Learning to save money when you're young is an important lesson. All good lessons and habits begin early, and saving is a skill that everyone __36__. Many people—adults included—do not have a good __37__ of saving for the long run.

I have been _38__ to learn this lesson early because I have had a grass cutting business since I was 10 years old. 39__ the money I make I spend about 10 percent and save the other 90.

Making sure you save and don't spend too much is a good way to __40__ wealth. I have put my earnings in a bank. Many teens I know spend all the money they earn so it never has a chance to _41__. Young people should __42_ that their teenage years are a great time to begin saving.

If you have a job at high school, you _43__ have fun with some of the money. But you should also save some __44__ it will grow. Then you can begin planning for your future. When you spend money, you not only lose that money, __45__ lose the interest you could have earned by saving it.

After high school, college is __46__， with expenses such as food and rent. If you can  __47__ a good percentage of the money you earn as a teen, going to college and buying a house will be much easier. If you are in your thirties without any savings, you will always have to __48__.

Later in life it can be hard to start saving _49__ general  cost of living is more expensive and you may only have enough to pay your _50__. If you want to buy a house and have a family, you need money to start with, which __51__ saving.

Many say money cannot make you happy, and this is true. But money can help you to lead a __52__ life.

Saving early will mean you will have to work for fewer years when you are older. It will also __53___ you to spend time doing the things that you want to do.__54__， it will mean you can live the way you want to without  55__.

1.A. needs          B. likes            C. arranges     D. expects

2.A. knowledge      B. experience       C. form         D. sense

3.A. foolish            B. fundamental C. lucky        D. grateful

4.A. With           B. Of           C. In               D. From

5.A. divide up          B. build up     C. keep up      D. make up

6.A. break          B. run          C. make             D. grow

7.A. recognize      B. realize          C. research         D. doubt

8.A. must           B. dare         C. should               D. may

9.A. so that            B. in case          C. in that      D. but for

10.A. but               B. and          C. also             D. or

11.A. expensive     B. cheap            C. boring           D. bitter

12.A. hold out          B. hold up      C. hold onto    D. hold back

13.A. survive           B. struggle     C. tolerate         D. die

14.A. if                B. as long as       C. while        D. since

15.A. bills             B. taxes            C. attention            D. consequences

16.A. results from      B. gets from        C. comes from           D. escapes from

17.A. happy         B. simple           C. miserable        D. secure

18.A. forbid            B. allow            C. Advise       D. request

19.A. In addition       B. Above all        C. On the contrary      D. Believe it or not

20.A. consulting        B. worrying     C. resting      D. thinking

 

 My wife and I had just finished the 150-mile trip home from our daughter’s college. It was the first time in our life that we would __36__ for any length of time. We wondered how other people had __37__ it.

Later in bed, I __38__ the time I started college. My father had driven me, too. My mother had to stay home to keep the __39__ from getting into the crops. I, the fourth in a line of brothers, was the first to __40__ college.

The truck was slow, and I was glad. I didn’t want to get to the city __41__. I shook hands with my father in the truck and he didn’t say a word. But I knew he was going to make a little __42__. He finally said, “I never went to college and __43__ of your brothers did. I can’t say don’t do this or that, because everything is __44__ and I don’t know what is going to come up, but I think things will __45__. When you get a job, be sure to be honest and work hard.” I knew that soon I would be __46__ in the big town and I would be __47__ the life home.

Then my father __48__ the Bible that he had read so often. I knew that he would miss it but I must __49__ it. He just said, “This can help you __50__ you will let it.”

When I finished school I took the Bible __51__ to my father. But he said he wanted me to __52__ it.

Now, too often, I remember. It would have been so __53__ to give it to my daughter when she got out of the car. But I didn’t. My father could give me only a Bible, but now I don’t really believe that I gave her half as __54__ as my father gave me. So the next morning I __55__ up the book and sent it to her. I wrote a note “This can help you.” I said, “if you will let it.”

1. A. worry         B. separate         C. stay             D. travel

2. A. left              B. stood                C. enjoyed          D. tried

3. A. wasted            B. spent                C. remembered       D. killed

4. A. policemen     B. workers          C. cattle               D. birds

5. A. graduate from B. go away to           C. set out              D. set up

6. A. very late     B. far away         C. too soon         D. once again

7. A. speech            B. living               C. promise          D. progress

8. A. some          B. one              C. none             D. all

9.A. impossible     B. different            C. difficult            D. favorite

10. A. work out     B. die out              C. hold out         D. break out

11. A. happy            B. alone                C. free             D. lost

12. A. losing           B. spending         C. missing          D. living

13. A. brought about    B. brought out          C. brought up           D. brought down

14. A. refuse           B. mark             C. follow               D. take

15. A. if               B. unless               C. but              D. though

16. A. down         B. up               C. back             D. away

17. A. keep         B. return               C. post             D. sell

18. A. popular          B. strange          C. ready                D. nice

19. A. much         B. many             C. far              D. good

20. A. set              B. turned               C. gave             D. wrapped