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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核心素养培优卷外研版（新教材）
Unit 2 On the money
本试卷共10页，满分120分，考试用时120分钟。
注意事项：
1．答卷前、考生务必将自己的姓名、准考证号填写在试卷和答题卡上，并将准考证号条形码粘贴在答题卡上指定位置。
2．选择题的作答：每小题选出答案后，用2B铅笔把答题卡上对应题目的答案标号涂黑。写在试卷、草稿纸和答题卡上的非答题区域均无效。
3．非选择题的作答：用黑色签字笔直接答在答题卡上对应的答题区域内，写在试卷、草稿纸和答题卡上的非答题区域均无效。
4．考试结束后，请将试卷和答题卡一并交回。
一、完形填空（共15小题，每小题1分，满分15分）
阅读下面的短文，从每题所给的A、B、C、D四个选项中选出最佳选项
Xiaoming, a 14-year-old student from Beijing, was always 1 about money. Every month, his parents gave him 200 yuan as pocket money. But he 2 spent it all within the first week. He didn’t know where the money went.
One day, his teacher told the class a 3 about dream tins. She explained 4 a person can save money by writing their dream on a tin and putting spare money into it. Xiaoming 5 the idea. He decided to try it.
First, he 6 a small box. Then he wrote “Travelling to Shanghai” on it. He started putting all his 7 coins into the box. At first, it was 8 . He often wanted to spend the coins on snacks. 9 he kept going. After six months, he opened the box and counted. He had 560 yuan!
Xiaoming was 10 . He realised that saving was not as hard as he thought. He also learned that it was 11 about the amount—it was about the 12 of saving regularly.
Now Xiaoming still uses dream tins. He has 13 for a new pair of shoes and 14 for a gift for his parents. He feels proud of himself because he can finally 15 his money wisely.
1．A．careful B．careless C．happy D．excited
2．A．never B．always C．sometimes D．hardly
3．A．story B．poem C．song D．joke
4．A．why B．where C．how D．when
5．A．refused B．disliked C．liked D．ignored
6．A．found B．lost C．broke D．sold
7．A．paper B．spare C．new D．old
8．A．easy B．fun C．difficult D．interesting
9．A．So B．Unless C．But D．Because
10．A．surprised B．worried C．bored D．angry
11．A．never B．not C．always D．often
12．A．habit B．dream C．way D．number
13．A．borrowed B．saved C．spent D．lent
14．A．another B．others C．other D．the other
15．A．borrow B．waste C．manage D．find
二、阅读理解（共20小题，每小题2分，满分40分）
第一节（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
Teenagers and Smart Spending
Nowadays, many teenagers get pocket money from their parents. A recent survey shows that about 70% of teenagers spend their money on snacks, games and online shopping. However, some teenagers are learning to manage their money wisely.
Wang Hao, a 14-year-old student from Hangzhou, is one of them. He gets 100 yuan as pocket money every week. Instead of spending it all at once, he divides it into three parts: 50 yuan for daily needs like pens and notebooks, 30 yuan for savings, and 20 yuan for fun things like snacks or small gifts.
“I write down every expense in a notebook,” Wang said. “It helps me know where my money goes. If I want to buy something expensive, I save money for it little by little.”
His classmate Li Mei also has a good way. She often compares prices before buying anything. “I can find the same thing at a lower price online,” she said. “Also, I never buy things just because they are on sale. I only buy what I really need.”
Their teacher, Mr. Zhang, is happy to see his students learning money management. “Managing money is an important life skill,” he said. “It helps teenagers become responsible and prepare for their future.”
16．How does Wang Hao divide his pocket money
A．50 yuan for savings, 30 yuan for daily needs, 20 yuan for fun.
B．50 yuan for daily needs, 30 yuan for savings, 20 yuan for fun.
C．50 yuan for fun, 30 yuan for savings, 20 yuan for daily needs.
D．50 yuan for daily needs, 30 yuan for fun, 20 yuan for savings.
17．What does Wang Hao do to manage his money
A．He spends all his money at once.
B．He writes down every expense in a notebook.
C．He never buys snacks.
D．He asks his parents for more money.
18．What does Li Mei do before buying things
A．She asks her friends for advice.
B．She waits for a sale.
C．She compares prices.
D．She buys the first thing she sees.
19．What does the underlined word “expense” in Paragraph 3 mean
A．花费 B．节省 C．收入 D．投资
20．What is the main idea of the text
A．How to get more pocket money from parents.
B．The importance of online shopping.
C．Teenagers are learning to manage money wisely.
D．Why snacks are popular among teenagers.
B
In many Western countries, teenagers are encouraged to do part time jobs to make their own money. This is a good way for them to understand the meaning of money.
However, different people hold different opinions. Some parents think part time work is great. Teenagers can learn that money comes from hard work. They will not waste money on useless things. Besides, working can improve their social skills.
But other parents worry that part time jobs will take too much study time. If teenagers spend lots of time working, their grades may fall. Also, some dangerous jobs may bring safety problems for young students.
In my opinion, teenagers can take simple part time jobs during holidays, but they must put their schoolwork in the first place. No matter whether they make money by working or get pocket money from parents, the most important thing is to learn to use money wisely.
21．What do Western countries encourage teenagers to do
A．Stop going to school. B．Do part time jobs to make money.
C．Spend all their free time studying. D．Never spend any pocket money.
22．What is the advantage of part time jobs according to some parents
A．They can make teenagers very rich.
B．They can help teenagers know money is hard earned.
C．They can make students get better grades directly.
D．They can help teenagers make many friends online.
23．What is the worry of other parents
A．Teenagers will make too much money.
B．Teenagers will lose interest in playing.
C．Study time may be influenced.
D．Teenagers will have no pocket money.
24．When does the writer think teenagers can take part time jobs
A．On school days. B．During holidays.
C．Every night after homework. D．All year round.
25．What is the best title for the passage
A．Should teenagers take part time jobs
B．How can teenagers get pocket money
C．Why do parents give kids money
D．Where can teenagers find jobs
C
Develop a Right View of Money
Most teenagers get pocket money from their parents every month. However, few of them have a clear plan for money use. Many students spend money on snacks, online gifts and fashionable toys without thinking carefully. This kind of blind consumption is harmful to their growth.
Education experts advise teenagers to learn pocket money management from an early age. First, make a monthly spending plan. Divide pocket money into three parts: daily necessary spending, savings and public-benefit spending. Second, avoid comparing with classmates. Many students waste money simply to follow their classmates and pursue expensive goods.
Third, try to experience making money independently. Doing simple part-time jobs or housework for small rewards can help teenagers realize how difficult it is to earn money. When they truly understand their parents’ hard work, they will stop wasting money casually.
A correct view of money is an important part of teenage growth. It helps teenagers become independent and responsible.
26．What do many teenagers do with their pocket money
A．They save all money for future study.
B．They use it to buy useful books only.
C．They donate all money to help others.
D．They spend it blindly on useless things.
27．How many parts do experts suggest dividing pocket money into
A．Two. B．Three. C．Four. D．Five.
28．Why do some students waste money according to the passage
A．They compare with their classmates.
B．They have too much pocket money.
C．They want to help poor classmates.
D．Their parents ask them to spend freely.
29．What can help teenagers understand the value of money
A．Wasting money casually.
B．Making money by themselves.
C．Buying expensive toys.
D．Comparing with others.
30．What is the best title for the passage
A．How to get more pocket money
B．Teenagers’ different hobbies
C．Develop a right view of money
D．How to avoid hard work
第二节（共5小题，每小题2分，满分10分）
阅读短文，从文后所列选项中，选出最佳选项填入对应空白处，使短文通顺、连贯。（选项中有两项多余）
Tips for Making Your Savings Grow
Do you want to save money but don't know where to start Here are some simple tips to help you get going.
31 Put your spare change into a piggy bank every day. It seems small, but it adds up over time. You will be surprised by how much you have saved after just a few months.
Second, set a clear goal. 32 When you know exactly what you are saving for, it becomes easier to stay motivated. Write your goal down and keep it somewhere you can see it every day.
Third, avoid impulse buying. 33 If you still want it after 24 hours, then consider buying it. If not, you have just saved some money.
34 Use a notebook or an app to write down every single thing you spend. This helps you see if you are spending too much on things you don’t really need.
Finally, find a savings partner. 35 You can encourage each other and keep each other accountable. This makes saving more fun and less lonely.
A．First, start small.
B．Savings accounts often offer higher interest rates.
C．When you see something you want to buy, wait for 24 hours.
D．Another helpful tip is to keep track of your spending.
E．Having a specific goal can help you stay focused.
F．It’s a good idea to share your saving experience with a friend.
G．The more you save, the richer you will become.
词汇应用（本大题共10小题，每小题1分，共10分）
36．Her uncle is an ________ (account) in a big company.
37．He ________ (certain) knows the answer.
38．She ________ (manage) to save enough money for the trip.
39．Young people should develop ________ (imagine) while respecting real historical facts.
40．We are ________ (amaze) at the ancient silk works kept in the Palace Museum.
41．July 1st is a ________ (特别的) day for all Chinese people.
42．My mother bought a new ________ (钱包) for me as a birthday gift.
43．We should learn to manage our money ________ (明智地) from a young age.
44．You should ________ (分开) your money into different parts for different uses.
45．It’s important to make a ________ (预算) before you go shopping.
完成句子（本大题共5小题，每小题2分，共10分）
46．自从我有了梦想存钱罐，我就不再乱花钱了。
I haven’t wasted money ________ ________ ________ my dream money box.
47．每当我拿到零花钱，我都会存一部分。
________ ________ ________ my pocket money, I will save part of it.
48．直到你学会理财，你才会明白金钱的意义。
You ________ understand the meaning of money ________ you learn to manage it.
49．他一存够钱，就会去买自己想要的书籍。
He will buy the books he wants ________ ________ ________ he saves enough money.
50．你在哪里养成存钱的习惯，哪里就会收获惊喜。
You will get surprises ________ ________ ________ _____ ________ of saving money.
五、短文选词填空（共10小题，每小题1分，满分10分）
阅读短文，从方框中选择适当的词并用其正确的形式填空
earn, save, spend, wise, borrow, lend, value, experience, part-time, budget
Last year, I got my first 51 job at a bookstore. I wanted to 52 my own money to buy a new tablet. At first, I didn’t know how to 53 my money. I would 54 all my paycheck on snacks and games.
Then, my mom taught me how to make a 55 . I wrote down all my income and expenses. I started to 56 part of my money every month. I also learned to be 57 with my money—only buying things I really needed.
Once, my friend asked me to 58 him some money. I hesitated, but I decided to help him. I told him he had to pay it back within two weeks. He kept his promise, and this 59 taught me the importance of being honest when dealing with money.
After six months, I had saved enough money to buy the tablet. I felt so proud because I knew the money was 60 through hard work.
六、短文语法填空（共10小题，每小题1分，满分10分）
阅读下面短文，在空白处按要求填入适当的单词或括号内单词的正确形式。
Children love pocket money. Many parents give their children pocket money each week and allow them 61 (spend) it as they wish. Other parents don’t think it’s wise to do so. They think children should be taught that money doesn’t grow on trees and that 62 they need it, they have to do something to get it. So, some parents expect their children to make money by 63 (do) housework like washing the dishes or cleaning the house. And some parents even encourage their children to take on part-time jobs.
Children usually spend all their money. Some parents encourage their children to save some in their own bank account. Then they can pay for their favourite things 64 (them). Pocket money actually has 65 big influence on children. It helps them to develop good spending and saving habits. It 66 (teach) them important skills and values. Children understand that money is not unlimited (无限制的), and then they will learn how to spend or save their money 67 (wise). They practise planning and making 68 (choice). They also learn more maths skills through 69 (manage) money. Pocket money helps children to become 70 (independent) as they get older.
七、读写结合（共两节，满分25分）
第一节 任务型阅读（共5小题，每小题2分，满分10分）
阅读下面短文，并用英语回答问题 (请注意每小题的词数要求)。
A Special Birthday Gift
It was my 14th birthday. I had hoped for a new smartphone, but my parents gave me something different — a piggy bank and a notebook. At first, I felt disappointed. “What’s this ” I asked. My father smiled and said, “This is a start to your financial journey. We want you to learn how to manage money.”
He explained that I should put all my pocket money into the piggy bank and write down every expense in the notebook. “This way, you’ll know where your money goes,” he said. My mother added, “If you save 20 yuan every week, by the end of the year, you’ll have enough to buy the smartphone you want.”
I decided to try. Every week, I saved 20 yuan from my 50 yuan pocket money. I wrote down everything I bought: a pen for 3 yuan, a snack for 2 yuan, and so on. After three months, I had saved 240 yuan. I felt a sense of achievement. I also found that I didn’t waste money on unnecessary things anymore.
On the last day of the year, I counted my money: 960 yuan! It was almost enough for the smartphone. My parents were very proud of me. They matched my savings with an extra 40 yuan, and I finally bought my dream phone. But more importantly, I learned the value of saving and managing money. Now, I still keep a spending diary and make a budget every month.
71．What did the writer’s parents give him for his 14th birthday (不超过10个词)
72．How much pocket money did the writer get every week (不超过5个词)
73．What did the writer do with the money he saved (不超过10个词)
74．How did the writer feel after saving money for three months (不超过5个词)
75．What can we learn from the writer’s story (不超过15个词)
第二节 书面表达（共1题，满分15分）
76．假设你是李华，你的英国网友Mary在网上发帖说，她每月有30英镑零花钱，但总是不到月底就花光了(can’t make ends meet)，她感到很苦恼。请你给她写一封回信，给出合理的理财建议，并分享你的经验。
内容包括：
1. 表示理解并安慰她；
2. 给出至少两条具体建议(如使用梦想罐、记账、先存后花等)；
3. 表达祝愿。
注意：1. 词数80左右；2. 可适当增加细节，使行文连贯；3. 开头和结尾已给出，不计入总词数。
Dear Mary,
I’m sorry to hear that you are having trouble managing your pocket money.
______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
Yours,
Li Hua
/ 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
21世纪教育网(www.21cnjy.com)
21世纪教育网(www.21cnjy.com)
参考答案及试题解析
1．B 2．B 3．A 4．C 5．C 6．A 7．B 8．C 9．C 10．A 11．B 12．A 13．B 14．A 15．C
【导语】本文讲述了北京学生小明通过“梦想罐”存钱法，从每月第一周就花光零花钱到六个月内存下560元的故事，说明了养成定期储蓄习惯的重要性，以及合理管理金钱的意义。
【解析】1．句意：小明，一个来自北京的14岁学生，对金钱总是很不在意。
根据下文“He didn’t know where the money went”可知，他对钱不在意，careless“不在意的；粗心的”符合语境。careful“小心的”；happy“开心的”；excited“兴奋的”，均不符合“钱花光了却不知道去向”的描述。
2．句意：但他总是在第一周内就把钱花光了。
前文提到他不知道钱花哪了，且总是很快花完，always“总是”符合语境，强调这种习惯性行为。never“从不”、sometimes“有时”、hardly“几乎不”均与事实不符。
3．句意：一天，他的老师给班级讲了一个关于梦想罐的故事。
根据“about dream tins”可知，老师讲了一个“故事”，story“故事”符合语境。poem“诗”；song“歌”；joke“笑话”，均不符合“关于存钱方法”的叙述内容。
4．句意：她解释了人们如何通过在罐子上写下梦想并把零钱放进去来存钱。
根据“a person can save money by writing their dream on a tin and putting spare money into it”可知，老师解释的是“如何”存钱，how“如何”符合语境。why“为什么”；where“在哪里”；when“什么时候”，均不符合“解释方法”的语义。
5．句意：小明喜欢这个主意。
根据“He decided to try it”可知，他“喜欢”这个主意，liked“喜欢”符合语境。refused“拒绝”；disliked“不喜欢”；ignored“忽视”，均不符合“决定尝试”的积极态度。
6．句意：首先，他找到了一个小盒子。
根据“Then he wrote ‘Travelling to Shanghai’ on it”可知，他“找到”了一个盒子用来做梦想罐，found“找到”符合语境。lost“丢失”；broke“打破”；sold“卖掉”，均不符合“用来装钱”的语境。
7．句意：他开始把所有的零钱放进盒子里。
根据“coins”及存钱行为可知，他把“零钱”放进去，spare“多余的；零散的”符合语境。paper“纸质的”；new“新的”；old“旧的”，均不符合“零钱”的语义。
8．句意：起初，这很困难。
根据“He often wanted to spend the coins on snacks”可知，克制花钱的欲望是“困难的”，difficult“困难的”符合语境。easy“容易的”；fun“有趣的”；interesting“有趣的”，均不符合“想花钱却不能”的矛盾心理。
9．句意：但他坚持了下去。
根据“he kept going”可知，前后为转折关系，表示“虽然困难，但他坚持了”，But“但是”符合语境。So“所以”；Unless“除非”；Because“因为”，均不符合转折逻辑。
10．句意：小明很惊讶。
根据“He had 560 yuan!”可知，他存了比预期更多的钱，感到“惊讶”，surprised“惊讶的”符合语境。worried“担心的”；bored“无聊的”；angry“生气的”，均不符合“存钱成果”的积极反应。
11．句意：他还了解到，重要的不是金额，而是定期储蓄的习惯。
根据下文“it was about the...of saving regularly”可知，此处表示“不是关于金额”。not“不是”，符合语境。never“从不”；always“总是”；often“经常”，均不符合“否定金额、强调习惯”的语意。
12．句意：他还了解到，重要的不是金额，而是定期储蓄的习惯。
定期储蓄是一种行为模式，habit“习惯”符合语境。dream“梦想”、way“方式”、number“数字”均不如habit准确表达“regularly”（定期）所蕴含的持续性行为特征。
13．句意：他为了一双新鞋攒了钱，也为给父母的礼物攒了钱。
根据“for a new pair of shoes”和“for a gift”可知，他通过储蓄来达成这些目标。saved“储蓄”，符合语境。borrowed“借”；spent“花费”；lent“借出”，均不符合“通过存钱达成目标”的语义。
14．句意：他为了一双新鞋攒了钱，也为给父母的礼物攒了钱。
上文已提到一双鞋，此处指为父母准备另一份礼物，表示“又一；另一”。another“另一个（泛指）”，符合语境。others“其他人/物”；other“其他的（后接名词复数）”；the other“两者中的另一个”，均不符合此处泛指“另一份礼物”的语义。
15．句意：他为自己感到骄傲，因为他终于能明智地管理自己的钱了。
根据全文可知，小明学会了合理使用金钱。manage“管理”，符合语境。borrow“借”；waste“浪费”；find“找到”，均不符合“学会理财”的语义。
16．B 17．B 18．C 19．A 20．C
【导语】本文是一篇说明文。文章主要介绍当下青少年零花钱的消费现状，通过王浩和李梅的例子讲述青少年理性管理零花钱的方法，并且说明学会理财对青少年成长的重要意义。
【解析】16．由第二段“50 yuan for daily needs...30 yuan for savings, and 20 yuan for fun things”可知，王浩将零花钱分为50元日常所需、30元储蓄、20元娱乐。
17．由第三段“I write down every expense in a notebook”可知，王浩通过记笔记来记录每一笔开销。
18．由第四段“She often compares prices before buying anything”可知，李梅在购买前会比较价格。
19．根据“I write down every expense in a notebook,”以及“It helps me know where my money goes. If I want to buy something expensive, I save money for it little by little.”可知，expense意为“花费，开销”，与A项“花费”同义。
20．文章通过王浩和李梅的例子，讲述了青少年正在学习明智地管理金钱，C项最能概括全文主旨。
21．B 22．B 23．C 24．B 25．A
【导语】本文是一篇议论文，主要讲述了西方国家鼓励青少年做兼职赚钱，介绍了两类家长对此的不同看法，并给出作者自身关于青少年做兼职的观点。
【解析】21．第一段指出原文内容：“In many Western countries, teenagers are encouraged to do part-time jobs to make their own money”，这直接说明西方国家鼓励青少年做兼职赚钱。
22．第二段说明兼职的好处：“Teenagers can learn that money comes from hard work…working can improve their social skills”，能让青少年明白钱财来之不易，还能提升社交能力。
23．第三段说明另一部分家长的担忧：“part-time jobs will take too much study time…some dangerous jobs may bring safety problems”，兼职会占用学习时间，影响成绩，危险工种还存在安全隐患。
24．第四段给出作者观点：“teenagers can take simple part-time jobs during holidays”，表明作者认为青少年可以在假期做简单兼职。
25．全文围绕青少年是否该做兼职展开正反观点论述，标题“Should teenagers take part-time jobs ”能完整概括文章核心话题。
26．D 27．B 28．A 29．B 30．C
【导语】本文主要讲述了青少年应如何树立正确的金钱观，专家建议通过制定计划、避免攀比和体验赚钱不易来学会管理零花钱。
【解析】26．根据第一段中“Many students spend money on snacks, online gifts and fashionable toys without thinking carefully. This kind of blind consumption is harmful...”可知，许多青少年没有计划，盲目把钱花在零食、玩具等东西上。
27．根据第二段中“Divide pocket money into three parts: daily necessary spending, savings and public-benefit spending.”可知，专家建议将零花钱分为三部分。
28．根据第二段中“Many students waste money simply to follow their classmates and pursue expensive goods.”可知，学生浪费钱是因为盲目跟随同学，即与同学攀比。
29．根据第三段中“try to experience making money independently. Doing simple part-time jobs...can help teenagers realize how difficult it is to earn money.”可知，独立赚钱的经历能帮助青少年理解金钱的价值和来之不易。
30．文章标题即为“Develop a Right View of Money”，且全文围绕青少年如何管理零花钱、树立正确金钱观展开，因此C选项“树立正确的金钱观”最适合作为标题。
31．A 32．E 33．C 34．D 35．F
【导语】本文是一篇说明文，主要介绍了让储蓄增长的五条简单建议，包括从小处着手、设定目标、避免冲动消费、记录开支以及寻找储蓄伙伴。文章共有 5 个小题。
【解析】31．根据文章第二段“Put your spare change into a piggy bank every day.”以及后文第三段开头的“Second”可知，此处应为第一条建议，且内容与从小钱存起有关。选项A“首先，从小处着手。”符合语境。
32．根据文章第三段“Second, set a clear goal.”以及后文“When you know exactly what you are saving for , it becomes easier to stay motivated.”可知，此处应强调设定目标的作用。选项E“拥有明确的目标有助于保持专注。”符合语境。
33．根据文章第四段“Third, avoid impulse buying.”以及后文“If you still want it after 24 hours, then consider buying it.”可知，此处应提到等待24小时的建议。选项C“当您看到想购买的东西时，请等待24小时。”符合语境。
34．根据文章第五段“Use a notebook or an app to write down every single thing you spend.”可知，本段建议记录开支情况。选项D“另一个有用的建议是记录您的开支。”符合语境。
35．根据文章最后一段“Finally, find a savings partner.”以及后文“You can encourage each other and keep each other accountable.”可知，此处应涉及与朋友分享或合作储蓄。选项F“与朋友分享您的储蓄经验是个不错的主意。”符合语境。
36．accountant
【解析】句意：她的叔叔是一家大公司的会计。account“账目”，为名词。此处需要名词作表语，表示职业“会计”，故变为表示职业的名词形式accountant。
37．certainly
【解析】句意：他肯定知道答案。结合“knows”可知，空处需要副词修饰动词“knows”，certain“确定的”，形容词，其副词形式为certainly，表示“肯定”，符合题意。
38．managed
【解析】句意：她设法攒够了这次旅行的钱。结合“save enough money for the trip”可知，攒钱的动作已经做完，时态应为一般过去时，谓语动词需用动词过去式，manage“设法做成”，动词，其过去式为managed，符合题意。
39．imagination
【解析】句意：年轻人应当在尊重史实的前提下培养想象力。develop是及物动词，后面需要接名词作宾语，imagine的名词形式是imagination，表示“想象力”，不可数。应填imagination。
40．amazed
【解析】句意：我们对保存在故宫博物院里的古代丝织品感到惊叹。固定搭配be amazed at表示“对……感到惊讶”，主语是人，用形容词amazed。
41．special
【解析】句意：7月1日对所有中国人来说是一个特别的日子。空格后面是名词day，需要用形容词作定语修饰名词，special意为“特别的”。
42．wallet
【解析】句意：妈妈给我买了一个新钱包作为生日礼物。a后面接可数名词单数，wallet意为“钱包”。
43．wisely
【解析】句意：我们应该从小学习明智地管理我们的钱。空格修饰动词manage，需要使用副词。wisely为副词，意为“明智地”，符合句子语法与语义。
44．divide
【解析】句意：你应当把钱分成不同部分，用于不同用途。情态动词should后接动词原形；固定搭配divide...into...表示“把……分成……”，divide意为“分开”。
45．budget
【解析】句意：购物之前做一份预算是很重要的。make a budget为固定搭配，意为“做预算”；a后面接可数名词单数，应填budget。
46．since I had
【解析】原句中关键词为“自从”、“我”和“有了”。“自从”对应英文since，引导时间状语从句。从句的主语是“我”，对应英文人称代词“I”。“有了”表示过去某一时间点开始的状态，“since”引导的从句通常使用一般过去时，所以此处对应英文单词为have的过去式had。应填since；I；had。
47．Whenever I get
【解析】英汉对照，句中缺少关键词“每当”、“我”和“拿到”。“每当”对应英文连词Whenever；“我”对应I；“拿到”对应动词get。主句为一般将来时，Whenever引导的时间状语从句遵循主将从现，从句用一般现在时，此处从句中动词用原形get。
48．won’t until
【解析】原句中“直到……才……”是关键词，表示“直到……才……”用not...until；句意为“直到你学会理财，你才会明白金钱的意义”，主句表示将来的情况，应用一般将来时，结构为will not+动词原形，主语You后用won’t。故填won’t；until。
49．as soon as
【解析】原句中“一……就……”是关键词，中文“一……就……”对应的英文固定连词短语是as soon as。
50．where you develop the habit
【解析】原句中“你在哪里养成……的习惯”是关键词，表示“养成……的习惯”用短语develop the habit of。where引导地点状语从句，遵循主将从现，从句用一般现在时。故填where；you；develop；the；habit。
51．part-time 52．earn 53．value 54．spend 55．budget 56．save 57．wise 58．lend 59．experience 60．earned
【导语】本文是一篇记叙文，作者介绍了自己通过兼职、学习理财和处理借钱经历，最终靠自己的努力买到平板电脑的故事。
【解析】51． 句意：去年，我在一家书店找到了我的第一份兼职工作。根据空后的“job”和所给词语，此处考查固定搭配part-time job，意为“兼职工作”。
52． 句意：我想自己赚钱来买一台新平板电脑。根据“job”和空后的“money”可知，此处考查固定短语earn money，意为“赚钱”，want to do sth.是固定短语，此处用动词原形和空前的to构成动词不定式。
53．句意：一开始，我不知道如何珍惜我的钱。根据“all my paycheck on snacks and games”和所给词，此处表示不知道珍惜钱，将所有零花钱买零食和游戏，结合所给词语，value“重视；珍惜”符合语境，特殊疑问词how后接动词不定式，此处用动词原形和空前的to构成动词不定式。
54．句意：我会把所有的零花钱都花在零食和游戏上。根据“all my paycheck on snacks and games”可知，此处考查固定搭配spend money on sth.，意为“把钱花在某物上”，would后接动词原形。
55．句意：然后，我的妈妈教我如何制定一份预算。根据“I wrote down all my income and expenses.”和所给词，此处考查固定短语make a budget，意为“制定预算”。
56．句意：我开始每个月存一部分钱。根据“part of my money every month”及上文讲到制定预算，此处指每月存一部分钱，save“存”符合语境；start to do sth.是固定短语，意为“开始做某事”，此处用动词原形和空前的to构成动词不定式。
57．句意：我也学会了对我的钱保持理智——只买我真正需要的东西。根据“only buying things I really needed”可知，此处指理智地花钱，be动词后接形容词作表语，wise意为“明智的、理智的”，符合语境。
58．句意：有一次，我的朋友让我借给他一些钱。根据“asked me to…him some money”和“but I decided to help him.”可知，此处指朋友向作者借钱，lend“借”符合语境；ask sb. to do sth.是固定短语，此处用动词原形和空前的to构成动词不定式。
59．句意：他遵守了承诺，这次经历教会了我在金钱往来中诚信的重要性。this“这；这个”后接可数名词单数，结合所给词，此处用experience“经历”指代借钱给朋友这件事。
60．句意：我感到非常自豪，因为我知道这笔钱是通过努力工作赚来的。根据“After six months, I had saved enough money to buy the tablet.”和“through hard work”，以及所给词，earn“挣；赚”符合语境，earn和主语money之间是被动关系，句子是一般过去时的被动语态，was后加动词的过去分词构成一般过去时的被动语态。earn的过去分词是earned。
61．to spend 62．if 63．doing 64．themselves 65．a 66．teaches 67．wisely 68．choices 69．managing 70．more independent
【导语】本文主要讲述了父母给孩子零花钱的不同方式及其对孩子成长的影响，包括培养理财习惯、数学技能和独立性等。
【解析】61．句意：很多父母每周给孩子零花钱，并允许他们按自己的意愿花。allow sb. to do sth.表示“允许某人做某事”，空格处应填动词不定式to spend。应填to spend。
62．句意：他们认为应该教导孩子钱不是凭空而来的，如果他们需要钱时，必须做些事来获取。根据语境，此处引导条件状语从句，用if“如果”。应填if。
63．句意：所以一些父母期望孩子通过做家务来赚钱，比如洗碗或打扫房子。此处表示“通过做某事”，用“by+动名词形式”，do的动名词是doing。应填doing。
64．句意：然后他们可以自己支付喜欢的东西。此处强调“他们自己”，用反身代词themselves。应填themselves。
65．句意：零花钱实际上对孩子有很大的影响。have a big influence on是固定搭配，表示“对……有很大影响”，big以辅音音素开头，用不定冠词a。应填a。
66．句意：它教给他们重要的技能和价值观。本文整体用一般现在时，主语It是第三人称单数，teach的第三人称单数形式是teaches。应填teaches。
67．句意：孩子们明白钱不是无限的，然后他们会学会如何明智地花钱或存钱。此处修饰动词spend和save，用副词wisely。应填wisely。
68．句意：他们练习规划和做选择。make choices表示“做选择”，choice用复数形式choices。应填choices。
69．句意：他们也通过管理钱学习更多数学技能。through是介词，后接动名词，manage的动名词是managing。应填managing。
70．句意：零花钱帮助孩子随着年龄增长变得更独立。become后接形容词，independent本身是形容词，此处用more independent表示“更独立的”，体现成长过程中的变化。应填more independent。
71．A piggy bank and a notebook. 72．50 yuan. 73．He bought his dream smartphone. 74．A sense of achievement. 75．We should learn to save and manage money from a young age.
【导语】本文讲述了作者14岁生日时收到父母送的存钱罐和笔记本，通过记录收支、坚持储蓄，最终学会理财并买到了心仪手机的故事。
【解析】71．第一段明确指出“my parents gave me something different — a piggy bank and a notebook”，答案是原文直接信息。
72．第三段提到“Every week, I saved 20 yuan from my 50 yuan pocket money”，即每周零花钱为50元，答案是原文直接信息。
73．最后一段提到“I finally bought my dream phone”，说明作者用存下的钱购买了智能手机，根据原文信息作答即可。
74．第三段明确提到“After three months, I had saved 240 yuan. I felt a sense of achievement.”，答案是原文直接信息。
75．本文最后点明主旨：“I learned the value of saving and managing money.”，本题为开放性试题，答案不唯一，合理即可。
76．参考范文
Dear Mary,
I’m sorry to hear that you are having trouble managing your pocket money. Don’t worry. Many teenagers have the same problem. Here are some ideas that may help you.
First, try using a dream tin. Write down what you really want on the tin, and put some money into it every time you receive your pocket money. This helps you save for important things instead of spending on unnecessary snacks. Second, keep a record of your spending. When you see where your money goes, you will find it easier to cut down useless costs.
I believe you will learn to manage your money wisely and make ends meet soon.
Yours,
Li Hua
【解析】写作步骤
[第一步：审题立意]
确定文体：应用文（建议信），以一般现在时为主。
明确要点：表示理解并安慰Mary；给出两条理财建议；表达相信她能学会理性理财、收支平衡。
确定人称：第一人称（I）和第二人称（You）。
注意事项：书信格式规范，称呼、结束语齐全；内容要包括所有要点；语句通顺，语法正确。
[第二步：构思布局]
三段式结构：
开头段：听闻 Mary 零花钱管理困难，进行安慰，引出下文建议；
主体段：分两点介绍打理零花钱的具体可行方法；
结尾段：表达信心，祝愿她学会理性理财，实现收支平衡。
[第三步：要点展开]
要点一：安慰对方，引出建议。
I’m sorry to hear that/I’m sorry to know that/Don’t worry./you don’t need to worry too much./Here are some ideas that may help you./I’d like to share some practical suggestions to help you solve the problem.等。
要点二：两条具体建议。
First, try using a dream tin./prepare a special dream tin and write down your long-expected wishes or important goals on the surface of it./Second, keep a record of your spending./make a simple monthly spending plan in advance/Before you spend money on something, try to distinguish between needs and wants.等。
要点三：表达祝愿。
I believe you will learn to manage your money wisely and make ends meet soon./I firmly believe that you will master the skill of managing money wisely, arrange your daily expenses properly and finally make ends meet perfectly.等。
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