How much should you save? You may be able to save 100% of your money. Does that mean you should? Not at all. The best way to develop good saving habits is to make saving a regular part of your life, along with spending.

Here is the rule you should remember: save before spending. Whenever some money gets into your hands, from a job or your pocket money or whatever, take your savings out immediately, before spending any of the money. The beauty of this system is that if you take away your savings, you are free to spend the rest.

Here are some more suggestions on how to successfully get into the saving habit from teens. Let’s see!

Tony,13: I put my money in a bank instead of my wallet, so the money is not there. And I have to take an extra step to get it.

Bill,14: When considering a major purchase(购买), wait a week or so, at least. This will help you make sure if you still want it, and the price might go down.

Dick, 13: Carry very little money always. You can’t spend money if you don’t have it. A cake would be nice, but without a dollar, you can’t get it. Little things like that really add up quickly.

Steve,16: I used to be weak when it came to money. I bought something whenever I went into a store. I’m glad I’m not that person now. I taught myself discipline by keeping a $20 bill in my pocket while waking around the mall all day and not buying anything. Now I have no strong wish to buy things when I go into a store. It works for me.

These ideas should help you get started. If you have some questions about anything you’ve read here, or would like to share your ideas about saving money, please write to us.

1.How does Tony advise you about saving money?

A．By keeping money in a bank.

B．By putting money in a wallet.

C．By making it easy to get your money.

D．By buying little things.

2.According to Billy, if you want to buy something expensive, you’d better_________.

A．wait at least a month

B．make sure it’s necessary

C．wait until it’s for sale

D．ask somebody for help

3.According to the passage, Steve is the person who _______.

A．didn’t carry any money

B．can’t wait to spend his money now

C．didn’t use to buy anything in a store

D．doesn’t spend money quickly and carelessly now

4.Where is the passage most probably from?

A．A dictionary       B．The instructions     C．A newspaper       D．An advertisement.

5.The writer wrote the passage in order to ask teens to_______.

A．make major purchases

B．save 100% of their money

C．spend all their savings regularly

D．save money regularly as well as spending

The weather was fine last night. My friend named Steve and I decided to sleep in the open air. I found the sleeping bags under the bed in my room. I also packed some snacks. We could hardly wait for it to get dark. We opened our sleeping bags and put them on the grass in front of my house. Steve and I played some games, talked about something interesting and had a snack. In the end it got dark. We were just falling asleep when we heard something unusual.
“Maybe it is just a small animal,” I said. Steve said nothing, but I could feel he was frightened. After I looked around, I was sure it wasn’t an animal. It was my little brother, Tommy.
“What are you doing here?” I asked. “You know, Tommy, you frightened us.”
“Sorry, Bill,” he said. “It’s hot in the room. I want to sleep outside with you.”
“Well, OK,” I said. “Just come and lie down next to us.”
“Good night, Bill and Steve,” said Tommy. “And thanks.”
【小题1】What did Steve and Bill decide to do last night?                              
【小题2】Where did Bill find the sleeping bags?                                    
【小题3】How did Steve feel when he heard something strange?                        
【小题4】What did Tommy come out of the house to do?                               
【小题5】How many persons slept in the open air at last in the story?                     

完形填空

I have had thousands of classes since I started school nine years ago. But only one ___1__ was the most important.   It happened last term just after I had got a __2__ result in an exam. I was sad and had lost my confidence. I decided to go to a class which can tell me how to be __3___.   The speaker walked into the room. But he did not start talking __4_ a teacher. Instead, he held up a twenty yuan note(钞票)!

“Who wants this?” he asked. Unsurprisingly, __5__ of us in the class held up our hands.   The speaker smiled. Then he put up the note on the blackboard and asked the same question. Again, we all put up our hands. The speaker smiled again, but __6_ nothing. Suddenly, he threw the note onto the floor! Then he asked the same __7_ a third time.   I didn’t __8__ what the speaker was doing. Why was he asking the same question again and again? I didn’t know what to do. I wanted the note, __9_ I put my hand up again. After a while, he __10__ the note and started to laugh. “you have all just told me how to become successful,” __11_ said to us with the note in his hand.   “The note is worth twenty yuan. It is __12__ worth twenty yuan, even though I throw it on the floor. You are like the note. No matter __13__ happens to you, you still have your worth.”   When I heard those words, I was deeply moved. Suddenly, I _14_ I was worth a lot. I may have done badly in an exam, but it doesn’t __15__ I can’t do well in the future. If I believe in myself, I will be successful!

1.                A．classroom       B．subject         C．class D．school

2.                A．same          B．good           C．lucky D．bad

3.                A．comfortable     B．successful       C．famous   D．rich

4.                A．like            B．for            C．about    D．by

5.                A．both           B．neither         C．all   D．none

6.                A．said           B．bought         C．saw  D．wanted

7.                A．student         B．teacher         C．question  D．way

8.                A．remember      B．understand      C．notice    D．find

9.                A．so             B．though         C．if    D．or

10.               A．took out        B．threw away      C．picked up  D．put down

11.               A．you           B．he            C．she   D．they

12.               A．never          B．sometimes      C．hardly D．always

13.               A．when          B．who           C．what  D．how

14.               A．realized        B．forgot          C．dreamed  D．decided

15.               A．know          B．mean          C．think D．complain