三、阅读理解
One day, you'll need to learn how to save money—even if you don't have anything to save for right now. Learn to save and budget now! Then you'll have money when you do want something expensive, and make better plans for your future.
★Be clear about how much pocket money you have. Do you get your pocket money weekly or monthly? Do you get any other money? Add up（合计）the amount（金额）of your money for the period you want to budget for.
★Learn the difference between needs and wants. You need money for transportation（交通）; you want to have money left over for snacks and games. Then decide which of your "wants" should come first and which ones you can let go.
★Make a budget! Once you know how much pocket money you will have in a period of time, you can decide how to spend it. Keep the money for your needs and don't touch it for anything else. Then add up how much your wants will cost. See if you can make your needs and wants add up to 90% or less of all your money.
★Put your savings—the 10% or more that you don't spend each month—far away. Put them in a bank or somewhere that you can't get at easily.
★Write your expenses（花费）down, at least until you can get used to what they are. This way you'll know where your money is going—and what you need to do is to hold on to it longer.
★Put a little bit away every day. Even if it's just change, get used to having something left over. You'll be surprised at how much change adds up over months.
（
A. use the money for bus rides to pay for a toy
B. put our savings somewhere easy to reach
C. place what we need before what we want
D. spend all our pocket money every weekend
（
A. Daily savings.
B. A large amount of money.
C. Coins（硬币）and notes（纸币）.
D. Coins or small units of money.
（
A. How to put savings away
B. Why we should budget
C. How to save pocket money
D. Why we spend all our money
One day, you'll need to learn how to save money—even if you don't have anything to save for right now. Learn to save and budget now! Then you'll have money when you do want something expensive, and make better plans for your future.
★Be clear about how much pocket money you have. Do you get your pocket money weekly or monthly? Do you get any other money? Add up（合计）the amount（金额）of your money for the period you want to budget for.
★Learn the difference between needs and wants. You need money for transportation（交通）; you want to have money left over for snacks and games. Then decide which of your "wants" should come first and which ones you can let go.
★Make a budget! Once you know how much pocket money you will have in a period of time, you can decide how to spend it. Keep the money for your needs and don't touch it for anything else. Then add up how much your wants will cost. See if you can make your needs and wants add up to 90% or less of all your money.
★Put your savings—the 10% or more that you don't spend each month—far away. Put them in a bank or somewhere that you can't get at easily.
★Write your expenses（花费）down, at least until you can get used to what they are. This way you'll know where your money is going—and what you need to do is to hold on to it longer.
★Put a little bit away every day. Even if it's just change, get used to having something left over. You'll be surprised at how much change adds up over months.
（
C
）1. The writer would probably（可能）agree to .A. use the money for bus rides to pay for a toy
B. put our savings somewhere easy to reach
C. place what we need before what we want
D. spend all our pocket money every weekend
（
D
）2. What does the underlined word "change" in the last paragraph mean?A. Daily savings.
B. A large amount of money.
C. Coins（硬币）and notes（纸币）.
D. Coins or small units of money.
（
C
）3. What is the best title（标题）for the text?A. How to put savings away
B. Why we should budget
C. How to save pocket money
D. Why we spend all our money
答案：1.C
2.D
3.C
2.D
3.C
解析：
【分析】
首先通读全文，明确文章主旨是教青少年如何节省零花钱、合理做预算。针对各题目：
1. 第1题需定位文章中关于“needs（需要）”和“wants（想要）”的内容，判断作者的主张；
2. 第2题需结合最后一段语境，猜测“change”的词义；
3. 第3题需梳理文章整体内容，提炼核心主旨，确定最佳标题。
【解析】
1. 第1题：根据文章第三段“Learn the difference between needs and wants... decide which of your 'wants' should come first and which ones you can let go”，可知作者主张优先满足“需要”而非“想要”，对应选项C。A选项用交通（属于needs）的钱买玩具（属于wants），不符合；B选项与第四段“Put your savings... far away”相悖；D选项与储蓄的建议不符，故选C。
2. 第2题：最后一段提到“每天存一点，哪怕是change，几个月会积少成多”，结合语境，change指日常可存的小额零钱，即硬币或小面额货币，对应选项D。A选项“日常储蓄”是概念，不是具体的change；B选项“大数目”与文意相反；C选项包含纸币，change通常指小额零钱，不包含大额纸币，故选D。
3. 第3题：文章围绕如何节省零花钱、制定预算给出具体方法，核心是教青少年节省零花钱，对应选项C。A仅为文章中的一个方法，B是文章提及的原因之一，D与文意相悖，故选C。
【答案】
1.C；2.D；3.C
【知识点】
阅读理解（细节理解）、词义猜测、主旨大意
【点评】
本题为英语阅读理解题，考查细节理解、词义猜测和主旨大意三类题型，需学生准确定位文章信息、结合语境猜词、梳理核心内容，整体难度适中，适合初中阶段学生练习。
【难度系数】
0.6
首先通读全文，明确文章主旨是教青少年如何节省零花钱、合理做预算。针对各题目：
1. 第1题需定位文章中关于“needs（需要）”和“wants（想要）”的内容，判断作者的主张；
2. 第2题需结合最后一段语境，猜测“change”的词义；
3. 第3题需梳理文章整体内容，提炼核心主旨，确定最佳标题。
【解析】
1. 第1题：根据文章第三段“Learn the difference between needs and wants... decide which of your 'wants' should come first and which ones you can let go”，可知作者主张优先满足“需要”而非“想要”，对应选项C。A选项用交通（属于needs）的钱买玩具（属于wants），不符合；B选项与第四段“Put your savings... far away”相悖；D选项与储蓄的建议不符，故选C。
2. 第2题：最后一段提到“每天存一点，哪怕是change，几个月会积少成多”，结合语境，change指日常可存的小额零钱，即硬币或小面额货币，对应选项D。A选项“日常储蓄”是概念，不是具体的change；B选项“大数目”与文意相反；C选项包含纸币，change通常指小额零钱，不包含大额纸币，故选D。
3. 第3题：文章围绕如何节省零花钱、制定预算给出具体方法，核心是教青少年节省零花钱，对应选项C。A仅为文章中的一个方法，B是文章提及的原因之一，D与文意相悖，故选C。
【答案】
1.C；2.D；3.C
【知识点】
阅读理解（细节理解）、词义猜测、主旨大意
【点评】
本题为英语阅读理解题，考查细节理解、词义猜测和主旨大意三类题型，需学生准确定位文章信息、结合语境猜词、梳理核心内容，整体难度适中，适合初中阶段学生练习。
【难度系数】
0.6