How to Make a Budget (預(yù)算)

Most likely, you aren’t the family breadwinner. But doing a small job or getting a weekly allowance (零花錢) 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.

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

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 (欄), list your sources (來源) 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!

1.Who is the passage written for?

   A. Children.      B. Parents.        C. Breadwinners.       D. Bank managers.

2.The purpose of making a budget is to help people _________.

   A. learn to be realistic             B. increase their saving

   C. manage their money well        D. test their power-control

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.

4.Which of the following budgets is effective?

 

【答案】

1.A

【解析】由文章首段第一句Most likely, you aren’t the family breadwinner.可知寫作的對(duì)象不是parents. Breadwinner是一個(gè)合成詞，由bread和winner構(gòu)成，含義應(yīng)該是養(yǎng)家糊口的人，也就是掙錢養(yǎng)活一個(gè)家庭的人。

【考點(diǎn)】對(duì)寫作目的和意圖的考查

2.C

【解析】根據(jù)creating a budget can help you deal with your expenses可知答案。

【考點(diǎn)】細(xì)節(jié)題

3.A

【解析】由文中When planning your budget, be realistic about your expenses.可知填表時(shí)要realistic。

【考點(diǎn)】細(xì)節(jié)題

4.D

【解析】根據(jù)文中第三節(jié)和第四節(jié)可知表A錯(cuò)在沒按要求進(jìn)行歸類，表B花費(fèi)大于收入沒有起到預(yù)算的效果，表C也沒有按要求填寫。

【考點(diǎn)】細(xì)節(jié)應(yīng)用題

 

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