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    It is so easy for us to overspend our income. Credit cards are1to obtain, especially when you pay your bills on time. Companies will try to make you keep2until you can’t keep up and then they will make your life very3.
    You can avoid major4in several ways. Have a plan. Set up a budget (预算) with measurable goals and stick to it, which will save you a lot of frustration (沮丧) later. Set up a saving account that you can use only in case of5. Set up another account for your6. Do it as early as you can and don’t touch it until you retire. Decide which bills are to be paid out of each check and pay those first.
    If there is anything left, you can buy groceries, go out to7or go to the movies. Consider setting up an account that automatically pays your bills each month so that you don’t have to do it every month. You could have a household account. Have your check deposited in the household account and don’t8money out of the household account if the balance falls below the account that you set9. In my opinion, it’s wise for you to have health10, which can really save you money. As we know, a broken leg can save you $20,000 or more!

    1. 1.
      1. A.
        eager
      2. B.
        easy
      3. C.
        fast
      4. D.
        hard
    2. 2.
      1. A.
        charging
      2. B.
        working
      3. C.
        studying
      4. D.
        saving
    3. 3.
      1. A.
        colorful
      2. B.
        unhappy
      3. C.
        hopeful
      4. D.
        energetic
    4. 4.
      1. A.
        arguments
      2. B.
        cases
      3. C.
        problems
      4. D.
        negotiations
    5. 5.
      1. A.
        fire
      2. B.
        danger
      3. C.
        emergency
      4. D.
        disease
    6. 6.
      1. A.
        promotion
      2. B.
        retirement
      3. C.
        family
      4. D.
        development
    7. 7.
      1. A.
        study
      2. B.
        walk
      3. C.
        eat
      4. D.
        rest
    8. 8.
      1. A.
        take
      2. B.
        drive
      3. C.
        pull
      4. D.
        keep
    9. 9.
      1. A.
        regularly
      2. B.
        afterwards
      3. C.
        earlier
      4. D.
        finally
    10. 10.
      1. A.
        guard
      2. B.
        insurance
      3. C.
        check
      4. D.
        information
    BABCC BCACB
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