这英语阅读理解,A budget（预算）is a spending plan.It can help you spend

这英语阅读理解,
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 willpower（自制力）.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 needand want?You must know all that to work out the details of the budget.Never spend more than you can.Then decide which goals are the most important.
The next step is estimating（估计）family income.Before you can plan wisely,you need to know how much money you have to spend!Write down aqll themoney you expect to receive(wages,saving,interest,etc.) during the planned budget period.
After you have calculated （计算）how much money will be available,it is time to estimate expenses（开销、支出）.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 occerred.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 emergencies:a blown tire,a broken device,or the need for medical care.
51.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 wisely.
52.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
53.Accordingiy,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
54.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.one can hardly plan everything in advance
D.others may want to borrow some money from you
55.This passage is mainly about ___.
A.the meaning of a budget B.the relation between budget and income
C.the way a budget is made D.the importance of making a budget

答案及精解
　　36．【答案精解】D.判断题.第一段的第二句话“A budget(预算)is a spending plan．It can help you spend money wisely．”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).
　　37．【答案精解】A.判断题.第一段末尾句．．．preparing a budget takes planning,and following a budget takes will power,意思是,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.
　　38．【答案精解】B.细节题.第五段讲了Studying your records will show where overspending has occurred．It will also point out poor buying habits．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.
　　39．【答案精解】C.细节题.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,每个家庭都有有一些以意情况发生,所以有必要准备一小笔资金作为备用金.
　　40．【答案精解】C.主旨题.本文从预算的作用开始引入,到第二段开始分步骤地介绍了进行预算的方式,主要讲的是进行预算的方法问题.