阅读下列短文,从每题所给的A、B、C、D四个选项中选出最佳选项。
A
When it comes to personal finance,our habits can really make or break us.When we’re able to adopt positive financial habits,the benefits are endless:a better credit score,less financial stress,a bigger savings account balance...Unfortunately,many of us have also taken on financial habits that could actually end up hurting us.Here are three financial habits you might want to consider breaking.
Spendingmorethanyouwanttoearnrewardspoints
Provided they’re used responsibly,rewards credit cards can be a good thing.However,if you find yourself using a credit card just so you can get more points,you might be in for a world of trouble.One way you can break this bad habit is to only use your rewards card for regular,monthly expenses.Let’s say you decide to leave your card at home and only use it to make payments on your phone bill,which you then pay back in full every month.
Ignoringyourbills
Coming home to a big pile of bills is a drag,there’s no doubt about it.But tossing them onto the coffee table and ignoring them for weeks on end can have terrible consequences for your financial well-being.Whenever you find yourself faced with a bill,do with it immediately.While it might be a bit of a struggle at first,over time you can get the rewards of having less financial stress.
Cyclingyourdebtwithoutfixingtherealproblem
While having a lower interest rate can help solve short-term problems for you,if you do it all the time you could be avoiding the possible problem.In fact,it might even be keeping you from coming to terms with the behaviours that are forcing you into a state of debt.Building a budget could help you uncover ways to cut back and save.
For most of us,changing our behaviour isn’t as simple as turning off a switch,so it may take a lot of time and effort.Starting is the hardest part but,I can assure you,it gets easier with time.
1.You will get into trouble by using credit cards if you want to .
A.use them to pay your phone bill
B.put your credit cards at home
C.pay back in full every month
D.earn more rewards points
答案:D
解析:推理判断题。根据第二段中的“However,ifyoufindyourselfusingacreditcardjustsoyoucangetmorepoints,youmightbeinforaworldoftrouble.”可知,如果在用信用卡的时候总是想着赚积分,就会有麻烦。故选D项。
2.What does the author think of changing our behaviour?
A.Impossible. B.Simple.
C.Difficult. D.Unbelievable.
答案:C
解析:推理判断题。根据最后一段中的“Formostofus,changingourbehaviourisn’tassimpleasturningoffaswitch”可知,改变我们的行为习惯不是一件容易的事情。故选C项。
3.What does the passage mainly tell us?
A.How to manage your money properly.
B.How to develop good financial habits.
C.How to get rid of bad financial habits.
D.How to pay off your bills.
答案:C
解析:主旨大意题。根据文章第一段最后一句“Herearethreefinancialhabitsyoumightwanttoconsiderbreaking.”可知作者在给出如何去掉不良的花钱习惯。故选C项。
