Most likely, you aren’t the family breadwinner. But doing a small job or getting a weekly

Most likely, you aren’t the family breadwinner. But doing a small job or getting a weekly allowance (零花钱) would put some money in your pocket. For kids and grown-ups alike, money is easy to spend. If you aren’t careful, it can be going in no time.
　　Being responsible with your money is an important skill to learn — and the sooner you start the better. Whether you are tracking your spending or saving for something special, creating a budget can help you deal with your expenses and plan for the future. All you need are paper and a pencil — and some self-control.
　　First, take a look at our sample monthly budget. Then, use a separate sheet of paper to plan your own. In the first two columns (栏), list your sources (来源) of income and how much you expect to earn from them. In the third and fourth columns, list what you expect to spend your money on and the amount.
　　The left-hand total should be more than or equal to the right-hand total. If it is, you have an effective budget. Budgets are not complex, but sticking to them can be tough. When planning your budget, be realistic about your expenses. If you know that you drop $18 at a movie, don’t write $12 in that space simply because you wish you were spending less.
　　If you are eyeing a big purchase, such as a $150 skateboard, spend less and save more until you have the total amount. No matter how attractive it may be, avoid spending your savings. One day, you will thank yourself!
Monthly Income
Amount
Monthly Expense
Amount
Allowance
$20.00
Snacks
$20.00
Money earned selling drinks
$25.00
Music downloads
$12.00
Money earned babysitting
$12.50
Movies
$18.00
Money earned delivering newspapers
$30.00
Video rental
$10.00
Total
$87.50
Total
$66.00
【小题1】Who is the passage written for?A．Children.B．Parents.C．Breadwinners.D．Bank managers.【小题2】The purpose of making a budget is to help people .A．learn to be realisticB．increase their savingC．manage their money wellD．test their power-control【小题3】What should people do when planning a budget?A．Fill in the expenses as they really are.　　B．Avoid spending money on expensive things.C．Set aside a fixed amount of money as savings.D．List income and expenses on two pieces of paper.【小题4】Which of the following budgets is effective?
A
Monthly Income
Amount
Monthly Expense
Amount
Allowance
$20.00
Money earned walking dogs
$20.00
Bus fares
$40.00
Movies
$28.00
Total
$60.00
Total
$48.00
B
Monthly Income
Amount
Monthly Expense
Amount
Allowance
$20.00
Movies
$30.00
Money earned washing cars
$10.00
Bus fares
$10.00
Total
$30.00
Total
$40.00
C
Monthly Income
Amount
Monthly Expense
Amount
Allowance
$27.50
Money earned brushing shoes
$22.00
Money earned washing dishes
$22.50
Birthday gifts
$28.00
Total
$50.00
Total
$50.00
D
Monthly Income
Amount
Monthly Expense
Amount
Allowance
$26.00
Video rental
$22.00
Money earned doing yard work
$24.00
Birthday gifts
$28.00
Total
$50.00
Total
$50.00
【小题5】The passage mainly tells us . A．the importance of making a budgetB．how to make a budgetC．how to form good habitsD．how to spend moneyA

(答案→)A 解析：文章介绍虽然孩子不是养家的人，但是通过做些工作，可以挣一些零花钱，如果能对这些钱做好预算，可以更好的理财。【小题1】考 查 短 文 的 目 标 读 者 。 由 短 文 中 提 到 的aren’t…breadwinner，allowance 及 For kids 推断，短文主要是给孩子看的，教他们怎么合理花钱，故答案为A【小题2】细节题：本题考查某人做某事的目的，且与理财有关。问题是问做预算的目的。由短文中提到的 creating a budget can help youdeal with your expenses and plan for the future 可知，答案为C“帮助人们更好地理财”。【小题3】细节题：问题询问计划预算时人们应该做什么。短文中的 When planning your budget be realistic about yourexpenses. If…you drop 18…don’t write 12…表明人们在做预算的时候，填写费用的时候根据实际情况，答案为A。【小题4】细节题：从表格上看AC Monthly Income和 Monthly expenses都不对，B表格里面开支比收入多，也不符合要求，所以选D【小题5】主旨题：从第二段的句子：Whether you are tracking your spending or saving for something special, creating a budget can help you deal with your expenses and plan for the future. All you need are paper and a pencil — and some self-control.可知这篇文章讲的是如何做预算。选B。

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