###Vocabulary（）

###Expression（）

###grammar（）

###Listening（）

###Final Task（）

Listening（预算建议）

Vocabularies

Affluenza 富贵病；美/ˈæfluˈenzə/ 合成词，affluence（富裕）+ influenza（流感），带明显讽刺意味

affluence 美/ˈæfluəns/ n. 富裕；富足

influenza 美/ˌɪnfluˈenzə/ n. 流感；流行性感冒

materialistic 美/məˌtɪriəˈlɪstɪk/ adj. 贪图享乐的，物质至上

costs 费用

rare flu 一种罕见的流感

secretly：美/ˈsikrətli/ 暗地里、内心深处

contract 美/ˈkɑːntrækt , kənˈtrækt/ n.合同 v.感染

epidemic 美/ˌepɪˈdemɪk/n.流行病 ；

sweep 美/ˈswiːp/ v. 打扫，吹走；迅速传播；突然袭来

sweeping the world：席卷整个世界

upwardly mobile：社会阶层不断上升的人群（中产 / 精英阶层）

mobile 美/ˈmoʊbl/ adj. 可移动的；

primarily affecting：主要影响

obsessed with：美/əbˈsest/adj.(对…)着迷的；v.痴迷；

accumulate 美/əˈkjuːmjəleɪt/ v.积累；(数量)逐渐增加；

vast amounts of：巨量的

possession 美/pəˈzeʃn/n.个人财产

been stricken by：被……击中 / 侵袭（被动、严重）

strike 美/straɪk/ v.侵袭；

addiction 美/əˈdɪkʃn/ n. addiction

as is the case with…：正如……的情况一样（固定表达）

hold the key to：是……的关键

more rewarding：更有回报感 / 更有意义

lead a … life：过一种……的生活

frugal 美/ˈfruːɡl/ adj.节俭的；

pursue 美/pərˈsuː/ v. 追求；

Take up：开始从事

freecycling：免费物品循环

unused and unwanted items：不用的、不要的物品

happens to be：恰好是

seasonally 美/ˈsizənəli/ 季节性地；

produce：n. 产品；(尤指)农产品

in season = 正值产季、盛产期

not only … but (also) …：不仅……而且……

get more bang for your buck：固定习语，字面“每一美元获得更大的响声”，意为“更划算 / 性价比更高”

more taste on your plate：盘子里的味道更好，引申为“食物更美味”

Better yet：更好的是 / 甚至更进一步（用于提出升级版建议）

the surplus：剩余、富余部分（经济/农业常用词）

surplus 美/ˈsɜːrplʌs/n.盈余；剩余；过剩量；adj.剩余的；过剩的；

Use your time profitably：高效/有价值地利用时间（profitably 非“赚钱”，而是“有回报”）

a night class：夜校课程

bargained 美/ˈbɑːrɡən/ vi. (与某人就某事)讨价还价，商讨条件

get a lot more than you bargained for：固定表达，字面“得到比你谈判/预期的更多”，引申为“收获超出预期”

discounted rates：折扣价、优惠价格（rate 指收费标准）

rate 美/reɪt/ n.率；速度；价格v.评价；评估；分等；

admission 美/ədˈmɪʃn/n.准许进入；入场费；

sporting events：体育赛事

guest lectures：嘉宾讲座

art exhibits：艺术展览 美/ɪɡˈzɪbɪts/ n.展览

Last but not least：最后但同样重要（总结性过渡语）adj.小的；

Prevention：预防

outward 美/ˈaʊtwərd/adj.向外的；表面的；n.外部；外表；

inward 美/ˈɪnwərd/ adj.内心的；

ward off：抵御、防止（正式用语）

ward 美/wɔːrd/v. 保护，守卫；避开；

Video playing

Section 1

Would you like to be rich and famous? Do you dream of owning the hottest car or wearing the latest fashion? If you answered yes to most of these questions, then you run a high risk of contracting the ‘affluenza virus.’ ‘Affluenza’ is an epidemic sweeping the world of the upwardly mobile, primarily affecting those who are obsessed with impressing others and accumulating vast amounts of money and possessions.

“Affluenza（富贵病）”是一种正在社会上升阶层中蔓延的“流行病”，它主要侵袭那些沉迷于取悦和炫耀给他人看，并不断囤积大量金钱与物质财富的人。

“‘Affluenza’ is ____.”

1、a social disease in which people are too materialistic

2、rich people’s medical costs

3、a rare flu

Section 2

How do you know if you’ve been stricken by this ‘disease’? Some symptoms include depression, anxiety and addiction. But as is the case with most diseases, a change in lifestyle could hold the key to your recovery. The first change to make is to realize that success is not necessarily measured by how much cash you have in the bank. The second change is to find ways to lead a simpler, more rewarding life. Living frugally can help you free up time to pursue what’s truly important to you, like spending more time with friends and family. Here are a couple of ideas: Take up freecycling. Get friends and colleagues to bring in unused and unwanted items from home. Put everything on a table, and let people take the things they want. It’s free stuff, and it’s recycling! It also happens to be a great way to spend time with people, too.

这里有几个建议：开始尝试 freecycling，让朋友和同事把家中闲置、不要的物品带来。

Freecycling is____.

1、car pooling 拼车

2、exchanging things you no longer use with friends

3、riding your bicycle without a license 无证骑自行车

**Section 3 **

Eat seasonally. Buying produce which is in season not only means you get more bang for your buck but more taste on your plate. Better yet, try growing your own small garden. Eating communally is another great way to share costs and spend time with friends and family.

【新生活方式】按季节吃东西。购买当季的农产品，不仅更划算，而且吃起来也更美味。更进一步的话，不妨试着自己种一个小菜园。这样你既能省钱，还能把多余的收成分享给朋友。

Eating communally means _____.

1、sharing a meal together

2、eating outside under the stars

3、eating out at a fancy restaurant

Section 4

Use your time profitably. Rather than shopping or working late, sign up for a night class at a local college or university. Sometimes you can get a lot more than you bargained for. Many universities offer discounted rates or free admissions to their fitness center, sporting events, guest lectures, performances and art exhibits. Last but not least, work out what your priorities are. Cut out unnecessary expenses. Save time for what you really want to do. As the old saying goes, ‘Prevention is the best medicine.’ Living a life which is outwardly simple but inwardly rich is one of the best ways to ward off ‘affluenza’.

精读解析

【新生活方式】有时候，你得到的会远超预期。许多大学都会为学生提供健身中心、体育赛事、嘉宾讲座、演出和艺术展览的优惠票价，甚至免费入场。最后但同样重要的是，弄清楚什么才是你的优先事项。正如老话所说：“预防胜于治疗。”过一种外在简朴、内心丰盈的生活，是抵御“富裕病（过度物质主义）”的最佳方式之一。

part2

frivolous 美/ˈfrɪvələs/ adj.轻浮的；无聊的；

once in a while：偶尔

splurge 美/splɜːrdʒ/ n.挥霍；乱花钱；糟蹋钱 v.挥霍；

bargains 美/ˈbɑːrɡən/ n.便宜货；减价品 vi.(与某人就某事)讨价还价，

a money diary：资金日记 / 消费记录本

一、The first advisor says _____.

you should only spend money on the things you really like

you shouldn’t worry about buying frivolous things sometimes

you should prioritize the things you want to buy

二、The second advisor thinks _____.

you should splurge once in a while

you should splurge only when it’s necessary

you should try not to splurge

三、The third advisor suggests _____.

avoiding bargains as they are usually low quality

being patient when you’re looking for a bargain 在寻找优惠时要有耐心。

taking advantage of bargains whenever you see them 无论何时看到优惠，都要加以利用。

四、The fourth advisor talks about a money diary. What is a money diary?

a book in which you write down all the money you make

a book in which you write down all the things you buy

a book in which you write down all the people who owe you money

五、The fifth advisor’s tip is to _____.

make a list of all the things you waste money on 列出你所有浪费钱的项目。

make a list of all your bills and expenses

make a shopping list whenever you go shopping

part3

deceive 美/dɪˈsiːv/ v. 蒙骗；误导；欺骗

frugal 美/ˈfruːɡl/ adj.节俭的；

left over 留下

deceptive 美/dɪˈseptɪv/ adj.骗人的；

surplus 美/ˈsɜːrplʌs/ n.盈余；剩余；过剩；剩余额 adj.剩余的；

deficit 美/ˈdefɪsɪt/ n. 赤字；亏损；缺少；

budget deficit 预算赤字

budget surplus 预算盈（结）余

break the budget：超出预算（固定搭配）

extend yourself：勉强自己；超出能力或财力范围（习语）

extend /ɪkˈstend/ v. 延伸；扩大；过度使用（原形词）

1、All of these unexpected expenses have （broken） the budget.

所有这些意料之外的支出已经打破了预算（使预算超支）。

2、I’d recommend avoiding （frivolous） purchases like ice cream.

我建议避免购买像冰淇淋这样不必要的消费品。

3、Be frugal, and then if you have money left over you can （splurge）.

要先保持节俭，如果还有剩余的钱，再进行适当的奢侈消费。

4、My grandmother is very （frugal） and saves as much as she can.

能省则省

5、Our goal is to have a budget （surplus） at the end of the year.

我们的目标是在年底实现预算盈余。

6、Be careful of your spending. You don’t want to（extend） yourself.

要谨慎控制你的支出，你可不想让自己在财务上过度透支。

grammar（强调句型）

In a cleft sentence：在裂句结构中

cleft 美/kleft/ cleave的过去分词和过去式 adj. 劈（裂）开的

cleave 美/kliːv/ v. （被）劈开

bold 美/boʊld/ adj. 粗体的

in bold 加粗

emphasis 美/ˈemfəsɪs/ n. (对某个词或短语的)强调，加重语气，重读

with emphasis 加重语气

Pseudo 美/ˈsudoʊ/ 假的

Pseudo-cleft （伪裂句）

Inferential 美/ɪnfəˈrɛnʃəl/adj.推理的；

Inferential cleft（推断裂句 / 解释性裂句）

Demonstrative 美/dɪˈmɑːnstrətɪv/ 指示的

Demonstrative cleft（指示裂句）

demonstrative pronouns 指示代词

part 1 在继续前，请确保阅读并了解以下材料：

1/2 Cleft Sentences

Cleft Sentences

In a cleft sentence, information which could be given in one clause is divided into two parts, each with its own verb. The purpose of a cleft sentence is to emphasize a key point in the sentence. There are different types of cleft sentences, but the most common are below. Notice that the words in bold should be said with emphasis.
It-cleft =
It is our *budget that we need to organize.*
Wh-cleft =
What we need to organize is our *budget.*
All-cleft =
All we need to do is organize our *budget.

在裂句中，原本可以用一个从句表达的信息，被拆分成两部分，每一部分都有自己的动词。裂句的目的，是为了强调句子中的某个关键信息。裂句有不同的类型，但最常见的几种如下所示。请注意，加粗的词在朗读时应当重读，以示强调。

It is … that …：It-cleft 的固定强调结构

What we need to organize：what 引导的主语从句（“我们需要整理的东西”）

All we need to do：all 引导的主语从句，表示“我们所需要做的全部事情”

整体总结

  • It-cleft：强调“是 X，而不是别的”
  • Wh-cleft：强调“X 就是答案”
  • All-cleft：强调“只需要做这一件事”

2/2

Pseudo-cleft =
A *budget is what we need to organize.*
Inferential cleft =
It’s not that we have to organize the budget *right now; it’s just that we have to organize it very soon.***

强调点：时间判断的微妙差别

**
Demonstrative cleft =
*That is what we need to organize.*
In the last sentence, that refers to the budget

并不是说我们必须马上整理预算；而是说，我们很快就需要整理它。

part 2 选择正确的选项

1、Choose the correct cleft sentence version of what you hear.

It was unexpected expenses that broke the budget.

The budget caused us many unexpected expenses.

2、Choose the correct cleft sentence version of what you hear.

What we have to do is reduce spending.

Our spending really has to be reduced.

3、Choose the correct cleft sentence version of what you hear.

You extended yourself and that is why there’s a lack of planning.

A lack of planning is why you extended yourself.

4、Choose the correct cleft sentence version of what you hear.

A serious place is what we need for the spending plan.

A serious spending plan is what we need to have in place.

part 3 录下这个短语

1、What you have to do is make your payments manageable.

你必须做的是让自己的付款金额处于可控范围。

make…manageable：使…… 可控

2、The best thing is to consolidate the debt into one sum.

最佳方案是将债务合并为一笔总额。

consolidate /kən’sɑːlɪdeɪt/vt. & vi. 合并

one sum：一笔总额

3、What you need to do is identify the debts you can pay.

你需要做的是明确自己能偿还的债务。

4、The next thing is to identify any assets you could sell.

接下来要做的是找出你可以变卖的资产。

5、What you should do is consider selling some valuables.

你应该做的是考虑变卖一些贵重物品。

valuable 美/‘væljuəbl/ n. 贵重物品

6、All you need to do is work out debt payments.

你唯一需要做的是规划好债务还款的金额。

Final Task（提供财务建议）

Part1 提示时作出回应

1、 It all just crept up on me one moment. My debt was manageable. The next moment it was out of control. Now I’m behind on my mortgage, my car payments, my student loans and my utilities. I’m also in debt to four major credit card companies and owe sums of money to three department stores.

这一切几乎是在一瞬间悄然降临到我身上的。当时我的债务还是在可控范围内的。可转眼之间，一切就彻底失控了。现在，我已经拖欠了房贷、车贷、学生贷款，连水电等日常费用也付不起了。此外，我还欠着四家大型信用卡公司，以及三家百货商店的一大笔钱。

A. Have you thought about getting more credit cards?

B. Do you owe any other money, say to a friend?

C. I suggest you get more store cards so you can eat.

crept up on 固定搭配：在不知不觉中发生 / 悄然逼近

crept 美/krept/ v. 匍匐爬行（creep的过去式）

creep 美 /kriːp/ vi. 爬行；慢慢地移动；蔓延 n. 爬行；

creep up on vt. 爬向(慢慢到来)

Trouble crept up on us 麻烦蔓延到我们身上

department stores 百货商店

I’m behind on… 固定表达：拖欠 / 未能按时支付

utilities 水、电、燃气等公共事业费用

I’m also in debt to… 另一个常见搭配：欠……的钱