六、 新素材 儿童理财 (2026·常州第二十四中学阶段检测)阅读理解(15分)
① At an early age, we start learning how to manage money by watching our parents' spending habits. Don't worry if we haven't learnt well how to save or spend money. The following life lessons about money can help us form good spending habits.
Money doesn't grow on trees. We shouldn't spend all our money in one go. It's important for us to have a budget. In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can't cover everything we want, we should make smart spending choices.
②
We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can't afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we've dreamed about!
Working out your priorities(优先事项) is the most important part of budgeting. For example, if you plan on buying a new smartphone and a cool smartwatch, you should think about saving some money. The next time your friends invite you to go to KTV with them, you might as well decide to pass.
③ Parents can put pocket money directly into your bank account. A bank can be magic! You put your money in it and your money will grow in a month. Why? It's because the bank pays you interest. Big banks usually have an interest rate(利率) of 1.5 per cent for a year.
We can talk with our parents about how money is used and where money goes. Do you know what a bank account is? ④ We can also go to the supermarket with our parents to experience how money is spent in the real world.
Without doubt, we should treat money in the right way. Actually, learning about money isn't a hard job. From these lessons, we can get a sense of money management and right money values step by step!
()1. What does the writer want kids to do by giving the example of buying a bicycle?
A. Buy a wonderful notebook.
B. Make a free spending choice.
C. Set a goal of saving money.
D. Have an experience of shopping.
()2. What does the underlined word "pass" mean in Paragraph 4?
A. Go to the party.
B. Make a plan.
C. Say no to the invitation.
D. Think twice.
()3. 跨学科 价格计算 If you put ¥1,000 in a big bank for a year, you can get .
A. ¥985
B. ¥1,000
C. ¥1,015
D. ¥1,150
()4. 新考法 句子还原 Where can we put "If not, talk with our parents."?
A. ①
B. ②
C. ③
D. ④
()5. 新考法 推断作者观点态度 Which of the following will the writer probably agree with?
A. Walking backward can help people.
B. Kids should have a money spending plan.
C. Parents may give kids lots of pocket money.
D. Supermarkets will be places to change money.

六、[文章大意]本文围绕"儿童理财"展开,介绍了设定存钱目标、制定预算、区分消费优先级等实用技巧,旨在帮助孩子从小树立正确的金钱观,逐步学会理性消费。
1. C [解析]细节理解题。根据"We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can't afford it, we can save our pocket money."可知,通过列举买自行车的例子,作者想让孩子们学会设定储蓄目标。故选C。
2. C [解析]词义猜测题。根据画线词上文"if you plan on buying a new smartphone and a cool smartwatch, you should think about saving some money"及常识可知,为了存钱买电子产品,朋友邀请你去KTV时应该拒绝。因此,画线词"pass"的含义是"拒绝邀请",对应"Say no to the invitation."。故选C。
3. C [解析]价格计算题。根据第五段中的"Big banks usually have an interest rate(利率) of 1.5 per cent for a year."可知,1000元存入银行一年的利息为$(1000×1.5\% =)$15元,即本息合计1015元。故选C。
4. D [解析]句子还原题。通读全文可知,"If not, talk with our parents."承接的是上文"你知道银行账户是什么吗?"的疑问——若孩子不了解银行账户,可以和父母沟通,之后再拓展"和父母去超市体验消费"的内容,因此这句话应放在④处。故选D。
5. B [解析]推理判断题。根据"We shouldn't spend all our money in one go. It's important for us to have a budget."可推知,"孩子应该制订一个花钱计划"符合作者的观点。故选B。