Question

【题目】 For many freshmen (新生), this will really be your first time to handle money on your own. You will have difficulty handling budgets. Here are some amazing tips for you.

Keep track of personal finances

【1】. This is how you become truly independent. Actually, in this case, there are now a lot of convenient APPs on your smart phone that can give you a real time image of your money and spending.

Use credit responsibly

Building credit is important, and so is opening your first credit card. 【2】. Then, look for a card with no annual fee, good rewards and a reasonable interest rate.

【3】

The easiest way to start is to save all your coins and changes every week into a savings account with no ATM card. This seemingly insignificant amount adds up over time and starts the habit of saving.

Get a flexible job

Getting a job in college is practical, because you can earn “spending money” and even save some to put toward books, supplies, and your student loans. 【4】, which have limited responsibilities. These types of work allow you to make money and finish your schooling.

Network for your future career

No money item could be more important than your network, because the quickest way to get a job is all about who you know, and not totally dependent on your grades. 【5】.

A.Learn to start saving a little each month

B.There are many on-campus jobs out there

C.The first step is to start keeping accounts for yourself

D.Ask the salespeople to explain detailed points to you

E.Open an account without delay when it’s convenient

F.But your job can have a negative effect on your study

G.This could benefit you more than opening up a credit card

Answer 1

【答案】

【1】C

【2】D

【3】A

【4】B

【5】G

【解析】

这是一篇议论文。文章向新生介绍了处理预算的一些小妙招。

【1】

由小标题“记录个人财务状况”可知，承接上文，C选项“第一步是开始自己记账”切题；该选项中的keeping accounts对应上文的Keep track of personal finances。故选C项。

【2】

由小标题“负责任地使用信用卡”和上一句“建立信用卡很重要，开第一张信用卡也很重要。”和下一句“然后，找一张不收年费、奖励丰厚、利率合理的卡。”可知，承接上下文，D选项“请销售人员向您详细说明要点”切题；开信用卡很重要，所以要销售人员详细说明要点，以便选一张合适的信用卡。故选D项。

【3】

由下一句“最简单的方法就是每周把你所有的硬币和零钱存到一个没有ATM卡的储蓄账户里。”可知，引起下文，A选项“学会每月储蓄一点”切题；该选项中的saving a little each month对应下文中的save all your coins and changes every week。故选A项。

【4】

由上一句“在大学里找一份工作是很实际的，因为你可以挣到“要花的钱”，甚至可以省下一些钱，用来买书、买东西和学生贷款。”可知，承接上文，B选项“校园里有很多工作”切题；该选项中的on-campus jobs对应上文中的Getting a job in college。故选B项。

【5】

由上一句“你的人际网络比你的钱重要多了，因为找到工作最快的方法就是你认识谁，而不是完全依赖你的成绩。”可知，承接上文，G选项“这比开信用卡对你的好处还多”切题；说明建立人际网络比开信用卡还好处多。故选G项。