1选择题
The charity concert, _______ funds will be used to build a library in the village, has attracted widespread attention.
- A. which
- B. that
- C. whose
- D. what
答案：C
解析：本题考查非限制性定语从句中关系代词的选择。分析句子结构，主句为‘The charity concert has attracted widespread attention’，逗号后为非限制性定语从句，修饰先行词‘The charity concert’。从句‘_______ funds will be used...’中，‘funds’是名词，与先行词‘The charity concert’之间是所属关系（音乐会的资金），因此需要关系代词whose在从句中作定语，修饰funds。A项which不能表示所属关系；B项that不能引导非限制性定语从句；D项what不能引导定语从句。故选C。
2选择题
If I _______ you, I would invest a part of my monthly allowance in a low-risk fund to start learning about finance early.
答案：C
解析：本题考查虚拟语气在条件句中的应用。句意：如果我是你，我会将一部分零花钱投资于低风险基金，以尽早学习理财。根据句意和主句‘I would invest...’可知，这是对现在事实的假设（我现在不是你），属于与现在事实相反的虚拟语气。在虚拟条件句中，be动词一律用were，无论主语是什么人称。A项am和B项was用于陈述语气；D项be是原形，不符合此处虚拟语气结构。故选C。
3解答题
阅读下面短文，根据其内容和语境，从短文后的选项中选出可以填入空白处的最佳选项。选项中有两项为多余选项。
The Art of Saving
Saving money is not just about putting cash aside; it’s a skill that can be developed. _______36_______. For example, you could start by tracking your spending for a week to understand your habits.
Once you know where your money goes, you can make a plan. _______37_______. A common method is the 50/30/20 rule: 50% for needs, 30% for wants, and 20% for savings.
_______38_______. If you save just 5 a week, it adds up to 260 a year. Over time, these small amounts can grow significantly with interest.
_______39_______. Instead of buying a new book every week, try borrowing from the library. Look for sales or use coupons when shopping for groceries.
Finally, make saving a habit. _______40_______. Soon, it will become as natural as breathing.
- A. Set a realistic budget and stick to it.
- B. It often starts with awareness.
- C. Remember, every little bit counts.
- D. It’s important to avoid all unnecessary spending.
- E. Another tip is to find ways to reduce expenses.
- F. You can start by setting aside a small, fixed amount each week.
- G. The key is to make saving automatic, like setting up a bank transfer.
答案：36. B
37. A
38. C
39. E
40. F
解析：本题考查七选五阅读理解，主题为储蓄技巧，符合日常生活与消费理财情境。解题需理解文章结构（提出技能-具体方法-举例说明-总结习惯）和段落间的逻辑衔接。第36空位于首段，引出‘储蓄技能’，后文举例说明‘跟踪开支’以‘了解习惯’，故B项‘它始于意识’最贴合。第37空位于第二段，前文说‘制定计划’，后文介绍预算规则，A项‘制定现实的预算并坚持’是具体计划。第38空位于第三段，强调小额储蓄的累积效应，C项‘记住，每一点都很重要’概括此意。第39空位于第四段，后文举例减少开支的方法，E项‘另一个建议是找到减少开支的方法’是总起句。第40空位于末段，前文说‘让储蓄成为习惯’，F项‘你可以从每周留出一小笔固定金额开始’是具体做法，与后文‘很快它会像呼吸一样自然’衔接。干扰项D过于绝对，G项‘自动储蓄’与上下文‘每周’‘小额’的语境不完全匹配。
4解答题
根据括号内单词的适当形式填空，并说明理由。
1. The manager’s _______ (decide) to cut costs was met with mixed reactions from the staff.
2. It is no use _______ (complain) about the high prices without looking for better deals.
答案：1. decision。理由：空格处作主语，前面有所有格‘The manager’s’，需要名词形式。动词decide的名词形式为decision。
2. complaining。理由：句型‘It is no use/good...’后接动名词作真正主语，表示‘做某事没有用’。动词complain的动名词形式为complaining。
解析：本题综合考查构词法和动名词作主语的用法。第1题考查动词变名词，需根据句子成分（主语）判断词性，再运用构词规则（-sion后缀）进行变形。易错点在于拼写错误，如误写为‘decission’。第2题考查固定句型‘It is no use + doing sth.’，动名词作真正主语。易错点在于误用不定式作主语，或对固定句型记忆不牢。
5解答题
阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。
My friend Li Ming, who is passionate about environmental protection, recently started a project to reduce plastic waste in our community. He believes that small actions can lead to big changes. For example, he encourages people to use reusable bags instead of plastic ones. His efforts _______ (inspire) many of his classmates to join the movement so far. As he often says, “Every contribution, _______ how small it may seem, counts towards a greener future.”
答案：1. have inspired。理由：时间状语‘so far’表示动作从过去持续到现在并对现在有影响，应用现在完成时。主语‘His efforts’为复数，谓语动词用have inspired。
2. however。理由：分析句子结构，‘_______ how small it may seem’是一个让步状语从句，表示‘无论多么小’。此处需要连词however（= no matter how）引导从句。
解析：本题考查现在完成时和让步状语从句的连接词。第1题考查现在完成时的构成和应用，关键在于识别时间状语‘so far’。易错点在于忽略主谓一致（复数主语用have），或误用一般过去时。第2题考查however引导的让步状语从句，相当于no matter how。易错点在于混淆however与whatever，或错误使用what。
6解答题
假设你是李华，你的英国笔友Chris来信说他最近在学习管理自己的零花钱，但感到困惑。请给他写一封回信，内容包括：
1. 表示理解并鼓励；
2. 提出两条具体建议（如记账、设定储蓄目标等）；
3. 表达祝愿。
注意：1. 词数100左右；2. 可以适当增加细节，以使行文连贯；3. 开头和结尾已给出，不计入总词数。
Dear Chris,
I’m glad to hear from you.
Yours,
Li Hua
答案：Dear Chris,
I’m glad to hear from you. I completely understand your confusion about managing pocket money, as it’s a common challenge for many of us. Don’t worry; with a few simple strategies, you’ll soon get the hang of it.
Here are two suggestions. First, why not start a simple budget? You could use a notebook or an app to record your daily expenses. This will help you see where your money goes and identify areas to save. Second, setting a specific savings goal is very motivating. For instance, you could aim to save a certain amount each month for a book or a game you’ve been wanting. Having a clear target makes saving more rewarding.
I’m confident you can do it. Looking forward to hearing about your progress!
Yours,
Li Hua
解析：本题考查建议信的写作。题目要求围绕‘管理零花钱’这一日常生活与消费理财情境，提出具体建议。解题需遵循建议信结构：开头（表示理解）、正文（分点建议并给出理由）、结尾（鼓励与祝愿）。建议需具体可行，如‘记账’和‘设定储蓄目标’，并运用‘Why not...?’‘You could...’等委婉建议句型。易错点包括：建议空泛（如只说‘save money’）、结构混乱、语气生硬或使用中式英语。
7解答题
阅读下面短文，从每题所给的A、B、C、D四个选项中选出最佳选项。
A recent study on teenage spending habits reveals that many young people struggle to manage their money effectively. The study surveyed over 1,000 students aged 15 to 18 and found that nearly 60% of them spend most of their pocket money on non-essential items like snacks, games, and fashion accessories. Only about 20% set aside a portion for savings.
Dr. Wang, a financial education expert, points out that the lack of financial literacy is a major issue. “Many students don’t understand the difference between needs and wants,” she says. “They often make impulsive purchases without considering long-term consequences.”
The study also highlights the positive impact of financial education. Schools that offer basic courses on budgeting and saving see a significant increase in students who actively plan their expenses. For instance, at Sunshine High School, after introducing a ‘Money Management’ module, the percentage of students with a savings goal rose from 15% to 45% within a year.
Experts recommend that parents play a role too. By discussing household budgets and involving children in simple financial decisions, parents can help build good habits early on. “Financial responsibility isn’t just about numbers; it’s about making informed choices that affect one’s future,” Dr. Wang adds.
31. What is the main finding of the study mentioned in the text?
A. Most teenagers are financially independent.
B. A majority of teenagers spend money on non-essentials.
C. Teenage spending habits are improving rapidly.
D. Savings are the top priority for most teenagers.
32. According to Dr. Wang, what is a key problem with many students?
A. They earn too little pocket money.
B. They lack knowledge about money management.
C. They are not interested in fashion.
D. They prefer to save rather than spend.
33. What change did Sunshine High School see after offering a financial module?
A. Students started to earn more money.
B. More students began to set savings goals.
C. The school’s budget increased significantly.
D. Students stopped buying non-essential items.
34. What role do experts suggest for parents?
A. Providing more pocket money to children.
B. Setting strict rules on children’s spending.
C. Involving children in family financial discussions.
D. Encouraging children to work part-time jobs.
答案：31. B
32. B
33. B
34. C
解析：本题为阅读理解选择题，主题为青少年消费习惯与理财教育，紧扣日常生活与消费理财情境。第31题考查细节理解，根据第一段‘nearly 60% of them spend most of their pocket money on non-essential items’可知，大部分青少年将钱花在非必需品上，故B项正确。A、C、D项与原文相反或未提及。第32题考查细节理解，根据第二段Dr. Wang的话‘the lack of financial literacy is a major issue’和‘don’t understand the difference between needs and wants’可知，学生缺乏财务管理知识，故B项正确。第33题考查细节理解，根据第三段‘the percentage of students with a savings goal rose from 15% to 45%’可知，更多学生开始设定储蓄目标，故B项正确。第34题考查细节理解，根据最后一段‘By discussing household budgets and involving children in simple financial decisions’可知，专家建议父母让孩子参与家庭财务讨论，故C项正确。
8解答题
阅读下面材料，根据其内容和所给段落开头语续写两段，使之构成一篇完整的短文。
注意：1. 续写词数应为150左右；2. 请按如下格式在答题卡的相应位置作答。
Paragraph 1:
I decided to follow my grandmother’s advice and start saving for the bicycle I had always wanted.
Paragraph 2:
After three months of careful saving, I finally had enough money to buy the bicycle.
答案：Paragraph 1:
I decided to follow my grandmother’s advice and start saving for the bicycle I had always wanted. She had told me, “Every journey begins with a single step, and every big goal starts with a small saving.” So, I began by setting a weekly budget. I wrote down every expense, from school supplies to snacks, and identified areas where I could cut back. Instead of buying a new comic book each week, I borrowed them from the library. I also started doing extra chores at home to earn a little pocket money. It was challenging at first, watching my friends spend freely, but the thought of riding that shiny red bicycle kept me motivated. I even created a savings chart and stuck it on my wall, coloring in a new block each time I added money to my jar.
Paragraph 2:
After three months of careful saving, I finally had enough money to buy the bicycle. The day I walked into the shop, my heart pounded with excitement. The bicycle was even more beautiful in person. As I paid for it, a sense of pride and accomplishment washed over me. I realized that the true value wasn’t just in the bicycle itself, but in the discipline and patience I had learned. Riding it home, I felt a new kind of freedom—not just from having my own transport, but from knowing I could set a goal and achieve it through hard work. My grandmother smiled when she saw me. “You’ve learned the most important lesson,” she said. “The best things in life are worth waiting and working for.”
解析：本题考查读后续写，主题为通过储蓄实现个人目标，符合消费理财情境。续写需紧扣前文‘follow grandmother’s advice and start saving’，合理推进情节。第一段应具体描述储蓄的计划与行动（如记账、减少开支、做家务赚钱），并描写心理活动（挑战、动机）。第二段应描写购买自行车的过程和感受，并升华主题（收获的不仅是自行车，更是理财技能和成就感）。易错点包括：情节突兀（如突然得到钱）、缺乏细节与情感描写、语言平淡。需运用生动的动词和形容词（如pounded with excitement, sense of pride），并确保与前文逻辑连贯。