I Listen and tick.
How do they use their money wisely?
| | Mike | Sarah | Amy | Binbin |
| --- | --- | --- | --- | --- |
| Save money for useful things | | | | |
| Wait for a sale | | | | |
| Buy gifts for family | | | | |

| | Mike | Sarah | Amy | Binbin |
| --- | --- | --- | --- | --- |
| Save money for useful things | √ | √ | | √ |
| Wait for a sale | | | √ | |
| Buy gifts for family | | √ | | √ |

Ⅱ. Look and choose.
()1.
()2.
()3.
()4.
A. Buy needs first.
B. Write a spending plan.
C. Save some pocket money.
D. Wait for a sale.

1. B 2. D 3. A 4. C

【分析】
本题为英语看图匹配题，解题思路是：先明确每个选项的英语短语含义，再结合对应插图的场景，将短语与插图场景一一对应，选出正确答案。
【解析】
各选项含义：A. 先买需要的东西；B. 写一个消费计划；C. 存一些零花钱；D. 等促销活动。结合插图场景匹配：第1幅图对应写消费计划（B），第2幅图对应等促销（D），第3幅图对应先买需要的（A），第4幅图对应存零花钱（C），因此答案依次为B、D、A、C。
【答案】
1.B 2.D 3.A 4.C
【知识点】
英语短语理解、日常话题表达
【点评】
本题考查与日常理财相关的英语短语匹配，需学生掌握短语含义并结合场景判断，难度适中，适合小学高段或初中低年级学生练习。
【难度系数】
0.5

Ⅲ. Read, think and write.
If you have 100 yuan, how are you going to spend your money?
I have 100 yuan. I will spend yuan on needs, like . I will spend yuan on wants, like .
But I will wait for a sale. I will also save yuan. My idea: We should not . We must use money wisely.

参考示例：
50; pens, notebooks and other school stationery
30; a set of my favourite cartoon story books
20; waste money on things we don't actually need

【分析】本题要求结合100元的合理分配，区分生活中的必需品（needs）和非必需的想要物品（wants），同时体现储蓄与理性消费的观念。解题时需先将100元合理拆分，分别对应必需品花费、想要物品花费、储蓄，最后补充理性消费的观点，参考示例结构填写即可。
【解析】根据题目要求，将100元分为三部分：必需品花费50元，如文具；想要的物品花费30元，如卡通故事书；储蓄20元，最后表达不要浪费钱在不需要的东西上，符合理性消费的理念。
【答案】50; pens, notebooks and other school stationery; 30; a set of my favourite cartoon story books; 20; waste money on things we don't actually need
【知识点】合理消费观念、英语读写应用
【点评】本题结合生活实际，考查学生对金钱的规划能力，同时锻炼英语表达，引导学生树立理性消费的意识。
【难度系数】0.3