（单元培优卷）Unit 8 Save Every Coin! 单元全真模拟培优卷-2025 - 2026学年八年级英语下册仁爱科普版（2024）（含答案解析）
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| 名称 | （单元培优卷）Unit 8 Save Every Coin! 单元全真模拟培优卷-2025 - 2026学年八年级英语下册仁爱科普版（2024）（含答案解析） |
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| 资源类型 | 试卷 | ||
| 版本资源 | 仁爱科普版 | ||
| 科目 | 英语 | ||
| 更新时间 | 2026-03-10 00:00:00 | ||
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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
2025-2026学年八年级英语下册单元全真模拟培优卷仁爱科普版
（2024）Unit 8 Save Every Coin!
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）
Nowadays, many people prefer to use mobile phones to pay for things. It is 1 and safe. You don’t need to carry a 2 full of cash or cards. Just scan a code and the payment is done 3 a moment.
However, we must be careful with our 4 information when shopping online. Some people may try to steal it. Also, it’s easy to spend too much when you can’t 5 the real money in your hand. That’s why some parents still teach their children to use a 6 bank. They put coins in it and watch their savings 7 .
Saving money is a good habit. It helps us 8 our goals, like buying a book or going on a trip. We should also learn to 9 our budget and not spend more than we have. Remember: every coin 10 !
1．A．difficult B．convenient C．boring D．expensive
2．A．bowl B．menu C．wallet D．basket
3．A．at B．on C．in D．for
4．A．personal B．natural C．digital D．monthly
5．A．see B．make C．borrow D．invent
6．A．piggy B．paper C．golden D．metal
7．A．add up B．go over C．think twice D．come up with
8．A．achieve B．agree C．continue D．inform
9．A．fill out B．keep to C．hunt D．lay
10．A．kills B．borrows C．counts D．persuades
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
A budget is a spending plan. It can help you spend money wisely. It can do this by cutting out spending. So how to make a budget Your budget should meet your family’s needs and income.
The first step is to plan your goals. What does your family need and want You must know this to work out what the budget can do. Keep goals realistic (现实的). Then decide which goals are the most important.
The next step is to find out family income. Write down all the money you expect to get. Before you can plan wisely, you need to know how much money you have to spend!
After you know how much money will be available (可用的), it is time to find out expenses (支出). List all of your family expenses. If you are not happy with what you got for your money, look carefully at your spending. Studying your records will show where overspending (超支) has happened. It will also find out bad buying habits.
It is also a good idea to prepare some money for emergencies (紧急情况). Every family has small emergencies. If we can plan earlier, we can deal with them better.
11．What is a budget according to the passage
A．A spending plan. B．A goal to make money.
C．A record of overspending. D．A way to find out expenses.
12．What benefit (好处) can we get from a budget
A．Help list family expenses. B．Help save a lot of money.
C．Help change buying habits. D．Help spend money in a reasonable way.
13．What does the underlined word “income” in Paragraph 3mean
A．The money you can spend. B．The money you can get.
C．The money you can save. D．The money you want to make.
14．Why is it a good idea to prepare money for emergencies
A．The earlier we plan, the better we can deal with them.
B．People usually spend more than they plan to do.
C．Overspending could help us to deal with the problems.
D．Other people may want to borrow some money from us.
15．What would be the best structure of the passage
A． B． C． D．
B
Money can make you happy, only if you spend it in a clever way.
Buying a new car makes you happy. However, you will forget the feeling when the car gets old. But if you spend a week travelling, it’s more possible that you’ll remember the great experiences, and you’ll remember the feeling for a long time. A new study has found that spending money on experiences makes people happier than on material things.
For material things, it’s possible that you’ll care about every little thing. If you buy a nice pen, and someone else buys one with less money, it’s possible that you may be unhappy because you spend more money. When it comes to experiences like trips, you won’t think like that. If the experience is generally good, you will be happy with the price.
Material things can be compared more easily. If you buy an MP5 and then see a more suitable one, you may regret (后悔) buying the first one. However, if you have a nice dinner at one restaurant, and then learn about another better restaurant, you’ll not regret the first meal.
Material things can cause jealousy (嫉妒). For example, if you buy a new toy and find that your friend has a better toy, you’ll feel unhappy. Instead, if you travel to a beautiful place, then no matter where your friends have gone, it won’t make the memory of your trip less happy.
16．When will money make you happy
A．When you buy a car.
B．When you spend it in a clever way.
C．When you care about everything.
17．What does the underlined word “material” in Paragraph 2 mean in Chinese
A．物质的 B．精神的 C．便宜的
18．What may you do if you buy a watch and then see a better one in a magazine
A．Buy a better one. B．Ask for your money back. C．Regret buying the first one.
19．What may the passage tell us
A．Material things may not cause jealousy.
B．People always regret buying things.
C．People will have happy memories of wonderful travelling.
20．What may be the best title for the passage
A．Material things can cause jealousy.
B．Buying experiences is generally good.
C．Spending money on experiences makes people happier.
C
Do you have pocket money Where does it come from Now, let’s look at how to make pocket money and use it wisely.
In China, parents always give their children pocket money every week or every month. In some other countries, some children often sell old toys. Some children help their parents wash cars or do chores to get pocket money. Children can also get pocket money by helping their neighbors (邻居) walk their dogs or water flowers.
How much money do I have Where can I spend my money Many children may have the same question. They make plans and decide to spend the money or save it. A good plan can make them have the right understanding of money. And it’s a good thing for children to start making money by themselves. And children can make a note (记录). It can help child ren know where their money goes. Then they may use their money wisely.
Do you have any good ideas on how to make pocket money and use it wisely
21．How does the writer start the text
A．By giving examples. B．By listing numbers (数字).
C．By asking questions. D．By introducing ideas.
22．Who always gives Chinese children pocket money
A．Their parents. B．Their schools.
C．Their grandparents. D．Their brothers or sisters.
23．How can children get pocket money in some other countries
①By selling old toys. ②By doing chores.
③By washing cars. ④By selling school things.
A．①②③ B．①②④ C．①③④ D．②③④
24．Why should children make plans about their pocket money
A．To get more pocket money from parents.
B．To have a right understanding of money.
C．To buy more interesting things.
D．To make their parents happy.
25．What is the main idea of the text
A．Where is the pocket money from
B．How to make and use pocket money wisely
C．How many ways can we make pocket money
D．Why do we need to make plans to use pocket money
D
Julia and her cousins visited their grandparents every month. Each time, their grandpa gave them some coins. The kids usually rushed to buy sweets with the money. One day, Grandpa called all the children together and said, “Let’s have a money-management competition. Tell me how you’ve used your coins at the end of the year.”
Ruben and Nico, the youngest two, kept buying sweets with all their money. They often showed off their sweets, which made Clara and Joe angry. Soon, Clara and Joe stopped saving and started spending like Ruben and Nico.
Monty was a smart boy. He thought of making money by buying and selling small things. With little effort, he earned a lot quickly. But he then began to buy expensive things for himself. In a few months, he had no money left at all.
Alex saved every coin he got. By the end of the year, he had more money than anyone else and seemed to be the winner.
Julia, however, had no money left on the competition day. She had spent all her coins on violin lessons. She knew a poor violinist who played in the park. Julia offered him all her coins to learn the violin. The violinist was moved by her enthusiasm and agreed to teach her. After a year, he lent Julia a violin, and they played together in the park. Their performance was a hit, and Julia earned enough money to buy her own violin. Years later, she became a famous violinist. When Grandpa heard Julia’s story, he smiled and said, “Julia is the real winner.”
26．Why did Clara and Joe stop saving money
A．They wanted to join the competition.
B．They were angry about Ruben and Nico’s showing off.
C．Grandpa told them not to save money.
D．They needed money to buy school things.
27．How did Monty manage his money at first
A．He saved all his coins.
B．He bought sweets for himself.
C．He made money by trading things.
D．He spent it on violin lessons.
28．What did the violinist do after teaching Julia for a year
A．He gave Julia a new violin as a gift.
B．He asked Julia to teach other kids.
C．He lent a violin to Julia.
D．He invited Julia to his concert.
29．Who did Grandpa think was the real winner
A．Alex. B．Monty. C．Julia. D．Clara.
30．What can we learn from the story
A．Saving money is the only way to manage money well.
B．Money should be used to develop oneself and achieve goals.
C．Showing off wealth is a bad habit.
D．It’s useless to make money by buying and selling things.
第三部分 信息还原（共5小题；每小题1分，满分5分）
请先阅读下面短文，掌握其大意，然后根据短文内容从下面七个选项中选择五个还原到文中，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。
Money may not buy happiness, but it helps. Many teenagers want to learn how to manage (管理) money before going out into the world. 31 This idea is raised by Dr. Mara Harvey, a money expert. Here are some of her tips.
Learn to make money. Ask parents or neighbors if you can do chores to make pocket money. These could include washing a car or taking the dog for a walk. 32 In this way, you can also improve your communication (交流) skills, which will help when you have a grown-up job, too.
Help your money grow. Money can’t grow if it’s sitting inside a piggy bank (存钱罐). Put your money in the bank and you can get interest (利息). 33 One day you may feel surprised at how much money you have.
Make a plan. If you have a big event, such as a holiday coming up, it might mean you will need to spend more of your pocket money. Try making a plan for spending and saving. 34 Then it will help you take control of your money.
35 Figure out how much you can reasonably spend each month. Spend your money on what you truly need. Then try to cut down on spending. For example, rather than eating out, you can choose to cook at home.
A．Spend your money wisely.
B．Be smart with your money.
C．Set a goal (目标) of saving money.
D．Save your money in the long run.
E．Agree on the value (价值) of different jobs before you start.
F．Write down how much money you have and how much you are spending.
G．The value of jobs depends on how much money you are paid for the jobs.
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．We need to ________ (连接) the printer to the computer.
37．We are surprised at his ________ (快速的) progress in English.
38．We will ________ (继续) our game after a short rest.
39．E-payment makes our life more convenient. We can buy things even if we don’t carry any ________ (现金).
40．It’s meaningful for students to learn some ________ (基本的) skills.
41．A s________ is a kind of farm animal with white wool.
42．The little boy puts his coins in a p________ bank.
43．We are happy with the rapid g________ of our savings.
44．I put my money and bank cards in my w________.
45．It’s very c________ to pay by mobile phone.
阅读短文，从方框中选出正确的词并用其适当形式填空，使短文通顺、意思完整。每空限填一词，每词限用一次。
trade, produce， good， buy， when， wide， ways， as， their, early
Long long ago, people did not need money. They lived on wild animals, fruits and other plants. And 46 time passed, people learned to raise animals and crops.
Sometimes, families 47 more than what they needed. So they started to 48 with other families. Later, people began to use money as a means of exchange. However, it was not the kind of money we use today. They used shells, rice, salt, large stones and so on.
During the 600s B．C．, people began to use coins as money. They soon found that coins were easier to carry than 49 and it lasted a long time. And then other countries began to make 50 own coins.
China was the first country to use paper money, probably as 51 as in the 11th century. They used paper money 52 things. The Italian traveler Marco Polo saw the Chinese using money 53 he visited China in the 1, 200s. However, European countries didn’t start using paper money until 1, 600s.
Today, we sometimes don't use coins or paper money. We have many 54 to pay for things, such as credit cards, WeChat payment and Alipay. They are used 55 to pay for things because they are easier and safer than carrying around lots of “real”money.
第五部分 短文填空（共10小题；每小题1分，满分10分）
阅读下面短文，根据语境、音标或所给单词的提示，在每个空格内填入一个恰当的词，要求所填的词意义准确、形式正确，使短文意思完整、行文连贯。
Nowadays, more and more teenagers get pocket money from their parents. But do you know how to spend it 56 (wise) Here is some advice for you.
First, make a plan before you spend. If you 57 (have) a clear plan, you will know where your money goes. You can write down your income and every 58 / pe m nt/ you make. This can help you avoid buying 59 (necessary) things. Second, save some money every month. You can put your money into a piggy bank, or save it in the bank. With the 60 (rapidly) growth of the economy, saving can help you prepare for your future. For example, if you save 50 yuan every month, you 61 (have) enough money to buy your favorite books or gifts for your parents one year later. Third, use your money to improve yourself. You can spend money on things like 62 (educate) books, sports classes and new skills. These 63 (act) will help you become a better person. Fourth, learn to protect yourself. When you shop online, you should be careful with your 64 / p s nl/ information. Don’t give your bank card password to others, and this can protect you 65 losing your money. At last, remember: money is a useful tool, but it can’t buy everything. If you learn to manage your pocket money well, you will have a better understanding of money and life.
阅读表达（共5小题；每小题2分，满分10分）
Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make.
We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices.
We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us.
We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world.
Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step!
根据语篇内容回答问题，将答案填写在横线上。
66．How do we start learning to manage money at an early age
67．According to the passage, where does money come from
68．What should we do if our pocket money can’t cover everything we want
69．What will greatly satisfy us according to Paragraph 3
70．What do you think of money (请用完整的一句话回答。)
书面表达（共1题；满分25分）
71．假设你是李华，你校英语角将讨论“如何合理使用零花钱”。请你写一篇英文短文，谈谈你的做法和建议。
内容提示：
1. 你每周有多少零花钱；
2. 你通常用零花钱做什么；
3. 你如何存钱；
4. 给同学的建议（如制定预算、不浪费等）。
要求：
1. 语句通顺，意思连贯，可适当发挥；
2. 不少于80词。
How to Use 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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参考答案及试题解析
1．B 2．C 3．C 4．A 5．A 6．A 7．A 8．A 9．B 10．C
【导语】本文是说明文，介绍了移动支付的便利与风险，并强调了培养储蓄习惯、遵守预算的重要性。
1．句意：它既方便又安全。
根据上文“many people prefer to use mobile phones to pay”，移动支付的特点是方便且安全，应选用convenient，表示 “方便的”，difficult“困难的”，boring“无聊的”与expensive“昂贵的”均不符合语境。
2．句意：你不需要随身携带一个装满现金或卡片的钱包。
根据“full of cash or cards”，装现金和卡片的物品是 wallet“钱包”，bowl“碗”，menu“菜单”，basket“篮子”均与装钱和卡无关。
3．句意：只需扫一下码，付款片刻就完成了。
介词短语in a moment表示 “立刻、马上”，符合扫码后付款瞬间完成的语境，其余介词无法构成该搭配。
4．句意：然而，我们在网上购物时必须注意保护自己的个人信息。
下文指出一些人会偷取个人信息，强调保护个人信息，应用personal“个人的”。natural“自然的”，digital“数字的”，monthly“每月的”均不符合信息保护的语境。
5．句意：而且，当你无法看到手中的真钱时，很容易花太多钱。
无现金支付时无法看到手中的真钱，see“看到”符合语境，make“制作”，borrow“借”和invent“发明”与看到金钱的逻辑不符。
6．句意：这就是为什么有些家长仍然教孩子使用小猪存钱罐。
名词短语piggy bank表示“存钱罐”，符合教孩子存钱的语境，若用paper“纸”，golden“金色的”和metal“金属的”无法构成该表达。
7．句意：他们把硬币放进去，看着自己的积蓄累积起来。
存钱罐里的积蓄会累积起来，应用add up“积累”。go over“复习”，think twice“三思”和come up with“提出”均与积蓄增长无关。
8．句意：它能帮助我们实现目标，比如买一本书或去旅行。
根据下文，存钱能帮助我们实现目标，agree“同意”，continue“继续”和inform“通知”均不符合达成目标的语境。
9．句意：我们也应该学会遵守预算，不超支。
下文指出不能超支，动词短语keep to our budget表示“遵守预算”，符合不超支的语境，fill out“填写”，hunt“狩猎”与lay“放置”均与预算管理无关。
10．句意：记住：每一分钱都很重要！
文章倡导培养储蓄习惯、遵守预算，every coin counts表示“每一分钱都很重要”，符合珍惜金钱的语境，borrows“借”和persuades“说服”不符合该习语含义。
11．A 12．D 13．B 14．A 15．D
【导语】本文是说明文，主要讲了预算的定义、作用以及制定预算的具体方法。
11．细节理解题。根据“A budget is a spending plan.”可知，预算即支出计划。故选A。
12．细节理解题。根据“It can help you spend money wisely.”可知，预算帮助我们合理支配金钱。故选D。
13．词句猜测题。根据“Write down all the money you expect to get.”可知，income 指“预期获得的钱”, 即收入。故选B。
14．细节理解题。根据“If we can plan earlier, we can deal with them better.”可知，提前做好规划，就能更好地应对，强调提前计划应对紧急情况的好处。故选A。
15．篇章结构。根据段文文内容可知，本文主要讲的是预算的定义、作用以及制定预算的具体方法。根据“The first step”“The next step”“After”“also”可知，文章按步骤说明如何做预算，故文章为总——分结构。故选D。
16．B 17．A 18．C 19．C 20．C
【导语】本文通过对比物质消费和体验消费，论证了花钱购买体验比购买物质更能带来持久的幸福感。
16．细节理解题。根据“Money can make you happy, only if you spend it in a clever way.”可知，只有当你用明智的方式花钱时，金钱才能让你感到快乐。故选B。
17．词义猜测题。根据第2段划线词“material”的上下文对比（如买车vs旅行、钢笔价格对比等）可知，该词与“体验”相对，指具体的物品，因此material应是意为“物质的”。故选A。
18．推理判断题。根据“If you buy an MP5 and then see a more suitable one, you may regret (后悔) buying the first one.”可类比推知，买手表后看到了更好的，那你也会后悔。故选C。
19．推理判断题。根据“But if you spend a week travelling, it’s more possible that you’ll remember the great experiences, and you’ll remember the feeling for a long time. A new study has found that spending money on experiences makes people happier than on material things.”和“Instead, if you travel to a beautiful place, then no matter where your friends have gone, it won’t make the memory of your trip less happy.”可知，人们会对美好的旅行留下快乐的回忆，且这份回忆不受他人影响。故选C。
20．最佳标题题。本文通过对比物质消费和体验消费，论证了花钱购买体验比购买物质更能带来持久的幸福感，因此C项“把钱花在体验上会让人更快乐”为最佳标题。故选C。
21．C 22．A 23．A 24．B 25．B
【导语】本文主要介绍了儿童零花钱的来源及如何合理使用零花钱的方法。
21．细节理解题。根据第一段“Do you have pocket money Where does it come from ”可知，作者以提问的方式开篇。故选C。
22．细节理解题。根据第二段“In China, parents always give their children pocket money every week or every month.”可知，中国儿童的零花钱通常来自父母。故选A。
23．细节理解题。根据第二段“some children often sell old toys…help their parents wash cars or do chores…helping their neighbors walk their dogs or water flowers”可知，其他国家的儿童可通过出售旧玩具、做家务以及洗车获取零花钱。故选A。
24．细节理解题。根据第三段“A good plan can make them have the right understanding of money.”可知，制定计划能帮助孩子正确认识金钱。故选B。
25．主旨大意题。根据第一段“let’s look at how to make pocket money and use it wisely”以及通读全文可知，本文主要介绍了儿童零花钱的来源及如何合理使用零花钱的方法。故选B。
26．B 27．C 28．C 29．C 30．B
【导语】本文主要讲述了Julia和她的表亲们以不同的方式管理爷爷给的零花钱，最终爷爷认为通过投资学习小提琴来提升自我的Julia才是真正赢家的故事。
26．细节理解题。根据“They often showed off their sweets, which made Clara and Joe angry. Soon, Clara and Joe stopped saving…”可知，Ruben和Nico经常炫耀他们的糖果，这让Clara和Joe感到生气，于是他们才停止存钱开始模仿消费。故选B。
27．细节理解题。根据“He thought of making money by buying and selling small things.”可知，Monty最初的想法是通过买卖小物件来赚钱，即通过交易经商的方式。故选C。
28．细节理解题。根据“After a year, he lent Julia a violin, and they played together in the park.”可知，在教了Julia一年后，小提琴家借给了她一把小提琴。故选C。
29．细节理解题。根据“When Grandpa heard Julia’s story, he smiled and said, ‘Julia is the real winner.’”可知，爷爷在听了Julia的故事后，认为她才是真正的赢家。故选C。
30．主旨大意题。通读全文可知，Alex虽然存了钱但没有增值，Monty赚了钱但挥霍了，而Julia将钱投资在学习小提琴课上，最终不仅赚到了钱还实现了梦想；这告诉我们金钱应该被用来提升自我能力和实现人生目标。故选B。
31．B 32．E 33．D 34．F 35．A
【导语】本文围绕青少年理财展开，介绍了理财专家的建议。
31．根据“Many teenagers want to learn how to manage (管理) money before going out into the world.”和下文内容可知，前文提到青少年需要学习理财，此处作为过渡句，引出“理性管理金钱”的核心主题，与后文专家建议呼应，B项“花钱要精明。”符合语境。故选B。
32．根据“These could include washing a car or taking the dog for a walk.”可知，要通过做杂活赚零花钱，此处表示这样做的原因，E项“在开始之前，就不同工作的价值达成一致。”符合语境。故选E。
33．根据“Put your money in the bank and you can get interest (利息).”可知，前文讲把钱存银行赚利息，此处衔接“长期存钱”，与后文“惊讶于存款数额”逻辑一致，D项“从长远来看，把钱存起来。”符合语境。故选D。
34．根据“Try making a plan for spending and saving.”可知，前文说明要制定收支计划，此处具体说明这一计划，F项“写下你有多少钱，你花了多少钱。”符合语境。故选F。
35．根据“Figure out how much you can reasonably spend each month. Spend your money on what you truly need. Then try to cut down on spending.”可知，后文围绕“合理规划每月支出、优先买必需品、减少消费”展开，核心是“明智消费”，A项“明智地花钱。”可作为段落主题句。故选A。
36．connect
【解析】句意：我们需要将打印机连接到电脑。根据中文提示可知，“连接”对应的英文是connect，位于不定式符号to之后，用动词原形。故填connect。
37．rapid
【解析】句意：我们对他英语的快速进步感到惊讶。根据汉语提示“快速的”可知，此处用形容词rapid，修饰名词progress，符合语境，故填rapid。
38．continue
【解析】句意：短暂休息后我们会继续我们的游戏。根据汉语提示“继续”可知，此处用动词continue，will后接动词原形，故填continue。
39．cash
【解析】句意：电子支付让我们的生活更加方便。即使我们不带现金，我们也可以买东西。cash“现金”，不可数名词，句中作宾语。故填cash。
40．basic
【解析】句意：对学生来说，学习一些基本技能是有意义的。根据汉语提示“基本的”可知，其对应英文为“basic”。此处修饰名词“skills”，用形容词形式作定语。故填basic。
41．sheep/heep
【解析】句意：绵羊是一种长着白色绒毛的农场动物。根据“farm animal with white wool”和首字母提示可知，此处指“绵羊”，sheep“绵羊”，单复数同形，前面有不定冠词A，用单数形式。故填sheep。
42．piggy/iggy
【解析】句意：这个小男孩把他的硬币放在储蓄罐里。根据“puts his coins”和首字母提示可知，此处是名词短语piggy bank“储蓄罐”，piggy作定语修饰bank，故填piggy。
43．growth/rowth
【解析】句意：我们对储蓄的快速增长感到开心。根据“rapid”和首字母提示可知，此处指“增长”，growth“增长；增加”，是不可数名词，符合语境，故填growth。
44．wallet/allet
【解析】句意：我把钱和银行卡放在我的钱包里。根据首字母提示和“money and bank cards”可知，此处指“钱包”，名词wallet“钱包”符合语境。故填wallet。
45．convenient/onvenient
【解析】句意：用手机支付非常方便。根据“to pay by mobile phone”以及首字母提示可知，此处指用手机支付很方便，convenient“方便的”，形容词作表语。故填convenient。
46．as 47．produced 48．trade 49．goods 50．their 51．early 52．to buy 53．when 54．ways 55．widely
【分析】本文是一篇说明文，主要介绍了钱币和商品交换的产生及发展过程，人们过去和现在进行物品交换的不同之处。
46．句意：随着时间的流逝，人们学会了饲养动物和种庄稼。as time passed随着时间的推移，固定短语；故填as。
47．句意：有时，家庭生产超过他们的需要。本句缺谓语动词，根据下文“Later, people began to use money as a means of exchange”，出现了交换，可知生产的东西有了剩余；结合Long long ago，可知动词需用过去式，故填produced。
48．句意：于是他们开始和其他家庭做生意。so所以，表结果；根据上文“Sometimes, families produced more than what they needed”，可知买卖“trade”出现了；start to do sth.开始做某事，故填trade。
49．句意：他们很快发现，硬币比货物更容易携带，而且可以保存很长时间。than比，后接不同的比较对象；根据题干“coins were easier to carry than…”，可知硬币比货物更便于携带，故填goods。
50．句意：后来，其他国家也开始铸造他们自己的硬币。own自己的，前面需加形容词性物主代词；由“other countries”，可知是复数第三人称，故填their。
51．句意：中国是第一个使用纸币的国家，可能早在11世纪。as…as表示同级比较，根据上文“China was the first country to use paper money”，可知as early as符合句意，故填early。
52．句意：他们用纸币买东西。use sth. to do sth.用某物做某事；根据题干“They used paper money…things”，可知是买东西，故填to buy。
53．句意：意大利旅行家马克·波罗(Marco Polo)在13世纪访问中国时就看到了中国人用钱。根据题干“The Italian traveler Marco Polo saw the Chinese using money…he visited China in the 1200s”，可知本句是时间状语从句，故填when。
54．句意：我们有很多支付方式，比如信用卡，微信支付和支付宝。many许多的，修饰复数名词；根据下文的列举“such as credit cards, WeChat payment and Alipay”，可知都是支付方式，故填ways。
55．句意：它们被广泛用于支付物品，因为它们比携带大量“真实”的钱更容易、更安全。use使用，动词需用副词修饰；根据下文“because they are easier and safer than carrying around lots of ‘real’ money”，可知应用广泛；wide“宽广的”是形容词，故填widely。
56．wisely 57．have 58．payment 59．unnecessary 60．rapid 61．will have 62．educational 63．actions 64．personal 65．from
【导语】本文主要介绍了如何明智管理、花费零花钱的实用建议。
56．句意：但是你知道如何明智地花它吗？此处修饰动词spend，需要用副词，wise的副词形式是wisely“明智地”。故填wisely。
57．句意：如果你有一个清晰的计划，你就会知道你的钱花在了哪里。本句是if引导的条件状语从句，遵循“主将从现”原则，从句用一般现在时，主语you是第二人称，谓语动词用原形。故填have。
58．句意：你可以写下你的收入和你的每一笔付款。根据所给音标/ pe m nt/可知，此处填名词payment“付款；支付”，前面有every修饰，用单数形式。故填payment。
59．句意：这可以帮助你避免买不需要的东西。根据语境“避免买东西”，此处用necessary的反义词unnecessary“不需要的”，修饰名词things。故填unnecessary。
60．句意：随着经济的快速发展，储蓄可以帮助你为未来做准备。此处修饰名词growth，需要用形容词，rapidly的形容词形式是 rapid“快速的”。故填rapid。
61．.句意：例如，如果你每个月存50元，一年后你就会有足够的钱买你最喜欢的书或者给父母的礼物。本句是if引导的条件状语从句，遵循“主将从现”原则，主句用一般将来时，故填will have。
62．句意：你可以把钱花在教育类书籍、体育课程和新技能上。此处修饰名词books，需要用形容词，educate的形容词形式是educational“教育的；有教育意义的”。故填educational。
63．句意：这些行为会帮助你成为一个更好的人。空前有These修饰，空处需要用名词复数，act的名词形式为action“行为”，复数是actions，用于指代上文中提到的三种行为方式。故填actions。
64．句意：当你网购时，你应该小心你的个人信息。根据所给音标/ p s nl/可知，此处填形容词 personal“个人的；私人的”，修饰名词information。故填personal。
65．句意：不要把你的银行卡密码给别人，这可以保护你不损失钱。根据“protect you…losing your money”可知，此处是protect sb. from doing sth.“保护某人免受做某事的伤害”。故填from。
66．We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits. 67．Money comes from parents’ hard work. /From parents’ hard work. 68．We should make smart spending choices. 69．Reaching our goal will greatly satisfy us. 70．I think that money is very important/useful/... for me.
【导语】本文是一篇说明文，主要讲述了如何从小培养良好的金钱管理习惯，包括理解金钱的来源、制定预算、设定储蓄目标以及与父母沟通学习金钱的使用等。
66．答案是直接信息题，语篇最后一段提到“learning about money isn’t a hard job. From these lessons, we can get a sense of money management”，结合前文提及的观察父母消费等方式，题干询问“how to start learning to manage money”，对应答案“We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits.”，因此答案是直接信息题。
67．答案是直接信息题，语篇第一段明确说明“We need to know that our parents work hard to make money”，题干询问“where does money come from”，对应答案“Money comes from parents’ hard work. /From parents’ hard work.”，因此答案是直接信息题。
68．答案是直接信息题，语篇第二段提到“Realising that our pocket money can’t cover everything we want, we should make smart spending choices.”，题干与该句表述高度对应，直接提取答案“We should make smart spending choices.”，因此答案是直接信息题。
69．答案是直接信息题，语篇第三段末尾明确指出“Reaching our goal will greatly satisfy us.”，题干直接询问该句内容，直接提取答案，因此答案是直接信息题。
70．答案是观点表达题，题干要求用完整一句话表达对金钱的看法，答案为开放性表述，核心是体现对金钱的正确认知，示例“I think that money is very important/useful for me.”符合题干要求，因此答案是观点表达题。
71．例文
How to Use Pocket Money Wisely
Hello, everyone! I’m Li Hua. Today I’d like to share how to use pocket money wisely.
I get 50 yuan weekly, spending 30 yuan on needs like school supplies and saving 20 yuan in my piggy bank to achieve small goals. I hope to buy useful books with the money I save.
Here’s my advice: First, make a simple budget. Second, think twice before buying what you want. Finally, save a little every time—small amounts add up.
Let’s be smart with our money and save every coin! Thank you!
【解析】[总体分析]
①题材：本文是一篇材料作文；
②时态：一般现在时；
③提示：围绕零花钱的数量、用途、储蓄方式和给同学的建议展开，需覆盖所有内容要点并适当发挥。
[写作步骤]
第一步，说明零花钱数额及主要用途；
第二步，介绍个人储蓄方法（如存钱罐）；
第三步，提出建议，结尾总结意义。
[亮点词汇]
①pocket money零花钱
②piggy bank存钱罐
③budget预算
④think twice三思而后行
[高分句型]
①I get 50 yuan weekly, spending 30 yuan on needs like school supplies（运用了现在分词作状语）
②Let’s be smart with our money and save every coin!（运用了祈使句）
21世纪教育网(www.21cnjy.com)
21世纪教育网(www.21cnjy.com)
/ 让学习更有效 单元培优卷 | 英语学科
2025-2026学年八年级英语下册单元全真模拟培优卷仁爱科普版
（2024）Unit 8 Save Every Coin!
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）
Nowadays, many people prefer to use mobile phones to pay for things. It is 1 and safe. You don’t need to carry a 2 full of cash or cards. Just scan a code and the payment is done 3 a moment.
However, we must be careful with our 4 information when shopping online. Some people may try to steal it. Also, it’s easy to spend too much when you can’t 5 the real money in your hand. That’s why some parents still teach their children to use a 6 bank. They put coins in it and watch their savings 7 .
Saving money is a good habit. It helps us 8 our goals, like buying a book or going on a trip. We should also learn to 9 our budget and not spend more than we have. Remember: every coin 10 !
1．A．difficult B．convenient C．boring D．expensive
2．A．bowl B．menu C．wallet D．basket
3．A．at B．on C．in D．for
4．A．personal B．natural C．digital D．monthly
5．A．see B．make C．borrow D．invent
6．A．piggy B．paper C．golden D．metal
7．A．add up B．go over C．think twice D．come up with
8．A．achieve B．agree C．continue D．inform
9．A．fill out B．keep to C．hunt D．lay
10．A．kills B．borrows C．counts D．persuades
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
A budget is a spending plan. It can help you spend money wisely. It can do this by cutting out spending. So how to make a budget Your budget should meet your family’s needs and income.
The first step is to plan your goals. What does your family need and want You must know this to work out what the budget can do. Keep goals realistic (现实的). Then decide which goals are the most important.
The next step is to find out family income. Write down all the money you expect to get. Before you can plan wisely, you need to know how much money you have to spend!
After you know how much money will be available (可用的), it is time to find out expenses (支出). List all of your family expenses. If you are not happy with what you got for your money, look carefully at your spending. Studying your records will show where overspending (超支) has happened. It will also find out bad buying habits.
It is also a good idea to prepare some money for emergencies (紧急情况). Every family has small emergencies. If we can plan earlier, we can deal with them better.
11．What is a budget according to the passage
A．A spending plan. B．A goal to make money.
C．A record of overspending. D．A way to find out expenses.
12．What benefit (好处) can we get from a budget
A．Help list family expenses. B．Help save a lot of money.
C．Help change buying habits. D．Help spend money in a reasonable way.
13．What does the underlined word “income” in Paragraph 3mean
A．The money you can spend. B．The money you can get.
C．The money you can save. D．The money you want to make.
14．Why is it a good idea to prepare money for emergencies
A．The earlier we plan, the better we can deal with them.
B．People usually spend more than they plan to do.
C．Overspending could help us to deal with the problems.
D．Other people may want to borrow some money from us.
15．What would be the best structure of the passage
A． B． C． D．
B
Money can make you happy, only if you spend it in a clever way.
Buying a new car makes you happy. However, you will forget the feeling when the car gets old. But if you spend a week travelling, it’s more possible that you’ll remember the great experiences, and you’ll remember the feeling for a long time. A new study has found that spending money on experiences makes people happier than on material things.
For material things, it’s possible that you’ll care about every little thing. If you buy a nice pen, and someone else buys one with less money, it’s possible that you may be unhappy because you spend more money. When it comes to experiences like trips, you won’t think like that. If the experience is generally good, you will be happy with the price.
Material things can be compared more easily. If you buy an MP5 and then see a more suitable one, you may regret (后悔) buying the first one. However, if you have a nice dinner at one restaurant, and then learn about another better restaurant, you’ll not regret the first meal.
Material things can cause jealousy (嫉妒). For example, if you buy a new toy and find that your friend has a better toy, you’ll feel unhappy. Instead, if you travel to a beautiful place, then no matter where your friends have gone, it won’t make the memory of your trip less happy.
16．When will money make you happy
A．When you buy a car.
B．When you spend it in a clever way.
C．When you care about everything.
17．What does the underlined word “material” in Paragraph 2 mean in Chinese
A．物质的 B．精神的 C．便宜的
18．What may you do if you buy a watch and then see a better one in a magazine
A．Buy a better one. B．Ask for your money back. C．Regret buying the first one.
19．What may the passage tell us
A．Material things may not cause jealousy.
B．People always regret buying things.
C．People will have happy memories of wonderful travelling.
20．What may be the best title for the passage
A．Material things can cause jealousy.
B．Buying experiences is generally good.
C．Spending money on experiences makes people happier.
C
Do you have pocket money Where does it come from Now, let’s look at how to make pocket money and use it wisely.
In China, parents always give their children pocket money every week or every month. In some other countries, some children often sell old toys. Some children help their parents wash cars or do chores to get pocket money. Children can also get pocket money by helping their neighbors (邻居) walk their dogs or water flowers.
How much money do I have Where can I spend my money Many children may have the same question. They make plans and decide to spend the money or save it. A good plan can make them have the right understanding of money. And it’s a good thing for children to start making money by themselves. And children can make a note (记录). It can help child ren know where their money goes. Then they may use their money wisely.
Do you have any good ideas on how to make pocket money and use it wisely
21．How does the writer start the text
A．By giving examples. B．By listing numbers (数字).
C．By asking questions. D．By introducing ideas.
22．Who always gives Chinese children pocket money
A．Their parents. B．Their schools.
C．Their grandparents. D．Their brothers or sisters.
23．How can children get pocket money in some other countries
①By selling old toys. ②By doing chores.
③By washing cars. ④By selling school things.
A．①②③ B．①②④ C．①③④ D．②③④
24．Why should children make plans about their pocket money
A．To get more pocket money from parents.
B．To have a right understanding of money.
C．To buy more interesting things.
D．To make their parents happy.
25．What is the main idea of the text
A．Where is the pocket money from
B．How to make and use pocket money wisely
C．How many ways can we make pocket money
D．Why do we need to make plans to use pocket money
D
Julia and her cousins visited their grandparents every month. Each time, their grandpa gave them some coins. The kids usually rushed to buy sweets with the money. One day, Grandpa called all the children together and said, “Let’s have a money-management competition. Tell me how you’ve used your coins at the end of the year.”
Ruben and Nico, the youngest two, kept buying sweets with all their money. They often showed off their sweets, which made Clara and Joe angry. Soon, Clara and Joe stopped saving and started spending like Ruben and Nico.
Monty was a smart boy. He thought of making money by buying and selling small things. With little effort, he earned a lot quickly. But he then began to buy expensive things for himself. In a few months, he had no money left at all.
Alex saved every coin he got. By the end of the year, he had more money than anyone else and seemed to be the winner.
Julia, however, had no money left on the competition day. She had spent all her coins on violin lessons. She knew a poor violinist who played in the park. Julia offered him all her coins to learn the violin. The violinist was moved by her enthusiasm and agreed to teach her. After a year, he lent Julia a violin, and they played together in the park. Their performance was a hit, and Julia earned enough money to buy her own violin. Years later, she became a famous violinist. When Grandpa heard Julia’s story, he smiled and said, “Julia is the real winner.”
26．Why did Clara and Joe stop saving money
A．They wanted to join the competition.
B．They were angry about Ruben and Nico’s showing off.
C．Grandpa told them not to save money.
D．They needed money to buy school things.
27．How did Monty manage his money at first
A．He saved all his coins.
B．He bought sweets for himself.
C．He made money by trading things.
D．He spent it on violin lessons.
28．What did the violinist do after teaching Julia for a year
A．He gave Julia a new violin as a gift.
B．He asked Julia to teach other kids.
C．He lent a violin to Julia.
D．He invited Julia to his concert.
29．Who did Grandpa think was the real winner
A．Alex. B．Monty. C．Julia. D．Clara.
30．What can we learn from the story
A．Saving money is the only way to manage money well.
B．Money should be used to develop oneself and achieve goals.
C．Showing off wealth is a bad habit.
D．It’s useless to make money by buying and selling things.
第三部分 信息还原（共5小题；每小题1分，满分5分）
请先阅读下面短文，掌握其大意，然后根据短文内容从下面七个选项中选择五个还原到文中，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。
Money may not buy happiness, but it helps. Many teenagers want to learn how to manage (管理) money before going out into the world. 31 This idea is raised by Dr. Mara Harvey, a money expert. Here are some of her tips.
Learn to make money. Ask parents or neighbors if you can do chores to make pocket money. These could include washing a car or taking the dog for a walk. 32 In this way, you can also improve your communication (交流) skills, which will help when you have a grown-up job, too.
Help your money grow. Money can’t grow if it’s sitting inside a piggy bank (存钱罐). Put your money in the bank and you can get interest (利息). 33 One day you may feel surprised at how much money you have.
Make a plan. If you have a big event, such as a holiday coming up, it might mean you will need to spend more of your pocket money. Try making a plan for spending and saving. 34 Then it will help you take control of your money.
35 Figure out how much you can reasonably spend each month. Spend your money on what you truly need. Then try to cut down on spending. For example, rather than eating out, you can choose to cook at home.
A．Spend your money wisely.
B．Be smart with your money.
C．Set a goal (目标) of saving money.
D．Save your money in the long run.
E．Agree on the value (价值) of different jobs before you start.
F．Write down how much money you have and how much you are spending.
G．The value of jobs depends on how much money you are paid for the jobs.
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．We need to ________ (连接) the printer to the computer.
37．We are surprised at his ________ (快速的) progress in English.
38．We will ________ (继续) our game after a short rest.
39．E-payment makes our life more convenient. We can buy things even if we don’t carry any ________ (现金).
40．It’s meaningful for students to learn some ________ (基本的) skills.
41．A s________ is a kind of farm animal with white wool.
42．The little boy puts his coins in a p________ bank.
43．We are happy with the rapid g________ of our savings.
44．I put my money and bank cards in my w________.
45．It’s very c________ to pay by mobile phone.
阅读短文，从方框中选出正确的词并用其适当形式填空，使短文通顺、意思完整。每空限填一词，每词限用一次。
trade, produce， good， buy， when， wide， ways， as， their, early
Long long ago, people did not need money. They lived on wild animals, fruits and other plants. And 46 time passed, people learned to raise animals and crops.
Sometimes, families 47 more than what they needed. So they started to 48 with other families. Later, people began to use money as a means of exchange. However, it was not the kind of money we use today. They used shells, rice, salt, large stones and so on.
During the 600s B．C．, people began to use coins as money. They soon found that coins were easier to carry than 49 and it lasted a long time. And then other countries began to make 50 own coins.
China was the first country to use paper money, probably as 51 as in the 11th century. They used paper money 52 things. The Italian traveler Marco Polo saw the Chinese using money 53 he visited China in the 1, 200s. However, European countries didn’t start using paper money until 1, 600s.
Today, we sometimes don't use coins or paper money. We have many 54 to pay for things, such as credit cards, WeChat payment and Alipay. They are used 55 to pay for things because they are easier and safer than carrying around lots of “real”money.
第五部分 短文填空（共10小题；每小题1分，满分10分）
阅读下面短文，根据语境、音标或所给单词的提示，在每个空格内填入一个恰当的词，要求所填的词意义准确、形式正确，使短文意思完整、行文连贯。
Nowadays, more and more teenagers get pocket money from their parents. But do you know how to spend it 56 (wise) Here is some advice for you.
First, make a plan before you spend. If you 57 (have) a clear plan, you will know where your money goes. You can write down your income and every 58 / pe m nt/ you make. This can help you avoid buying 59 (necessary) things. Second, save some money every month. You can put your money into a piggy bank, or save it in the bank. With the 60 (rapidly) growth of the economy, saving can help you prepare for your future. For example, if you save 50 yuan every month, you 61 (have) enough money to buy your favorite books or gifts for your parents one year later. Third, use your money to improve yourself. You can spend money on things like 62 (educate) books, sports classes and new skills. These 63 (act) will help you become a better person. Fourth, learn to protect yourself. When you shop online, you should be careful with your 64 / p s nl/ information. Don’t give your bank card password to others, and this can protect you 65 losing your money. At last, remember: money is a useful tool, but it can’t buy everything. If you learn to manage your pocket money well, you will have a better understanding of money and life.
阅读表达（共5小题；每小题2分，满分10分）
Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make.
We shouldn’t spend all our money in one go. It’s important for us to have a budget (预算). In other words, we need to think about how much money we have and what we really want to spend it on. Realising that our pocket money can’t cover everything we want, we should make smart spending choices.
We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satisfy us.
We can talk with our parents about how money is used and where money goes. Do you know what a bank account (账户) is If not, communicate with your parents. We can also go to the supermarket with our parents to experience how money is spent in the real world.
Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step!
根据语篇内容回答问题，将答案填写在横线上。
66．How do we start learning to manage money at an early age
67．According to the passage, where does money come from
68．What should we do if our pocket money can’t cover everything we want
69．What will greatly satisfy us according to Paragraph 3
70．What do you think of money (请用完整的一句话回答。)
书面表达（共1题；满分25分）
71．假设你是李华，你校英语角将讨论“如何合理使用零花钱”。请你写一篇英文短文，谈谈你的做法和建议。
内容提示：
1. 你每周有多少零花钱；
2. 你通常用零花钱做什么；
3. 你如何存钱；
4. 给同学的建议（如制定预算、不浪费等）。
要求：
1. 语句通顺，意思连贯，可适当发挥；
2. 不少于80词。
How to Use 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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参考答案及试题解析
1．B 2．C 3．C 4．A 5．A 6．A 7．A 8．A 9．B 10．C
【导语】本文是说明文，介绍了移动支付的便利与风险，并强调了培养储蓄习惯、遵守预算的重要性。
1．句意：它既方便又安全。
根据上文“many people prefer to use mobile phones to pay”，移动支付的特点是方便且安全，应选用convenient，表示 “方便的”，difficult“困难的”，boring“无聊的”与expensive“昂贵的”均不符合语境。
2．句意：你不需要随身携带一个装满现金或卡片的钱包。
根据“full of cash or cards”，装现金和卡片的物品是 wallet“钱包”，bowl“碗”，menu“菜单”，basket“篮子”均与装钱和卡无关。
3．句意：只需扫一下码，付款片刻就完成了。
介词短语in a moment表示 “立刻、马上”，符合扫码后付款瞬间完成的语境，其余介词无法构成该搭配。
4．句意：然而，我们在网上购物时必须注意保护自己的个人信息。
下文指出一些人会偷取个人信息，强调保护个人信息，应用personal“个人的”。natural“自然的”，digital“数字的”，monthly“每月的”均不符合信息保护的语境。
5．句意：而且，当你无法看到手中的真钱时，很容易花太多钱。
无现金支付时无法看到手中的真钱，see“看到”符合语境，make“制作”，borrow“借”和invent“发明”与看到金钱的逻辑不符。
6．句意：这就是为什么有些家长仍然教孩子使用小猪存钱罐。
名词短语piggy bank表示“存钱罐”，符合教孩子存钱的语境，若用paper“纸”，golden“金色的”和metal“金属的”无法构成该表达。
7．句意：他们把硬币放进去，看着自己的积蓄累积起来。
存钱罐里的积蓄会累积起来，应用add up“积累”。go over“复习”，think twice“三思”和come up with“提出”均与积蓄增长无关。
8．句意：它能帮助我们实现目标，比如买一本书或去旅行。
根据下文，存钱能帮助我们实现目标，agree“同意”，continue“继续”和inform“通知”均不符合达成目标的语境。
9．句意：我们也应该学会遵守预算，不超支。
下文指出不能超支，动词短语keep to our budget表示“遵守预算”，符合不超支的语境，fill out“填写”，hunt“狩猎”与lay“放置”均与预算管理无关。
10．句意：记住：每一分钱都很重要！
文章倡导培养储蓄习惯、遵守预算，every coin counts表示“每一分钱都很重要”，符合珍惜金钱的语境，borrows“借”和persuades“说服”不符合该习语含义。
11．A 12．D 13．B 14．A 15．D
【导语】本文是说明文，主要讲了预算的定义、作用以及制定预算的具体方法。
11．细节理解题。根据“A budget is a spending plan.”可知，预算即支出计划。故选A。
12．细节理解题。根据“It can help you spend money wisely.”可知，预算帮助我们合理支配金钱。故选D。
13．词句猜测题。根据“Write down all the money you expect to get.”可知，income 指“预期获得的钱”, 即收入。故选B。
14．细节理解题。根据“If we can plan earlier, we can deal with them better.”可知，提前做好规划，就能更好地应对，强调提前计划应对紧急情况的好处。故选A。
15．篇章结构。根据段文文内容可知，本文主要讲的是预算的定义、作用以及制定预算的具体方法。根据“The first step”“The next step”“After”“also”可知，文章按步骤说明如何做预算，故文章为总——分结构。故选D。
16．B 17．A 18．C 19．C 20．C
【导语】本文通过对比物质消费和体验消费，论证了花钱购买体验比购买物质更能带来持久的幸福感。
16．细节理解题。根据“Money can make you happy, only if you spend it in a clever way.”可知，只有当你用明智的方式花钱时，金钱才能让你感到快乐。故选B。
17．词义猜测题。根据第2段划线词“material”的上下文对比（如买车vs旅行、钢笔价格对比等）可知，该词与“体验”相对，指具体的物品，因此material应是意为“物质的”。故选A。
18．推理判断题。根据“If you buy an MP5 and then see a more suitable one, you may regret (后悔) buying the first one.”可类比推知，买手表后看到了更好的，那你也会后悔。故选C。
19．推理判断题。根据“But if you spend a week travelling, it’s more possible that you’ll remember the great experiences, and you’ll remember the feeling for a long time. A new study has found that spending money on experiences makes people happier than on material things.”和“Instead, if you travel to a beautiful place, then no matter where your friends have gone, it won’t make the memory of your trip less happy.”可知，人们会对美好的旅行留下快乐的回忆，且这份回忆不受他人影响。故选C。
20．最佳标题题。本文通过对比物质消费和体验消费，论证了花钱购买体验比购买物质更能带来持久的幸福感，因此C项“把钱花在体验上会让人更快乐”为最佳标题。故选C。
21．C 22．A 23．A 24．B 25．B
【导语】本文主要介绍了儿童零花钱的来源及如何合理使用零花钱的方法。
21．细节理解题。根据第一段“Do you have pocket money Where does it come from ”可知，作者以提问的方式开篇。故选C。
22．细节理解题。根据第二段“In China, parents always give their children pocket money every week or every month.”可知，中国儿童的零花钱通常来自父母。故选A。
23．细节理解题。根据第二段“some children often sell old toys…help their parents wash cars or do chores…helping their neighbors walk their dogs or water flowers”可知，其他国家的儿童可通过出售旧玩具、做家务以及洗车获取零花钱。故选A。
24．细节理解题。根据第三段“A good plan can make them have the right understanding of money.”可知，制定计划能帮助孩子正确认识金钱。故选B。
25．主旨大意题。根据第一段“let’s look at how to make pocket money and use it wisely”以及通读全文可知，本文主要介绍了儿童零花钱的来源及如何合理使用零花钱的方法。故选B。
26．B 27．C 28．C 29．C 30．B
【导语】本文主要讲述了Julia和她的表亲们以不同的方式管理爷爷给的零花钱，最终爷爷认为通过投资学习小提琴来提升自我的Julia才是真正赢家的故事。
26．细节理解题。根据“They often showed off their sweets, which made Clara and Joe angry. Soon, Clara and Joe stopped saving…”可知，Ruben和Nico经常炫耀他们的糖果，这让Clara和Joe感到生气，于是他们才停止存钱开始模仿消费。故选B。
27．细节理解题。根据“He thought of making money by buying and selling small things.”可知，Monty最初的想法是通过买卖小物件来赚钱，即通过交易经商的方式。故选C。
28．细节理解题。根据“After a year, he lent Julia a violin, and they played together in the park.”可知，在教了Julia一年后，小提琴家借给了她一把小提琴。故选C。
29．细节理解题。根据“When Grandpa heard Julia’s story, he smiled and said, ‘Julia is the real winner.’”可知，爷爷在听了Julia的故事后，认为她才是真正的赢家。故选C。
30．主旨大意题。通读全文可知，Alex虽然存了钱但没有增值，Monty赚了钱但挥霍了，而Julia将钱投资在学习小提琴课上，最终不仅赚到了钱还实现了梦想；这告诉我们金钱应该被用来提升自我能力和实现人生目标。故选B。
31．B 32．E 33．D 34．F 35．A
【导语】本文围绕青少年理财展开，介绍了理财专家的建议。
31．根据“Many teenagers want to learn how to manage (管理) money before going out into the world.”和下文内容可知，前文提到青少年需要学习理财，此处作为过渡句，引出“理性管理金钱”的核心主题，与后文专家建议呼应，B项“花钱要精明。”符合语境。故选B。
32．根据“These could include washing a car or taking the dog for a walk.”可知，要通过做杂活赚零花钱，此处表示这样做的原因，E项“在开始之前，就不同工作的价值达成一致。”符合语境。故选E。
33．根据“Put your money in the bank and you can get interest (利息).”可知，前文讲把钱存银行赚利息，此处衔接“长期存钱”，与后文“惊讶于存款数额”逻辑一致，D项“从长远来看，把钱存起来。”符合语境。故选D。
34．根据“Try making a plan for spending and saving.”可知，前文说明要制定收支计划，此处具体说明这一计划，F项“写下你有多少钱，你花了多少钱。”符合语境。故选F。
35．根据“Figure out how much you can reasonably spend each month. Spend your money on what you truly need. Then try to cut down on spending.”可知，后文围绕“合理规划每月支出、优先买必需品、减少消费”展开，核心是“明智消费”，A项“明智地花钱。”可作为段落主题句。故选A。
36．connect
【解析】句意：我们需要将打印机连接到电脑。根据中文提示可知，“连接”对应的英文是connect，位于不定式符号to之后，用动词原形。故填connect。
37．rapid
【解析】句意：我们对他英语的快速进步感到惊讶。根据汉语提示“快速的”可知，此处用形容词rapid，修饰名词progress，符合语境，故填rapid。
38．continue
【解析】句意：短暂休息后我们会继续我们的游戏。根据汉语提示“继续”可知，此处用动词continue，will后接动词原形，故填continue。
39．cash
【解析】句意：电子支付让我们的生活更加方便。即使我们不带现金，我们也可以买东西。cash“现金”，不可数名词，句中作宾语。故填cash。
40．basic
【解析】句意：对学生来说，学习一些基本技能是有意义的。根据汉语提示“基本的”可知，其对应英文为“basic”。此处修饰名词“skills”，用形容词形式作定语。故填basic。
41．sheep/heep
【解析】句意：绵羊是一种长着白色绒毛的农场动物。根据“farm animal with white wool”和首字母提示可知，此处指“绵羊”，sheep“绵羊”，单复数同形，前面有不定冠词A，用单数形式。故填sheep。
42．piggy/iggy
【解析】句意：这个小男孩把他的硬币放在储蓄罐里。根据“puts his coins”和首字母提示可知，此处是名词短语piggy bank“储蓄罐”，piggy作定语修饰bank，故填piggy。
43．growth/rowth
【解析】句意：我们对储蓄的快速增长感到开心。根据“rapid”和首字母提示可知，此处指“增长”，growth“增长；增加”，是不可数名词，符合语境，故填growth。
44．wallet/allet
【解析】句意：我把钱和银行卡放在我的钱包里。根据首字母提示和“money and bank cards”可知，此处指“钱包”，名词wallet“钱包”符合语境。故填wallet。
45．convenient/onvenient
【解析】句意：用手机支付非常方便。根据“to pay by mobile phone”以及首字母提示可知，此处指用手机支付很方便，convenient“方便的”，形容词作表语。故填convenient。
46．as 47．produced 48．trade 49．goods 50．their 51．early 52．to buy 53．when 54．ways 55．widely
【分析】本文是一篇说明文，主要介绍了钱币和商品交换的产生及发展过程，人们过去和现在进行物品交换的不同之处。
46．句意：随着时间的流逝，人们学会了饲养动物和种庄稼。as time passed随着时间的推移，固定短语；故填as。
47．句意：有时，家庭生产超过他们的需要。本句缺谓语动词，根据下文“Later, people began to use money as a means of exchange”，出现了交换，可知生产的东西有了剩余；结合Long long ago，可知动词需用过去式，故填produced。
48．句意：于是他们开始和其他家庭做生意。so所以，表结果；根据上文“Sometimes, families produced more than what they needed”，可知买卖“trade”出现了；start to do sth.开始做某事，故填trade。
49．句意：他们很快发现，硬币比货物更容易携带，而且可以保存很长时间。than比，后接不同的比较对象；根据题干“coins were easier to carry than…”，可知硬币比货物更便于携带，故填goods。
50．句意：后来，其他国家也开始铸造他们自己的硬币。own自己的，前面需加形容词性物主代词；由“other countries”，可知是复数第三人称，故填their。
51．句意：中国是第一个使用纸币的国家，可能早在11世纪。as…as表示同级比较，根据上文“China was the first country to use paper money”，可知as early as符合句意，故填early。
52．句意：他们用纸币买东西。use sth. to do sth.用某物做某事；根据题干“They used paper money…things”，可知是买东西，故填to buy。
53．句意：意大利旅行家马克·波罗(Marco Polo)在13世纪访问中国时就看到了中国人用钱。根据题干“The Italian traveler Marco Polo saw the Chinese using money…he visited China in the 1200s”，可知本句是时间状语从句，故填when。
54．句意：我们有很多支付方式，比如信用卡，微信支付和支付宝。many许多的，修饰复数名词；根据下文的列举“such as credit cards, WeChat payment and Alipay”，可知都是支付方式，故填ways。
55．句意：它们被广泛用于支付物品，因为它们比携带大量“真实”的钱更容易、更安全。use使用，动词需用副词修饰；根据下文“because they are easier and safer than carrying around lots of ‘real’ money”，可知应用广泛；wide“宽广的”是形容词，故填widely。
56．wisely 57．have 58．payment 59．unnecessary 60．rapid 61．will have 62．educational 63．actions 64．personal 65．from
【导语】本文主要介绍了如何明智管理、花费零花钱的实用建议。
56．句意：但是你知道如何明智地花它吗？此处修饰动词spend，需要用副词，wise的副词形式是wisely“明智地”。故填wisely。
57．句意：如果你有一个清晰的计划，你就会知道你的钱花在了哪里。本句是if引导的条件状语从句，遵循“主将从现”原则，从句用一般现在时，主语you是第二人称，谓语动词用原形。故填have。
58．句意：你可以写下你的收入和你的每一笔付款。根据所给音标/ pe m nt/可知，此处填名词payment“付款；支付”，前面有every修饰，用单数形式。故填payment。
59．句意：这可以帮助你避免买不需要的东西。根据语境“避免买东西”，此处用necessary的反义词unnecessary“不需要的”，修饰名词things。故填unnecessary。
60．句意：随着经济的快速发展，储蓄可以帮助你为未来做准备。此处修饰名词growth，需要用形容词，rapidly的形容词形式是 rapid“快速的”。故填rapid。
61．.句意：例如，如果你每个月存50元，一年后你就会有足够的钱买你最喜欢的书或者给父母的礼物。本句是if引导的条件状语从句，遵循“主将从现”原则，主句用一般将来时，故填will have。
62．句意：你可以把钱花在教育类书籍、体育课程和新技能上。此处修饰名词books，需要用形容词，educate的形容词形式是educational“教育的；有教育意义的”。故填educational。
63．句意：这些行为会帮助你成为一个更好的人。空前有These修饰，空处需要用名词复数，act的名词形式为action“行为”，复数是actions，用于指代上文中提到的三种行为方式。故填actions。
64．句意：当你网购时，你应该小心你的个人信息。根据所给音标/ p s nl/可知，此处填形容词 personal“个人的；私人的”，修饰名词information。故填personal。
65．句意：不要把你的银行卡密码给别人，这可以保护你不损失钱。根据“protect you…losing your money”可知，此处是protect sb. from doing sth.“保护某人免受做某事的伤害”。故填from。
66．We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits. 67．Money comes from parents’ hard work. /From parents’ hard work. 68．We should make smart spending choices. 69．Reaching our goal will greatly satisfy us. 70．I think that money is very important/useful/... for me.
【导语】本文是一篇说明文，主要讲述了如何从小培养良好的金钱管理习惯，包括理解金钱的来源、制定预算、设定储蓄目标以及与父母沟通学习金钱的使用等。
66．答案是直接信息题，语篇最后一段提到“learning about money isn’t a hard job. From these lessons, we can get a sense of money management”，结合前文提及的观察父母消费等方式，题干询问“how to start learning to manage money”，对应答案“We start learning to manage money by watching our parents’ spending habits./By watching our parents’ spending habits.”，因此答案是直接信息题。
67．答案是直接信息题，语篇第一段明确说明“We need to know that our parents work hard to make money”，题干询问“where does money come from”，对应答案“Money comes from parents’ hard work. /From parents’ hard work.”，因此答案是直接信息题。
68．答案是直接信息题，语篇第二段提到“Realising that our pocket money can’t cover everything we want, we should make smart spending choices.”，题干与该句表述高度对应，直接提取答案“We should make smart spending choices.”，因此答案是直接信息题。
69．答案是直接信息题，语篇第三段末尾明确指出“Reaching our goal will greatly satisfy us.”，题干直接询问该句内容，直接提取答案，因此答案是直接信息题。
70．答案是观点表达题，题干要求用完整一句话表达对金钱的看法，答案为开放性表述，核心是体现对金钱的正确认知，示例“I think that money is very important/useful for me.”符合题干要求，因此答案是观点表达题。
71．例文
How to Use Pocket Money Wisely
Hello, everyone! I’m Li Hua. Today I’d like to share how to use pocket money wisely.
I get 50 yuan weekly, spending 30 yuan on needs like school supplies and saving 20 yuan in my piggy bank to achieve small goals. I hope to buy useful books with the money I save.
Here’s my advice: First, make a simple budget. Second, think twice before buying what you want. Finally, save a little every time—small amounts add up.
Let’s be smart with our money and save every coin! Thank you!
【解析】[总体分析]
①题材：本文是一篇材料作文；
②时态：一般现在时；
③提示：围绕零花钱的数量、用途、储蓄方式和给同学的建议展开，需覆盖所有内容要点并适当发挥。
[写作步骤]
第一步，说明零花钱数额及主要用途；
第二步，介绍个人储蓄方法（如存钱罐）；
第三步，提出建议，结尾总结意义。
[亮点词汇]
①pocket money零花钱
②piggy bank存钱罐
③budget预算
④think twice三思而后行
[高分句型]
①I get 50 yuan weekly, spending 30 yuan on needs like school supplies（运用了现在分词作状语）
②Let’s be smart with our money and save every coin!（运用了祈使句）
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