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  3. A budget(预算) is a spending plan. It can help you spend money wisely. It can do this by cutting out wasteful spending. Of course,

A budget(预算) is a spending plan. It can help you spend money wisely. It can do this by cutting out wasteful spending. Of course,

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问题     A budget(预算) is a spending plan. It can help you spend money wisely. It can do this by cutting out wasteful spending. Of course, preparing a budget takes planning, and following a budget takes willpower. Your budget should meet your family’s needs and income.
    The first step in creating a budget is to set your goals. What does your family need and want? You must know this to work out the details of the budget. Keep goals realistic, in terms of income available. Then decide which goals are the most important.
    The next step is estimating family income. Before you can plan wisely, you need to know how much money you have to spend! Write down all the money you expect to receive during the planned budget period.
    After you have calculated how much money will be available, it is time to estimate expenses. List all of your family expenses. If you are not satisfied with what you got for your money, look carefully at your spending.
    It is also a good idea to set aside a small amount of money for emergencies. Every family has small emergencies, a blown tire, a broken device, or the need for minor medical care.
选项 A、It can help you set your goals clearly.
B、It can help you save a lot of money.
C、It can help you get rid of poor buying habits.
D、It can help you spend money in a reasonable way.
答案D
解析 本题为细节辨认题。文章第一段第一、二句讲到“A budget(预算)is a spending plan．It can help you spend money wisely．”即：预算就是一个花钱的计划，它能让你明智地花钱。
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