Topic Talk · 北师大版英语九年级上册（北师大九上） 本单元单词跟读 >
Unit 4 Personal Finance 第 4 单元 个人理财
Beware of little expenses; a small leak will sink a great ship. 谨防小开支；一滴漏水，足以使大船沉没。
—Benjamin Franklin ——本杰明·富兰克林
By the end of this unit, you will be able to: 本单元结束时，你将能够：
introduce the importance of shopping smart, e.g. sharing with friends and buying the recycled; 介绍明智购物的重要性，例如，与朋友分享、购买可回收物品等；
summarise and share tips on pocket money management; 总结并分享零花钱管理技巧；
create your own budget and talk about the benefits of managing money; 制定自己的预算，谈谈理财的好处；
share the importance of developing personal finance awareness and ways of managing money. 分享培养个人理财意识和理财方法的重要性。
Topic Talk 主题讲座
1. Think and Say 1. 想一想，说一说
What do most teenagers spend their pocket money on? 大多数青少年把零花钱花在什么上？
What about you? 那你呢？
Talk with a partner. 与搭档交谈。
Use the ideas below to help you. 使用下面的想法来帮助你。
Items 物品
Examples 示例
You 你
snacks and drinks 零食和饮料
chocolate, soft drinks 巧克力、软饮料
hobbies and fun activities 爱好和有趣的活动
sports equipment, concerts, stamps 运动器材、音乐会、邮票
school things 学校用品
books, pens, pencils, paints 书籍、钢笔、铅笔、颜料
gifts for family and friends 送给家人和朋友的礼物
clothes, flowers 衣服、鲜花
Teenagers spend their pocket money on different things. 青少年把零花钱花在不同的事情上。
Many buy snacks and drinks. 许多人买零食和饮料。
For example, they buy chocolate or soft drinks. 例如，他们购买巧克力或软饮料。
2. Listen and Practise 2. 听力和练习
What do David and Katie spend their pocket money on? 大卫和凯蒂把零花钱花在什么上？
Listen and take notes. 听录音并做笔记。
Then, in pairs, use the notes to describe their different spending habits. 然后，两人一组，用笔记描述他们不同的消费习惯。
Interviewer: Welcome to the show, David and Katie! 采访者：欢迎来到节目，大卫和凯蒂！
First, David, what do you spend your pocket money on? 首先，大卫，你把零花钱花在什么上了？
David: Well, I have many hobbies, such as painting and collecting stamps, 大卫：嗯，我有很多爱好，比如画画和集邮，
and sometimes they're quite expensive. 有时它们很贵。
I spend money on paints and new stamps. 我花钱买颜料和新邮票。
To save money, I don't usually spend money on drinks or snacks. 为了省钱，我通常不花钱买饮料或零食。
I try to eat at home, 我尽量在家吃饭，
and take a bottle of water with me when I go out. 出去的时候带一瓶水。
Interviewer: Good idea, David! 采访者：好主意，大卫！
What about you, Katie? 你呢，凯蒂？
Do you spend money on hobbies? 你在爱好上花钱吗？
Katie: Well, I love painting, listening to music, making models, 凯蒂：嗯，我喜欢在空闲时间画画、听音乐、做模型、
reading and writing in my free time. 读书和写字。
Sometimes I buy books and notebooks. 有时我买书和笔记本。
I also spend money on my music apps. 我也在音乐应用上花钱。
I don't buy clothes, though. 不过，我不买衣服。
I save a lot of money by wearing my sister's old clothes. 我穿姐姐的旧衣服省了很多钱。
They're nice and free! 它们又好又免费！
Interviewer: Thanks, Katie. 采访者：谢谢你，凯蒂。
That's very interesting. 这很有趣。
You two are the same age, 你们俩年纪相仿，
but you choose to spend your money on different things. 但你们选择把钱花在不同的事情上。
What do you listeners spend your money on? 你们听众都把钱花在了什么上？
3. Relate and Share 3. 关联并分享
What do you think of David's and Katie's ways of managing money? 你对大卫和凯蒂的理财方式有什么看法？
Give your reasons. 给出你的理由。
How do you manage your money? 你如何管理你的钱？
I think David/Katie... 我认为大卫/凯蒂⋯⋯
I don't think... 我不认为⋯⋯
I spend my pocket money on... 我把零花钱花在⋯⋯
I... to save money. 我⋯⋯省钱。
4. Sing and Enjoy 4. 唱享乐趣
Listen to the song and sing along. 听这首歌，跟着唱。
Why do we need to stop and think? 为什么我们需要停下来想一想？
There are adverts everywhere 到处都是广告
Trying to make you stop and stare 试图让你停下脚步，驻足凝视
Telling you to buy more stuff 催促你买更多东西
Cause what you've got is not enough 因为你现在拥有的还不够
Stop and think, don't be a fool 停下脚步，好好想想，别做傻瓜
You don't need products to be cool 你不需要产品才能酷
It's fun to buy things for yourself 为自己买东西很有趣
But leave the rubbish on the shelf 可别把垃圾留在货架之上
Stop and think, don't be a fool 停下脚步，好好想想，别做傻瓜
You don't need products to be cool 你不需要产品才能酷
It's fun to buy things for yourself 为自己买东西很有趣
But leave the rubbish on the shelf 可别把垃圾留在货架之上
Be careful on your spending sprees 花钱大手大脚要当心
Cause money doesn't grow on trees 因为钱不会从树上长
Why go and throw your cash away 何必把现金白白浪费
On things you don't need anyway 在那些你根本不需要的东西上
Don't let adverts think for you 别让广告替你做决定
Or tempt you to buy something new 或诱惑你购买新东西
Make your own choice, use your head 自己做出选择，动动脑筋
And buy something you need instead 买你需要的东西
Stop and think, don't be a fool 停下脚步，好好想想，别做傻瓜
You don't need products to be cool 你不需要产品才能酷
It's fun to buy things for yourself 为自己买东西很有趣
But leave the rubbish on the shelf 可别把垃圾留在货架之上
Stop and think, don't be a fool 停下脚步，好好想想，别做傻瓜
You don't need products to be cool 你不需要产品才能酷
It's fun to buy things for yourself 为自己买东西很有趣
But leave the rubbish on the shelf 可别把垃圾留在货架之上
Unit Project 单元专项
By the end of the unit, 在本单元结束时，
you are going to use a creative way to show your understanding of money management, 你将使用一种创造性的方式来展示你对资金管理的理解，
and how to manage your spending and saving. 以及如何管理你的支出和储蓄。
→ Project on Page 86. → 专项内容见第 86 页。
Lesson 1 Shopping Smart 第 1 课 明智购物
Learn, Understand and Do 学习、理解与实践
How can we shop smart? 我们如何明智购物？
Activate and Share 启发并分享
1. Talk about the following questions with a partner. 1. 与搭档讨论以下问题。
1. When you go shopping, how do you decide what to buy? 1. 当你去购物时，你如何决定买什么？
2. Have you ever bought anything you don't need? Why? 2. 你买过不需要的东西吗？为什么？
Read and Understand 阅读理解
2. Read the text. 2. 阅读课文。
What is it mainly about? 它主要是关于什么的？
How many parts does the writer use to express the main idea? 作者用多少部分来表达主要思想？
What is each part mainly about? 每一部分的主要内容是什么？
Do you often buy things you don't actually need, 你经常买你实际上不需要的东西，
or buy more than you expected? 还是买得比你预期的多？
Perhaps sometimes you even spend more than you can afford. 也许有时你甚至花得比你能负担得起的还要多。
Have you ever thought about buying any recycled products and reflected on why you do this? 你有没有想过购买一些回收产品，并反思过你为什么这样做？
Let's take a look at why we shop the way we do, 让我们来看看我们为什么这样购物，
and how we can shop smarter! 以及我们如何更明智地购物！
Do you know how companies encourage you to buy their products? 你知道公司是如何鼓励你购买他们的产品的吗？
First, they put their advertisements everywhere, 首先，他们把广告放在任何地方，
on the radio and TV, online and on the street. 广播、电视、网络和街头。
Second, they use bright colours and show beautiful, smiling people to attract customers. 其次，他们使用鲜艳的颜色，展示美丽、微笑的人来吸引顾客。
They also use clever words which tell us we 'need' their products, 他们还使用巧妙的词语告诉我们，我们“需要”他们的产品，
or we're 'worth it'. 或者我们“值得”。
They make us think our lives will be better if we buy their products. 他们让我们认为，如果我们购买他们的产品，我们的生活会更好。
Of course, sometimes, we do need the things they sell, but sometimes we really don't. 当然，有时，我们确实需要他们卖的东西，但有时我们真的不需要。
We buy food, clothes, beauty products and many other things to be like our friends, 我们买食物、衣服、美容产品和许多其他东西，就像我们的朋友一样，
or simply because it's fun to shop! 或者只是因为购物很有趣！
But every time we buy something, there's an effect on the Earth. 但每次我们买东西，都会对地球产生影响。
For example, clothing industry can cause pollution. 例如，服装行业可能会造成污染。
In addition, if we buy things we don't need or want, 此外，如果我们购买不需要或不想要的东西，
we just create more rubbish. 我们只会制造更多的垃圾。
So what can you do? 那你能做什么？
It's simple, really! 这很简单，真的！
Next time you see an advertisement, STOP and THINK before you buy the product! 下次你看到广告时，在购买产品之前停下来想一想！
Here are a few ideas. 这里有一些想法。
Buy smart. 明智购买。
Take some time to think about why you are buying something 花点时间想想你为什么要买东西，
and ask yourself whether you really need it. 问问自己你是否真的需要它。
You can send an e-card instead of a paper birthday card, for example. 例如，你可以发送一张电子卡片而不是纸质生日卡片。
And don't buy lots of clothes. 不要买太多衣服。
Buy a few clothes that are of good quality. 买几件质量好的衣服。
Although they may be more expensive, they will last longer! 虽然它们可能更贵，但它们会持续更长时间！
Share with friends. 与朋友分享。
If you and your friends enjoy the same music, magazines or books, 如果你和你的朋友喜欢同样的音乐、杂志或书籍，
don't buy the same ones! 不要买同样的！
Buy different ones and share them with each other. 买不同的，然后互相分享。
That way, you can listen to or read even more of what you love. 这样，你就可以听或读更多你喜欢的东西。
Buy recycled products. 购买可回收产品。
It's friendlier to the environment to make new clothes from old materials, 要对环境更友好，可以用旧材料做新衣服，
new books from old paper, and new phones from the parts of old ones. 用旧纸做新书，用旧零件做新手机。
Before you buy anything, check if it is made from recycled materials. 在购买任何东西之前，请检查它是否由可回收材料制成。
Remember — the choice is yours! 记住——选择权在你！
3. Read Paras. 1 and 2 of the text. 3. 阅读文章的第 1 段和第 2 段。
What are some bad shopping habits? 有哪些不良的购物习惯？
Why do we shop the way we do? 我们为什么要这样购物？
What effects do they bring? 它们带来了什么影响？
Complete the notes. 完成笔记。
People's bad shopping habits 人们不良的购物习惯
Problems: 问题：
Reasons: 原因：
advertisements everywhere 到处都是广告
Effects on the Earth: 对地球的影响：
4. Look at the advertisement on the right. 4. 看右边的广告。
What tricks does it use to encourage people to buy the product? 它用什么技巧来鼓励人们购买产品？
Keep your family safe with this all-purpose cleaner! 用这款多功能清洁剂保护您的家人安全！
5. Read the rest of the text. 5. 阅读课文的其余部分。
What advice does the writer give? 作者给出了什么建议？
6. In pairs, take turns to talk about people's bad shopping habits, the reasons and effects. 6. 两人一组，轮流谈谈人们不良的购物习惯、原因和影响。
Give some advice on shopping smart. 给出一些关于明智购物的建议。
Read and Explore 阅读与探索
7. Analyse and Appreciate 7. 解释与欣赏
Answer the questions 回答问题
1. Is the text written to entertain, to inform or to persuade? 1. 文章是为了娱乐、告知还是说服？
Give reasons. 给出理由。
2. Is the text formal, informal or semi-formal? 2. 文章是正式的、非正式的还是半正式的？
Give reasons. 给出理由。
8. Think and Share 8. 思考并分享
Do you find the text helpful? 你觉得这篇文章有用吗？
How and why? 如何有用以及为什么？
Do you have other ideas about shopping smart? 你对明智购物还有其他想法吗？
Focus on Language 聚焦语言
9. Vocabulary in Use 9. 词汇应用
Complete the dialogue between Jenny and Martin on the influence of advertisements with the correct form of the words in brackets. 使用括号中单词的正确形式完成珍妮和马丁关于广告影响的对话。
10. Grammar Discovery 10. 语法探索
Pronouns (Review) 代词（复习）
Decide what each pronoun means in the text. 确定每个代词在文章中的含义。
Then, complete the Your Discovery box. 然后，填写“你的发现”框。
they in line 7: 第 7 行的“他们”：
it in line 10: 第 10 行的“它”：
they in line 23: 第 23 行的“他们”：
companies 公司
their in line 10: 第 10 行的“他们的”：
they in line 10: 第 10 行的“他们”：
them in line 27: 第 27 行的“他们（宾格）”：
Your Discovery 你的发现
form, meaning, use 形式，含义，用法
Grammar Summary, Page 126; Grammar in Use, Page 127. 语法总结，第 126 页；语法应用，第 127 页。
Express Yourself 表达自我
11. Speaking 11. 说一说
Do you have any bad shopping habits? 你有什么不好的购物习惯吗？
How can you stop such bad habits and shop smart? 你怎么能改掉这些坏习惯，明智购物呢？
Give a short speech in class. 在课堂上做一个简短的演讲。
YOUR IDEA 你的观点
Why is it important to shop smart? 为什么明智购物很重要？
I think it's important to shop smart because ______. 我认为明智购物很重要，因为______。
Lesson 2 Save or Spend? 第 2 课 储蓄还是消费？
Learn, Understand and Do 学习、理解与实践
How should teenagers spend their pocket money? Why? 青少年应该如何花他们的零花钱？为什么？
Activate and Share 启发并分享
1. What do you do with your pocket money? 1. 你用你的零花钱做什么？
Discuss with a partner. 与搭档讨论。
Use the ideas to help you. 用这些想法来帮助你。
What I do with my pocket money 我如何处理我的零用钱
Save it 储蓄它
keep it in my wallet 把它放在我的钱包里
put it in the bank 存入银行
give it to my parents to look after 把它交给我父母看管
Spend it 消费它
on good deals 在优惠好价上
on school things 在学校用品上
on clothes that are of good quality 在质量好的衣服上
Listen and Explore 听力和探索
2. Listen to the dialogue between two friends. 2. 听两个朋友之间的对话。
What are they talking about? 他们在谈论什么？
Girl: Do you get any pockets money? 女孩：你有零花钱吗？
Boy: Yes, I do. 男孩：是的，我有。
Girl: Me too. 女孩：我也是。
I get it monthly, but I often spend it in less than two weeks! 我每月都会收到它，但我经常在不到两周的时间里用完它！
Boy: How come? 男孩：为什么？
What do you buy? 你买什么？
Girl: Well, books, clothes and some fun things. 女孩：嗯，书、衣服和一些有趣的东西。
I just love shopping with my friends! 我只是喜欢和朋友一起购物！
Boy: Mm, sounds fun. 男孩：嗯，听起来很有趣。
Girl: I always find good deals. 女孩：我总是能找到优惠好价。
I compare the prices in different shops before I buy anything, 在买东西之前，我会比较不同商店的价格，
but sometimes I buy things I don't really need. 但有时我会买一些我并不真正需要的东西。
Boy: I'm the opposite. 男孩：我正好相反。
I don't buy much. 我买的不多。
I save my money and only spend it on the things I need. 我把钱存起来，只花在我需要的东西上。
At the moment, I'm saving for a new skateboard. 目前，我正在存钱买一块新滑板。
Girl: Are you going to get a cheap one or an expensive one? 女孩：你要买便宜的还是贵的？
Boy: Actually, I always look at the style and quality when choosing new things, 男孩：事实上，我在选择新东西时总是看款式和质量，
rather than the price. 而不是价格。
Girl: That's good, and you can also look in different shops and compare the prices. 女孩：那很好，你也可以去不同的商店看看，比较一下价格。
Boy: That's useful advice. Thanks! 男孩：那是个有用的建议。谢谢！
Girl: Have you got any advice for me? 女孩：你有什么建议吗？
How can I save money? 我怎样才能省钱？
Should I keep the money or put it in a bank? 我应该把钱留起来还是存入银行？
Boy: I think you can give it to your parents to look after. 男孩：我想你可以把它交给你父母看管。
3. Listen again and complete the notes of the speakers' spending habits. 3. 再听一遍，并完成说话者消费习惯的笔记。
Girl: Do you get any pockets money? 女孩：你有零花钱吗？
Boy: Yes, I do. 男孩：是的，我有。
Girl: Me too. 女孩：我也是。
I get it monthly, but I often spend it in less than two weeks! 我每月都会收到它，但我经常在不到两周的时间里用完它！
Boy: How come? 男孩：为什么？
What do you buy? 你买什么？
Girl: Well, books, clothes and some fun things. 女孩：嗯，书、衣服和一些有趣的东西。
I just love shopping with my friends! 我只是喜欢和朋友一起购物！
Boy: Mm, sounds fun. 男孩：嗯，听起来很有趣。
Girl: I always find good deals. 女孩：我总是能找到优惠好价。
I compare the prices in different shops before I buy anything, 在买东西之前，我会比较不同商店的价格，
but sometimes I buy things I don't really need. 但有时我会买一些我并不真正需要的东西。
Boy: I'm the opposite. 男孩：我正好相反。
I don't buy much. 我买的不多。
I save my money and only spend it on the things I need. 我把钱存起来，只花在我需要的东西上。
At the moment, I'm saving for a new skateboard. 目前，我正在存钱买一块新滑板。
Girl: Are you going to get a cheap one or an expensive one? 女孩：你要买便宜的还是贵的？
Boy: Actually, I always look at the style and quality when choosing new things, 男孩：事实上，我在选择新东西时总是看款式和质量，
rather than the price. 而不是价格。
Girl: That's good, and you can also look in different shops and compare the prices. 女孩：那很好，你也可以去不同的商店看看，比较一下价格。
Boy: That's useful advice. Thanks! 男孩：那是个有用的建议。谢谢！
Girl: Have you got any advice for me? 女孩：你有什么建议吗？
How can I save money? 我怎样才能省钱？
Should I keep the money or put it in a bank? 我应该把钱留起来还是存入银行？
Boy: I think you can give it to your parents to look after. 男孩：我想你可以把它交给你父母看管。
4. How are their spending habits different? 4. 他们的消费习惯有何不同？
Whose spending habits are you in favour of? Why? 你赞成谁的消费习惯？为什么？
Discuss in pairs. 两人一组讨论。
5. Listen again. 5. 再听一遍。
What advice do they give each other? 他们给对方什么建议？
Girl: Do you get any pockets money? 女孩：你有零花钱吗？
Boy: Yes, I do. 男孩：是的，我有。
Girl: Me too. 女孩：我也是。
I get it monthly, but I often spend it in less than two weeks! 我每月都会收到它，但我经常在不到两周的时间里用完它！
Boy: How come? 男孩：为什么？
What do you buy? 你买什么？
Girl: Well, books, clothes and some fun things. 女孩：嗯，书、衣服和一些有趣的东西。
I just love shopping with my friends! 我只是喜欢和朋友一起购物！
Boy: Mm, sounds fun. 男孩：嗯，听起来很有趣。
Girl: I always find good deals. 女孩：我总是能找到优惠好价。
I compare the prices in different shops before I buy anything, 在买东西之前，我会比较不同商店的价格，
but sometimes I buy things I don't really need. 但有时我会买一些我并不真正需要的东西。
Boy: I'm the opposite. 男孩：我正好相反。
I don't buy much. 我买的不多。
I save my money and only spend it on the things I need. 我把钱存起来，只花在我需要的东西上。
At the moment, I'm saving for a new skateboard. 目前，我正在存钱买一块新滑板。
Girl: Are you going to get a cheap one or an expensive one? 女孩：你要买便宜的还是贵的？
Boy: Actually, I always look at the style and quality when choosing new things, 男孩：事实上，我在选择新东西时总是看款式和质量，
rather than the price. 而不是价格。
Girl: That's good, and you can also look in different shops and compare the prices. 女孩：那很好，你也可以去不同的商店看看，比较一下价格。
Boy: That's useful advice. Thanks! 男孩：那是个有用的建议。谢谢！
Girl: Have you got any advice for me? 女孩：你有什么建议吗？
How can I save money? 我怎样才能省钱？
Should I keep the money or put it in a bank? 我应该把钱留起来还是存入银行？
Boy: I think you can give it to your parents to look after. 男孩：我想你可以把它交给你父母看管。
6. Do you have any more suggestions for the girl? 6. 你对这个女孩还有什么建议吗？
What have you learnt from the dialogue? 你从对话中学到了什么？
Discuss in pairs. 两人一组讨论。
Focus on Language 聚焦语言
7. Vocabulary in Use 7. 词汇应用
Complete Martin's speech with the words and expressions in the box. 使用方框中的单词和短语完成马丁的演讲。
spend 花费
compare 比较
look after 照顾
save 节省
look around 环顾四周
manage 管理
8. Grammar Or 8. 语法 Or（或）
form, meaning, use 形式，含义，用法
Grammar Summary, Page 128; Grammar in Use, Page 128. 语法总结，第 128 页；语法应用，第 128 页。
Express Yourself 表达自我
9. Speaking 9. 说一说
Your friend received some money for her birthday. 你的朋友生日收到了一些钱。
She is not sure what to do with it. 她不知道该怎么办。
Leave her a voice message with your advice. 给她留个语音留言，告诉她你的建议。
YOUR IDEA 你的观点
Why is it important for teenagers to manage their pocket money wisely? 为什么青少年明智地管理他们的零花钱很重要？
I think it is important for teenagers to manage their pocket money wisely because ______. 我认为青少年明智地管理他们的零花钱很重要，因为______。
Lesson 3 Save for It 第 3 课 存钱
Learn, Understand and Do 学习、理解与实践
Do teenagers need to learn how to create a budget? Why? 青少年需要学习如何制定预算吗？为什么？
Activate and Share 启发并分享
1. Do you have a budget? 1. 你有预算吗？
What kind of things are often included in your budget? 你的预算中通常包括哪些东西？
Pocket money (total: ______) 零花钱（总计：______）
Monthly expenses 每月花费
food and drinks 食品和饮料
school supplies 学校用品
mobile phone bills 移动电话账单
free-time activities 业余活动
others 其他
Amount 金额
2. Besides creating a budget, 2. 除了制定预算，
what else can you think of to better manage your money? 你还能想到什么来更好地管理你的钱？
Read and Understand 阅读理解
3. Read the story below. 3. 阅读下面的故事。
What is Emily's problem? 艾米丽的问题是什么？
Emily loved running in the park every morning before school. 艾米丽喜欢每天早上上学前在公园里跑步。
She wanted a pair of wireless headphones to listen to music on her morning run. 她想要一副无线耳机，以便在晨跑时听音乐。
Many of her friends already had theirs 她的许多朋友都有自己的无线耳机，
and she was eager to buy a pair of her own. 她渴望买一副自己的。
However, when she counted her pocket money, she found that she didn't have enough. 然而，当她数着零花钱时，她发现自己没有足够的钱。
Emily thought about asking her parents for more, but she knew they wouldn't agree. 艾米丽想向父母要更多，但她知道他们不会同意的。
She also had the idea of asking her classmates to lend her some money, 她还想让同学们借给她一些钱，
but it wasn't the right thing to do. 但这不是正确的做法。
Emily wondered, 'Where has all my pocket money gone?' 艾米丽想知道，“我的零花钱都去哪儿了？”
Then, she remembered, 'I bought cute toys, expensive pens and lots of soft drinks. 然后，她想起，“我买了可爱的玩具、昂贵的钢笔和很多软饮料。
What a waste of money!' 真是浪费钱！”
She thought to herself, 她心想，
'I don't need more toys, I can easily buy cheaper pens, “我不需要更多的玩具，我可以很容易地买到更便宜的钢笔，
and I can take a bottle of water with me when I go out with my friends.' 当我和朋友出去的时候，我可以带一瓶水。”
From that moment on, Emily decided to spend money only on what she needed. 从那一刻起，艾米丽决定只把钱花在她需要的东西上。
She created a budget by writing down all the things she needed to buy, 她通过写下她需要买的所有东西来制定预算，
such as lunch, pens and notebooks for school and her mobile phone bills. 比如午餐、学校的钢笔和笔记本以及她的手机账单。
She added these up and found that, 她把这些加起来发现，
if she only bought what was necessary, she could save £20 a month. 如果她只买必要的东西，她每月可以节省 20 英镑。
That meant, in four months, she would have the money to buy her headphones! 这意味着，四个月后，她就有钱买耳机了！
Emily started using her budget to track how she spent money. 艾米丽开始用她的预算来追踪她是如何花钱的。
She didn't buy anything that wasn't in it, so she was able to save up. 她没有买任何不在里面的东西，所以她能够存钱。
Then, Emily came up with another idea. 然后，艾米丽想出了另一个主意。
She could buy her headphones even sooner if she found a way to get a bit more money. 如果她能找到一种方法赚更多的钱，她可以更快地买耳机。
Then, she started to collect recyclable bottles, 然后，她开始收集可回收的瓶子、
tins, old books and used paper and sold them for money. 罐头、旧书和废纸，并把它们卖掉换钱。
'Every penny counts. It's never too late to start managing money,' Emily thought. “每一分钱都很重要。开始理财永远不会太晚，”艾米丽想。
Emily was very pleased about the way she organised her money. 艾米丽对自己的理财方式感到非常满意。
At this point, she couldn't agree more with the saying, 此刻，她完全赞同那句俗话：
'As you manage your money, you manage your life.' “你如何管理自己的金钱，就如何管理自己的生活。”
She looked forward to running with her new wireless headphones in the near future. 她期待着不久后就能戴上新的无线耳机跑步了。
Skill Builder 技巧积累
Guessing the meaning of unknown words 猜测未知单词的含义
You can read the sentences before and after the unknown words, e.g. budget. 你可以阅读未知单词前后的句子，例如预算。
Use other contextual clues like pictures. 使用其他上下文线索，如图片。
You can also use knowledge of word formation to guess the meaning, 你还可以使用构词法知识来猜测含义，
e.g. wireless, headphones and recyclable. 例如无线、耳机和可回收物。
4. How did Emily solve her problem? 4. 艾米丽是怎么解决她的问题的？
Read again and complete Emily's problem-solving process. 再次阅读并完成艾米丽的问题解决过程。
How Emily solved her problem 艾米丽是如何解决她的问题的
analysed the problem 分析了问题
It's not right to ask her parents for money or borrow money. 向父母要钱或借钱是不对的。
made decisions 做出决定
Writing Workshop 写作工坊
A Poem 一首诗
Get Ready for Writing 写作准备
1. You are going to add one more verse to finish the poem below. 1. 你要再加一节来完成下面的诗。
Read the first three verses quickly and discuss what it is about. 快速阅读前三节诗句，并讨论其内容。
Can you give a title to the poem? 你能给这首诗起个标题吗？
What should you pay attention to when writing a poem? 写诗时应该注意什么？
Read for Writing 阅读写作
2. Focus on Content 2. 聚焦内容
Read the first three verses of the poem. 阅读这首诗的前三节。
Discuss the questions below. 讨论以下问题。
1. What does each verse focus on? 1. 每节诗句的重点是什么？
2. What do some people struggle to get and what is the writer's attitude? 2. 有些人很难得到什么，作者的态度是什么？
3. Does the writer write the poem to inform, 3. 作者写这首诗是为了告知、
share or entertain (Skill Builder on Page 31)? 分享还是娱乐（第 31 页的技巧积累）？
Some people struggle 有些人奋力
To reach for the stars. 去摘星星。
They want big houses, 他们想要大房子，
And they want fast cars. 他们想要快车。
I don't need fortune, 我不需要好运，
And I don't need fame. 也不需要名声。
I don't need the world 我不需要世界
to remember my name. 记住我的名字。
I don't need riches; 我不需要财富；
I won't tell you why. 我不会告诉你为什么。
The best things in life 生命中最好的东西
Are things money can't buy. 是钱不能买到的东西。
3. Focus on Structure 3. 聚焦结构
Read the poem again. Answer the following questions. 再读一遍这首诗。回答以下问题。
1. In what ways are poems different from essays? 1. 诗歌和散文有什么不同？
How many lines does each verse have in this poem? 这首诗每节有多少行？
2. Read the examples of literary devices used in the poem. 2. 阅读诗歌中使用的修辞手法示例。
Write lines using the devices for the new verse. 用这些手法写出新诗的诗句。
Repetition: e.g. I don't need fortune, and I don't need fame. 重复：例如，我不需要好运，也不需要名声。
Speaking Workshop 演讲工坊
Making Suggestions About What to Buy 提出购买建议
Activate and Share 启发并分享
1. You are going shopping to buy a present for your best friend or a family member. 1. 你要去购物，给你最好的朋友或家人买礼物。
Discuss what to buy with a partner. 与搭档讨论买什么。
I want to buy a present for my best friend. 我想给我最好的朋友买件礼物。
How about some books or magazines? 买点书或杂志怎么样？
Listen and Learn 听力与学习
2. Listen and read the dialogue. 2. 听一听并阅读对话。
What suggestions does Amber make? 安布尔有什么建议？
And why? 为什么？
Underline the key information. 在关键信息下方划线。
Then, act out the dialogue. 然后，表演对话。
Do you want to come shopping with me? 你想和我一起去购物吗？
Sure. What are you going to buy? 当然。你打算买什么？
I want to get a present for my grandma, 我想给我奶奶买件礼物，
but I don't know what to choose. 但我不知道该选什么。
Well, what does she like doing? 嗯，她喜欢做什么？
She enjoys jogging. 她喜欢慢跑。
Then, you could get her a pair of shoes. 那么，你可以给她买双鞋。
Maybe, but I don't know what size she wears. 也许吧，但我不知道她穿多大号的。
And I can't afford a pair of shoes. 而且我买不起一双鞋。
She also likes reading. 她也喜欢读书。
Why don't you get her a book? 你为什么不给她买本书？
It's a good idea, but I've only got 20 yuan. 这是个好主意，但我只有 20 元。
Well, how about making her something? 好吧，给她做点什么怎么样？
You could choose some special photos of the family and create a video with them. 你可以选择一些家庭的特殊照片，并用它们制作视频。
I can help you. 我可以帮你。
That's a great plan! 这是个好计划！
Then she can remember all the good times we've had together every time she watches it. 每次她看这个视频的时候，她都能想起我们在一起的美好时光。
3. Read the dialogue again. 3. 再读一遍对话。
How do the speakers make, reject and accept suggestions? 说话者如何提出、拒绝和接受建议？
Listen and complete the Talk Builder. 听录音并完成会话积累。
Then, repeat. 然后，复述。
Talk Builder 会话积累
Making suggestions 提出建议
You could get her a pair of shoes. 你可以给她买双鞋。
Why don't you get her a book? 你为什么不给她买本书？
How about making her something? 给她做点什么怎么样？
I suggest buying/getting... 我建议买⋯⋯
Talk Builder 会话积累
Rejecting suggestions 拒绝建议
Reading Club 1 阅读俱乐部 1
A Father's Valuable Gift 父亲的珍贵礼物
Once upon a time, an old farmer lived in central China. 从前，在中国中部有一位老农民。
He led a happy life and enjoyed carefree days. 他过着幸福的生活，享受着无忧无虑的日子。
But one day, he became seriously ill. 但有一天，他病得很重。
He asked his two sons to come to him. 他让他的两个儿子来找他。
He said, 'I want to leave you the most valuable thing in my life. 他说：“我想把我生命中最珍贵的东西留给你们。
With it, you will never go hungry. 有了它，你们永远不会挨饿。
It is there, in that box — but do not open it until I am gone.' 它就在那里，在那个盒子里——但在我走之前，不要打开它。”
After the old man passed away, 老人去世后，
the two sons opened the box and found a wooden board with the words 'Diligence' and 'Frugality' on it. 两个儿子打开盒子，发现了一块木板，上面写着“勤”和“俭”。
They looked carefully at the board, but couldn't see anything valuable about it. 他们仔细地看了看木板，但看不出任何有价值的东西。
They were puzzled how it would help them live a good life. 他们很困惑这怎么能帮助他们过上美好的生活。
Finally, the brothers decided to cut the board in half. 最后，兄弟俩决定把木板切成两半。
The elder son took the word 'Diligence', while the younger son took the word 'Frugality'. 大儿子拿走了“勤”这个字，小儿子拿走了“俭”这个字。
The elder son hung the word 'Diligence' in his home. 大儿子在家里挂了“勤”字。他
He worked hard from sunrise to sunset, and grew lots of food year after year. 从日出到日落都在努力工作，年复一年地种植了大量的食物。
However, he wasted many things. 然而，他浪费了很多东西。
He often cooked too much for meals and lived far beyond his means. 他经常做太多饭，过着入不敷出的生活。
The younger son put the word 'Frugality' on the wall in his home. 小儿子把“俭”字挂在家里的墙上。
He was frugal in life, but he was lazy. 他生活节俭，但很懒惰。
He slept until noon every day and seldom took care of the plants in his field. 他每天睡到中午，很少照顾田里的植物。
Of course, he didn't grow much food, and his life became very difficult. 当然，他没有种太多的食物，他的生活变得非常困难。
One year, no rain fell for months. 有一年，几个月没有下雨。
Soon both brothers had no food to eat. 很快，兄弟俩都没有食物吃了。
They met up and looked at the words from their father. 他们聚在一起，看着父亲的话。
'Father cheated us,' they said. “父亲欺骗了我们，”他们说。
Reading Club 2 阅读俱乐部 2
Don't Shop — Swap! 不要购物——交换！
It's common to want new things — in fact, it's normal! 想要新事物是很常见的——事实上，这很正常！
Every time we buy something new, 每次我们买新东西，
our brains send messages to our bodies that make us feel good. 我们的大脑都会向我们的身体发送信息，让我们感觉良好。
But some teenagers are trying swapping, not shopping for something new. 但一些青少年正在尝试交换，而不是购买新东西。
It's simple: you have a jacket your friend wants to wear, 这很简单：你有一件朋友想穿的夹克，
and your friend has a book you want to read, so you swap. 你的朋友有一本你想读的书，所以你们交换了。
You both get something new. 你们俩都得到了新的东西。
You're both happy, and neither of you has spent any money! 你们俩都很开心，而且你们俩都没花过钱！
Swapping isn't only about saving money, however. 然而，交换不仅仅是为了省钱。
There are lots of reasons to try it! 有很多理由去尝试它！
First, you don't have to wait until you've saved up enough for new earphones or a pair of sunglasses, 首先，你不必等到存够钱买新耳机或太阳镜，
so you can get new stuff more often. 这样你就可以更频繁地买新东西。
Second, your bedroom will be tidier if you swap instead of shopping. 其次，如果你交换而不是购物，你的卧室会更整洁。
You won't have to find space for books you'll never read, 你不必预留空间去存放你永远不会翻阅的书籍、
electric devices you don't use or clothes you don't wear. 闲置电器以及不再穿戴的衣物。
Third, swapping is better for the environment. 第三，交换对环境更好。
Making new things uses electricity and water. 制造新事物需要电力和水。
When we throw them away, they go to landfill sites and cause more problems. 当我们扔掉它们时，它们会进入垃圾填埋场，造成更多的问题。
Swapping means we make fewer new things, and throw less away. 交换意味着我们制造的新东西更少，扔掉的东西也更少。
Finally, swapping is fun! 最后，交换很有趣！
Project 专项
Understanding Money Management 理解资金管理
Task 任务
In groups, use a creative way to show your understanding of money management. 在小组中，用一种创造性的方式来展示你对资金管理的理解。
Explain what you have learnt about personal finance in this unit. 解释一下你在本单元学到了什么关于个人理财的知识。
Discuss and decide on a format for your group project. 讨论并决定小组项目的形式。
a brochure 小册子
a poster 海报
a vlog 视频博客
Planning 计划
How many sections are you going to include in your work? 你打算在作品中包括多少部分？
What subheadings will you have for each section? 每部分你会有什么副标题？
What information, ideas or photos will you use for each section? 你会在每个部分使用什么信息、想法或照片？
How will you divide the work among members? 你将如何在成员之间分配工作？
Creating 创作
Follow the steps to create your work. 按照以下步骤创作你的作品。
Make sure that everyone takes a part. 确保每个人都参与其中。
Check Your Progress 进度评估
1. Complete the text with your ideas about managing money. 1. 用你对理财的观点来完成这篇文章。
2. Read and complete the text about three types of budgeting with the words in the box. 2. 用方框中的单词阅读并完成关于三种预算的文章。
Which one is best for you? 哪一种最适合你？
its 它的
your 你（们）的
each 每个
every 每个
it 它
other 其他
who 谁
Zero-based budgeting (ZBB) 零基预算（ZBB）
The 50/30/20 method 50/30/20 法则
Envelope budgeting 信封预算
3. In pairs, use the prompts to make suggestions for buying presents. 3. 两人一组，根据提示提出购买礼物的建议。
Then, reject or accept them. 然后，拒绝或接受建议。
1. buy/your sister/a book (×) — doesn't enjoy reading 1. 买/你妹妹/一本书（×）——不喜欢读书
2. make/your grandma/a card (√) 2. 做/你奶奶/一张卡片（√）
3. bake/your mum/a cake (√) 3. 烤/你妈妈/蛋糕（√）
4. get/your dad/a new coat (×) — don't know his size 4. 给/你爸爸/一件新外套（×）——不知道他的尺码
Unit Summary 单元总结
What have you learnt in this unit? 你在本单元学到了什么？
Complete the diagram to summarise and reflect on what you've learnt. 完成图表并反思所学内容。
Add more if you can. 如果可以的话，添加更多。
Then, share with a partner. 然后，与搭档分享。
PERSONAL FINANCE helps ______. 个人理财有助于______。
Personal finance awareness 个人理财意识
common shopping habits: 常见的购物习惯：
possible reasons: 可能的原因：
Money management 资金管理
本课为北师大版九年级上册英语《Unit 4 Personal Finance》，包含 Topic Talk / L1 Shopping smart / L2 Save or Spend? / L3 Save for it 等同步课文板块。
围绕《Unit 4 Personal Finance》主题展开情景对话与阅读训练，配套原版高清发音与逐句中文翻译。
点击任意英文句子即可单句点读复读，建议对照双语字幕跟读模仿语音语调。
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