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Unit5 The Value of Money 知识清单
一、核心词汇
money 钱，货币 currency 货币 cash 现金
coin 硬币 banknote/note/bill 纸币 change 零钱
wealth 财富 fortune 财富，巨款 treasure 财宝
income 收入 salary 薪水 wage 工资
earnings 收入，收益 profit 利润 loss 损失
debt 债务 loan 贷款 credit 信用
savings 储蓄 investment 投资 value 价值
price 价格 cost 成本，花费 worth 价值，值得的
expensive 昂贵的 cheap 便宜的 affordable 负担得起的
priceless 无价的 valuable 有价值的 precious 珍贵的
worthless 无价值的 earn 赚取 make money 赚钱
spend 花费 waste 浪费 save 节省，储蓄
invest 投资 donate 捐赠 contribute 捐献
borrow 借入 lend 借出 pay 支付
afford 负担得起 charge 收费 cost 花费
exchange 兑换 rich 富有的 wealthy 富裕的
poor 贫穷的 broke 破产的，身无分文的 generous 慷慨的
stingy 吝啬的 greedy 贪婪的 materialistic 物质主义的
frugal 节俭的 thrifty 节约的 extravagant 奢侈的
shop 购物 purchase 购买 buy 购买
sell 出售 market 市场 store 商店
product 产品 goods 商品 service 服务
consumer 消费者 customer 顾客 discount 折扣
bargain 便宜货；讨价还价 receipt 收据 bill 账单
happiness 幸福 success 成功 contentment 满足
satisfaction 满意 meaningful 有意义的 purpose 目的
priority 优先事项 relationship 关系 health 健康
experience 经历 memory 记忆 character 品格
integrity 正直
二、词性变换
value n./v. → valuable adj. → invaluable adj.
price n./v. → priceless adj.
cost n./v. → costly adj.
wealth n. → wealthy adj.
success n. → succeed v. → successful adj.
happiness n. → happy adj. → happily adv.
satisfaction n. → satisfy v. → satisfactory adj.
earn v. → earnings n.
spend v. → spending n.
save v. → savings n.
invest v. → investment n. → investor n.
donate v. → donation n. → donor n.
contribute v. → contribution n. → contributor n.
consume v. → consumption n. → consumer n.
produce v. → production n. → producer n.
generous adj. → generosity n.
greedy adj. → greed n.
stingy adj. → stinginess n.
frugal adj. → frugality n.
material n./adj. → materialistic adj.
finance n. → financial adj. → financially adv.
economy n. → economic adj. → economical adj.
三、重点短语与固定搭配
make a living 谋生 earn a living 谋生
make ends meet 收支平衡 save money 省钱，存钱
save up for 为...攒钱 cut down on expenses 削减开支
live within one's means 量入为出 budget one's money 做预算
keep track of spending 记录支出 waste money on 在...上浪费钱
be worth 价值... be valued at 被估价为...
be priced at 定价为... cost a fortune 花费一大笔钱
be good value for money 物有所值 pay the price for 为...付出代价
put a price on 给...定价 attach importance to 重视
be well off 富裕 be badly off 贫穷
be in debt 负债 be out of debt 还清债务
run out of money 用完钱 short of money 缺钱
tight on money 手头紧 make a fortune 发财
go shopping 去购物 window shopping 只看不买
shopping spree 疯狂购物 impulse buying 冲动购物
splurge on 挥霍在...上 treat oneself to 款待自己...
shop around 货比三家 haggle over the price 讨价还价
money can’t buy happiness 金钱买不到幸福 health is wealth 健康就是财富
time is money 时间就是金钱 the root of all evil 万恶之源
means to an end 达到目的的手段 material wealth 物质财富
spiritual wealth 精神财富 quality of life 生活质量
习语与表达：
a penny saved is a penny earned 省一文等于挣一文
money doesn't grow on trees 钱不是树上长的（指钱来之不易）
break the bank 花费过多
cost an arm and a leg 非常昂贵
be rolling in money 非常富有
feel like a million dollars 感觉非常好
put your money where your mouth is 用行动证明自己的话
四、重点句型
1. 讨论金钱价值
Money is important, but it isn’t everything. 金钱很重要，但不是一切。
The value of money lies in what it can do for people.
金钱的价值在于它能为人做什么。
Having money doesn’t guarantee happiness. 拥有金钱并不能保证幸福。
Some things are more valuable than money. 有些东西比金钱更有价值。
2. 表达财务能力
I can afford to buy... 我买得起...
I can’t afford to waste money on... 我浪费不起钱在...上。
It’s worth the money. 这钱花得值。
It’s not worth the price. 这不值这个价。
3. 描述消费选择
I’d rather save my money for something more important.
我宁愿把钱省下来买更重要的东西。
It makes more sense to invest in... 投资在...上更有意义。
I’m trying to cut back on unnecessary expenses. 我正努力削减不必要的开支。
This purchase is a good investment in my future. 这次购买是对我未来的良好投资。
4. 比较不同价值观
While some people value material possessions, others value experiences more.
虽然有些人重视物质财产，但其他人更重视经历。
Compared with wealth, health is more important. 与财富相比，健康更重要。
Different people have different attitudes toward money.
不同的人对金钱有不同的态度。
What matters most is not how much you have, but how you use it.
最重要的不是你拥有多少，而是你如何使用它。
5. 提出理财建议
It’s wise to save some money for emergencies. 为紧急情况存些钱是明智的。
You should think twice before making big purchases.
在进行大额购买前你应该三思。
Learning to manage money is an important life skill.
学会管理金钱是一项重要的生活技能。
Don’t judge people by how much money they have.
不要根据人们拥有多少钱来评价他们。
五、语法聚焦
1. 虚拟语气
与现在事实相反：If I had more money, I would travel the world.
与过去事实相反：If I had saved more money, I could have bought that house.
表达愿望：I wish I were better at managing money.
2. 情态动词表达能力与建议
can/could 表示能力：I can afford this car.
should/ought to 表示建议：You should save at least 10% of your income.
must/have to 表示必要性：We have to pay the bills.
might/may 表示可能性：This investment might bring good returns.
3. 比较级与最高级
同级比较：Money is as important as health for some people.
比较级：Time is more valuable than money.
最高级：The greatest wealth is good health.
4. 非谓语动词作状语
现在分词：Having enough money, he could afford a good education.
过去分词：Inspired by the story, she started to value experiences over possessions.
不定式：To understand the value of money, one must learn to manage it.
六、写作应用
常用表达：
描述比例：account for X%, make up X%, constitute X%
描述趋势：show an upward/downward trend, remain stable
比较数据：in comparison to, similarly, on the contrary
得出结论：this suggests that, it can be inferred that
七、文化背景与扩展
金钱相关谚语与格言
Money is a good servant but a bad master.
The love of money is the root of all evil.
You can’t take it with you when you die.

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