1 . Overspending can be defined as spending beyond one’s means, and is not rarely seen nowadays. According to a recent report, more than one-fourth of adults surveyed in 2020 had one or more bills that they were unable to pay in full that month.
While every individual’s spending habits are unique to their circumstances, a few common potential issues tend to be responsible for overspending.
Lifestyle creep, a financial trap, where you spend more money as you make more money, for example, often accounts for unrecognized overspending. Individuals that lack a decision-making process for making purchases can also find it difficult to control their spending.
Media and advertisements can also lead to overspending. Marketing strategies aim to create a feeling of scarcity (稀少) for consumers with phrases like “almost sold out” or “two tickets remaining” when they are making online purchases. Emails from favorite sellers can give consumers the impression that they are saving money by taking advantage of a sale, and roadside billboards can lead individuals to make impulsive (冲动的) purchases.
Social pressures to enjoy dinners out and vacations with family and friends may be a push for younger people, who see others enjoying these activities through social media platforms like Instagram. “People think spending makes you happy,” Elizabeth Dunn, professor at the University of British Columbia and chief science officer at Happy Money, says. “But for many people, it’s these values of being true to yourself that make you happy.”
Dunn notes that, “Failures in self-control in the finance can cause dire consequences. Financial stress, for example, has been linked to physical health struggles, problems in close relationships,and stress in retirement.”
“Dealing with overspending should start in bite - size pieces. Small and manageable changes over time are more likely to stick to in the long run. Instead of relying on willpower, setting specific goals and building a foundation with a budget is an effective way.” adds Dunn.
1. Why is a recent report mentioned in paragraph 1?A.To explain what overspending is. |
B.To stress the harm of overspending. |
C.To tell a way to stop overspending. |
D.To show overspending is common. |
A.Possible causes of overspending. |
B.Typical unhealthy spending habits. |
C.Some unavoidable financial traps |
D.Issues resulting from overspending. |
A.Pleasant. | B.Controllable. | C.Terrible. | D.Acceptable. |
A.Making a reasonable budget. |
B.Relying on personal willpower. |
C.Setting grand and general goals. |
D.Starting changing on the whole. |
2 . Talking to yourself may seem a little shameful. If you’ve ever been overheard criticizing yourself for a foolish mistake or practicing a tricky speech ahead of time, you’ll have felt the social ban against communicating with yourself in words.
Take a trip to any preschool and watch a small child playing with her toys. You are very likely to hear her talking to herself: offering herself directions and giving voice to her frustrations (沮丧).
As children, according to a Russian psychologist, we use private speech to regulate our actions in the same way that we use public speech to control the behavior of others.
We internalize (内化) the private speech we use as children—but we never entirely put away the out-loud version.
A.But there’s no need for embarrassment. |
B.If you want proof, turn on the sports channel. |
C.As we grow older, we make it part of our nature. |
D.Psychologists refer to this as private speech. |
E.Talking to yourself is the first sign of madness. |
F.The effect of our words gives a valuable perspective on our actions. |
G.Conducting a self-dialogue is good for solving problems and working through ideas. |
3 . Industrial agriculture is often held up as the solution to feeding the world’s growing population. But small farms of about 25 acres or less produce over 70 percent of the world’s food. To raise awareness of the contribution of these farmers, a global photo exhibition, We Feed the World, is to open on October 12 in London.
“Industrial agriculture, which mainly focuses on a few types of crops, is not the only answer,” says art director Francesca Price. “We want these images to empower people to support their local food system.”
By growing traditional and non-commercial varieties, small farms support biodiversity and increase food security. With only 12 plants and five animal species making up 75 percent of what the world eats, food systems will be easily hurt by natural disasters and disease outbreaks. However, traditional farming communities are working to preserve their ancient seed diversity.
Keeping variety alive is very important in the face of climate change. In the future, researchers might need to get particular genes from—one variety to help another to adapt to warmer, stormier, or drier weather, or to save a prized variety from disease.
Contrary to the false impression held by the public, small farms that practise traditional agriculture can be highly productive. Studies show that the output of crops rises when there’s a wider diversity of crops being grown on a farm, and money is saved since the need for harmful fertilizer(化肥)and other chemicals is reduced.
“The photographs of family farmers may tell just a few local stories, but the message is universal,” says photographer Cheryl Newman. “I hope that the images will leave viewers thinking deeply about where their food comes from and the impact it has on the world around us.”
1. What is the purpose of the photo exhibition?A.To help small farmers to sell their produce. |
B.To show the challenges faced by small farmers. |
C.To help farmers to fight against industrial agriculture. |
D.To draw attention to small farmers’ contribution. |
A.It produces more food than small farms in total. |
B.It harms biodiversity and decreases food security |
C.It has been competing unfairly with small farms. |
D.It is the only way to feed the world’s population. |
A.Their genes are much better. |
B.Their output is much higher. |
C.They may help improve the other crops. |
D.They don’t need chemical fertilizers at all. |
A.Industrial agriculture or traditional agriculture, hard to decide |
B.Agriculture needs diversity |
C.Small farms, big impacts |
D.Traditional agriculture, highly productive |