识点】
英语阅读理解、细节判断、建议表达
【点评】
本题通过短文考查学生对细节信息的提取判断能力及解决实际问题的建议表达能力，需紧扣原文内容作答，整体难度适中。
【难度系数】
0.6
首先处理任务一的正误判断，需回到短文中定位对应信息：第1题需确认Alex获得零花钱的方式，原文显示他除了生日得钱，还通过在家帮忙赚钱，并非仅生日得钱；第2题需确认买铅笔橡皮的钱是否足够，原文明确提到他没有足够的钱；第3题需判断是否擅长省钱，原文提到他花钱无规划、买不需要的东西，说明不擅长省钱。任务二需结合Alex乱花钱的问题，以第二人称提出合理建议，符合短文反映的核心问题。
【解析】
任务一：1. 原文表述为“Sometimes, his parents give him money on his birthday. He also earns some money by helping at home.”，说明Alex获得零花钱的方式不止生日，故该句错误；2. 原文提到“Now he needs some new pencils and erasers, but he doesn't have enough money.”，说明他钱不够，故该句错误；3. 原文提到“But he never spends his pocket money wisely... buys things he doesn't really need.”，说明他不擅长省钱，故该句正确。
任务二：结合Alex乱花钱、无消费规划的问题，提出两条合理建议：一是制定消费计划并每周存钱，二是购买前考虑是否真正需要，符合要求。
【答案】
任务一：1.F 2.F 3.T；任务二：1.You should save money every week and write a spending plan. 2.You should think about what you really need before buying things.
【知识点】
英语阅读理解、细节判断、建议表达
【点评】
本题通过短文考查学生对细节信息的提取判断能力及解决实际问题的建议表达能力，需紧扣原文内容作答，整体难度适中。
【难度系数】
0.6
