If you want to stay out of debt.you need to set a budget．First.know what you are spending your money on．Write down what you buy and how much you spend．You can use an app or a computer program．Then 题目和参考答案——青夏教育精英家教网—

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13．If you want to stay out of debt（债务），you need to set a budget．First，know what you are spending your money on．Write down what you buy and how much you spend．You can use an app or a computer program．Then look at your information．First，write how much your food，housing，transportation，and other monthly bills like electricity cost．These are your needs．Then write your goals．These are any debts you have to pay and money you want to save．Then write the other things you enjoy．These are extras，such as going to restaurants，movies，or the gym．These are the things you like but don't need．How much do you spend on these extras each month？
Now look at your income．Your income is the amount of money you make each month．How much of it do you spend on needs，goals，and extras？One good rule is 50percent of your paycheck is for your needs．Pay for things in this order：needs first，goals second，and extras third．The first step in setting a budget is to know where your money goes．Then you can make payments，plan for your goals，and make good choices．

16．The underlined word"budget"in Paragraph 1means．B
A．a method for how to borrow money
B．a plan for how to spend money
C．a suggestion on how to lend money
D．a test on how to use money
17．Which of the following does housing belong in according to the text？B
A．Monthly income
B．Needs
C．Goals
D．Extras
18．How much is spent on restaurants according to the table？D
A.1，050
B.750
C.550
D.300
19．How much of your income is spent on goals according to the chart？A
A.20%
B.30%
C.50%
D.100%

分析文章讲述了如果你不想有外债，就应该设定一个预算．针对如何设定预算，文中给出了一些详细的好的建议．

解答 16．B 细节理解题，根据第一段中的句子know what you are spending your money on了解你把钱花在什么上面？Write down what you buy and how much you spend 记下你买什么花了多少钱，How much do you spend on these extras each month？你每个月花在额外部分多少钱，由此可知这些都是预算花费，故选B．
17．B 细节理解题，根据write how much your food，housing，transportation，and other monthly bills like electricity cost．These are your needs．记下你的食物、房屋、交通、和其他像电费一样的每月账单．这些是你的必须，可知housing属于needs，故选B．
18．D 细节理解题，根据表格内容显示，restaurants$300，可知在饭店里的消费是300美元，故选D．
19．A 细节理解题，根据表格内容显示，income 3500总收入3500美元，goals700目标700美元，由此可知，目标消费占总收入的20%，故选A．

点评真阅读短文，注意前后联系，就能顺利完成阅读．文章所设试题主要考察细节查找，做题关键是找出原文的根据，认真核查小题和原文的异同．

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