If your parents are out for a week and you're left with 800 yuan, how will you spend the money? It would be 1 to spend the money at the mall, especially when you have great clothes at home, right? A smarter way is to spend the money on food and journeys. At the same time, you 2 want to save some money for some difficult situations.
You learnt how to budget. It's all about deciding what 3 most and how much you want to spend on it.
Learning your priorities（优先事项）is the most important. For example, if you 4 to buy a smartphone, you should consider saving some money first. The next time your friend invites you to an expensive place, you'd better 5.
But having a budget doesn't mean you can't have 6. You must be creative. Instead of meeting your friends at the restaurant and then 7 the movies, you could invite them to your home. You can buy some bread at the supermarket and watch a movie online. It's a lot 8.
More suggestions can be found on the internet. As a young person, you have 9 to try different methods. In fact, even adults make mistakes at times. So, if you go over your budget, just try to learn from your 10. It's part of becoming a wise spender.
()1. A. wise B. easy C. safe D. silly
()2. A. finally B. completely C. probably D. properly
()3. A. matters B. increases C. develops D. happens
()4. A. start B. plan C. order D. advise
()5. A. accept B. choose C. manage D. refuse
()6. A. fun B. time C. money D. interest
()7. A. caring for B. leaving for C. hoping for D. asking for
()8. A. easier B. slower C. cheaper D. longer
()9. A. notes B. skills C. rules D. chances
()10. A. promises B. mistakes C. moments D. discussions

完形填空·语篇导读 本文主要介绍了如何明智地花钱。
快速对答案
1—5 D C A B D
6—10 A B C D B
1. D 句意为:把钱花在商场是愚蠢的,尤其是当你家里有很棒的衣服时,对吧? 根据 especially when you have great clothes at home可知,家里有很棒的衣服时还去商场花钱是不明智的,故选 D 项。
2. C 句意为:同时,你可能想为一些困难的情况存些钱。根据语境可知,此处表示“可能”,故选 C 项。
3. A 根据“It’s all about deciding what... most”可知此处表示决定什么是最重要的,matter 意为“重要”,故选 A 项。
4. B 句意为:例如,如果你计划买一部智能手机,你应该先考虑存些钱。根据语境可知此处表示“计划”,故选 B 项。
5. D 句意为:下次你的朋友邀请你去一个昂贵的地方时,你最好拒绝。根据 you should consider saving some money first 可知想要存钱买智能手机,就要拒绝去昂贵的地方,故选 D 项。
6. A 句意为:但是有预算并不意味着你不能玩得开心。根据“You can buy some bread at the supermarket and watch a movie online.”可知此处表示有预算也可以玩得开心,have fun 意为“玩得开心”,故选 A 项。
7. B 根据语境可知,此处表示去看电影,leave for 意为“动身去”,符合语境。故选 B 项。
8. C 句意为:这要便宜得多。根据“You can buy some bread at the supermarket and watch a movie online.”可知,此处表示在家招待朋友比和朋友外出要便宜得多,故选 C 项。
9. D 句意为:作为一个年轻人,你有机会尝试不同的方法。根据语境可知,此处表示年轻人有机会尝试,故选 D 项。
10. B 句意为:所以,如果你超出了预算,就努力从你的错误中学习。根据“In fact, even adults make mistakes at times.”可知,此处表示从错误中学习,故选 B 项。

新素材素材来源:Investopedia
[2026 原创]Many teenagers want to make smart choices about money, but they often don't know where to start. Studies show that only a small number of high school students feel confident about their financial knowledge. The good news is that parents can help teens build strong money habits that will last a lifetime.
The first step is simple: Talk about money. Parents don't need to give long lectures. Instead, they can ask everyday questions, such as "How would you use 50 dollars if you earned it?" When money becomes a natural topic, teens feel more comfortable asking questions and sharing their ideas.
Next, parents can teach basic budgeting and saving knowledge. Teens can learn to track how much money they receive from allowances, gifts, or part-time jobs, and how much they spend. A helpful rule is the "50/30/20 plan": 50% for needs, 30% for wants, and 20% for savings. Some teens may enjoy using simple money-management apps to see where their money goes.
▲ If they spend their allowances too quickly, parents should avoid giving extra money. Making small mistakes now helps teens avoid bigger problems in the future.
As teens grow, parents can introduce real-life tools like a joint bank account or explain how interest works. Setting both short-term goals (like
初中必刷题 英语九年级上册 WY
buying sports shoes) and long-term goals (like saving for college) builds confidence.
Helping teens learn about money isn't about perfection. It's about steady progress. With regular conversations and real-world practice, teens can develop healthy financial habits that will support them throughout their lives.
()11. According to Paragraph 1, what is the problem with many high school students?
A. They do not want to talk to their parents.
B. They have smart choices but no money to spend.
C. They lack confidence in their financial knowledge.
D. They spend too much money on computer games.
()12. If a teen has 200 dollars, how much should be saved according to the "50/30/20 plan"?
A. 20 dollars.
B. 30 dollars.
C. 40 dollars.
D. 50 dollars.
()13. 新考法内容回填 Which sentence can be put in the "▲" in Paragraph 4?
A. Using a bank account is the only way to learn well.
B. It's also important to let teens make small mistakes.
C. Parents should punish teens severely when they waste money.
D. Teens usually save more money than their parents do.
()14. 新考法篇章结构 Which of the following shows the structure of the passage? (P1=Paragraph 1, P2=Paragraph 2...)
A. P1→(P2—P3—P4—P5)→P6
B. (P1—P2)→(P3—P4—P5)→P6
C. P1→(P2—P3—P4)→(P5—P6)
D. P1→(P2—P3)→(P4—P5)→P6

阅读理解·语篇导读 本文针对青少年普遍缺乏理财自信的问题,向家长提供了培养孩子良好理财习惯的实用建议。
快速对答案 11—14 C C B A
11. C 细节理解题。根据第一段的“Studies show that only a small number of high school students feel confident about their financial knowledge.”可知,许多高中生的问题在于他们对自己的理财知识缺乏信心。故选 C 项。
12. C 细节理解题。根据第三段第三句可知,储蓄的比例是 20%。因此,如果一个青少年有 200 美元,他应该储蓄的金额是 40 美元。故选 C 项。
13. B 推理判断题。通读第四段可知,本段告诉父母要允许孩子犯小错误并从中学习,以防止未来犯大错误。选项 B 符合语境。故选 B 项。
14. A 推理判断题。文章第一段提出青少年缺乏理财知识和自信,引出下文的具体建议;第二至五段分别给出了四个建议;第六段进行总结,再次强调持续培养理财习惯的重要性。故选 A 项。