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五、阅读理解。
主题群:做人与做事
子主题:理财意识
语篇类型:说明文
难度:★★
[2026常州模拟]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.
1. 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. Move past.
2. 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
3.（创新考法·信息回填）Where can we put "If not, talk with parents."?
A. ①
B. ②
C. ③
D. ④
主题群:做人与做事
子主题:理财意识
语篇类型:说明文
难度:★★
[2026常州模拟]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.
1. 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. Move past.
2. If you put ¥1,000 in a big bank for a year, you can get
C
.A. ¥985
B. ¥1,000
C. ¥1,015
D. ¥1,150
3.（创新考法·信息回填）Where can we put "If not, talk with parents."?
A. ①
B. ②
C. ③
D. ④
答案
1. C 词义猜测题。根据前文可知，为了存钱买电子产品，朋友邀请你去KTV时应选择拒绝，因此pass的含义是“拒绝邀请”。
2. C 推理判断题。根据第五段中“Big banks usually have an interest rate of 1.5 per cent for a year.”可知，1 000元存一年的利息为1 000×1.5%＝15元，本息合计1 015元。
3. D 信息回填题。“If not, talk with parents.”承接的是前文“你知道银行账户是什么吗？”的疑问——若孩子不了解银行账户，就和父母沟通，之后再拓展“和父母去超市体验消费”的内容，因此应放在④处。
2. C 推理判断题。根据第五段中“Big banks usually have an interest rate of 1.5 per cent for a year.”可知，1 000元存一年的利息为1 000×1.5%＝15元，本息合计1 015元。
3. D 信息回填题。“If not, talk with parents.”承接的是前文“你知道银行账户是什么吗？”的疑问——若孩子不了解银行账户，就和父母沟通，之后再拓展“和父母去超市体验消费”的内容，因此应放在④处。
解析
【分析】
本题是一篇关于理财意识的英语说明文，包含三道阅读理解题，分别考查词义猜测、推理计算和信息回填。解题思路如下：1. 词义猜测题：需结合上下文语境，第四段提到预算要优先事项，买手机和手表需存钱，朋友邀请去KTV时应选择拒绝，据此推断pass的含义；2. 推理计算题：根据文中给出的年利率，计算1000元存一年的本息和；3. 信息回填题：分析待填句的逻辑，其承接“是否了解银行账户”的疑问，对应后文和父母沟通、去超市体验的内容，确定位置。
【解析】
1. 词义猜测题：根据第四段前文“Working out your priorities 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...”可知，为存钱买所需物品，应拒绝KTV邀请，故“pass”意为“拒绝邀请”，选C。
2. 推理计算题：根据第五段“Big banks usually have an interest rate of 1.5 per cent for a year.”，本金1000元，一年利息为1000×1.5%=15元，本息合计1000+15=1015元，选C。
3. 信息回填题：待填句“If not, talk with parents.”意为“如果不（了解），就和父母沟通”，前文④前一句是“Do you know what a bank account is?”，承接该疑问，若不了解银行账户则和父母沟通，之后是“和父母去超市体验消费”的内容，故应放在④处，选D。
【答案】
1.C 2.C 3.D
【知识点】
词义猜测题、推理判断题、信息回填题
【点评】
本文围绕理财意识展开，语篇贴近学生生活，考查学生的英语阅读理解核心能力，涵盖词义理解、计算推理和语篇逻辑衔接，有助于培养学生的理财观念，题目难度适中。
【难度系数】
0.6
本题是一篇关于理财意识的英语说明文，包含三道阅读理解题，分别考查词义猜测、推理计算和信息回填。解题思路如下：1. 词义猜测题：需结合上下文语境，第四段提到预算要优先事项，买手机和手表需存钱，朋友邀请去KTV时应选择拒绝，据此推断pass的含义；2. 推理计算题：根据文中给出的年利率，计算1000元存一年的本息和；3. 信息回填题：分析待填句的逻辑，其承接“是否了解银行账户”的疑问，对应后文和父母沟通、去超市体验的内容，确定位置。
【解析】
1. 词义猜测题：根据第四段前文“Working out your priorities 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...”可知，为存钱买所需物品，应拒绝KTV邀请，故“pass”意为“拒绝邀请”，选C。
2. 推理计算题：根据第五段“Big banks usually have an interest rate of 1.5 per cent for a year.”，本金1000元，一年利息为1000×1.5%=15元，本息合计1000+15=1015元，选C。
3. 信息回填题：待填句“If not, talk with parents.”意为“如果不（了解），就和父母沟通”，前文④前一句是“Do you know what a bank account is?”，承接该疑问，若不了解银行账户则和父母沟通，之后是“和父母去超市体验消费”的内容，故应放在④处，选D。
【答案】
1.C 2.C 3.D
【知识点】
词义猜测题、推理判断题、信息回填题
【点评】
本文围绕理财意识展开，语篇贴近学生生活，考查学生的英语阅读理解核心能力，涵盖词义理解、计算推理和语篇逻辑衔接，有助于培养学生的理财观念，题目难度适中。
【难度系数】
0.6
