外研版九年级英语上册 Unit2 On the money 金钱和理财（单元阅读专练）

Unit2Onthemoney金钱和理财

单元阅读精练

模块语篇题型体裁词数内容简介

巨额奖金并不一定能带来持久的幸福。

时文阅读Passagel阅读理解说明文271

Passagc2阅读理解说明文328亲子金钱教育

实战演练Passagel阅读理解应用文188一则理财工作坊的活动通知

Passage2阅读理解说明文324介绍理财生活经验

Passage3七选五说明文338围绕“聪明用钱”展开，给出四条建议

Passaged完形填空说明文269介绍了50/30/20预算法,将月收入按比

例分配到“必需品”，“想要品”和“储蓄”

三部分帮助人们合理规划收支

时次阅禳

Passage1

InOctober,someoneinSouthCarolinawon$1.5billion.Thenearlyimpossibleodds（概率）ofwinningwere

1in302.5million!

Wouldthismoneyactuallymakesomeonehappy?Theexperiencesofseverallottery（抽奖）winnersshowthat

itprobablywouldivt.Forexample,WilliamPosthadonlyS2.46inthebankwhenhewon$16.2millioninaNew

Yorklotteryin1998.Within3months,hewaspooragainbecauseofcarelessspending.Hewasn'tashappyashefelt

beforewinningtheprize.

Hereisanotherexample.CallieRogers,aBritishteenagerfremacommonfamily,won$3millionin2003.

Sheboughtherfamilyandfriendslavishgiftsandboughtherselfexpensiveclothes.Aftersixyears.Callielostall

hermoneyandrealizedthatmoneydidn'tmakeherhappy.Infact,shebecameworriedthatpeoplewerefriendly

withheronlytogethermoney.

Lotterywinnersarenottheonlyoneswhocanendupunhappy.Peoplewhogetbigmoneyforsomeother

reasons,e.g.,receivingmoneyfromothers,arealsoalrisk.Theymaynotknowhowtodealwithmoney.Theywaste

moneyonthingstheydon'tneed.

Researchersfoundthatpeoplearehappywhentheyareabletopayfortheirbasicneeds,suchasfood,clothes,

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asafeplacetolive,andhealthcare.Peoplearealsohappywhentheygivereasonable(合理的)amountsofmoneyto

charities.

Peoplecanhopeandwishtosuddenlycomeintolotsofmoneytoimprovetheirlives,butperhapstherearc

betterwaystofindhappiness.

【全文翻译】

十月，美国南卡罗来纳州有人赢得了15亿美元奖金，中奖概率微乎其微，只有3.025

亿分之一！

这笔钱真的能让人变得幸福吗？几位彩票中奖者的经历表明，答案很可能是否定的。例

如1998年，威廉-波斯特在纽约彩票中斩获1620万美元大奖时，银行账户里只剩下

2.46美元。由于毫无节制地花钱，短短三个月他就再度变得穷困潦倒，生活也没有中奖前

快乐。

再举一个例子。出身普通家庭的英国少女卡莉•罗杰斯在2003年中了300万美元。她

给家人和朋友赠送昂贵的礼物，也给自己购买大量高档服饰。六年之后，卡莉花光了所有奖

金，也明白了金钱并没有给自己带来快乐。事实上，她整日忧心忡忡，害怕身边人对自己友

善，只是贪图她的钱财。

并非只有彩票中奖者最终会过得不开心。因其他缘由获得巨额钱财的人，比如接受他人

赠予巨款的人，也面临着同样的困扰。他们不懂如何管理钱财，把金钱浪费在各种非必需物

品上。

研究人员发现，当人们能够负担衣食、安全住所、医疗服务这些基本生活开销时，便会

产生幸福感；向慈善机构捐赠数额适中的钱款，同样能收获快乐。

人们可以憧憬一夜暴富来改善生活，但或许我们拥有更合适的方式去寻找幸福，

【长难句分析】

1.原句：Thenearlyimpossibleoddsofwinningwere1in302.5million!

分析：主干为主系表结构(Theoddswere1in302.5million)；nearlyimpossible作前置定语修饰odds；of

winning介词短语后置修饰odds。

翻译：中奖的概率低得几乎不可能实现，仅有3.025亿分之一。

2.原句：Hewasn'tashappyashefeltbeforewinningtheprize.

分析：运用as...as同级比较的否定句式；beforewinningtheprize是现在分词短语，在状语从句中充当时

间状语。

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翻译：他的幸福感比不上中奖之前。

3,原句：Researchersfoundthatpeoplearehappywhentheyareabletopayfortheirbasicneeds,suchasfood,

clothes,asafeplacetolive,andhealthcare.

分析：主句包含that引导的宾语从句，宾语从句里嵌套when引导的时间状语从句；suchas用来列举说

明前文的basicneeds»

翻译：研究人员发现，当人们可以负担食物、衣物、安全住所以及医疗这些基本需求时，就会感到幸福。

【重难词汇梳理］

1.odds/Ddz/n.（复数）概率，几率

2.lottery/'IDtori/n.彩票；抽奖

3.lavish/'la?vi\/adj.奢华的,昂贵的

4.charity/'tfaeroti/n.慈善；慈善机构

5.basic/'beisik/adj.基本的，基础的

6.reasonable/'ri:zndbl/adj.合理的,适度的

Passage2

Parentsandchildrenoftenfacethechallengesofmoney.Commontopicsincludesettingpocketmoney,

learningtosave,anddecidingtobuyexpensivethings.Thegoalofmostparentsistoteachtheirkidshowtodeal

withmoneywisely.Thegoalofmostkidsisgettingmoneytospend.Howcanfamiliesachievethesegoals?

TheTidierfamilyinDenverfoundthebestwaytoteachaboutmoneywastolettheirkidsmakesomemoney.

Theirson,Ryan,17,hasbeenwateringflowersinthegardensincehewas8.Heownedhisowntoolswith（hehelp

ofhisparents.Nowhehassaved$7,800.Besides,heboughtabikeandawonderfulsoundsystem.Andheisgoing

tobuyacarnextyear.

Moneyskillsareanimportantpartofbecomingasuccessfuladult.DavidBradymanagesacompanyaimedat

childrenandyoungadults."Theyshouldn'talwaysbethinkingofspendingmoney."Bradywarns.Instead,they

shouldunderstandbasicrulesformakingmoney,savingmoney,andmanagingmoney.

Thatknowledgeisgreatlyneeded.Overthepasttenyears,mostAmericansaged18to24haveborrowed

nearly$3,000ontheircreditcards（信用k）.Amonghighschoolseniors,fouroutoffivehavenevertakenaclass

aboutmoney.

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GiselleLopez,17,ofNewYorkCity,learnedthehardway.Sheowed(欠)$2,000onherfirstcreditcard.Her

parentsrefiisedtopay,soGisellegetajob.Thenshepaidthemoneyoffslowlybyherself.uNoweverytimeIuse

money,Iknowthatitcomesfrommyownpocket,“Gisellesays.uThatgivesmeasenseofresponsibilityformy

actions."Differentkidswillhavedifferentstyleswhenitcomestomoncy.Tcachingthemhowtousemoneydoesn't

havetomeansettingstrictrules.WhenchildrenlikeRyanandGisellehavetheirownmoneytoconsider,theycan

learntoseithoserulesthemselves.

【全文翻译】

家长和孩子常常会面临和金钱相关的各类难题。常见问题包括零花钱数额设定、学习储

蓄、决定是否购买贵重物品。大多数父母的目标是教会孩子理性理财，而大部分孩子的想法

只是拿到钱用来消费。一个家庭该如何兼顾双方的需求呢？

丹佛的蒂德勒家庭找到了理财教育的最优方法：让孩子自己挣钱。家中17岁的儿子瑞

安从8岁开始就负责浇灌院子里的花草，在父母的协助下，他配备了专属的工具，如今他

已经攒下7800美元，还用这笔钱购置了一辆自行车和一套不错的音响设备，并且计划明年

入手一辆汽车。

掌握理财本领，是成长为一名优秀成年人必不可少的一环。戴维・布雷迪运营着一家面

向青少年群体的公司，他提醒道：“孩子们不该一味只想着花钱。”与之相反，他们需要

弄懂赚钱、存钱、管钱的基本准则。

这类理财知识十分必要。过去十年里，多数18至24岁的美国年轻人信用卡负债接近

3000美元。而高中应届毕业生中，五分之四的人从未上过任何理财相关课程。

来自纽约市17岁的吉赛尔•洛佩兹，为此付出了实实在在的教训。她的第一张信用卡

欠下了2000美元债务，父母拒绝替她偿还，于是吉赛尔找了一份工作，靠自己慢慢还清了

欠款。吉赛尔说：“现在我每花一笔钱，都清楚这份钱财来之不易，是自己辛苦挣来的，这

也让我为自己的消费行为扛起了该有的责任。”

每个孩子对待金钱的处事方式各不相同，理财教育也不必依靠严苛的条条框框约束孩

子。当孩子手握属于自己的收入、需要权衡开销时，他们自然会学会给自己建立消费规矩。

【长难句分析】

I.原句：TheTidierfamilyinDenverfoundthebestwayloteachaboutmoneywastolet(heirkidsmakesome

money.

分析：主句主干：TheTidierfamilyfound(that)...；省略宾语从句引导词that；toteachaboutmoney不定式作

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后置定语修饰way；从句主干thebestwaywastolettheirkidsmakesomemoney。

翻译：丹佛的蒂德勒一家发现，教导孩子理财最好的方式就是让孩子自己去赚钱。

2.原句：Overthepasttenyears,mostAmericansaged18to24haveborrowednearly$3,000ontheircreditcards.

分析：Overthepasttenyears为现在完成时标志；aged18to24过去分词短语后置修饰Americans；have

bonowed是句子谓语。

翻译：在过去十年间，大多数18至24岁的美国人信用卡欠款将近3000美元。

3.原句：WhenchildrenlikeRyanandGisellehave（heirownmoneytoconsider,theycanleamtosetthoserules

themselves.

分析：when引导时间状语从句：不定式toconsider后置修饰money；主句主谓宾结构清晰。

翻译：当瑞安、吉赛尔这类孩子需要打理自己的钱财时，他们就能够学着给自己制定用钱准则。

【重难词汇梳理］

I.challenge/'ifaelindj/n.挑战,难题

2.wisely/'waizli/adv.明智地，理智地

3.manage/'mienid^/v.管理；经营

4.credit/'kredit/n.信用；信贷

5.responsibility/ri,spDnso'bibti/n.责任，责任感

6.strict/strlkt/adj.严格的，严厉的

实战演猱

Passage1

（2026.广东•中考真题）

Wantyourchildrentomanagemoneywisely?

龛江Bringthemtoourfreeworkshops!

Ourmoneyworkshopsarefor7to12-year-oldchildren.Theseworkshopswillbeheldinthecitylibraryon

weekends.Eachworkshopcantakeupto20children.

5/13

Workshop1:WiseSpender(9a.in.—10a.m.

Sat.)

Aims:

►tounderstand"needs”and“wants”in3

spending

►tolearnhowtomakeabudgetplan

ExampleActivity

Childrenaregivensomespendingchoiceslikebuyingabookorseeingafilm.Theyworktogetherand

discusswhattospendonwithinabudget.

Workshop2:SmartSaver(4p.m.—5p.m.

Sun.)

Aims:

►tounderstandthebenefitsofsaving罚

►tolearnhowtoopenabankaccount

ExampleActivityChildrenaredividedintotwogroups.Onegroupactsasbankmanagersandtheotheracts

ascustomerswhowanttoopenanaccount.

WhyChooseUs?

Weusereal-worldexamplestohelpchildrenlearntomakesmarterdecisionsonmoney.

HowToBook?

Youneedtocompleteabookingformandsendittousatbooking@.Formoreinformation,

pleasevisit.

1.Whenarethemoneyworkshopsheld?

A.OnThursdaysandSaturdays.B.OnTuesdaysardSundays.

C.OnMondaysandWednesdays.D.OnSaturdaysandSundays.

2.WhatcanchildrenlearnfromWorkshopI?

A.Howtocreateabudgetplan.B.Howtomakeasavingplan.

C.Howtomakealotofmoney.D.Howtoopenabankaccount.

3.TheexampleactivityinWorkshop2is.

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A.acardgameB.arole-playgameC.awordgameD.atreasure-huntgame

4.Wha(makes(heworkshopsagoodchoice?

A.Interestingbooks.B.Freelunch.C.Real-lifeexamples.D,Smart

robots.

5.Howcanpeoplegetmoreinformationabouttheworkshops?

A.Byvisitingthewebsite.B.Bysendinganemail.

C.Bymakingaphonecall.D.Byfillingintheform.

【答案】1.D2.A3.B4.C5.A

【导语】本文是一则理财工作坊的活动通知，介绍了为7-12岁儿童免费举办的“明智的消费者”和“聪明的

储蓄者”两个周末工作坊的内容、活动形式及报名方式。

【详解】

1.由“Workshop1”部分“9a.m.—10a.m.Sat.”和“Workshop2”部分“4p.m.—5p.m.Sun”可知，工作坊在周六

和周日举行。

2.由“Workshop1:WiseSpender”部分"Aims:lolearnhowtomakeabudgetplan”可知，孩子们在工作坊I中

可以学习如何制定预算计划。

3.FhtwWorkshop2:SmartSaver”部分"ExampleActivity:Onegroupactsasbankmanagersandtheotheractsas

customers…''可知，这是角色扮演活动.

4.由“WhyChooseUs”部分"Wcusereal-worldexamples”可知，工作坊使用真实案例来帮助孩子学习。

5.由“HowToBook”部分“Formoreinformation,pleasevisit.”可知，可以通过访问网站获

取更多信息。

Passage2

(25-26九年级上•福建泉州,期中)Atanearlyage.westartlearninghowtomanagemoneybywatchingour

parents'spendinghabits.Don'tworryifwchaven'tlearnedwellhowtosaveorspendmoney.Thefollowinglife

lessonsaboutmoneycanhelpusformgoodspendinghabits.

Moneydoesn'tgrowontrees.Askids,wedon'toftenthinkabcutwheremoneycomesfrom.Weneedtoknow

thatourparentsworkhardtomakemoney,andthatitmaybeuseduponeday.Goingtotheirworkplaceslowatch

hov/theyworkisagreatwaytounderstandmoneyisnotihateasytomake.

7/13

Weshouldn'tspendallourmoneyinonego.It'simportantforustohaveabudget（HM）.Inotherwords,we

needtothinkabouthowmuchmoneywehaveandwhatwereallywanttospenditon.Realizingthatourpocket

moneycan'tcovereverythingwcwant,wcshouldmakesmartspendingchoices.

Wcshouldsetacleargoalandwatchourmoneygrow.Ifwcwishtoownanewbicyclebutcan'taffordit,wc

cansaveourpocketmoney.How?Writedownhowmuchmoneywehaveinanotebookandwatchitgrow.Afterwe

haveenough,wccanbuythatwonderfulbicyclewe'vedreamedabout!Reachingourgoalwillgreatlysatiate（满足）

Wecantalkwithourparentsabouthowmoneyisusedandwheremoneygoes.Doyouknowwhatabank

account（账户）is?Ifnot,communicatewithourparents.Wecanalsogotothesupermarketwithourparentsto

experiencehowmoneyisspentintherealworld.

Withoutdoubt（怀疑）.weshouldtreatmoneyinarightway.Actually,learningaboutmoneyisn'tahardjob.

Fromtheselessons,wecangetasenseofmoneymanagementandrightmoneyvaluesstepbystep!

1.Whatisthekeytomakingsmartspendingchoices?

A.BuyingeverythingwewantB.Planningbeforespending.

C.Askingfbrmorepocketmoney.D.Workinghardlikeourparents.

2.Whatdoesthewriterwantkidstodobygivingtheexampleofbuyingabicycle?

A.Buyawonderfulnotebook.B.Makeafreespendingchoice.

C.Setagoalofsavingmoney.D.Haveanexperienceofshopping.

3.Whatcanwelearnfromthetext9

A.Achievingasavingsgoalissatisfying.B.Bankaccountsarcunnecessaryforkids.

C.Goingshoppingaloneisagoodidea.D.Parentsshouldcontrolallmoney.

4.Whatisthebesttitleforthetext?

A.CausesofSpendingMoneyB.WaysofManagingMoney

C.PurposesofTreatingMoneyD.ConditionsofSavingMoney

5.Thestructure（结构）ofthetextis.

（①=para.I②:para.2®=para.3…）

/%①

A.②③④⑤B.

③④⑤

\I/

w⑥

8/13

【答案】1.B2.C3.A4.B5.A

【导语】本文开篇指出我们从小会模仿父母的消费习惯，随后分四段介绍四条理财生活经验，最后总结正

确看待金钱、逐步培养理财观念的重要性。

【详解】

1.根据文章第三段"It'simportantforustohaveabudget.Inotherwords,weneedtothinkabouthowmuch

moneywehaveandwhatwereallywanttospenditon.Realizingthatourpocketmoneycan'tcovereverythingwe

want,weshouldmakesmartspendingchoices."，做好预算、消费前规划是理性消费的关键。

2.根据文章第四段“Weshouldsetacleargoalandwatchourmoneygrow.Ifwewishtoownanewbicyclebut

can'taffordit,wecansaveourpocketmoney.”，作者举买自行车的例子，是为了告诉我们要设立存钱目标。

3.根据文章第四段“Afterwehaveenough,wecanbuythatwonderfulbicyclewe'vedreamedabout!Reaching

ourgoalwillgreatlysatiateus."，完成储蓄目标会让人获得满足感。

4.全文围绕四条管理金钱的方法展开，核心主题是理财的方式。

5.文章第一段总起引出理财经验，第二至第五段并列介绍四条理财方法，第六段总结全文，属于总分总

结构，总段①，分述②©④⑤，总结段⑥，对应图示A。

Passage3

(25-26九年级上•江西赣州•期末)请先阅读下面短文，掌握其大意，然后根据短文内容从下面的七个选项

中选择五个还原到原文中，使短文意思通顺、结构完整，并在答题卡上将其序号涂黑。一空一句。

UsingMoneyinaSmartWay

Weallusemoney.Buthowcanweuseilinagoodway?Itmeanswemakeaplanandthinkbeforewespend.

MakeaSimplePlan

First,makeaplanforyourmoney.Forexample,ifyouhave100yuan,youcandecide:

,Usehalf(50yuan)forimportantthings,likeaschoolbook.

,Usesome(30yuan)forfunthings,likeanicecreamoramovie.

•Savetherest(20yuan)forlater,maybeforabiggift.

]Thisway,youwon、runoutofmoneytoofast.

WaitandThink

Ifyouseesomethingyoulikebutdon'treallyneed,waitfbroneday.Doyoustillwantittoirorrow?2

9/13

Thishelpsyounotbuythingstooquicklyandthenfeelsorry.

KnowWhatYouReallyNeed

•Whatyouneed:Thingsyoumusthave,likefoodforlunch,apenforschool,orawarmcoatinwinter.

•Whatyouwant:Thingsthatarcnicebutnotsoimportant,likeanewtoy,candy,orcoolstickers.3

Smartkidsalwaysbuywhattheyneedfirst.

SavingisGood

Savingmoneymeanskeepingsomefor（hefuture.Youcansaveforanewbike,abookyoulike,ortohelp

someone.4So,savingalittlemoneyoftenisagoodhabit.

Moneyisatool（工具）.5Whenweusei（withaplan,ithelpsuslivebelternowandmakesourfuture

bettertoo.

A.Itgivesyoumoneytodosomethingimportantinthefuture.

B.Thisplanhelpsyouknowwhereyourmoneygoes.

C.So,it'simportanttoknowthedifferencebetween“needs”and“wants”.

D.Youcanalsoshareyourmoneywithyourfriends.

E.Thiswaitingtimeletsyour“wanting”feelingbecomequieterancsmaller.

F.Itisnotjustforbuyingthingsyouseenow.

G.Togetmoremoney,youshouldworkhard.

【答案】1.B2.E3.C4.A5.F

【导语】本文围绕“聪明用钱”展开，给出四条建议：制定简单计划、等待思考再消费、区分“需要”与“想

要“、养成储蓄习惯；最后强调金钱是工具，需有计划地使用以改善当下和未来生活。

【详解】

1.前文讲“制定100元的花钱计划（50元重要事、30元娱乐、20元储蓄）”，后文讲“这样不会很快花光

饯"，B项"Thisplanhelpsyouknowwhereyourmoneygoes.”总结计划的作用，衔接前后文。

2.前文讲“看到喜欢但非必需的东西，等一天再决定”，后文讲“避免冲动消费后后悔”，E项“Thiswaiting

timeletsyour'wanting'feelingbecomequieterandsmaller.”解释等待的意义，衔接前后文的消费建议。

3.前文区分“需要”和”想要”，后文讲“聪明的孩子先买需要的"，C项“So,i「simportanttoknowthe

differencebetween4needs5and"ants’.''总结该段核心，衔接前后文的消费优先级。

4.前文讲“储蓄是为未来留钱”，后文讲“经常存点钱是好习惯”，A项“Itgivesyoumoneytodosomething

importantinthefuture.”强调储蓄的价值，衔接前后文的储蓄建议。

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5.前文讲“金钱是工具”，后文讲“有计划地使用能改善当下和未来“，Fisnotjustforbuyingthingsyou

seenow.”拓展金钱的用途，呼应后文“未来”的价值，衔接逻辑。

Passage4

（2026•广东东莞•模拟预测）Ifyouhadamonthlyincome（收入）of15,000yuan,howmuchofitwouldyou

spend?Andhowwouldyousave?

Manypeoplefindbudgeting（制定预算）1.Theyturntopopularbudgetingapps,onlytoforgetabout

thembythethirdday.

Whynotfollowthe50/30/20method?Itisoneofthemosteffectiveandsimplebudgetingmethodsaround.

Accordingtothismethod,youshoulddivideyourmonthlyincomeintothree2:50%fbr“needs”,30%fbr

“wants",and20%fbr“savings”.

“Needs"referstothebillsthatyoumust3andthenecessarythingsforsurvival.4.they

includeelectricityandgasbills,transportationandfoodanddrinks.Thesearc“must-haves”.Ifyouhavetospend

morethan50%ofyourincomeonyour“needs"，youmayneedto5yourlifestyle.Forexample,youmay

considercookingathome,rather（haneatingoutoften.

“Wants"refersto6costs.Youchoosetospendyourmoneyonthesethings,butcouldeasilylive

withoutthem.Youcould7athomeinsteadofgoingtothesportscenter.YoucouldwatchsportsonTV

insteadofgettingticketstothegame.Youcouldcontinueusingyourthree-year-oldbackpack.

8,youneedtosave20%ofyourmonthlyincome.Savingsarc9.Youneverknowwhenyou

mayloseyourjoborwhenanaccidentmaytakeplace.

1（）the50/30/20method.Itwillhelpyouliveahappylifewhilemakingsureyouhavesomesavings

（ofullbackonwheneveryouneedthem.

1.A.convenientB.difficultC.boringD.challenging

2.A.stepsB.groupsC.halvesD.forms

3.A.payB.buyC.return