Ⅰ.短文填空
阅读下面短文,在空白处填入一个适当的单词或填入括号内单词的正确形式。
Dear friends, do you know how to spend money? Most will say, "Of course." But do you know how to spend money 1. (wise)? Money 2. (manage) is an important skill for us. Last year, I learned this lesson through 3. personal experience that changed my attitude towards spending.
One day, I saw a 4. (science) calculator(计算器) that my maths teacher recom- mended. Although my old calculator still worked, I really wanted to buy the new one. I 5. (trade) my weekly lunch money for snacks to save up. Then I could afford 6. (buy) it. However, two weeks later, I regretted my 7. (decide). My family faced unexpected 8. (medicine) expenses, and I realised I had wasted money 9. could have helped my parents. I felt so sorry for that that I decided to manage money much 10. (well).
Since then, I 11. (start) saving 30% of my pocket money in a jar which I keep for emergencies. I also avoid 12. (buy) things that I don't truly need. For example, when friends invited me to pay for video games recently,
I politely refused. Now, I'm grateful 13. small amounts of money and understand their value better.
Through this experience, I learned to know the differences 14. wants and needs. Money management isn't just about saving—it's about making wise choices that prepare us for life's surprises. By being careful with money today, we 15. (have) a safer tomorrow.

1. wisely
2. management
3. a
4. scientific
5. traded
6. to buy
7. decision
8. medical
9. that/which
10. better
11. have started
12. buying
13. for
14. between
15. will have

【分析】
首先通读全文，理解文章主旨为通过个人经历讲述如何明智消费与理财。解题时需结合语境，依据词性、语法规则、固定搭配等逐个分析每个空：1. 修饰动词spend需用副词；2. 作句子主语需用名词；3. 泛指一次经历用不定冠词；4. 修饰名词calculator需用形容词；5. 描述过去动作用一般过去时；6. afford后接不定式；7. 形容词性物主代词后接名词；8. 修饰名词expenses需用形容词；9. 定语从句先行词为物，需用关系代词；10. 表比较用副词比较级；11. since then是现在完成时标志；12. avoid后接动名词；13. 固定短语be grateful for；14. 固定搭配between...and...；15. 表将来动作用一般将来时。
【解析】
1. 此处修饰动词spend，需用副词，wise的副词形式为wisely，故填wisely。
2. 此处作句子主语，需用名词，manage的名词形式为management，意为“管理”，故填management。
3. 此处表泛指“一次个人经历”，personal以辅音音素开头，故用不定冠词a，填a。
4. 此处修饰名词calculator，需用形容词，science的形容词形式为scientific，意为“科学的”，故填scientific。
5. 由时间状语Last year可知，此处用一般过去时，trade的过去式为traded，故填traded。
6. afford to do sth是固定搭配，意为“负担得起做某事”，故填to buy。
7. 形容词性物主代词my后需接名词，decide的名词形式为decision，意为“决定”，故填decision。
8. 此处修饰名词expenses，需用形容词，medicine的形容词形式为medical，意为“医疗的”，故填medical。
9. 此处考查定语从句，先行词money指物，关系词在从句中作主语，故用that/which，填that/which。
10. 此处表“比之前更好”，用副词well的比较级better，故填better。
11. since then是现在完成时的标志，主语为I，助动词用have，start的过去分词为started，故填have started。
12. avoid doing sth是固定搭配，意为“避免做某事”，故填buying。
13. be grateful for是固定短语，意为“感激……”，故填for。
14. between...and...是固定搭配，意为“在……和……之间”，此处指“想要和需要的区别”，故填between。
15. 此处表将来动作，用一般将来时，结构为will+动词原形，故填will have。
【答案】
1. wisely 2. management 3. a 4. scientific 5. traded 6. to buy 7. decision 8. medical 9. that/which 10. better 11. have started 12. buying 13. for 14. between 15. will have
【知识点】
英语词性转换、动词时态、固定搭配
【点评】
本题以个人理财经历为语境，综合考查英语核心知识点，既注重基础词汇与语法的运用，又引导学生理解合理消费的意义，兼具知识性与教育性。
【难度系数】
0.6

Ⅱ. 阅读表达
阅读下面短文，简略回答问题。
Do you pay with paper money, credit cards, or your phone when you go shopping? People in China may pay with WeChat (微信) on the phones. We seldom use paper money.
While WeChat Pay is now a part of life in our country, this way of paying also appears in other countries. A lot of foreign companies and traders have to accept it. According to Xinhua News, about 13 foreign countries have WeChat Pay services for Chinese travellers.
Is it good or bad to use WeChat Pay? Will people no longer use paper money in the future? Some discussions appear on the internet.
"I don’t think so. Nearly half of Chinese people live in the countryside. People there can’t enjoy it without good internet service. And most old people like to use paper money," said Winnie.
"WeChat Pay is convenient and safe. We needn’t tell if the money is real or fake. But paper money is just the opposite. We should encourage people to use WeChat Pay more," said Kim Smith, a wise man.
"For a long time, people will use different payment ways," said Sunshine. "Traders should allow people to choose the ways they like to pay."
Will paper money disappear in the future? What are your ideas about it?
16. How many foreign countries have WeChat Pay services for Chinese travellers?

17. What do most old people in the countryside like to use when buying things?

18. What does Kim Smith encourage people to do?

19. When you go shopping, what can you use to pay? (列举两种即可)

20. Is it good or bad to use WeChat Pay? Why?

16. About 13.
17. Paper money.
18. To use WeChat Pay more.
19. Paper money and credit cards./WeChat Pay and paper money./Credit cards and WeChat Pay.
20. I think it's good to use WeChat Pay. Because it is convenient and safe, and we needn't tell if the money is real or fake.

【分析】
先通读短文，明确每个问题的核心，再带着问题回到原文定位对应段落，抓取关键信息，整理成符合要求的简略回答，确保答案与原文表述一致。
【解析】
16题：定位到短文第二段最后一句，提取关键信息“about 13”；
17题：定位到Winnie的发言内容，提取关键信息“paper money”；
18题：定位到Kim Smith的发言，提取其建议“encourage people to use WeChat Pay more”；
19题：定位到第一段列举的购物支付方式，任选两种即可；
20题：定位到Kim Smith关于WeChat Pay好处的描述，整理成对应回答。
【答案】
16. About 13.
17. Paper money.
18. To use WeChat Pay more.
19. Paper money and credit cards./WeChat Pay and paper money./Credit cards and WeChat Pay.
20. I think it's good to use WeChat Pay. Because it is convenient and safe, and we needn't tell if the money is real or fake.
【知识点】
英语阅读理解、信息提取
【点评】
本题为阅读表达类基础题，侧重考查学生从文本中快速定位并提取关键信息的能力，只要仔细阅读短文，就能准确作答。
【难度系数】
0.7