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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学年九年级英语上册单元全真模拟培优卷外研版（新教材）
Unit 2 On the money
注意事项：
1．本试卷共七大题，满分120分（不含听力口语30分），考试用时100分钟；
2．答题前，考生务必将自己的姓名、考点名称、考场号、座位号用0.5毫米黑色墨水签字笔填写在相对应的位置上，并认真核对条形码上的准考号、姓名是否与本人的相符合；
3．答选择题必须用2B铅笔把对应题目的答案标号涂黑，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的位置上，不在答题区域内的答案一律无效，不得用其他笔答题。
第一部分 完形填空（共10小题；每小题1分，满分10分）
Last month, I got my first regular pocket money from my parents. I felt excited and decided to 1 it wisely. At first, I wanted to spend all of it on video games, but my friend Tom told me to 2 some for future goals. He said, “ 3 ! Let’s make a budget plan together.” I agreed and we started to list my daily expenses. We wrote down that I could spend 25 yuan on snacks, 20 yuan on books, and the remaining 15 yuan should be 4 . Then we talked about our 5 ways to earn extra money. Tom told me he makes money by 6 walk dogs for his neighbours on weekends. Later, we went to the 7 and opened a savings account for me. The worker there was kind and said, “Welcome to 8 bank. Your savings will grow gradually.” I felt really proud. I think learning to manage money will make my life 9 and meaningful, and I can become more responsible 10 now on.
1．A．use B．give C．take D．send
2．A．spend B．save C．borrow D．lend
3．A．Goodbye B．Sorry C．Hello D．Come on
4．A．saved B．spent C．borrowed D．lent
5．A．favourite B．nice C．good D．different
6．A．help B．helping C．to help D．helped
7．A．school B．park C．bank D．shop
8．A．your B．our C．his D．her
9．A．boring B．difficult C．better D．easy
10．A．from B．to C．for D．with
第二部分 阅读理解（共20小题；每小题2分，满分40分）
请认真阅读下面短文，从短文后各题所给的A、B、C、D四个选项中，选出最佳选项。
A
Now more teenagers start to learn about money management. Here are some students’ ideas about pocket money plans.
Li Hua, 14
I divide my pocket money into two parts. 70% for saving and 30% for daily spending. I write down every cost in my notebook. Once I wanted a new game, but I found it was not necessary, so I gave up. Saving helps me think twice before buying things.
Wang Yu, 15
Some of my classmates spend all their pocket money on online snacks. I choose to spend part of my money on books. Reading brings me more knowledge. I also set aside a little money for charity. Last month I donated 50 yuan to children in poor areas.
Zhang Kai, 16
My parents give me pocket money after I finish housework. In this way, I know money does not come easily. I never buy expensive clothes just to follow fashion. If I really want something costly, I will keep saving month by month.
11．What percentage of Li Hua’s pocket money is for saving
A．30% B．50% C．70% D．100%
12．Wang Yu spends part of his pocket money on ________.
A．games B．books C．clothes D．toys
13．How does Zhang Kai get his pocket money
A．By doing part time jobs. B．By getting good grades.
C．By finishing housework. D．By receiving gifts.
14．Which of the following is TRUE
A．Li Hua never buys anything with his pocket money.
B．Wang Yu never gives his money to charity.
C．Zhang Kai buys expensive clothes to keep fashionable.
D．All three students try to use their money in a wise way.
15．What is the main idea of the passage
A．How teenagers manage their pocket money.
B．How teenagers make money by themselves.
C．Why teenagers need more pocket money.
D．Where teenagers spend their holiday time.
B
Many people do not realize the importance of money education for teenagers. Most teenagers get pocket money from parents, but few are taught how to use it properly.
Money education does not mean telling kids only to save money. It includes three main parts: saving, spending and sharing. First, saving teaches patience. Teenagers learn that they cannot get everything at once. Second, spending needs careful thinking. Before buying, they should ask themselves: Do I really need it Third, sharing means using money to help others, such as donating money to public welfare.
Parents play the most important role in money education. Instead of simply giving or refusing money, parents can make a money plan together with their children. They can also let kids take part in simple family shopping, so they can learn the price of daily goods.
Money education is not about becoming rich. It helps teenagers build right values. When they grow up, they will make better decisions about money and live a steady life.
16．What does money education include
A．Working, saving and travelling. B．Saving, spending and sharing.
C．Studying, working and giving. D．Planning, buying and wasting.
17．Why should teenagers learn to save money
A．Because they can become rich quickly.
B．Because they will never spend money again.
C．Because it teaches them to be patient.
D．Because their parents ask them to do so.
18．What can parents do to give money education
A．Give as much pocket money as possible.
B．Refuse to give any pocket money.
C．Make money plans with their kids.
D．Buy everything their children want.
19．The underlined word “values” in the last paragraph means ________ in Chinese.
A．价值观 B．爱好 C．习惯 D．梦想
20．What is the writer’s opinion
A．Teenagers should not have pocket money.
B．Money education helps teenagers form correct ideas about money.
C．Only rich families need money education.
D．Saving money is the only lesson of money education.
C
In different countries, teenagers have different habits of managing pocket money. In the US, many teenagers earn pocket money through part-time jobs like babysitting, mowing lawns or delivering newspapers. They usually save half of their earnings and spend the other half on things they love, such as comic books or sports equipment. In Japan, parents focus on teaching children the importance of saving from a young age. Most Japanese teenagers have their own bank accounts and save most of their pocket money for education or travel. In China, more and more teenagers start learning about financial management. They make budget plans and try not to overspend on unnecessary items. Some even use their saved money to help people in need, like donating to charity.
21．How do many US teenagers get pocket money
A．Only from their parents. B．By doing part-time jobs.
C．By winning competitions. D．By selling old things.
22．What do many US teenagers do with half of their earnings
A．Save it for education. B．Give it to charity.
C．Spend it on things they like. D．Lend it to friends.
23．What do Japanese parents often teach their children
A．How to spend money freely. B．How to save money.
C．How to borrow money from others. D．How to buy expensive items.
24．What do some Chinese teenagers do with their saved money
A．Buy expensive toys. B．Help people in need.
C．Travel abroad immediately. D．Buy video games.
25．Which of the following is TRUE
A．Teenagers around the world manage money in the same way.
B．Japanese teenagers don’t have their own bank accounts.
C．Chinese teenagers never make budget plans.
D．Learning money management is a valuable skill for teenagers.
D
People often say “Money makes the world go round.” It is true that money plays an important role in our lives. We need money for food, clothes, education, and many other things. However, is money everything
A recent study shows that too much focus on money can make people unhappy. Those who only care about becoming rich often feel stressed and lonely. They may have nice cars and big houses, but they don’t have time for family or friends.
On the other hand, some people don’t earn much, but they live happy lives. They spend time with people they love, help others, and enjoy simple pleasures. As the saying goes, “The best things in life are free.”
This doesn’t mean we should not care about money. It means we should use it wisely. Money is a tool, not a goal. It can buy a house, but not a home. It can buy a clock, but not time. It can buy a book, but not knowledge.
So, work hard to earn money, but never let it control your life. Remember: health, love, and time are worth much more than gold.
26．What does the recent study show
A．Rich people are always happy. B．Money is the most important thing.
C．Focusing too much on money may cause unhappiness. D．Poor people are always lonely.
27．What does the writer think of people who don’t earn much but live happily
A．They are foolish. B．They understand the true value of life.
C．They don’t need money at all. D．They should work harder.
28．What does the underlined sentence “The best things in life are free” mean
A．We don’t need to pay for good things. B．The most valuable things cannot be bought with money.
C．Free things are always the best. D．We should not spend money.
29．What is the writer’s advice on money
A．We should save all our money. B．We should not try to earn money.
C．We should use money wisely and not let it control us. D．We should give away all our money.
30．What is the best title for the passage
A．How to Make Money B．Money and Happiness
C．Health and Love D．Is Money Everything
第三部分 信息还原（共5小题；每小题1分，满分5分）
请认真阅读下面短文，从短文后的选项中选出能填入空白处的最佳选项。选项中有两项为多余选项。
Why Do We Donate Money to Help Others
Have you ever wondered why people donate money to help others It turns out that there are many reasons behind this generous act. 31
Some people donate because they want to make a difference. 32 They feel that they have been lucky in life and want to share that good fortune with others.
Other people donate because they have a personal connection to a cause. 33 Or perhaps they have seen the suffering of others and feel moved to help.
Research also shows that donating makes people feel good. 34 This “helper’s high” can reduce stress and improve overall well-being.
Finally, some people donate because they want to set a good example for others. 35 By donating, they hope to inspire others to do the same.
Whatever the reason, donating money is a powerful way to help others and make the world a better place.
A．They believe that even small contributions can have a big impact.
B．They might have a friend or family member who has been helped by a charity.
C．It is important to save money for yourself before helping others.
D．When we give, our brains release chemicals that make us feel happy.
E．They want to show their children or friends the importance of giving.
F．People donate money for different reasons.
G．The more money you donate, the more respect you will get.
第四部分 词汇运用（共20小题；每小题1分，满分20分）
第一节 根据下列句子所给汉语注释或首字母，写出空缺处各单词的正确形式。每空限填一词。
36．It’s ________ (公平的) to share costs together.
37．She gives money to ________ (慈善机构) every year.
38．Fresh water is ________ (必需的) for humans.
39．This kind of ________ (商品) is popular now.
40．Think ________ (理智地)before you buy.
41．A b________ is a detailed plan that helps balance income and expenses.
42．I’m e________ to learn how to earn money by doing part-time jobs.
43．My f________ way to spend money is buying science fiction books.
44．Many people d________ money to help poor children every year.
45．You need to learn how to m________ your money wisely.
第五部分 短文填空（共10小题；每小题1分，满分10分）
从方框中选择适当的单词填入空白处，每词限用一次
money wise spend value friends need manage without turn up quotes
Money plays an important role in our daily lives. However, what is the 46 way to deal with it There are many famous 47 about money from different cultures. Li Bai once said, “A thousand gold coins spent, more will 48 again.” This means that money spent wisely may come back.
We all need to learn how to 49 our money. Some people 50 too much on things they don’t really need. Others save every coin and never enjoy life. The 51 is to find a balance. Remember, money can buy many things, but it cannot buy true 52 .
Sometimes we might find ourselves in 53 . At those times, good friends can help us more than 54 . As the saying goes, “We cannot live 55 money.” But we also cannot live without love and friendship.
阅读表达（共5小题；每小题2分，满分10分）
阅读下列材料，在空白处填入适当的内容（每空一词）或括号内单词的适当形式。
I still remember the day when I learned the importance of managing money. When I was ten years old, my parents gave me 20 yuan as pocket money. I was so happy and 56 (decide) to buy all my favorite snacks. But by the end of the week, I had no money left, and I felt upset.
My mom noticed this and talked to me. She said, “Money is not easy 57 (earn). You need to learn how to save and spend it wisely.” She then helped me make a small 58 (budget). Every week, I could spend 10 yuan on snacks, and the other 10 yuan 59 (must) be saved.
At first, it was difficult for me to stick to the budget. But after a few weeks, I got used to it. I even started to save more money. After six months, I 60 (save) over 200 yuan. I used the money to buy a new football, which I had wanted for a long time. I felt so 61 (pride) of myself.
Now, I am good at 62 (manage) my money. I always make a budget before I go shopping. I also donate part of my savings to charities every year. I have learned that money can not only bring me happiness, but also help 63 (other) in need.
Last week, I taught my little brother how to make a budget. He was excited to learn, and now he is saving money for a new toy car. I believe that 64 (learn) to manage money early is a very important skill 65 everyone.
阅读表达（共5小题；每小题2分，满分10分）
阅读短文，根据短文内容回答下列问题。
A good money habit is very important for every teenager. Here is some practical advice for you.
First, keep a money diary. Write down everything you spend money on. After one month, look through your diary. You will find where your money goes and see your waste clearly.
Second, set short term saving goals. For example, you can save for a new dictionary or a sports watch. When you have a clear goal, it is easier for you to stop unnecessary buying.
Third, think twice before you pay. Ask yourself two simple questions: Do I really need it Can I live without it If the answer is no, give up buying it.
Fourth, learn to share. You can use some of your money to help people in need. It will bring you more happiness than buying toys or snacks.
Keep these small rules, and you will learn to manage your money well.
66．What is the first piece of advice
67．What can you find after looking through your one month money diary
68．Why should you set short term saving goals
69．How many questions should you ask yourself before buying something
70．What will bring you more happiness according to the passage
书面表达（共1题；满分25分）
71．请以How to Spend Pocket Money Wisely为题，根据以下提示介绍你的理财观念。
1. 过去：乱花零花钱在零食、玩具上；
2. 现在：制定预算、储蓄、捐赠；
3. 你的感受与建议。
提示词：pocket money, budget, save, donate, wisely
注意:
1. 表达中必须包含所给要点并进行适当发挥；
2. 词数：100词左右；
3. 文中不得出现真实的姓名、校名和地名等信息。
How to Spend 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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21世纪教育网(www.21cnjy.com)
参考答案及试题解析
1．A 2．B 3．D 4．A 5．D 6．B 7．C 8．B 9．C 10．A
【导语】本文讲述“我”拿到第一份零花钱后，在朋友Tom的建议下学会规划、储蓄金钱的故事。
【解析】1．句意：我感到很兴奋，决定明智地使用它。
结合“I got my first regular pocket money…”可知，得到零花钱之后使用零花钱，use it wisely意为“明智地使用零花钱”。give“给予”，take“拿走”，send“发送”均不符合语境。
2．句意：一开始，我想把所有钱都花在电子游戏上，但我的朋友Tom告诉我要为未来的目标存一部分钱。
根据“At first, I wanted to spend all of it on video games, but…”可知，前后分句意思转折，“我”想花钱，但是朋友建议存钱，save some for future goals表示“为未来目标存一些钱”。spend“花费”，borrow“借入”，lend“借出”均和后文存钱做预算的语境不符。
3．句意：他说：“来吧！让我们一起做一个预算计划。”
Come on用于鼓励、提议，意为“来吧”。Goodbye“再见”，Sorry“抱歉”，Hello“你好”都不符合此处邀约一起制定计划的语境。
4．句意：我们写下我可以花25元买零食，20元买书，剩下的15元应当被存起来。
根据“and the remaining 15 yuan should be”以及下文去银行开储蓄账户可知，此处指存钱，be saved表示“被储存”。spent“花费”，borrowed“借入”，lent“借出”与存钱的文意不符。
5．句意：然后我们谈论了我们赚取额外收入的不同方式。
结合“Tom told me he makes money by…”可知，此处介绍赚钱的不同方法，different ways表示“不同的方式”。favourite“最喜欢的”，nice“美好的”，good“好的”不能体现多种类型的含义。
6．句意：Tom告诉我他周末通过帮邻居遛狗来赚钱。
介词by后面需要接动名词doing，by doing sth.“通过做某事”，因此用helping。help原形、to help不定式、helped过去式均不能放在介词by后。
7．句意：后来，我们去银行，并为我开了一个储蓄账户。
根据“opened a savings account”可知，地点是银行，bank符合语境。school“学校”，park“公园”，shop“商店”都不能办理账户。
8．句意：那里的工作人员很友善，说道：“欢迎来到我们银行。你的存款会慢慢变多。”
此处是以银行工作人员的口吻进行介绍，our bank表示“我们的银行”。your“你的”，his“他的”，her“她的”人称不符合说话人身份。
9．句意：我认为学会理财会让我的生活变得更好且富有意义，而且我可以变得更加有责任感。
and连接并列形容词，better表示“更好的”，与meaningful积极含义对应。boring“无聊的”，difficult“困难的”是负面含义，easy“容易的”语义不通顺。
10．句意：我认为学会理财会让我的生活变得更好且富有意义，而且从现在起我可以变得更加有责任感。
from now on是固定搭配，意为“从现在起”。to、for、with均不能构成该短语。
11．C 12．B 13．C 14．D 15．A
【导语】本文主要介绍了三名学生各自对于零花钱的规划与管理方式。
【解析】11．根据第二段中“I divide my pocket money into two parts. 70% for saving and 30% for daily spending.”可知，李华拿出百分之七十的零花钱用来储蓄。
12．根据第三段中“I choose to spend part of my money on books.”可知，王宇会把一部分零花钱花费在书籍上面。
13．根据第四段中“My parents give me pocket money after I finish housework.”可知，张凯依靠完成家务来赚取零花钱。
14．通读三名学生的理财方式，李华懂得存钱、理性消费；王宇花钱买书并且做慈善；张凯明白钱财来之不易、按需储蓄，由此可知三名学生全都在理智地使用零花钱，对应D选项。
15．根据第一段中“Here are some students’ ideas about pocket money plans.”以及后文三位同学的用钱方案可知，整篇文章主要讲述青少年如何管理自己的零花钱。
16．B 17．C 18．C 19．A 20．B
【导语】本文是一篇说明文，主要介绍青少年理财教育包含的内容、作用以及家长开展理财教育的方式。
【解析】16．根据第二段中“It includes three main parts: saving, spending and sharing.”可知，理财教育包含储蓄、花销和分享三部分。
17．根据第二段中“First, saving teaches patience.”可知，存钱可以教会青少年拥有耐心，这就是学习存钱的原因。
18．根据第三段中“Instead of simply giving or refusing money, parents can make a money plan together with their children.”可知，家长可以和孩子一同制定金钱规划，以此开展理财教育。
19．根据最后一段中“When they grow up, they will make better decisions about money and live a steady life.”可知，金钱教育帮助青少年建立正确对待金钱的思想观念，单词“values”在此处的含义为“价值观”。
20．根据最后一段中“Money education is not about becoming rich. It helps teenagers build right values.”可知，作者认为理财教育能够帮助青少年树立正确的金钱观念。
21．B 22．C 23．B 24．B 25．D
【导语】本文介绍了不同国家的青少年有着不同的零花钱管理习惯，分别说明了美国、日本、中国三国青少年获取、支配零花钱的不同方式与相关特点。
【解析】21．根据“In the US, many teenagers earn pocket money through part-time jobs like babysitting, mowing lawns or delivering newspapers.”可知很多美国青少年通过做兼职赚取零花钱，故选B。
22．根据“They usually save half of their earnings and spend the other half on things they love, such as comic books or sports equipment.”可知美国青少年会把自己赚的钱的一半花在自己喜欢的物品上，故选C。
23．根据“In Japan, parents focus on teaching children the importance of saving from a young age.”可知日本家长经常教导孩子如何存钱，让孩子明白储蓄的重要性，故选B。
24．根据“Some even use their saved money to help people in need, like donating to charity.”可知部分中国青少年会用自己存下的钱帮助有需要的人，故选B。
25．通读全文可知不同国家青少年理财习惯各有不同，日本大多青少年都有自己的银行账户，中国不少青少年会制定预算计划，学会理财对青少年而言是很有价值的技能，该表述符合文意，其余选项均与原文内容相悖，故选D。
26．C 27．B 28．B 29．C 30．D
【导语】本文是一篇议论文，围绕“金钱是一切吗”展开论述，阐述了金钱的作用，同时指出过度看重金钱会使人不快乐，健康、爱与时间远比金钱珍贵。
【解析】26．原文第二段提到“A recent study shows that too much focus on money can make people unhappy.”，可知过度关注金钱可能带来不快乐。
27．第三段作者举例收入不高却生活幸福的人，他们陪伴爱人、享受简单美好“they live happy lives. They spend time with people they love, help others, and enjoy simple pleasures.”，最后引用谚语“The best things in life are free. ”，意在说明这类人领悟了生活真正的价值；文中无任何语句体现作者认为他们愚蠢、不需要钱或应当更努力赚钱。
28．结合上下文，人生中最珍贵的事物是亲情、陪伴、时光等，这些无法用金钱买到，并非字面意义上 “不用花钱买好物” 或 “免费物品最好”。
29．原文第四段提出要理智用钱，尾段呼吁努力赚钱但不要被金钱掌控，其余选项 “存钱、不赚钱、捐掉所有钱” 均与原文不符。
30．全文围绕“金钱是一切吗”展开讨论，是文章核心主题，因此“Is Money Everything ”最适合作标题。
31．F 32．A 33．B 34．D 35．E
【导语】本文是一篇说明文。文章主要介绍了人们捐款帮助他人的多种原因，包括想要做出改变、个人联系、感觉良好以及树立榜样等。
【解析】31．前文提到“It turns out that there are many reasons behind this generous act.”事实证明，这种慷慨行为背后有很多原因，此处介绍捐钱原因。F项“人们为了不同原因捐钱。”符合语境。
32．前文提到“Some people donate because they want to make a difference.”有些人捐款是因为他们想要做出改变。可推知此处应解释如何通过捐款做出改变。A项“他们认为甚至小的捐献也能有很大的影响。”与前文语境相呼应。
33．前文提到“Other people donate because they have a personal connection to a cause.”其他人捐款是因为他们与某项事业有个人联系。可推知此处应举例说明个人联系。B项“他们可能有被慈善帮助过的朋友或家人。”与前文的逻辑关系相呼应。
34．前文提到“Research also shows that donating makes people feel good.”研究还表明，捐款让人感觉良好。可推知此处应解释为何感觉良好。D项“当我们付出时，我们的大脑释放出让我们感到高兴的化学物质。”与前文语境相符。
35．前文提到“Finally, some people donate because they want to set a good example for others.”最后，有些人捐款是因为他们想为他人树立好榜样。可推知此处应说明如何树立榜样。E项“他们想要向他们的孩子或朋友展示给予的重要性。”与前文逻辑相符。
36．fair
【解析】句意：共同分摊费用是公平的。本句句型为It’s + adj. + to do sth.；空格在is后，需用形容词作表语； 中文“公平的”对应英文单词fair。
37．charity
【解析】句意：她每年都会向慈善机构捐款。介词to后面需要接名词作宾语，词义“慈善机构”对应的英文名词为charity，符合介词后接名词的语法规则与句子语义要求。
38．necessary
【解析】句意：淡水对人类来说是必需的。根据汉语提示可知，necessary“必需的”，形容词作表语，故填necessary。
39．product
【解析】句意：这种商品现在很受欢迎。“商品”对应的英文为product，是可数名词；this kind of后接可数名词的单数形式，表示“这种……”，故填product。
40．wisely
【解析】句意：购物前要理智地思考。根据括号中文提示“理智地”，同时空格修饰动词think，此处需要填入副词，在句中作状语。wisely是副词，意为“明智地、理智地”，符合语境，故填wisely。
41．budget/udget
【解析】句意：预算是一份有助于平衡收入和支出的详细计划。空格前有不定冠词A，说明此处为单数可数名词，作句子的主语；根据句意“平衡收支的详细计划”及首字母b，可知，此处指预算，应填budget“预算”。
42．excited/xcited
【解析】句意：我很兴奋能通过兼职工作学习如何赚钱。固定搭配be excited to do sth表示做某事感到兴奋，此处用形容词excited描述人的主观心情，符合句子逻辑及语境。
43．favourite/avourite/favorite/avorite
【解析】句意：我最喜欢的花钱方式就是买科幻书。结合首字母并根据“My...way”，这里应该说的是最喜欢的花钱方式，用形容词favourit/favorite，意为“最喜欢的”。
44．donate/onate
【解析】句意：每年很多人捐钱来帮助贫困儿童。结合首字母d提示，对应“捐赠”的动词是donate。句中every year表经常性动作，要用一般现在时，主语Many people是复数，谓语动词用原形即可，故填donate。
45．manage/anage
【解析】句意：你需要学会理性理财。根据“You need to learn how to...your money wisely.”可知，此处指理性理财。manage意为“管理，打理”，“how to+动词原形”意为“如何做某事”，此处需用动词原形。故填manage。
46．wise 47．quotes 48．turn up 49．manage 50．spend 51．value 52．friends 53．need 54．money 55．without
【导语】本文介绍了理性理财的方法，阐明金钱的作用有限，真挚的友情与爱同样不可或缺。
【解析】46．句意：然而，处理金钱的明智方式是什么？此处需用形容词修饰名词“way”，句中的“it”指代前文提到的“Money”，结合备选词，可知此处表达“处理金钱的明智的方式”，wise意为“明智的”，符合语境。
47．句意：不同文化中有许多关于金钱的著名名言。此处需要一个名词，在句中作宾语。因为空前有many修饰，后接可数名词复数；结合后文引用李白关于金钱的句子可知，此处表示“名言”，quotes表示“引语、名言”，符合语境，所以选择quotes。故填quotes。
48．句意：花掉一千枚金币后，更多的钱还会再次出现。此处需要一个动词短语，在句中作谓语。因为空前有will，后接动词原形；结合“money spent wisely may come back”可知，此处表示“再次出现、回来”，turn up表示“出现”，符合语境，所以选择turn up。
49．句意：我们都需要学习如何管理我们的钱财。“how to”后接动词原形，根据空格后的“our money”及备选词，manage意为“管理”，符合理财语境。
50．句意：一些人在自己并非真正需要的物品上花费过多。根据“...too much on things”和备选词，可知此处为固定搭配“spend...on...”，意为“在……上花费……”。该句描述事实情况，用一般现在时，主语“Some people”为复数，谓语用动词原形，故填spend。
51．句意：关键在于找到平衡点。“The...is”可知，此处填名词单数或不可数名词作主语。根据“to find a balance”，而且前文提到两种极端的金钱使用方式，此处应指核心要义是找到收支平衡。备选词中，value意为“核心要义、价值所在”，不可数名词，符合语境。
52．句意：记住，金钱可以买到很多东西，但它买不到真挚的朋友。根据“but it cannot buy true...”以及备选词，friends符合友情无法用金钱换取的文意。“true”作定语修饰名词，并且此处泛指“朋友”，用名词复数形式。
53．句意：有时我们可能会身处困境。根据“find ourselves in...”和后文“At those times, good friends can help us...”，结合备选词，可知此处为固定短语in need，意为“在危难中，需要帮助时”，故选need。
54．句意：在那些时刻，好朋友比金钱更能帮助我们。“than”前后为对比对象，空格与“good friends”对应，作比较宾语。结合备选词，此处将朋友与钱进行对比，故填money。
55．句意：常言道：“我们无法脱离金钱生活。“live”为谓语动词，空格后接名词“money”，需要介词构成状语。结合备选词，without意为“没有”，和后文“cannot live without love and friendship”句式呼应。
56．decided 57．to earn 58．budget 59．must 60．had saved 61．proud 62．managing 63．others 64．learning 65．for
【导语】本文通过作者从十岁起学习管理零花钱的经历，说明了养成预算习惯和储蓄意识的重要性，并最终将这一技能传授给弟弟，体现了理财能力的实际价值。
【解析】56．句意：我非常开心并且决定买下所有我最爱的零食。“and”连接并列谓语，前文“was”为一般过去时，故此处也应用一般过去时，“decide”的过去式为decided。
57．句意：赚钱不容易。“easy”后接不定式作状语，构成“be+adj.+to do”结构，表示“做某事是……的”，故填to earn。
58．句意：她帮助我做了一个小预算。“make a budget”为固定搭配，意为“做预算”，“budget”为名词，直接填入即可。
59．句意：另外10元必须被存起来。情态动词“must”后接动词原形“be saved”，且“must”本身无形式变化，故填must。
60．句意：六个月后，我已经存了200多元。“After six months”提示动作发生在过去，且强调对当时的影响（用钱买了足球），需用过去完成时“had saved”表示“存了”。
61．句意：我为自己感到非常自豪。“feel proud of”为固定搭配，意为“为……感到自豪”，“pride”需转换为形容词proud。
62．句意：我现在擅长管理我的钱。“be good at”中“at”为介词，后接动名词作宾语，故“manage”需变为managing。
63．句意：我明白了金钱不仅可以给我带来幸福，帮助其他有需要的人。“other”作代词表示“其他人”时常用复数形式“others”。
64．句意：我相信尽早学会管理钱是一项非常重要的技能。空格处为宾语从句的主语，需用动名词短语“learning to manage money early”作主语，故填learning。
65．句意：对每个人来说都是一项非常重要的技能。“skill for sb.”表示“对某人来说的技能”，介词“for”引出对象。
66．Keep a money diary. 67．We can find where our money goes and see our waste clearly. 68．Because it is easier for us to stop unnecessary buying. 69．Two. 70．Using some of our money to help people in need.
【导语】本文围绕青少年的良好理财习惯展开，明确指出好的理财习惯对青少年十分重要，随后给出了四条实用的理财建议。
【解析】66．原文第二段：“First, keep a money diary.”提到第一条建议是记金钱日记。
67．原文第二段：“After one month, look through your diary. You will find where your money goes and see your waste clearly.”明确说明翻看一个月的金钱日记后，能清楚知道钱的去向以及自身的浪费情况。
68．原文第三段：“When you have a clear goal, it is easier for you to stop unnecessary buying.”提到设定短期储蓄目标是因为有明确目标后更容易停止非必要消费。
69．原文第四段：“Third, think twice before you pay. Ask yourself two simple questions”提到付款前要问自己两个简单问题。
70．原文第五段：“You can use some of your money to help people in need. It will bring you more happiness than buying toys or snacks.”指出把部分钱用来帮助有需要的人，会比买玩具零食带来更多快乐。
71．例文
How to Spend Pocket Money Wisely
When I was young, I spent all my pocket money on snacks and toys. I never saved any, often ran out before week ended.
Now I’ve learned to spend wisely. First, I make a budget weekly. I set aside part for savings, use some for stationery, and only spend a little on snacks. Sometimes I donate part to charities to help those in need.
I think it’s important for teens to manage money. It not only avoids waste but also teaches responsibility. I believe with good habits, pocket money can be more meaningful.
【解析】［第一步：审题立意］
确定文体：议论文，以一般过去时、一般现在时为主，涉及过去与现在的对比。
明确要点： 过去零花钱的消费情况；现在处理零花钱的方式；个人感受与建议。
确定人称：第一人称(I/my)
注意事项：不得透露真实姓名、校名和地名；用上提示词pocket money, budget, save, donate, wisely；100词左右。
［第二步：构思布局］
三段式结构：
开头段：介绍自己过去乱花零花钱的经历，引出话题。
主体段： 写现在合理处理零花钱的具体做法，包含制定预算、储蓄、捐赠三个要点。
结尾段：抒发个人感受，给出建议，升华主题。
［第三步：要点展开］
要点一：过去零花钱消费情况
例文表达：spent all my pocket money on snacks and toys；never saved any；often ran out before week ended
拓展词汇句型：used to spend much money on snacks and toys；hardly kept any money；my money was gone quickly
要点二：现在处理零花钱的做法
例文表达：make a budget weekly；set aside part for savings；donate part to charities to help those in need
拓展词汇句型：plan my budget every week；put some money aside to save；give away some money to help people in need
要点三：个人感受与建议
例文表达：I think it’s important for teens to manage money；avoids waste；teaches responsibility；pocket money can be more meaningful
拓展词汇句型：teenagers should learn to manage pocket money；good spending habits are helpful；we should spend money in a wise way
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