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Unit 4 Personal Finance 单元测试卷
（不含听力，满分：120 分 考试时间：90 分钟）
班级：________ 姓名：________ 得分：__________
一、完形填空（共 10 小题，每小题 2 分，满分 20 分）
When I was 13, my mom started giving me a monthly allowance (零花钱) and told me to learn to manage it. At first, I was so excited that I 1 all my money on toys and snacks within a week. Soon I had nothing left and felt upset.
Then my mom gave me some 2 . She said, “You need to make a 3 . Write down what you need and what you want, and don’t spend money on things you don’t really need.” I took her advice. Every month, I put half of my allowance into a savings box, and used the other half to 4 my daily needs like stationery and occasional snacks.
One day, I saw a nice bicycle at the store. It 5 about 200 dollars. I really wanted it, but I knew I couldn’t ask my parents to buy it for me. So I decided to save enough money by myself. For six months, I kept 6 my allowance and even sold my old storybooks to get extra money.
Finally, I had enough to buy the bicycle. When I rode it home, I felt so proud. This 7 taught me an important lesson: managing money wisely helps you 8 your goals. Now, I still keep the habit of saving part of my money every month. I also learn to 9 between needs and wants. It’s not always easy, but it’s 10 doing.
1．A．spent B．saved C．borrowed D．lent
2．A．money B．advice C．books D．toys
3．A．mistake B．plan C．budget D．list
4．A．pay for B．ask for C．look for D．wait for
5．A．cost B．took C．spent D．paid
6．A．wasting B．collecting C．saving D．using
7．A．experiment B．experience C．message D．trip
8．A．reach B．make C．keep D．change
9．A．tell B．say C．talk D．speak
10．A．busy B．worth C．easy D．free
二、单项填空（共 10 小题；每小题 2 分，满分 20 分）
从每小题所给的 A、B、C、D 四个选项中选出一个可以填入空白处的最佳选项。
1. It’s ______ to save part of your pocket money every month instead of spending it all.
A. silly B. wise C. lazy D. rude
2. Most of the ______ we spend goes on food and transportation every month.
A. time B. energy C. money D. work
3. You should save money ______ your future education.
A. for B. to C. with D. on
4. —Did you get ______ useful about personal finance from the book
—Yes, I learned how to make a budget.
A. everything B. nothing C. something D. anything
5. This watch ______ be expensive, but I’m not sure. Let’s check the price tag.
A. must B. might C. can’t D. need
6. The idea of making a weekly budget ______ is very helpful for teenagers.
A. itself B. himself C. herself D. yourselves
7. Could you ______ me some money I’ll pay you back next week.
A. lend B. borrow C. keep D. send
8. The new phone is too expensive for me to ______. I’ll wait until it’s on sale.
A. sell B. afford C. cost D. spend
9. My dad taught me ______ to manage my pocket money when I was 12.
A. what B. why C. how D. when
10. —I always spend my pocket money as soon as I get it. What should I do
—______ You can start by making a simple budget.
A. No way! B. Not really. C. Sounds good. D. Why not try saving part of it
三、阅读理解（共 15 小题，每小题 2 分，满分 30 分）
阅读以下三篇短文，从每小题所给的四个选项中，选出一个与短文内容相符的最佳选项。
(A)
Lily dreamed of having a tablet for online learning, but her parents said she had to earn the money herself. At first, Lily felt disappointed, but she decided to try.
She started doing extra chores at home, like cleaning the house and walking the neighbor’s dog, for which she got $5 each time. She also sold her old toys and storybooks at a yard sale and made $45. Every week, Lily put all her earnings into a savings jar. She made a budget too: she only spent money on necessary things like pencils and notebooks.
After three months, Lily counted her money. She had $280, which was just enough to buy the tablet she wanted. When she held the tablet in her hands, she felt prouder than ever. She learned that with hard work and wise money management, she could achieve her goals.
1．Why didn’t Lily’s parents buy her a tablet
A. Because they didn’t have enough money.
B. Because they wanted her to earn it herself.
C. Because they thought tablets were bad for study.
D. Because they already bought her a similar one.
2．How did Lily get extra money
A. By doing chores and selling old things.
B. By asking her grandparents for help.
C. By working part-time at a store.
D. By winning a competition.
3．What did Lily do with her earnings
A. She spent all of them on snacks.
B. She put all of them into a savings jar.
C. She lent half of them to her friend.
D. She used them to buy new toys.
4．How long did it take Lily to save enough money for the tablet
A. One month.
B. Two months.
C. Three months.
D. Four months.
5．What did Lily learn from this experience
A. She should ask her parents for everything she wants.
B. Hard work and wise money management help achieve goals.
C. Selling old things is the best way to make money.
D. Tablets are not necessary for online learning.
(B)
Different countries have different ways of teaching kids about personal finance.
In the United States, many parents give kids allowance in exchange for doing chores. They encourage kids to save part of their allowance and let them decide how to spend the rest. Some kids even learn to invest (投资) small amounts of money in simple projects.
In Japan, parents teach kids the importance of saving from a young age. Many children have a “saving box” and put part of their pocket money into it every month. They rarely spend money on unnecessary things, and saving is seen as a good habit.
In China, more and more parents are starting to teach kids about money management. Some parents make budgets with their children, letting them track their own spending. Schools also hold activities to teach students how to use money wisely.
1．What do American parents often do to teach kids about finance
A. Give allowance without any conditions.
B. Let kids do chores to get allowance.
C. Invest money for their kids.
D. Stop kids from spending any money.
2．What is a common habit for Japanese kids
A. Spending all pocket money quickly.
B. Borrowing money from friends often.
C. Saving part of their pocket money.
D. Buying expensive toys with allowance.
3．What are Chinese parents starting to do
A. Ignore kids’ money management.
B. Make budgets with their children.
C. Give kids as much money as possible.
D. Stop kids from doing chores.
4．Which of the following is true according to the passage
A. Only American kids learn about finance.
B. Japanese kids don’t have allowance.
C. Chinese schools help teach finance.
D. All parents teach kids the same way.
5．What’s the main idea of the passage
A. Different ways to teach kids personal finance in different countries.
B. How to make a budget for kids.
C. The importance of saving money.
D. Why kids need to learn about finance.
(C)
Here are five simple tips for teenagers to manage their pocket money:
1. Track your spending: Write down every time you spend money, even small amounts like $1 for a candy. This helps you see where your money goes.
2. Make a budget: Decide how much you can spend on needs (like stationery) and wants (like toys). Stick to your budget as much as possible.
3. Set a savings goal: Do you want to buy a new bike or a book Set a goal and save part of your money every month to reach it.
4. Think before you buy: Ask yourself, “Do I really need this ” If it’s just a want, wait a few days. You might realize you don’t really need it.
5. Learn basic investing: You can ask your parents to help you invest a small amount of money in a savings account. It will grow over time.
1. What is the first tip for managing pocket money
A. Make a budget.
B. Track your spending.
C. Set a savings goal.
D. Think before you buy.
2. What does “stick to” mean in tip 2
A. Follow.
B. Forget.
C. Change.
D. Break.
3. Why should you set a savings goal
A. To spend all your money quickly.
B. To buy unnecessary things.
C. To work toward something you want.
D. To ask your parents for more money.
4. What should you do before buying a want
A. Buy it immediately.
B. Wait a few days and think again.
C. Ask your friends to buy it for you.
D. Borrow money from your parents.
5. What can you do with a small amount of money to make it grow
A. Put it in a savings account.
B. Spend it on snacks.
C. Give it to your friends.
D. Keep it in your pocket.
四、阅读还原（共 5 小题，每小题 2 分，满分 10 分）
Many families don’t talk about money, but it’s important to teach kids about personal finance early. 1_____ Parents work hard to earn money, and kids need to understand its value.
Last month, my family started a “Family Finance Night” once a week. 2_____ We turn off the TV and put away our phones. We sit together and talk about our weekly spending.
3_____ My parents show me how they make a budget for the family—how much we spend on food, rent, and other needs. They also let me share my own budget for pocket money.
4_____ Sometimes we play games about money, like “guess the cost of common things”. Other times we discuss ways to save money, like buying things on sale or using reusable bags.
5_____ Now I understand how to manage my pocket money better, and my parents say they enjoy our time together too. We plan to keep having “Family Finance Night” every week.
A. It’s a time for us to learn and talk about money.
B. There are many fun activities we do on that night.
C. Kids who learn about finance early make better choices later.
D. During the night, we also talk about saving goals.
E. Everyone in my family looks forward to this night.
五、阅读短文，从方框中选择适当的词并用其正确的形式填空（每词限用一次），（共 10 小题，每小题 1 分，满分 10 分）
save, budget, spend, advice, wise, manage, experience, cost, afford, goal
Last year, I had my first money management 1_____ . My dad gave me $50 every month and told me to 2_____ it well. At first, I 3_____ all my money on video games and snacks. Soon I couldn’t 4_____ even a cheap notebook.
Then my dad gave me some useful 5_____ . He told me to make a 6_____ . I wrote down my needs and wants, and decided to 7_____ 20% of my money every month. It wasn’t easy, but I tried to be 8_____ with my spending.
After three months, I saved enough to buy a basketball, which was my 9_____ . It 10_____ me $35, but I felt so proud because I earned it through wise management.
六、短文填空（共 10 小题，每小题 1.5 分，满分 15 分）
Tom is a 15-year-old student from Canada. He learned about personal finance at school and decided to practice it.
1. (country) → He read books about finance from different ______ to learn different ways.
2. (teach) → His teacher ______ him to make a weekly budget.
3. (interest) → He became ______ in saving money after watching a documentary.
4. (start) → He ______ a savings account (账户) at a local bank.
5. (make) → Every week, he ______ a list of his spending.
6. (save) → He ______ 30% of his pocket money every month.
7. (buy) → After six months, he ______ a new skateboard with his saved money.
8. (learn) → He also ______ to avoid buying things he didn’t need.
9. (share) → He ______ his experience with his classmates at school.
10. (say) → Tom ______, “Managing money is an important skill for everyone.”
七、书面表达（共 1 题，满分 15 分）
你的朋友Jack最近写信告诉你，他总是刚拿到零花钱就花光，遇到想买的重要物品时却没有钱。请你根据以下提示给他写一封回信，给他一些理财建议：
1. 制定简单的预算，区分“需要”和“想要”；
2. 每月储蓄一部分零花钱；
3. 记录每一笔开支，了解钱的去向。
要求：(1) 可围绕主题适当发挥；(2) 80词左右。
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参考答案
一、完形填空1．A 2．B 3．C 4．A 5．A 6．C 7．B 8．A 9．A 10．B
二、单项填空1-5 BCADB 6-10 AABCD
三、阅读理解
(A)
1．B 2．A 3．B 4．C 5．B
(B)
1．B 2．C 3．B 4．C 5．A
(C)
1．B 2．A 3．C 4．B 5．A
四、阅读还原
1．C 2．A 3．D 4．B 5．E
五、选词填空
1．experience 2．manage 3．spent 4．afford 5．advice 6．budget 7．save 8．wise 9．goal 10．cost
六、短文填空
1．countries 2．taught 3．interested 4．started 5．made 6．saved 7．bought 8．learned 9．shared 10．said
七、书面表达
Dear Jack,
I’m sorry to hear you’re having trouble with your pocket money. Here are some tips for you:
First, make a simple budget. Write down your needs like stationery and your wants like toys, and spend more on needs. Second, save 20% of your pocket money every month. You can put it in a savings box. Third, track every expense. This helps you see where your money goes and avoid unnecessary spending.
Try these tips, and you’ll be able to save for important things soon!
Yours,
[Your Name]

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