Unit5 The Value of Money核心词汇语境记忆及检测

中小学教育资源及组卷应用平台
人教版高中英语必修3 Unit5 The Value of Money
核心词汇语境记忆
1. Money is a medium of exchange that allows us to purchase goods and services.
（重点词汇：money 金钱，medium of exchange 交换媒介，purchase 购买，goods 商品，service 服务）
中文翻译：金钱是一种交换媒介，使我们能够购买商品和服务。
2. Managing your personal finances wisely is a crucial life skill for achieving financial security.
（重点词汇：manage 管理，personal finance 个人财务，wisely 明智地，crucial 关键的，financial security 财务安全）
中文翻译：明智地管理个人财务是实现财务安全的关键生活技能。
3. Creating a monthly budget helps you track your income and expenses to avoid overspending.
（重点词汇：budget 预算，track 追踪，income 收入，expense 支出，avoid overspending 避免超支）
中文翻译：制定月度预算有助于你追踪收入和支出，避免超支。
4. Saving a portion of your money regularly is a good habit that prepares you for future needs or emergencies.
（重点词汇：save 储蓄，portion 一部分，regularly 定期地，habit 习惯，emergency 紧急情况）
中文翻译：定期将一部分钱存起来是个好习惯，可以让你为未来的需求或紧急情况做准备。
5. Investment involves using money with the aim of generating a profit or income over time.
（重点词汇：investment 投资，involve 涉及，aim 目的，generate 产生，profit 利润）
中文翻译：投资涉及使用资金，目的是在未来产生利润或收益。
6. Credit allows you to borrow money to make purchases now, with the promise to repay it later, often with interest.
（重点词汇：credit 信贷，borrow 借入，make purchase 进行购买，repay 偿还，interest 利息）
中文翻译：信贷允许你现在借钱消费，并承诺日后偿还，通常还需支付利息。
7. Wealth is not just about having a large amount of money, but also about possessing valuable assets and resources.
（重点词汇：wealth 财富，large amount 大量，possess 拥有，valuable 有价值的，asset 资产）
中文翻译：财富不仅仅指拥有大量金钱，还包括拥有有价值的资产和资源。
8. Many people believe that money cannot buy happiness, as true contentment often comes from non-material things.
（重点词汇：cannot buy happiness 买不到幸福，true contentment 真正的满足感，come from 来自，non-material thing 非物质的东西）
中文翻译：许多人认为金钱买不到幸福，因为真正的满足感往往来自非物质的东西。
9. It’s important to distinguish between needs and wants to make sensible spending decisions.
（重点词汇：distinguish between 区分，need 需求，want 想要，sensible 明智的，spending decision 消费决策）
中文翻译：区分需求和欲望对于做出明智的消费决策很重要。
10. Philanthropy is the practice of donating money and time to help others and improve society.
（重点词汇：philanthropy 慈善，practice 行为，donate 捐赠，help others 帮助他人，improve society 改善社会）
中文翻译：慈善是指捐赠金钱和时间以帮助他人、改善社会的行为。
11. The value of money can change over time due to inflation, which reduces its purchasing power.
（重点词汇：value of money 金钱的价值，change 改变，over time 随着时间，inflation 通货膨胀，purchasing power 购买力）
中文翻译：由于通货膨胀会降低购买力，金钱的价值会随时间改变。
12. Being in debt means you owe money to others, which can create stress and limit your financial freedom.
（重点词汇：debt 债务，owe 欠（钱），create stress 造成压力，limit 限制，financial freedom 财务自由）
中文翻译：负债意味着你欠别人钱，这会造成压力并限制你的财务自由。
13. Frugality means living simply and avoiding waste, which can help you save more money.
（重点词汇：frugality 节俭，live simply 简朴生活，avoid waste 避免浪费，help 帮助，save money 省钱）
中文翻译：节俭意味着生活简朴、避免浪费，这能帮你省下更多钱。
14. Earning an honest living through hard work brings not only money but also a sense of dignity and achievement.
（重点词汇：earn 赚取，honest living 正当生计，hard work 努力工作，sense of dignity 尊严感，achievement 成就感）
中文翻译：通过努力工作来正当地谋生，带来的不仅是金钱，还有尊严感和成就感。
15. Financial literacy is the knowledge and skill set needed to make informed and effective financial decisions.
（重点词汇：financial literacy 金融素养，knowledge 知识，skill set 技能，informed 知情的，effective decision 有效的决策）
中文翻译：金融素养是做出知情且有效的财务决策所需的知识和技能。
16. A loan is a sum of money that is borrowed and expected to be paid back, usually with interest.
（重点词汇：loan 贷款，sum of money 一笔钱，borrowed 被借入，expected 被期望，paid back 偿还）
中文翻译：贷款是一笔借入并预期要偿还的钱，通常需要支付利息。
17. Extravagant spending on luxury items may provide temporary pleasure but can lead to long-term financial problems.
（重点词汇：extravagant 奢侈的，luxury item 奢侈品，temporary pleasure 暂时的快乐，lead to 导致，long-term 长期的）
中文翻译：在奢侈品上奢侈消费可能带来暂时的快乐，但会导致长期的财务问题。
18. Charity begins at home, meaning we should first care for our family’s needs before helping others.
（重点词汇：charity 慈善，begin at home 始于家庭，care for 关心，family’s need 家庭需求，help others 帮助他人）
中文翻译：慈善始于家庭，意味着我们在帮助他人之前，应该首先关心家人的需求。
19. Currency is the system of money used in a particular country, such as the dollar, euro, or yen.
（重点词汇：currency 货币，system of money 货币体系，used in 在…被使用，particular country 特定国家）
中文翻译：货币是在特定国家使用的货币体系，例如美元、欧元或日元。
20. Prioritizing your financial goals is essential, whether it’s saving for education, buying a house, or planning for retirement.
（重点词汇：prioritize 优先考虑，financial goal 财务目标，essential 必不可少的，save for education 为教育储蓄，plan for retirement 为退休做计划）
中文翻译：无论是为了教育储蓄、买房还是规划退休，优先考虑你的财务目标是必不可少的。
21. Inheritance is money or property that you receive from someone after they pass away.
（重点词汇：inheritance 遗产，property 财产，receive 接收，pass away 去世）
中文翻译：遗产是你在某人去世后从其那里接收的金钱或财产。
22. A waste of money refers to spending on things that are unnecessary or of little value.
（重点词汇：waste of money 浪费钱，spending 花费，unnecessary 不必要的，little value 价值很低）
中文翻译：浪费钱是指把钱花在不必要或价值很低的东西上。
23. Economic inequality refers to the unequal distribution of wealth and income among people in a society.
（重点词汇：economic inequality 经济不平等，unequal distribution 不平等分配，wealth 财富，income 收入，society 社会）
中文翻译：经济不平等指的是社会成员间财富和收入的不平等分配。
24. Prosperity is the state of being successful and thriving, especially in financial terms.
（重点词汇：prosperity 繁荣，state 状态，successful 成功的，thriving 兴旺的，financial term 财务方面）
中文翻译：繁荣是指成功和兴旺的状态，尤其是在财务方面。
25. Generosity involves a willingness to give and share what you have, including money, with others.
（重点词汇：generosity 慷慨，willingness 意愿，give 给予，share 分享，including 包括）
中文翻译：慷慨是指愿意将你所拥有的东西，包括金钱，给予和分享给他人。
26. Financial independence means having enough savings and passive income to cover your living expenses without needing a job.
（重点词汇：financial independence 财务独立，enough saving 足够的储蓄，passive income 被动收入，cover living expense 支付生活开支，job 工作）
中文翻译：财务独立意味着拥有足够的储蓄和被动收入来支付生活开支，而无需工作。
27. The proverb “Money doesn’t grow on trees” reminds us that money is hard to earn and should not be wasted.
（重点词汇：proverb 谚语，money doesn’t grow on trees 钱不会长在树上，remind 提醒，hard to earn 难赚，waste 浪费）
中文翻译：“钱不会长在树上”这句谚语提醒我们，钱来之不易，不应浪费。
28. Poverty is the state of having little or no money and few or no material possessions.
（重点词汇：poverty 贫困，state 状态，little or no money 极少或没有钱，few or no 极少或没有，material possession 物质财产）
中文翻译：贫困是指拥有极少或没有金钱以及极少或没有物质财产的状态。
29. A down payment is an initial upfront payment made when purchasing something expensive, like a house or car.
（重点词汇：down payment 首付款，initial 最初的，upfront payment 预付款，purchase 购买，expensive 昂贵的）
中文翻译：首付款是在购买房子或汽车等昂贵物品时支付的一笔初始预付款。
30. Materialistic people place too much importance on money and possessions rather than on spiritual or ethical values.
（重点词汇：materialistic 物质主义的，place importance on 重视，possession 财产，spiritual value 精神价值，ethical value 道德价值）
中文翻译：物质主义的人过于重视金钱和财产，而不是精神或道德价值。
31. Compound interest is interest calculated on the initial principal and also on the accumulated interest from previous periods.
（重点词汇：compound interest 复利，calculate 计算，initial principal 初始本金，accumulated interest 累积的利息，previous period 之前的时期）
中文翻译：复利是根据初始本金和之前时期的累积利息来计算的利息。
32. Bankruptcy is a legal status where a person or organization cannot repay their outstanding debts.
（重点词汇：bankruptcy 破产，legal status 法律状态，organization 组织，cannot repay 无法偿还，outstanding debt 未偿还债务）
中文翻译：破产是指个人或组织无法偿还未清偿债务的法律状态。
33. Windfall refers to an unexpected gain of money, such as winning a lottery or receiving an unexpected bonus.
（重点词汇：windfall 意外之财，unexpected gain 意外获得，win a lottery 中彩票，receive 收到，unexpected bonus 意外奖金）
中文翻译：意外之财是指意外获得的金钱，例如中彩票或收到意外奖金。
34. Prudent financial planning involves thinking carefully about the future and preparing for potential risks.
（重点词汇：prudent 审慎的，financial planning 财务规划，think carefully 仔细思考，prepare for 为…做准备，potential risk 潜在风险）
中文翻译：审慎的财务规划涉及仔细思考未来，并为潜在风险做好准备。
35. Bartering is an old system of exchanging goods or services for other goods or services without using money.
（重点词汇：bartering 以物易物，old system 古老的体系，exchange 交换，good 商品，without using money 不使用金钱）
中文翻译：以物易物是一种不使用金钱，而用商品或服务交换其他商品或服务的古老体系。
36. Greed is an excessive desire for more money or possessions than one needs, often leading to unethical behavior.
（重点词汇：greed 贪婪，excessive desire 过度的欲望，more than one needs 超过所需，lead to 导致，unethical behavior 不道德行为）
中文翻译：贪婪是对超出所需的金钱或财产的过度渴望，常常导致不道德的行为。
37. A nest egg is a sum of money saved for future use, typically for retirement.
（重点词汇：nest egg 储备金，sum of money 一笔钱，save 储蓄，future use 未来使用，retirement 退休）
中文翻译：储备金是为未来使用，通常是为退休而储蓄的一笔钱。
38. Making ends meet means having just enough money to pay for your basic living expenses.
（重点词汇：make ends meet 收支相抵，just enough 刚好足够的，pay for 支付，basic living expense 基本生活开支）
中文翻译：收支相抵意味着有刚好足够的钱来支付基本生活开支。
39. Cost of living refers to the amount of money needed to cover basic expenses such as food, housing, and transportation in a certain place.
（重点词汇：cost of living 生活成本，amount of money 金额，cover basic expense 支付基本开支，food 食物，housing 住房）
中文翻译：生活成本是指在某个地方支付食物、住房和交通等基本开支所需的金额。
40. Ultimately, money is a tool that can be used for good or ill, and its true value lies in how we choose to use it.
（重点词汇：ultimately 最终，tool 工具，use for good or ill 用于善或恶，true value 真正的价值，lie in 在于，choose to use 选择使用）
中文翻译：最终，金钱是一种可用于善或恶的工具，其真正的价值在于我们如何选择使用它。
人教版高中英语必修3 Unit5 The Value of Money
核心词汇配套练习题
第一部分：选词填空（共15题，每题2分）
A) 单项选择：从A、B、C、D四个选项中选择最佳答案。
1.A ______ is a plan that helps you manage your money by tracking your income and expenses.
A. loan
B. budget
C. debt
D. currency
2.______ is the knowledge and skills needed to make smart decisions about money.
A. Financial literacy
B. Economic inequality
C. Compound interest
D. Materialistic value
3.When you ______ money, you are setting it aside for future use instead of spending it now.
A. invest
B. save
C. borrow
D. waste
4.______ is the system of money used in a particular country, like the US dollar or the Japanese yen.
A. Credit
B. Currency
C. Wealth
D. Prosperity
5.______ means having just enough money to pay for your basic needs like food and housing.
A. Making ends meet
B. Financial independence
C. Living extravagantly
D. Prioritizing goals
B) 篇章选词：从下方方框中选择最合适的单词，用其正确形式填入文章空白处。每个单词只能用一次。
money / value / save / spend / earn / need / want / important
Many people think that (6) ______ is the most important thing in life. However, it's crucial to understand the true (7) ______ of money. Money is a tool that allows us to buy things we (8) ______, but it doesn't necessarily buy happiness. To use money well, we should learn to (9) ______ wisely and (10) ______ for the future. It's also (11) ______ to (12) ______ a living through hard work. Remember, it's not how much you (13) ______, but how you use it that matters.
第二部分：句子匹配与改写（共10题，每题2分）
A) 匹配题：将句子与最匹配的回应连线。
1.She creates a monthly plan for her income and expenses.
2.He donated half of his salary to help children in need.
3.They exchanged vegetables for clothes without using cash.
4.He has enough savings to live without working.
5.The price of everything keeps going up.
A. That's a great example of bartering.
B. That shows the impact of inflation.
C. That means she keeps a budget.
D. That's an act of generosity.
E. He has achieved financial independence.
B) 句子改写：使用括号中所给单词的恰当形式改写句子，保持句意基本不变。
1.It is wise to put some money aside for unexpected situations. (save)
→ It is wise to ______ for unexpected situations.
2.He has a strong desire to own expensive cars and big houses. (materialistic)
→ He is very ______.
3.The interest is added to the original amount and then earns more interest. (compound)
→ ______ allows your money to grow faster.
4.They can barely pay for their basic needs each month. (make ends meet)
→ They struggle to ______ each month.
5.The government is trying to reduce the gap between the rich and the poor. (economic inequality)
→ The government is trying to reduce ______.
第三部分：语境造句（共5题，每题4分）
根据中文提示和所给核心词汇，造一个语法正确、语义通顺的英文句子。
1.制定预算 (Creating a budget) 是管理个人财务 (managing personal finances) 和实现财务目标 (achieving financial goals) 的第一步。
2.复利 (Compound interest) 可以帮助你的储蓄 (savings) 随着时间 (over time) 显著增长 (grow significantly)。
3.区分需求和欲望 (Distinguishing between needs and wants) 对于避免浪费金钱 (avoiding wasting money) 和做出明智消费决定 (making wise spending decisions) 至关重要。
4.慈善 (Philanthropy) 不仅涉及 (not only involves) 捐赠金钱 (donating money)，还涉及 (but also) 贡献时间 (contributing time) 来帮助他人 (help others)。
5.贪婪 (Greed)，或者对金钱的过度渴望 (excessive desire for money)，常常导致 (often leads to) 不道德的行为 (unethical behavior) 和个人的不幸 (personal unhappiness)。
第四部分：篇章理解与词汇应用（共10空，每空1分）
阅读下面短文，根据上下文和括号内中文提示，在空白处填入一个恰当的英文单词或短语。
Money is a powerful tool in modern society. It serves as a (16) ______ (交换媒介) for goods and services. However, the (17) ______ (金钱的价值) goes beyond its purchasing power. Good (18) ______ (财务管理) skills, such as making a (19) ______ (预算) and (20) ______ (储蓄) regularly, are essential for (21) ______ (财务安全). On the other hand, poor decisions can lead to (22) ______ (债务) or even (23) ______ (破产). It's important to remember that money itself is neutral; its (24) ______ (真正的价值) lies in how we use it. Whether we choose (25) ______ (奢侈消费) or simple living, generosity or greed, our choices define our relationship with money.
参考答案与解析
第一部分：选词填空
A) 单项选择
1. B. budget
解析：budget（预算）是指管理收入与支出的计划，与句意“通过追踪收支来管理金钱的计划”完全相符。loan（贷款）、debt（债务）、currency（货币）均非具体的管理计划。
2. A. Financial literacy
解析：Financial literacy（金融素养）指做出明智金钱决策所需的知识与技能，是定义性描述。Economic inequality（经济不平等）、Compound interest（复利）、Materialistic value（物质主义价值观）均不符合。
3. B. save
解析：save（储蓄）意为“存钱以备将来使用”，与 setting it aside for future use 同义。invest（投资）是为了获利，borrow（借入）是获取资金，waste（浪费）是乱花钱。
4. B. Currency
解析：Currency（货币）是专业术语，指一国使用的货币体系，如美元、日元等。Credit（信贷）、Wealth（财富）、Prosperity（繁荣）均非指具体的货币体系。
5. A. Making ends meet
解析：Making ends meet 是固定短语，意为“收支相抵，仅够维持基本生活”，与 having just enough money to pay for your basic needs 含义相同。Financial independence（财务独立）指无需工作即可支付生活开支，程度更高。
B) 篇章选词
6. money (金钱)
解析：think that money is... 是常见句式，引出话题。
7. value (价值)
解析：the true value of money 是核心短语，意为“金钱的真正价值”。
8. need (需要)
解析：buy things we need 指购买我们需要的东西，与后文的“want”（想要）可能形成对比。
9. spend (花费)
解析：learn to spend wisely 意为“学会明智地消费”。
10. save (储蓄)
解析：save for the future 是常用搭配，意为“为未来储蓄”。
11. important (重要的)
解析：It's also important to... 是常用句型。
12. earn (赚取)
解析：earn a living 是固定短语，意为“谋生”。
13. earn (赚取)
解析：how much you earn 指“你赚多少钱”，与 how you use it 形成对比。
第二部分：句子匹配与改写
A) 匹配题
1. C (她为收支制定月计划 → 这意味着她做预算。)
2. D (他将一半薪水捐给需要帮助的儿童 → 这是慷慨的行为。)
3. A (他们不用现金，用蔬菜换衣服 → 这是以物易物的好例子。)
4. E (他有足够储蓄，不用工作也能生活 → 他实现了财务独立。)
5. B (所有东西的价格都在上涨 → 这表明了通货膨胀的影响。)
B) 句子改写
6. It is wise to save money for unexpected situations.
解析：save money for... 意为“为…存钱”，替换了 put some money aside for...。
7. He is very materialistic.
解析：materialistic 是形容词，意为“物质主义的”，概括了 a strong desire to own expensive things 这种特质。
8. Compound interest allows your money to grow faster.
解析：Compound interest 是专有名词，意为“复利”，直接作主语，替换了描述性的句子。
9. They struggle to make ends meet each month.
解析：make ends meet 是固定短语，意为“收支相抵”，替换了 can barely pay for their basic needs。
10. The government is trying to reduce economic inequality.
解析：economic inequality 是专业术语，意为“经济不平等”，精准概括了 the gap between the rich and the poor。
第三部分：语境造句（参考答案）
11. Creating a budget is the first step in managing personal finances and achieving financial goals.
解析：动名词短语 Creating a budget 作主语。in doing sth. 表示“在…方面”。
12. Compound interest can help your savings grow significantly over time.
解析：help sth. do 是固定结构。over time 是时间状语。
13. Distinguishing between needs and wants is essential for avoiding wasting money and making wise spending decisions.
解析：动名词短语 Distinguishing... 作主语。be essential for (doing) sth. 是常用表达。
14. Philanthropy not only involves donating money but also contributing time to help others.
解析：not only... but also... 连接两个并列的动名词短语。
15. Greed, or an excessive desire for money, often leads to unethical behavior and personal unhappiness.
解析：or 引导同位语，对 Greed 进行解释。lead to 后接并列名词短语作宾语。
第四部分：篇章理解与词汇应用
16. medium of exchange (交换媒介)
解析：serve as a medium of exchange 是经济学中的标准表述。
17. value of money (金钱的价值)
解析：作主语，与 goes beyond 搭配。
18. financial management (财务管理)
解析：Good financial management skills 是常见搭配。
19. budget (预算)
解析：making a budget 是动名词短语，作 such as 的举例。
20. saving (储蓄)
解析：与 making a budget 并列，同为动名词。
21. financial security (财务安全)
解析：for financial security 表示目的。
22. debt (债务)
解析：lead to debt 意为“导致负债”。
23. bankruptcy (破产)
解析：or even bankruptcy 表示递进，程度更严重。
24. true value (真正的价值)
解析：Its true value lies in... 是总结性观点。
25. extravagant spending (奢侈消费)
解析：Whether we choose... or... 引导对比的选项。
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