单选题
A budget (预算) is a spending plan. It can help you spend money wisely. It can do this by cutting out wasteful spending. Of course, preparing a budget takes planning, and following a budget takes will power. Your budget should meet your family's needs and income. The first step in creating a budget is to set your goals. What does your family need and want? You must know this to work out the details of the budget. Keep goals realistic, in terms of income available. Then decide which goals are the most important. The next step is estimating family income. Before you can plan wisely, you need to know how much money you have to spend! Write down all the money you expect to receive (wages, savings, interest, etc.) during the planned budget period. After you have calculated how much money will be available, it is time to estimate expenses. List all of your family expenses. If you are not satisfied with what you got for your money, look carefully at your spending. Studying your records will show where overspending has occurred. It will also point out poor buying habits. It is also a good idea to set aside a small amount of money for emergencies. Every family has small emergencies: a blown tire, a broken device, or the need for minor medical care.
单选题
According to the passage, what is the advantage of a budget? A. It can help you set your goals clearly. B. It can help you save a lot of money. C. It can help you get rid of poor buying habits. D. It can help you spend money in a reasonable way.
【正确答案】
D
【答案解析】[解析] 由第一段的前两句话“A budget (预算) is a spending plan. It can help you spend money wisely.”可知，预算帮助你聪明地花钱，也就是说理智地消费(spend money in a reasonable way)，故选D。
单选题
In carrying out your budget, you need ______. A. to have the ability to control yourself B. to ask your family members for advice C. to cut it down as much as possible D. to take care not to buy expensive things
【正确答案】
A
【答案解析】[解析] 由第一段末尾句“...preparing a budget takes planning, and following a budget takes will power”可知，准备一项预算需要计划，而执行(follow在这里是执行的意思)一项计划则需要will power(意志力)，也就是ability to control yourself控制自己的能力，故选A。
单选题
One advantage of keeping a record of your spending is that ______. A. you will remember how much you have already spent B. you will know if you have spent more money than you planned C. you will be able to tell your family what should not be bought D. you will learn how to make a better budget next time
【正确答案】
B
【答案解析】[解析] 第五段讲了“Studying your records will show where overspending has occurred. It will also point out poor buying habits.”意思是消费纪录可以找出哪里超支了，或者可以发现一些不良购买习惯。所以B是正确答案。
单选题
The writer suggests that it is a good idea to set aside some money because ______. A. you probably will not be able to follow your budget B. people usually spend more than they plan to do C. things can happen unexpectedly D. others may want to borrow some money from you
【正确答案】
C
【答案解析】[解析] 从原文最后“It is also a good idea to set aside a small amount of money for emergencies. Every family has small emergencies”可以知道，每个家庭都有一些意外情况发生，所以有必要准备一小笔资金作为备用金，故选C。
单选题
This passage is mainly about ______. A. the meaning of a budget B. the relation between budget and income C. the way in which a budget is made D. the importance of making a budget