Soyou'retryingtocutbackonspending．Congratulations．You'vemadeawisedecisionbutitisnotnecessarilyapaththatiseasytofollow．Thetemptationtoover-spendisanever-present，invitingitch（痒）thatyou'llneedtoavoidscra

Question

So you're trying to cut back on spending．Congratulations．You've made a wise decision but it is not necessarily a path that is easy to follow．The temptation to over-spend is an ever-present，inviting itch（痒） that you'll need to avoid scratching（抓挠）．But，armed with the right set of principles，you can keep it at bay
Step 1
If you are going shopping，make sure you only take enough money with you to buy what you need．Extra money is often an excuse for extra spending．If you shop with charge cards，be sure that credit limit is only high enough to keep you from making impulsive（冲动的）purchases．
Step 2
Separate necessary spending and indulgence（放纵）spending．It's a good way to keep that money from flying out of your wallet．If you always pay for necessities first then you won't have the cash flow for the extras that，while you'd love to have them，you don't really need them．
Step 3
Take another person along who understand your goal  of keeping spending down．They can be your second conscience when you see that cute purse on sale and are attempting to justify the purchase．A frown and a shake of the head from your shopping buddy might be the extra signal  that persuades you to leave it behind．
Step4
Don't spend more than you have to，even on necessities．Shopping around you'll find that many everyday items that you do have to buy can be bought for less．Try the store brand instead of the name brand，and shop where you can find bargains．Saving a little money in this area may allow you a bit of self-indulgent spending now and then，as long as you have to"earn"that extra spending by saving．
36．What can we infer from the first paragraph？___
A．The customers are traveling on the sea     
B．The customers are trying to spend less．
C．The customers can't help spending more．
D．There are principles about spending．
37．What can  we do to stop ourselves from spending impulsively？___
A．Avoid a company going to shop with you．
B．Limit the amount of money you take．
C．Spend less on what you need most
D．Pay for what you need most first．
38．According to the passage，___．
A．using charge cards encourages extra spending
B．people often buy things that they don't want
C．the shopping buddy may help you spend more
D．you should buy whatever you want
39．The purpose of the author writing this article is___．
A．to give advice on how to shop
B．to help customers shop wisely
C．to guide people in using credit cards when showing
D．to offer advice on how to keep spending down
40．What does the word"it"the first paragraph refer to？___
A．Scratching     B．Itch
C．Spending．     D．Over spending．

Answer 1

CBADD
36  C  推理判断题．   根据第一段中的The temptation to overspend is an ever-present，inviting itch that you'll need to avoid scratching．可知花费的诱惑是非常强的，是应该避免去触碰的，由此证明C项是正确的．
37  B  细节题．  根据第二段只带足够买所需物品的钱，过多的钱只是为过多的花费找借口；信用卡的额度也要有个限制，这样就可以避免冲动消费可知选B．
38   A  细节题． 根据第二段的最后一句话If you shop with charge cards，be sure that credit limit is only high enough to keep you from making impulsive purchases．可以看出作者警告读者务必确保卡的额度不要太高，由此可推断使用信用卡很容易过度消费．故选A项．
39    D  主旨大意题．  根据第一段中的最后一句话和文章给出的四条建议可以看出是在提建议，如何少花钱．故选D项．
40    D  猜测词义题．  结合上一句话说过度消费是很难禁止的，再加上转折连词But可知后面说的是坚持这样的原则就可以避免过度消费，即D项．