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/ 让学习更有效 单元培优卷 | 英语学科
/ 让学习更有效 单元培优卷 | 英语学科
2026 - 2027学年七年级英语上册单元综合素养培优卷译林版（新教材）
Unit 7 Be wise with money
注意事项
1. 全卷满分120分。考试时间120分钟。试题包含选择题和非选择题。考生答题全部答在指定区域，答在非答题区无效。
2. 请认真核对监考教师在所粘贴条形码的姓名、考试证号是否与本人相符，再将自己的姓名、考试证号用0.5毫米黑色墨水签字笔填写在本试卷上。
3. 答选择题必须用2B铅笔将对应的答案标号涂黑。如需改动请用橡皮擦干净后，再选涂其他答案。答非选择题必须用0.5毫米黑色墨水签字笔写在指定位置，在其他位置答题一律无效 。
第一部分 选择题（满分：60分）
一、单项选择（本大题共15小题，每小题1分，共15分）
1．________ you should save some money instead of spending all of it.
A．May be B．Maybe C．Must D．Need
2．—What do you do with your pocket money
—I ________ half of it to the animal shelter every month.
A．lend B．send C．donate D．offer
3．It’s wise ________ you to save money for your future.
A．for B．of C．to D．with
4．My parents always teach me to be ________ with money.
A．clever B．wise C．smart D．bright
5．—Can you ________ this new bike
—Sorry, it's too expensive. I don't have enough money.
A．afford B．sell C．borrow D．keep
6．We can ________ some of our pocket money to help the homeless people.
A．donate B．send C．give D．take
7．It’s wise ________ us to save some money every month.
A．for B．of C．to D．with
8．My parents always tell me to ________ some money for emergencies.
A．save up B．give up C．pick up D．look up
9．—Can you afford this book
—Yes, I have ________ money left.
A．a few B．few C．a little D．little
10．— Can you ________ to buy a new bike for me
— Sorry, it’s too expensive, and we can’t afford it now.
A．spend B．afford C．pay D．cost
11．We can ________ some of our pocket money to help the homeless.
A．give up B．give away C．give in D．give out
12．Making a monthly ________ can help you know where your money goes.
A．list B．plan C．budget D．note
13．This book ________ me twenty yuan. I think it’s really useful.
A．spent B．paid C．took D．cost
14．— _________ some important news on the radio this morning
— Sure, it’s all about the school sports meeting.
A．Is there B．Are there C．Have there D．Has there
15．—Look! The hand-made English storybooks look so great, they must be ________.
—Yes, but only the students who come first in the game can get them for free.
A．high B．low C．expensive D．cheap
二、完形填空（本大题共15小题，每小题1分，共15分）
阅读下面短文, 从短文后每题所给的 A、B、C、D 四个选项中, 选出可以填入空白处的最佳选项。
My dad always told me, “Money is the 16 to happiness.” But my rich uncle, whom I called “Rich Dad,” had a(n) 17 opinion. He took me to places to teach me about money and its power.
One day, Rich Dad took me to the 18 . He showed me his bank accounts and explained how he 19 his money. “Look,” he said, “I don’t work for money. Money works for me.”
“But how do you know what to do with 20 money ” I asked.
“ 21 education,” he replied. “It’s important to learn about money and how it works. School doesn’t teach you that.”
Rich Dad also 22 the difference between assets and liabilities. He explained that most people think they are buying assets 23 they buy liabilities, like a big 24 with a mortgage or an expensive car.
“So, 25 should I do to become financially independent ” I asked.
“Focus on building assets,” he said. “Start from 26 things and invest in things that you understand and believe in. Over time, your assets will 27 and you’ll be able to live the life you want.”
Rich Dad’s 28 made a big impression on me. I realized that money wasn’t just something to spend or 29 . It was a tool that could help me achieve my 30 .
16．A．idea B．fact C．key D．need
17．A．same B．amazing C．different D．terrible
18．A．bank B．school C．park D．museum
19．A．spent B．managed C．enjoyed D．described
20．A．her B．my C．his D．your
21．A．Through B．Inside C．Without D．For
22．A．worried about B．talked about C．learned about D．knew about
23．A．since B．when C．before D．after
24．A．room B．space C．family D．house
25．A．what B．how C．which D．why
26．A．quick B．fast C．small D．big
27．A．change B．grow C．buy D．sell
28．A．words B．languages C．grades D．classes
29．A．play B．cut C．save D．make
30．A．ways B．dreams C．skills D．styles
三、阅读单选（本大题共15小题，每小题2分，共30分）
A
AI, or Artificial Intelligence (人工智能), can make saving money easy and fun for kids and families. One way AI helps is by doing special activities at home. For example, there is no need to buy expensive card games. You can just use AI to design one for you. AI can help you step-by-step to make a game using things at home like paper and paint.
AI can also help plan meals on a budget (预算). Food in a shop can be expensive, but AI can help you make dishes using the food you have at home. If you want a dinner with low price, AI might advise making homemade noodles with vegetables. This not only saves money but also makes cooking fun and saves food.
Shopping for the best deals is another way AI can save money. Checking things in shops or online can take much time, but AI can do it for you. For example, if you need a new schoolbag, AI can find the best one which is not expensive. This helps you save both time and money while ensuring you get the most suitable option (选择) for your needs.
Finally, AI can also teach kids how to plan their money. AI can find out how much is spent on things like snacks or toys and show how to save more. If you get 10 as pocket money, AI may advise saving 3, spending 5, and keeping 2 for surprises.
AI makes saving money easy and fun, helping kids and families choose wisely every day.
31．How many examples are mentioned about how AI helps in the passage
A．3． B．4． C．5． D．6．
32．What does the underlined phrase in Paragraph 3 mean
A．finds schoolbags in nearby shops. B．Spending less time shopping online.
C．Buying the things with suitable prices. D．Saving money by selling more things.
33．Which of the following might be AI’s advice on money using
A． B．
C． D．
34．Which idea may the writer most probably agree with
A．AI can tell kids how to manage their pocket money.
B．AI is used to suggest what you must buy every day.
C．AI can cook meals for us if we are too tired to cook.
D．AI is used to teach families how to shop online.
35．What is the passage mainly about
A．How AI helps take care of children.
B．Why kids should help make a family budget.
C．How AI helps kids and families save money.
D．Why we need AI to help with housework.
B
Students in Star Middle School did a survey about how they use their pocket money. Here is part of the survey result.
Pocket money Books Entertainment Snacks/Drinks Savings
Lisa 20/week 20% 30% 25% 25%
Tom 150/month 15% 10% 30% 45%
Lisa: I have saved 100 yuan so far. I plan to buy a new notebook and a computer with my savings. I think earning and managing pocket money helps me learn to be responsible for my life. I don’t want to ask my parents for money for everything I need.
Tom: I save almost half of my pocket money every month. I often use the money to buy storybooks, go to the cinema with my classmates, or buy snacks when I hang out with friends. I also buy gifts for my grandparents on their birthdays. Learning to manage money is a useful skill for kids.
36．How much does Lisa spend on entertainment every month
A． 6. B． 5. C． 24. D． 8.
37．How long does it take Lisa to save 100 yuan
A．4 weeks. B．5 weeks. C．8 weeks. D．20 weeks.
38．What takes up the largest part of Tom’s pocket money
A．Books. B．Entertainment. C．Snacks/Drinks. D．Savings.
39．What doesn’t Tom do with his pocket money
A．Buy storybooks. B．Buy a new computer.
C．Go to the cinema with classmates. D．Buy gifts for grandparents.
40．Where may you read this text
A．In a science report. B．In a school magazine.
C．In a travel guide. D．In a cookery book.
C
At an early age, we start learning how to manage (掌管) money by watching our parents spending habits. Don’t worry if we haven’t learnt well how to save or spend money. The following life lessons about money can help us form good spending habits.①
Money doesn’t grow on trees. We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). ②We should set a clear goal and watch our money grow. How Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy things we’ve dreamed about!
Working out your priorities (优先事项) is the most important part of budgeting. For example, if you plan on buying a new smartphone and a cool smartwatch, you should think about saving some money. The next time your friends invite you to go to KTV with them, you might as well decide to pass.
Parents can put pocket money directly (直接) into your bank account (账户). You put your money in it and your money will grow in a month. Why It’s because the big banks usually have an interest rate (利率) of 1.5 percent for a year.
③We can talk with our parents about how money is used and where money goes. Do you know what a bank account is ④We can also go to the supermarket with our parents to experience (体验) how money is spent in the real world.
We should treat money in the right way. From these lessons, we can get a sense of money management and right money values step by step!
41．What does the writer want kids to do by giving the example of buying a new smartphone and a cool smartwatch
A．Buy a wonderful notebook. B．Make a free spending choice.
C．Set a goal of saving money. D．Have an experience of shopping.
42．What does the underlined word “pass” mean in Paragraph 4
A．Go to the party. B．Say no to the invitation.
C．Make a plan. D．Think twice.
43．If you put 1,000 in a big bank for a year, you can get ________.
A． 985 B． 1,150 C． 1,000 D． 1,015
44．Where can we put “If not, talk with our parents.”
A．④ B．③ C．② D．①
45．Which of the following will the writer probably agree with
A．Walking backward can help people.
B．Kids should have a money spending plan.
C．Parents may give kids lots of pocket money.
D．Supermarkets will be places to change money.
第二部分 非选择题（满分：60分）
四、词汇应用（本大题共10小题，每小题1分，共10分）
46．If you use your money ________ (wise), you can do more meaningful things.
47．He spent his pocket money ________ (careless), so he had to borrow money from his friend.
48．We need to make a ________ (decide) on how to use our pocket money wisely.
49．My sister is good at ________ (manage) her daily expenses.
50．After talking with his teacher, he understood the ________ (important) of being wise with money.
51．The ________ (慈善机构) helps thousands of homeless people every year.
52．I can’t ________ (买得起) that expensive watch. It’s beyond my budget.
53．He ________ (支付) twenty dollars for the basketball yesterday.
54．We should ________ (捐赠) some books to the children in the countryside.
55．It’s ________ (必要的) for us to learn how to manage our money.
五、完成句子（本大题共5小题，每小题2分，共10分）
56．我哥哥的十八岁生日快到了，我想给他一个惊喜。
My brother’s 18th birthday is coming and I want to give him a ________.
57．如果你能好好管理自己的钱财，想买东西的时候就不会缺钱了。
If you can ________________, you won’t run out of cash when you want to buy something.
58．我的好朋友安慰我并说道：“别担心，我会保护你的”。
My good friend comforts me and says, “Don’t worry. I will ________ you”.
59．我通常把大部分压岁钱花在文具和书籍上。
I usually ________ most of my lucky money ________ school things and books.
60．棒球帽是一种时尚，也能保护眼睛免受阳光伤害。
Baseball caps are ________ ________ ________ fashion, and they also ________ eyes ________ the sun.
六、短文语法填空（本大题共10小题，每小题1.5分，共15分）
阅读短文,在空白处填入一个适当的词,或填入括号中所给单词的正确形式。
Hey, boys and girls! You often get red packets on special days 61 your birthday or the Spring Festival,right What do you do with that money Let’s read a story about how some 62 (child) manage their money.
One summer, Dad gives Helen and her brother Andy 20 dollars each as a reward (奖赏) for doing 63 (good) in school.
“How can we use the money ” asks Andy.
“It’s so hot! I’m sure everyone would like 64 (drink) some juice,” says Helen. “Let’s start a juice stall (摊).”
Helen and Andy set out for the market. On the way, they meet 65 (they) friend Jacob. When they tell him about their plan, he is 66 (interest) in it. “I'd like to join you," he says and takes out 10 dollars.
At the market, they buy some fruit. Then they prepare lots of juice 67 fill (装满) 100 cups with it at home. As Helen 68 (give) 20 dollars, she has 40 shares (份额) of the juice stall. Andy also owns 40 shares, and Jacob owns 20 shares. They agree that after 69 (make) money, they will share the money according to (根据) their shares.
Then they put up 70 board that says: Delicious juice for only 1.25 dollars! Now they are ready to sell their delicious drink!
七、材料作文（本大题共25分）
71．假设你们学校英文报正在举办以“明智用钱”为主题的征文活动，请根据以下问题，以“How to use pocket money wisely”为题，写一篇英语短文投稿。
1. How do you get your pocket money
2. What do you usually do with it
3. What advice do you have for your classmates
要求：1. 短文需包含所有问题要点，并适当发挥；2. 词数100左右。
How to use pocket money wisely
/ 让学习更有效 单元培优卷 | 英语学科
/ 让学习更有效 单元培优卷 | 英语学科
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参考答案及试题解析
1．B
【解析】句意：也许你应该存一些钱，而不是把钱都花光。
May be可能是（情态动词+be，作谓语，不能放在句首作状语）；Maybe也许（副词，放在句首作状语，表示推测或建议）；Must必须（语气太强）；Need需要（语义不符）。根据句子结构，句中已有情态动词should作谓语，句首缺少副词作状语表示推测，May be为谓语结构不能置于句首修饰全句。
2．C
【解析】句意：——你怎么处理你的零花钱？——我每个月捐赠一半给动物收容所。
lend借出；send发送；donate捐赠；offer提供。根据答语中“to the animal shelter”可知，把钱给动物收容所属于慈善捐赠行为，donate符合语境。故选C。
3．B
【解析】句意：你为未来存钱是明智的。
for对于；of……的；to到；with和。固定句型“It is+adj.+of/for+sb.+to do sth.”中，当形容词表示人的品质、性格时，用介词of；当形容词表示事物的性质时，用介词for。wise意为“明智的”，是评价人的品质，故用of。
4．B
【解析】句意：我的父母总是教导我要明智地用钱。
clever聪明的；wise明智的；smart聪明的；bright明亮的/聪明的。根据“be...with money”可知，此处指对待金钱要有明智的判断，be wise with money为常用搭配，意为“明智地用钱”。
5．A
【解析】句意：——你能买得起这辆新自行车吗？——对不起，它太贵了。我没有足够的钱。
afford买得起；sell卖；borrow借；keep保持。根据答语“it’s too expensive. I don’t have enough money.”可知，因为价格太贵且钱不够，推测问句是询问能否负担得起费用。因此选A。
6．A
【解析】句意：我们可以捐出一部分零花钱来帮助无家可归的人。
donate捐赠；send发送，寄送；give给予；take拿走。donate money表示“捐款”，侧重无偿捐助，契合帮助流浪者的语境，donate符合语境。
7．B
【解析】句意：我们每个月存一些钱是明智的。
句型It’s+形容词+of sb. to do sth.“某人做某事真是……”，形容词wise形容人的品质，使用of。
8．A
【解析】句意：我的父母总是告诉我要积攒一些钱以备急用。
save up储蓄；give up放弃；pick up捡起；look up查阅；抬头看。根据“money for emergencies”可知是为了应急存钱。save up符合语境。
9．C
【解析】句意：——你能买得起这本书吗？——是的，我还剩一点钱。
a few一些，修饰可数名词复数；few几乎没有，修饰可数名词复数；a little一点，修饰不可数名词；little几乎没有，修饰不可数名词。money是不可数名词，排除A、B；根据答语“Yes”可知能买得起，表示肯定含义，应用a little。
10．B
【解析】句意：—— 你能负担得起给我买一辆新自行车吗？—— 对不起，它太贵了，我们现在负担不起。
spend花费；afford负担得起；pay付款；cost花费。根据答语“Sorry, it's too expensive, and we can’t afford it now.”可知，问句询问的是能否负担得起买自行车的费用，且afford后接to do sth.符合语境和语法。
11．B
【解析】句意：我们可以捐赠一些零花钱来帮助无家可归的人。
give up放弃；give away捐赠；give in屈服；give out分发。根据“to help the homeless”可知是为了帮助无家可归的人，推测出是捐赠零花钱。
12．C
【解析】句意：制定一个月度预算可以帮助你知道你的钱花到哪里去了。
list清单；plan计划；budget预算；note笔记。根据“where your money goes"可知此处指管理金钱去向，制定“预算”最符合语境。应填budget。
13．D
【解析】句意：这本书花费了我二十元。我觉得它真的很有用。
spent花费（主语是人）；paid支付（主语是人）；took花费（主语通常是It）；cost花费（主语是物）。根据主语“This book”是物，且表示花费金钱，符合sth. cost sb. money结构。
14．A
【解析】句意：——今天早上收音机里有一些重要新闻吗？——当然，都是关于学校运动会的。
news是不可数名词，谓语动词需用单数is；there be句型的一般疑问句将be动词提前至句首。因此选用Is there。
15．C
【解析】句意：——看！这些手工制作的英语故事书看起来太棒了，它们一定很昂贵。——是的，但只有比赛中获得第一名的学生才能免费得到它们。
high高的；low低的；expensive昂贵的；cheap便宜的。主语“they”指代“storybooks”，形容物品贵贱用expensive或cheap，形容价格高低用high或low。根据答语“only the students who come first in the game can get them for free”可知书很有价值，只有第一名才能免费获得，推测是昂贵的，应填expensive。
16．C 17．C 18．A 19．B 20．D 21．A 22．B 23．B 24．D 25．A 26．C 27．B 28．A 29．C 30．B
【导语】本文讲述了富爸爸通过带作者去银行、讲解资产与负债的区别，教导作者如何理财及实现财务独立的故事。
【解析】16．句意：钱是幸福的钥匙。
the key to sth是英语固定搭配，含义为“……的关键/通往……的途径”，贴合全文讨论金钱与人生幸福、生活目标的关系，因此选key“关键”。
17．句意：但我那位被我称作 “富爸爸” 的叔叔，有着不一样的观点。
But表示转折，说明前文父亲的金钱观念和后文富爸爸的理财观念完全相反，因此选different“不同的”；same“相同的”；amazing“令人惊奇的”；terrible“糟糕的”，不符合两者对立的文意，故排除。
18．句意：有一天，富爸爸带我去了银行。
后文“He showed me his bank accounts”说明他展示了银行账户，地点对应银行，因此选bank“银行”。
19．句意：他给我看他的银行账户，讲解他如何打理自己的钱财。
后文“I don’t work for money. Money works for me”体现他懂得管理资金，因此选managed“管理、打理”。
20．句意：但我问：“但你怎么知道该怎么打理你的钱？”
对话是作者向富爸爸提问，主语是“you”，所以对应“你的”钱，因此选your “你的”。
21．句意：他回答：“通过教育。”
此处是回答上文的“ how do you know what to do with...”，且后文“It’s important to learn about money and how it works”说明学习理财知识是途径，through表示通过某种方式，因此选Through。
22．句意：富爸爸还谈起了资产和负债的区别。
后文“He explained that most people think they are buying assets...they buy liabilities, ...with a mortgage or an expensive car.”完整解释两者的不同概念，所以是在“谈论”区别，因此选talked about“谈论”。
23．句意：他解释说，大多数人在购买负债时认为他们是在购买资产。
后文“they buy liabilities”是“most people think they are buying assets”的时间状语，表示“在购买负债时”，用when“当……时”引导时间状语从句。
24．句意：比如背负房贷的大房子或是昂贵的汽车。
with a mortgage表示“背负房贷”，对应的物品是房子，因此选house “房子”；room“房间”；space“空间”；family“家庭”，无法搭配房贷，故排除。
25．句意：那么，我该做些什么才能实现经济独立？
问句中do缺少宾语，what可以充当do的宾语，因此选what“什么”；how“如何”；which“哪一个”；why“为什么”，语法不成立，故排除。
26．句意：从小额事物起步，投资那些你了解且认可的东西。
后文“Over time”体现循序渐进，从小规模开始积累，因此选small “小的”；quick“迅速的”；fast“快的”；big“大的”，不符合逐步投资的逻辑，故排除。
27．句意：久而久之，你的资产会不断增值，你就能过上想要的生活。
根据“your assets...you’ll be able to live the life you want”可知，“过上自己想要的生活”的前提应是“资产增值”，因此选grow“增长、增值”。
28．句意：富爸爸的这番话给我留下了深刻印象。
前文全部是富爸爸传授的理财言论，因此选words“话语”。
29．句意：我意识到金钱不只是用来消费或者储蓄的东西。
spend 与save 是人们对待金钱的两种基础行为，因此选save“储蓄”；play“玩耍”；cut“切割”；make“赚取”，无法和spend 形成对应并列关系，故排除。
30．句意：它是能帮我实现梦想的工具。
前文“live the life you want”和“achieve”对应人生理想、梦想，因此选dreams“梦想”。
31．B 32．C 33．D 34．A 35．C
【导语】本文介绍人工智能能够帮助孩子和家庭轻松有趣地省钱，并从四个方面列举 AI 省钱的不同方式。
【解析】31．根据原文梳理AI提供帮助的4个方面：①在家开展特色活动；②按照预算规划餐食；③搜寻性价比高的商品；④教孩子规划金钱，一共4个例子
32．根据原文第三段“Shopping for the best deals is another way AI can save money…AI can find the best one which is not expensive.”，划线短语含义是选购价格合适的商品。选项C符合题意。
33．根据原文第四段“If you get 10 as pocket money, AI may advise saving 3, spending 5, and keeping 2 for surprises.”，占比：Spending（50%）＞Saving（30%）＞Keeping（20%），对应柱状图D。
34．根据原文第四段“Finally, AI can also teach kids how to plan their money.”，可知作者认同AI可以教孩子管理零花钱。
35．根据文章首尾段“AI, or Artificial Intelligence , can make saving money easy and fun for kids and families.”，“AI makes saving money easy and fun, helping kids and families choose wisely every day.”，可知全文围绕AI如何帮助孩子与家庭省钱展开。
36．C 37．D 38．D 39．B 40．B
【导语】本文展示了明星中学关于零花钱使用的调查结果：对比了Lisa和Tom的消费结构。
【解析】36．根据表格，Lisa的零花钱是“ 20/week”，Entertainment占比30%。每周娱乐花费为20×30%=6元。一个月通常按4周计算，所以每月花费为6×4=24元。
37．根据表格，Lisa的零花钱是“ 20/week”，Savings占比25%，即每周存20×25%=5元。文中提到她已存了100元，所以需要的时间为100÷5=20周。
38．观察表格中Tom的数据行，Books占比15%，Entertainment占比10%，Snacks/Drinks占比30%，Savings占比45%。其中45%占比最大，即Savings。
39．根据Tom的自述段落，他提到“I often use the money to buy storybooks, go to the cinema with my classmates, or buy snacks when I hang out with friends. I also buy gifts for my grandparents on their birthdays”，说明Tom用零花钱买故事书、和同学看电影、买零食、给祖父母买礼物，他没有用零花钱买新电脑。
40．文章内容是关于中学生零花钱使用情况的调查及学生感想，属于校园生活话题，最可能出现在学校杂志（school magazine）上，而非科学报告、旅游指南或烹饪书。
41．C 42．B 43．D 44．A 45．B
【导语】本文是一篇说明文，就如何帮助孩子形成良好的金钱管理习惯给出了几条生活建议，包括制定预算、分清优先事项、利用银行利息以及与父母交流体验消费等。
【解析】41．由第三段“if you plan on buying a new smartphone and a cool smartwatch”可知，文中实际举例为买智能手机和智能手表，并建议为此存钱，对应“set a goal of saving money”。
42．由第三段“The next time your friends invite you to go to KTV with them, you might as well decide to pass.”可知，前文提到若计划购买手机和智能手表，就需要存钱，因此朋友邀请去KTV时，为了存钱应该拒绝邀请，故“pass”在此意为“拒绝邀请”，即“say no to the invitation”。
43．由第四段“the big banks usually have an interest rate (利率) of 1.5 percent for a year”可知，银行年利率为1.5%，一年利息为1000 × 1.5% = 15元，本息合计1000 + 15 = 1015元。
44．第五段中④处前一句是问句“Do you know what a bank account is ”。插入句“If not, talk with our parents.”正好是对该问句的回答和建议，逻辑连贯，故放在④处。
45．全文围绕制定花费计划、预算管理展开，第二段提出“have a budget”，第三段建议“save some money”，因此B项“孩子应该有花钱计划”最符合作者观点。
46．wisely
【解析】句意：如果你明智地使用你的钱，你可以做更多有意义的事。这里需要用副词来修饰动词use，wise的副词形式是wisely。
47．carelessly
【解析】句意：他乱花零花钱，所以不得不向朋友借钱。空格处缺少副词修饰动词spent，careless的副词形式是carelessly，意为“粗心地、草率地”。
48．decision
【解析】句意：我们需要就如何明智地使用零花钱做出决定。空格前有不定冠词a，需使用名词。decide是动词，名词形式为decision。固定短语make a decision表示“做决定”。
49．managing
【解析】句意：我姐姐/妹妹很擅长管理自己的日常开销。固定搭配：be good at doing sth.表示“擅长做某事”，at是介词，后面用动名词形式，故填managing。
50．importance
【解析】句意：在与老师交谈后，他理解了明智理财的重要性。此处作动词understood的宾语，且被定冠词the修饰，需用名词形式。“important”是形容词，其名词形式为importance，意为“重要性”，此处指明智理财的重要性。
51．charity
【解析】句意：这家慈善机构每年帮助成千上万无家可归的人。charity“慈善机构”，根据谓语“helps”可知空处应填单数名词作主语。应填charity。
52．afford
【解析】句意：我买不起那块昂贵的手表。它超出了我的预算。afford“买得起”，动词，情态动词can’t后用动词原形。
53．paid
【解析】句意：他昨天花了二十美元买了一个篮球。pay“支付”，“yesterday”提示是一般过去时，动词用过去式paid。
54．donate
【解析】句意：我们应该向农村的孩子捐赠一些书。donate“捐赠”，情态动词后用动词原形。
55．necessary
【解析】句意：学会如何理财对我们来说是有必要的。necessary“必要的”，在句中作表语。
56．
surprise
【解析】原句中“惊喜”是关键词，空格前有不定冠词a，后面需要填入可数名词单数，表示“惊喜”的名词是surprise，give sb. a surprise意为“给某人一个惊喜”，符合句子语境。故填surprise。
57．
manage your money well
【解析】原句中“好好管理自己的钱财”是关键词，对应动词短语为“manage your money well”，其中“manage”意为“管理”，“well”意为“好好地”，是副词修饰“manage”，“can”后接动词原形。
58．
protect
【解析】原句中“保护”是关键词，表示“保护”的动词是protect。分析句子结构可知，本句时态为一般将来时，情态动词will后需接动词原形。
59．spend on
【解析】原句中“把……花在……上”是关键词，对应的英语固定搭配是spend...on...，句中有关键词usually，表明句子时态为一般现在时，主语是I（第一人称），谓语动词spend使用原形。
60．a kind of protect from
【解析】原句中“一种”和“保护……免受……”是关键词，“一种”对应的英文为a kind of；“保护……免受……”对应的英文为protect...from。本句时态为一般现在时，主语为“they”，谓语动词用原形。
61．like 62．children 63．well 64．to drink 65．their 66．interested 67．and 68．gives 69．making 70．a
【导语】本文主要讲述海伦、安迪和雅各布三人利用零花钱合伙摆摊卖果汁，按出资份额分配收益的小故事
【解析】61．句意：你常常在生日、春节这类特殊日子收到红包，对吗？ 后文“your birthday or the Spring Festival”是对前文“special days”的举例，介词like意为 “像，比如”，用于列举事例，用like。
62．句意：让我们读一个关于一些孩子如何打理零花钱的故事。 限定词some后接可数名词复数，child的复数形式是children。
63．句意：一年夏天，爸爸给海伦和她弟弟安迪每人20美元，作为在校表现优异的奖励。 修饰动词doing需要用副词，形容词good的副词形式是well，“do well in”是固定搭配，表示“在……做得好”，用well。
64．句意：天太热了！我相信所有人都想喝点果汁。 固定搭配“would like to do sth.”表示“想要做某事”，不定式作宾语，故填to drink。
65．句意：在路上，他们遇见了他们的朋友雅各布。 空格后有名词friend，需要形容词性物主代词修饰名词，主格they对应的形容词性物主代词是their。
66．句意：当他们把计划告诉他时，他对这个计划很感兴趣。 固定搭配“be interested in”表示“对……感兴趣”，用interested。
67．句意：然后榨了很多果汁，在家装满了100个杯子。 “prepare lots of juice”和“fill 100 cups with it”是先后发生的并列动作，用并列连词and连接两个谓语。
68．句意：因为海伦拿出了20美元，她拥有果汁摊40份份额。 全文主体时态为一般现在时，主语Helen是第三人称单数，谓语动词使用三单形式，give的三单是gives。
69．句意：他们约定赚到钱之后，按照各自的份额分配收益。 介词after后接动词时，动词要变为动名词形式，make的动名词是making。
70．句意：然后他们立了一块告示牌，上面写着：美味果汁仅售1.25美元！ board是可数名词单数，此处表泛指一块告示牌，board是以辅音音素开头的单词，用不定冠词a。
71．例文
How to use pocket money wisely
I get my pocket money from my parents every month by helping with housework like cleaning the room and taking out the trash. I usually save half of it in my bank account, and spend the other half on books and stationery. Sometimes I also buy small gifts for my friends on their birthdays.
I think we should make a plan before spending our pocket money. Don't buy useless things like expensive snacks or toys. Instead, we can save money for something important or donate a little to charity. Learning to use money wisely can help us develop good habits for the future.
【写作步骤】【第一步：审题立意】
确定文体：本文是一篇征文投稿，以一般现在时为主；
明确要点：如何获得零花钱、通常如何处理零花钱、给同学的建议；
确定人称：第一人称（I）和第二人称（you/we）为主；
注意事项：注意不要遗漏要点，可适当添加细节，并突出写作重点，词数100左右。
【第二步：构思布局】
两段式结构
开头部分，开门见山引出主题，说明自己如何获得零花钱；
主体部分，说明自己通常如何处理零花钱（储蓄、消费等具体用途）；
结尾部分，给同学们提出关于明智用钱的建议，总结收尾。
【第三步：要点展开】
要点一：如何获得零花钱：get my pocket money from my parents every month/by helping with housework like cleaning the room and taking out the trash/get money as a reward for good grades/receive pocket money during festivals
要点二：通常如何处理：save half of it in my bank account/spend the other half on books and stationery/sometimes buy small gifts for my friends on their birthdays/use it to buy snacks/put some in a piggy bank/keep a record of my spending
要点三：给同学的建议：make a plan before spending our pocket money/don’t buy useless things like expensive snacks or toys/save money for something important/donate a little to charity/think twice before buying/compare prices before shopping
要点四：总结意义：Learning to use money wisely can help us develop good habits for the future/makes us more responsible/helps us understand the value of money/prepares us for adult life
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21世纪教育网(www.21cnjy.com)

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