Question

【题目】Most likely, you aren’t the family breadwinner. But doing a small job or getting a weekly allowance 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 gone 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 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, list your sources 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.

Sample Monthly Budget

Monthly income	Amount	Monthly Expenses	Amount
Allowance	$ 20.00	Snacks	$ 26.00
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 Rentals	$ 10.00
Total:	$ 87.50	Total：	$ 66.00

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!

【1】The purpose of making a budget is to help people ___.

A. learn to be realistic

B. manage their money well

C. increase their savings

D. test their power of self-control

【2】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.

【3】Who is the passage written for?

A. Bank manager B. Parents

C. Breadwinners D. Children

Answer 1

【答案】

【1】B

【2】A

【3】D

【解析】

试题分析：本文介绍了做预算的方法：如实记录所花费的数目、尽量少花钱，最后你会发现自己不仅不超支，而且还可以攒钱。

【1】细节理解题。根据第二段的Whether you are tracking your spending or saving for something special, creating a budget can help you deal with expenses and plan for the future.可知，做预算的目的是帮助你更好地管理钱。故选择B。

【2】细节理解题。根据倒数第二段的Budgets are not complex, but sticking to them can be tough. When planning your budget, be realistic about your expenses.可知，理财预算时，一定要实事求是。故选择A。

【3】细节理解题。根据第一段的Most likely, you aren’t the family breadwinner.以及 For kids and grown-ups alike money is easy to spend.可知，本文是写给青少年或孩子的。故选择D。