How to Make a Budget(预算)
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!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 |
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. |
Who is the passage written for?
| A．Bank manager | B．Parents |
| C．Breadwinners | D．Children |
Dear Gregory,
Merry Christmas! You are now the proud owner of an iPhone. Hot Damn! You are a good & responsible 13 year old boy and you deserve this gift. But with the acceptance of this present comes rules and regulations. Please read through the following contract. I hope that you understand it is my job to raise you into a well rounded, healthy young man that can function in the world and coexist with technology, not be ruled by it. Failure to comply with the following list will result in termination of your iPhone ownership.
1. It is my phone. I bought it. I pay for it. I am loaning it to you. Aren’t I the greatest?
2. If it rings, answer it. It is a phone. Say hello, use your manners. Do not ever ignore a phone call if the screen reads “Mom” or “Dad”. Not ever.
3. It does not go to school with you. Have a conversation with the people you text in person. It’s a life skill. *Half days, field trips and after school activities will require special consideration.
4. If it falls into the toilet, smashes on the ground, or vanishes into thin air, you are responsible for the replacement costs or repairs. Mow a lawn, babysit, stash some birthday money. It will happen, you should be prepared.
5. Turn it off, silence it, put it away in public. Especially in a restaurant, at the movies, or while speaking with another human being. You are not a rude person; do not allow the iPhone to change that.
7. Learn to live without it. Be bigger and more powerful than FOMO – fear of missing out. Leave your phone home sometimes and feel safe and secure in that decision. It is not alive or an extension of you.
8. Keep your eyes up. See the world happening around you. Stare out a window. Listen to the birds. Take a walk. Talk to a stranger. Wonder without googling.
9. If you will mess up. I will take away your phone. We will sit down and talk about it. We will start over again. You and I, we are always learning. I am on your team. We are in this together. It is my hope that you can agree to these terms. I hope you enjoy your awesome new iPhone. Merry Christmas!
xoxoxo MomThe author’s main purpose in writing the article is to ________
| A．explain to George the function of the new mobile phones. |
| B．show George how much thought has been put into this gift |
| C．inform George of good manners he has to follow in public |
| D．make a deal with George on the use of his Christmas gift-iphone |
If Gregory lose hus iphone,he ________
| A．has to pay for a new one himself |
| B．will get a new one from his parents |
| C．will never receive gifts from his parents |
| D．must learn to live without a phone |
We can learn from the article that George’s parents________
| A．set rules and regulations in every aspect of his life |
| B．expect him to do something in return for this gift |
| C．are worried about his manners and carelessness |
| D．don’t want him to be addicted to electronic products |
George has to follow the rules below EXCEPT that ________
| A．be sure to answer his parents’ call |
| B．keep the phone in silence when is at the cinema |
| C．record his life as much as possible using the phone |
| D．bring the phone with him on field trip when necessary |
Winter begins in the north on December 22nd. People and animals have been doing what they always do to prepare for the colder months. Squirrels (松鼠), for example, have been busy gathering nuts from trees. Well, scientists have been busy gathering information about what the squirrels do with the food they collect.
They examined differences between red squirrels and gray squirrels in the American state of Indiana. The scientists wanted to know how these differences could affect the growth of black walnut (黑胡桃) trees. The black walnut is the nut of choice for both kinds of squirrels. The black walnut tree is also a central part of some hardwood forests.
Rob Swihart of Purdue University did the study with Jake Goheen, a former Purdue student now at the University of New Mexico. The two researchers estimate that several times as many walnuts grow when gathered by gray squirrels as compared to red squirrels. Gray squirrels and red squirrels do not store nuts and seeds in the same way. Gray squirrels bury nuts one at a time in a number of places. But they seldom remember where they buried every nut. So some nuts remain in the ground. Conditions are right for them to develop and grow the following spring. Red squirrels, however, store large groups of nuts above ground. Professor Swihart calls “death traps for seeds”.
Gray squirrels are native to Indiana. But Professor Swihart says their numbers began to decrease as more forests were cut for agriculture. Red squirrels began to spread through the state during the past century.
The researchers say red squirrels are native to forests that stay green all year, unlike walnut trees. They say the cleaning of forest land for agriculture has helped red squirrels invade Indiana. Jake Goheen calls them a sign of an environmental problem more than a cause.The study done by Rob Swihart and Jake Goheen is to ________.
| A．find out the living conditions for squirrels |
| B．learn squirrels’influence on black walnut trees |
| C．do something to get rid of squirrels |
| D．save the forests in the American state of Indiana |
The difference between gray squirrels and red squirrels mainly lies in ________.
| A．the way they gather the walnut |
| B．the time they have winter sleep |
| C．the place they have winter sleep |
| D．the place they store the walnuts |
Professor Swihart’s study shows that________.
| A．red squirrels eat more nuts than gray squirrels |
| B．gray squirrels and red squirrels will have severe fights |
| C．red squirrel’s way to store nuts stops nuts growing. |
| D．black walnuts are harmful to other animals |
According to the passage, which of the following is true?
| A．The black walnut is equally attractive to both gray and red squirrels. |
| B．Gray squirrels do more harm to the forest than red squirrels. |
| C．Red squirrels and gray squirrels have helped the spread of walnut trees. |
| D．The cleaning of forest land benefits red squirrels directly. |
You're in a department store and you see a couple of attractive young women looking at a sweater. You listen to their conversation: I can't believe it-a Lorenzo Bertolla! They are almost impossible to find. Isn't it beautiful? And it's a lot cheaper than the one Sara bought in Rome."
They leave and you go over to see this incredible sweater. It's nice and the price is right. You've never heard of Lorenzo Bertolla, but those girls looked really stylish. They must know. So, you buy it. You never realize that those young women are employees of an advertising agency. They are actually paid to go from store to store, talking loudly about Lorenzo Bertolla clothes.
Every day we notice what people are wearing, driving and eating. If the person looks cool, the product seems cool, too. This is the secret of undercover marketing. Companies from Ford to Nike are starting to use it. Undercover marketing is important because it reaches people that don't pay attention to traditional advertising. This is particularly true of the MTV generation-consumers between the age of 18 and 34. It is a golden group. They have a lot of money to spend, but they don't trust ads. So advertising agencies hire young actors to "perform" in bars and other places where young adults go. Some people might call this practice deceptive (骗人的), but marketing executive Jonathan Ressler calls it creative. "Look at traditional advertising. Its effectiveness is decreasing."
However, one might ask what exactly is "real" about of young women pretending to be enthusiastic about a sweater? Advertising executives would say it's no less real than an ad. The difference is that you know an ad is trying to persuade you to buy something. You don’t know when a conversation you overhear is just a performance.The two attractive young women were talking so that they could _____.
| A．get the sweater at a lower price |
| B．be heard by people around |
| C．be admired by other shoppers |
| D．decide on buying the sweater |
Lorenzo Bertolla is _____.
| A．a very popular male singer |
| B．an advertising agency |
| C．a clothing company in Rome |
| D．the brand name of a sweater |
Which of the following can be inferred from the passage?
| A．The two girls are in fact employed by the Lorenzo Bertolla Company. |
| B．The MTV generation tend to be more easily influenced by ads. |
| C．Traditional advertising is becoming less effective because it's too direct. |
| D．Undercover marketing will surely be banned soon by the government. |
Which of the following would be the best title for the text?
| A．Two Attractive Shoppers |
| B．Lorenzo Bertolla Sweaters |
| C．Ways of Advertising |
| D．Undercover Marketing |
| Fun Day To celebrate the Year of the snake Organised by Lam Tin Youth Centre and Kwun Tong High School Date: 2 February 2013 Time: 10 am—5 pm Place: Kwun Tong Playground Fee: $20 (buy three get one free) Programmes: drama, lion dance, magic show and ballet performance Highlights: 1) enter the lucky draw to win a digital camera 2) learn to make festival food Join us on the Fun Day! All are welcome! Free Soft Drinks Note: ● Tickets are available at the General Office of Lam Tin Youth Center ● For those who would like to be a volunteer, please contact Miss Olivia Wong one week before the activity. |
What you have just read is a ________.
| A．note | B．report | C．schedule | D．poster |
How much do you have to pay in total if four of you go together?
| A．$20. | B．$40. | C．$60. | D．$80. |
Which of the following statements is true?
| A．Tickets are sold in Kwun Tong High School. |
| B．It’s unnecessary to take soft drinks with you. |
| C．Free digital cameras are provided for everybody. |
| D．Festival food will be served without extra charge. |
When I was young, I went looking for gold in California. I never found enough to make a rich strike. But I did discover a beautiful part of the country called Stanislau. Like Heaven on Earth, it had bright green hills and deep forests where soft winds touched the trees. By the time I arrived, the charming paradise had been deserted because miners’ good luck didn’t last.
Then, I realized I was not alone after all.
A man was smiling at me as he stood in front of his little house. Its front yard was full of blue and yellow flowers. White curtains hung from the windows and floated in the soft summer wind.
Still smiling, the man invited me inside. My spirit seemed to come to life again. I saw a bright rug(地毯) on the shining wooden floor. And on little tables there were seashells, books and china vases full of flowers. A woman had made this house into a home. The joy in my heart showed on my face. The man read my thoughts. “All her work.” He said affectionately, “Nothing here hasn’t felt the touch of her hand.”
One picture on the wall was not hanging straight. He went to fix it. He stepped back several times to make sure the picture was straight. Then he gave it a gentle touch. “She always does that,” he explained, “It is like the finishing pat a mother gives her child’s hair after she has brushed it. I don’t know why I do it. I just do it.”
As he talked, I went to a little black-walnut shelf that held a small picture of the most beautiful creature I had ever seen. There was a sweetness and softness in the woman’s expression. The man stared at the picture. “Nineteen her last birthday. That was the day we married. When you see her...ah, just wait until you meet her!” “Where is she now?” I asked. “Oh, she is away visiting her parents. This is Wednesday,” he said slowly. “She will be back on Saturday, in the evening.”
That night, I stayed. The man told me his name was Henry.
Thursday evening we had two visitors, Tom and Joe. “We just drop over to ask when little madam is coming home. Any news from her?” “Oh yes,” the man replied. “A letter.” He took a yellowed letter out of his wallet and read it. It was full of loving messages. While reading, he glimpsed his friends and cried out, “Oh no, you are doing it again, Tom! Take your hands away and let me see your eyes. I’m going to tell her this time!” “No, you mustn’t do that, Henry,” the grey-haired miner said. “I am getting old. And any little sorrow makes me cry. Lord, we miss her so.”
Saturday finally came.
I was glad to see his two friends, Tom and Joe, with guitars, coming down the road as the sun began to set. They put the flowers they brought in vases and began to play some fast and lively songs.
Henry’s friends kept giving him glasses of whiskey. When I reached for one of the two remaining glasses, Tom stopped my arm. “Drop that! Take the other.” he whispered. I did so. Henry was served last. He had hardly swallowed his drink when the clock struck midnight. His face grew paler and paler. “Boys,” he said, “I am sick with fear. Help! I want to lie down.” Henry was asleep almost before the words were out of his mouth.
In a moment, those handy men had his clothes off and tucked him into his bed. They seemed to be getting ready to leave. So I said, “Please don’t go, gentlemen. She won’t know me. I am a stranger.” They glanced at each other. Then Joe said, “She? Poor thing, she’s been dead nineteen years!” “Dead?” I whispered. “That or worse.” he said.
“She went to see her folks half a year after she got married. On her way back, on a Saturday evening in June, when she was almost here, the Indians captured her. She’s never been heard of since. Henry went insane. He thinks she is still alive. When June comes, he thinks she has gone on her trip to see her parents. Then he begins to wait for her to come back. We drop in here, three days before she’s due, to encourage him up and listen to him read the letter. On Saturday we all come and get everything ready for a dance. We’ve done it for nineteen years. The first Saturday there were twenty-seven of us, but only two now. We drug him to sleep through the night. Then he’s all right for another year.”
The two old men opened the door and disappeared into the darkness of Stanislau.You can sense the existence of a woman from the following sentences EXCEPT “______”.
| A．Soft winds touched the trees in Stanislau. |
| B．There was a bright rug on the shining wooden floor. |
| C．There were seashells, books and china vases full of flowers. |
| D．A little black shelf held a small picture of a woman. |
Tom cried when Henry read the yellowed letter, because ______.
| A．he was getting older and older |
| B．he was moved by the loving messages in the letter |
| C．he felt sad at the thought of Henry’s wife |
| D．he was disappointed that Henry’s wife would arrive so late |
Tom stopped my reaching for whiskey because ______.
| A．there was not enough whiskey for Henry |
| B．he didn’t want me to get drunk |
| C．that glass of whiskey was drugged |
| D．it was for Henry’s wife |
The underlined phrase “went insane” probably means “lost his______”.
| A．hope | B．mind | C．heart | D．temper |
It can be inferred from the passage that ______.
| A．Henry’s wife was 38 when she was last seen |
| B．Tom and Joe have heard the letter many times |
| C．the author stayed in Henry’s house because he was lost |
| D．the two miners came on Saturday to share past memories |
The story is mainly about ______.
| A．ever-lasting love |
| B．lifelong friendship |
| C．an unforgettable experience |
| D．charming Stanislau |
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