一、完形填空。
Nowadays, many people prefer to use mobile phones to pay for things. It is and safe. You don’t need to carry a full of cash or cards. Just scan a QR code and the payment is done a moment.
However, we must be careful with our information when shopping online. Some people may try to steal it. Also, it’s easy to spend too much when you can’t the real money in your hand. That’s why some parents still teach their children to use a bank. They put coins in it and watch their savings .
Saving money is a good habit. It helps us our goals, like buying a book or going on a trip. We should also learn to our budget and not spend more than we have. Remember: Every coin !
()1. A. difficult B. convenient C. boring D. expensive
()2. A. bowl B. menu C. wallet D. basket
()3. A. at B. on C. in D. for
()4. A. personal B. natural C. digital D. monthly
()5. A. see B. make C. borrow D. invent
()6. A. piggy B. paper C. golden D. metal
()7. A. add up B. go over C. think twice D. come up with
()8. A. achieve B. agree C. continue D. inform
()9. A. fill out B. keep C. hunt D. lay
()10. A. kills B. borrows C. counts D. persuades

1. B 2. C 3. C 4. A 5. A 6. A 7. A 8. A
9. B 10. C

二、阅读理解。
Children need to learn how to spend money smartly. Here are some tips from Dr. Mara Harvey, a money expert.
Learn to make money. Ask parents or neighbors if you can do chores to make pocket money. These could be washing a car or taking the dog for a walk. In this way, you can also improve (提高) your living skills.
Help your money grow. Money can't grow if it's in a piggy bank. Put your money in the bank and you can get interest (利息). Years later you may feel excited to know how much money you have.
Make a plan. If a holiday is coming and you need to spend more of your pocket money, try making a plan for spending and saving. Write down how much money you have and what you are spending on. Then it will help you manage (管理) your money.
Spend your money wisely. Spend your money on what you need. Then try to cut down on spending. For example, instead of eating out, you can choose to cook at home.
根据短文内容,选择最佳答案。
()1. How can children make pocket money according to Dr. Mara Harvey?
A. By asking for money. B. By doing chores.
C. By selling their old toys. D. By playing with friends.
()2. What does the writer suggest doing to help money grow?
A. Keeping money in a piggy bank.
B. Spending money after you get it.
C. Giving money to parents for safety.
D. Putting money in the bank to get interest.
()3. What does the writer think of managing money?
A. Worried. B. Helpful. C. Sad. D. Unclear.
()4. What can we learn from the text?
A. Saving money is easy.
B. Money is not important.
C. Planning helps use money wisely.
D. Children should not spend money.
()5. What is the structure of this text? (①=Para. 1, ②=Para. 2, . . . )

1. B 2. D 3. B 4. C 5. A