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During my first year in college I was fo...

    During my first year in college I was forced to do something I didn't want to do: Plan a budget. With great resentment (愤慨) for 6 months I used pens to mark my expenses into 10 different categories. I then came up with a monthly average for each category. It was not until a decade later that I realized the simple exercise of learning to manage money is the best investment.

For most of you, college may be the first time you'll be managing money on your own, and it's easy to blow past your college budget. But overspending could leave you broke or worse, buried in debt. According to Edvisors, 64% of college students have run out of money before the end of the semester. And the consequence is that it will take them the following several years to pay back that big amount.

Before sharing with you my approaches 10 dealing with the situation, I'd like to make you aware of something first. Based on researches, over-spenders mainly fall into one of the following categories.

a. Image spenders use money in highly visible ways, caring much about their appearance. Their motto is "If I look beautiful, I am beautiful."

b. Compulsive (难控制的) shoppers use shopping as a distraction (分心) from unwanted negative feelings. Whenever down, they purchase to "drown" the bad feeling.

c. Bargain-hunting spenders care more about "getting the deal". Their satisfaction comes from the bargaining process or grabbing the bargains.

1.What did the writer do in college?

A.She never made both ends meet. B.She recorded the money she spent.

C.She enjoyed making investment. D.She had to buy things she disliked.

2.What is the second paragraph mainly about?

A.A plan of making a budget. B.The danger of overspending.

C.A style of paying off debts. D.The value of attending college.

3.What do compulsive shoppers and bargain-hunting spenders have in common?

A.Paying great attention to their appearance. B.Seeing the harm of overspending.

C.Satisfying themselves by spending on food. D.Buying too many unwanted items.

4.What may probably be mentioned next by the writer?

A.Ways to manage money. B.Examples of success.

C.Consequences of overspending. D.Secrets of happy life .

 

1.B 2.B 3.D 4.A 【解析】 这是是一篇说明文。文章主要讲述在大学期间学会理财是最好的投资,以及超支花费者的分类。 1.细节理解题。由第一段的第二句“With great resentment (愤慨) for 6 months I used pens to mark my expenses into 10 different categories.”可知,作者用笔标记了自己在10个不同类别中的花费。所以作者在大学里把花的钱记了下来。故选B。 2.主旨大意题。由第二段第二句“But overspending could leave you broke or worse, buried in debt. 但是过度消费可能会让你破产,或者更糟,让你负债累累。所以本段主要是关于过度消费的危险。故选B。 3.推理判断题。由第五段第一句“Compulsive (难控制的) shoppers use shopping as a distraction (分心) from unwanted negative feelings.”和第六段第二句“Their satisfaction comes from the bargaining process or grabbing the bargains.”可知强迫性购物者将购物作为一种从讨厌的负面情绪中转移注意力的方式。喜欢买便宜货的消费者更关心“买到便宜货”。他们的满足感来自于讨价还价的过程或者买到便宜货,由此判断出,这两类人购买的物品都不是他们需要的,故选D。 4.推理判断题。由第三段第一句“Before sharing with you my approaches 10 dealing with the situation, I'd like to make you aware of something first.”和第二句“Based on researches, over-spenders mainly fall into one of the following categories.”可知,作者在分享处理理财的方法之前,先介绍了需要读者了解的事情,这些事情就是超支花费者的主要类别。由此判断出作者在介绍完类别之后,接下来要介绍的是理财方法。故选A。
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    Now come some money-saving ideas from a web forum (论坛), which may help you save a penny in the UK.

Nancy: Many people nowadays seem to buy clothes, wear then a couple of times and then give them to charity shops so that's where I do my shopping. You can pet some cheap but really good stuff and you know you’re your money is helping other people so it's a win-win situation in my opinion.

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Gary: I must admit I don't think much about how or where I shop but I try to save money on electricity and gas in the house. Instead of turning up the temperature I put on another sweater and I close the doors. I encourage roommates to turn off the lights when they leave and we don't leave the TV or computer on standby (待机) as that uses up unnecessary energy.

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