2023春國(guó)家開(kāi)放大學(xué)-04019管理英語(yǔ)3-期末考試題帶答案

交際用語(yǔ)（單選題）1、-Howdidyoumissyourtrain?

-_______________________

正確選項(xiàng)1.Well,Iwascaughtinthetrafficjam.(V)

2、-Don'ttaketoolongatthecoffeeshop.It's14:15.

-_______________________________________

正確選項(xiàng)1.Isee.Wehave30minutesleft.(V)

3、-HaveyoubeentoParis?

-_____________________

正確選項(xiàng)1.No,itwasalongtimeago.(V)

4、-HaveyoueverbeentoTokyo?

-_________________

正確選項(xiàng)1.No,butIhopetogotherenextyear.(V)

5、-Hello,I'mHarryPotter.

-Hello,mynameisCharlesGreen,but____________________

正確選項(xiàng)1.callmeCharles(V)

6、-Howareyoufeelingnow?

-_________________

正確選項(xiàng)1.Muchbetter.(V)

7、-Howareyouthismorning?

-_________________

正確選項(xiàng)1.Verywell,thankyou.(V)

8、-I'mterriblysorrythatI'vespilledsomecoffeeonthetable.

-_________________

正確選項(xiàng)1.Itdoesn'tmatter.(V)

9、-I'vestartedmyownsoftwarecompany.

-________________

正確選項(xiàng)1.Nokidding!Congratulations!(V)

10、-It'sgettingdark.I'mafraidImustbeoffnow.

-OK._________________

正確選項(xiàng)1.Seeyou.(V)

11、-Letmeintroducemyself.I'mSteward．

-_______________________________________

正確選項(xiàng)1.Pleasedtomeetyou.(V)

12、-Let'sgotothelibrarythisafternoon.

-_______________________________________

正確選項(xiàng)1.That'sagoodidea.(V)

13、-Lilycomplainsthatshehasnevergotanymail.

-______________.Iwillwriteherrightaway.

正確選項(xiàng)1.That'stoobad(V)

14、-Niceweather,isn'tit?

-_______________________________________

正確選項(xiàng)1.Yes,itis,(V)

15、-Sam,thisismyfriend,Jane.

-_________________

正確選項(xiàng)1.Gladtomeetyou,Jane.(V)

16、-Sosorrytotroubleyou.

-_________________

正確選項(xiàng)1.It'sapleasure.(V)

17、-What'stheweatherlikeinthatarea?

-________________

正確選項(xiàng)1.It'srainy.(V)

18、-What'swrongwithyou,dear?

-_________________________

正確選項(xiàng)1.Ihaveaterribleheadache.(V)

19、-Wouldyoulikesometea?

-_________________

正確選項(xiàng)1.Yes,please.(V)詞匯與結(jié)構(gòu)（單選題）1、_____ofProfessorSmith'shavearrivedhere.

正確選項(xiàng)1.Twostudents(V)

2、_____,somequalitymanagementsystemfailuresdomakeheadlines.

正確選項(xiàng)1.Unluckily(V)

3、______inthelate1970s______Americanmanufacturingfactoriesrealizedtheimportanceofqualitycontrol.

正確選項(xiàng)1.Itwas…that(V)

4、_________youchangeyourmind,Iwon'tbeabletohelpyou.

正確選項(xiàng)1.Unless(V)

5、Acarhitherwhenshewaswalking______theroad.

正確選項(xiàng)1.across(V)

6、Arecent_______showed68%ofcitizenswereinfavouroftheplan.

正確選項(xiàng)1.survey(V)

7、Aretheseshoes____foryou?

正確選項(xiàng)1.largeenough(V)

8、Communityworkerscometo_______rice,vegetables,andotherfood.

正確選項(xiàng)1.distribute(V)

9、Eveninsmallcompanies,computersarean______tool.

正確選項(xiàng)1.essential(V)

10、Heusedto______veryhardwhenhewasyoung.

正確選項(xiàng)1.work(V)

11、Hewas_______tiredastobeunabletowalk.

正確選項(xiàng)1.so(V)

12、Hewasthefirstpersonto_______theconstructionofthebridge.

正確選項(xiàng)1.propose(V)

13、Iboughtanewcarlastmonth,butI______myoldcaryet.

正確選項(xiàng)1.havenotsold(V)

14、Itookitfor_______thatyouwouldn'tcomehereagain.

正確選項(xiàng)1.granted(V)

15、Iwastryingtogetintothe____buswhenIheardavoicefrombehind.

正確選項(xiàng)1.crowded(V)

16、I'veread_____today.

正確選項(xiàng)1.somethingspecial(V)

17、I'mused______upearlynow.

正確選項(xiàng)1.togetting(V)

18、Isthesupermarket______therightorleft?

正確選項(xiàng)1.on(V)

19、Itis_________ratherthanTomthataretoblame.

正確選項(xiàng)1.you(V)

20、ItisoneofthebestconcertsI____________.

正確選項(xiàng)1.haveeverbeento(V)

21、ItwasinJohnson'shotel_____thebusinessmeetingwasheldlastyear.

正確選項(xiàng)1.that(V)

22、Mary'sfatherisverypleased____her.

正確選項(xiàng)1.with(V)

23、Mikeis______anhonestworker______weallbelievehim.

正確選項(xiàng)1.such…that(V)

24、Mr.Grant_____inHangzhousince2006.Helovesthiscity.

正確選項(xiàng)1.hasbeenliving(V)

25、Normally,theprice____________bemarkedontheshelf.

正確選項(xiàng)1.issupposedto(V)

26、OnSaturdayafternoon,Mrs.Greenwenttothemarket,_______somebananasandvisitedherfriend.

正確選項(xiàng)1.bought(V)

27、Peoplecan______money______bankstogoshopping,evenbuycarsorhouses.

正確選項(xiàng)1.borrow…from(V)

28、Suchevents_______onlywhentheexternalconditionsarefavourable.

正確選項(xiàng)1.occur(V)

29、Thatdinnerwasthemostexpensivemealwe__________.

正確選項(xiàng)1.hadeverhad(V)

30、The_______storehasrecentlyinstalledanewbookingsystem.

正確選項(xiàng)1.chain(V)

31、Thebook_____Mike's.Ithashisnameonit.

正確選項(xiàng)1.mustbe(V)

32、Theboxwas_______heavyformetolift.

正確選項(xiàng)1.too(V)

33、Thechild______fluentFrench.

正確選項(xiàng)1.speaks(V)

34、Thecompanymadea_______of$309,000lastyear.

正確選項(xiàng)1.profit(V)

35、Thegovernment_____dosomethingaboutthesecompaniesespeciallywhenfoodsafetyisconcerned.

正確選項(xiàng)1.should(V)

36、Themachine_____thismorningfornoreason.

正確選項(xiàng)1.brokedown(V)

37、Thenews_____wearehavingaholidaytomorrowisnottrue.

正確選項(xiàng)1.that(V)

38、Theprojectrequiredaconsiderable________oftimeandeffort.

正確選項(xiàng)1.investment(V)

39、Theundergroundconnectionsystemis_______twolevels.

正確選項(xiàng)1.madeupof(V)

40、Thereare_____flowersinthegarden.

正確選項(xiàng)1.twolittleyellow(V)

41、They_____leavenextFriday.

正確選項(xiàng)1.decidedto(V)

42、TheysetupabranchinChongqingto_________airconditioners.

正確選項(xiàng)1.manufacture(V)

43、Thisisveryimportant.You__________remembertoshutdownyourcomputereveryevening.

正確選項(xiàng)1.must(V)

44、Thiswasthefirsttimeshesawhim____________.

正確選項(xiàng)1.inperson(V)

45、Ultimately,marketingisdesignedto_____extrarevenue.

正確選項(xiàng)1.bringin(V)

46、Wearealllookingforwardto______yourcountry.

正確選項(xiàng)1.visiting(V)

47、WhileIwasskiing,I_______andbrokemywrist.

正確選項(xiàng)1.fell(V)

48、Youcanofcoursehelpthelocalschoolbygivingthema________directly.

正確選項(xiàng)1.donation(V)

49、Yourfriendisforgetfulandoftenforgetsto________assignments.

正確選項(xiàng)1.submit(V)閱讀理解（單選題）

Asyouresearchmusic,youwillfindmusicthatisfamiliartoyou.Youwillfindmusicwhichtellsofinterestingplacesandexcitingthingstodo.Youwillfindmusicwhichexpressesfeelingsthatareoftenyourown.

Musicisanexpressionofthepeople.Asyouresearch,youwillfindmusicofpeopleatworkandplay.Youwillfindmusicexpressingloveofthecountry,loveofnature,andloveofhome.

Musicisalsoanexpressionofthecomposer.Thecomposerexpresseshisownmusicalideas.Hestudiesthematerialsofmusicanddiscoverswaysofusingthem.Helooksfornewkindsofmusicalexpression.

Musiccansuggestactionsandfeelingswhichweallshare.Wecanenjoyplayingandsingingmusic,dancingandlisteningtothemusicofthepeopleandthecomposersofdifferenttimesandplaces.

1、Bymeansofmusic,thecomposerwishesthat________.

正確選項(xiàng)1.youwouldsharehisfeelingsandideas(V)

2、Fromthesecondparagraph,weknowthat________.

正確選項(xiàng)1.musicsingsofthecountry,natureandhome(V)

3、Inthefirstparagraph,theauthortellsusto_______.

正確選項(xiàng)1.findentertainment(娛樂(lè))inmusic(V)

4、Thelastparagraphshowsthatmusicmakesitpossible________.

正確選項(xiàng)1.themusiccanexpressactionsandfeelingsatthesametime(V)

5、WhichofthefollowingstatementsisNOTtrue.Musicexpresses________.

正確選項(xiàng)1.people'smusicalideas(V)

HumanResourceManagement(HRM)istheprocessofmanagingpeopleandtheirrelationshipsinanorganization.Thesetwoprocessesareimportantinthesuccessandgrowthofabusiness.

Inmanagingpeople,staffingisthemostimportantcomponentofHRM.Itneedstomakeguidelinesandproceduresforhiringandplacement.Staffingalsoinvolvesthemanagementofemployeesonmatterslikemonitoringofholidays,absences,healthandsafety,disciplinaryaction,anddismissal.

AnotherimportantelementforHRMinmanagingpeopleiskeepingtheemployeesinthecompany.Thetrainingofemployeestoenablethemtoimprovetheircareerdevelopmentisveryimportant.GoodHRMpoliciesensurethatthereareclearregulationswhichshowthepaylevelsforthedifferentpositionsinanorganization.Itisimportantforthestafftoknowthecareerpath,pay,trainingandotheropportunitiesthatareavailabletothem.PerformancemanagementisanotherimportantcomponentofHRM.Thereasonforthisisthatmanyemployersuseittoevaluatecareerimprovementandtodeterminepayincreases.

ThesecondaryroleofHRMisthemanagementoftherelationshipsamongpeopleinanorganization.Thisincludesstaffwithindepartmentsaswellasacrossthewholeorganization.Therelationshipbetweenstaffandmanagementisanimportantfactorinthesuccessofanorganization.Itdecideshowfastanorganizationwillrealizetheirgoals.

ThefocusofHRMisthepeoplewithinanorganization.Regularplanning,monitoringandevaluationareimportantforthesuccessofHRM.Successfulmanagementensuresthatallemployeesknowtheirrole,careerdevelopmentandfeelthemselvespartofanorganization.

1、____________isNOTmentionedinthetextaboutthesuccessofHRM.

正確選項(xiàng)1.Training(V)

2、____________is/areimportantinthesuccessofabusiness.

正確選項(xiàng)1.Theprocessofmanagingpeopleandtheirrelationships(V)

3、Accordingtothepassage,itisimportantfortheemployeestoknowthecareerpath,pay,trainingandotheropportunitiesthrough_________.

正確選項(xiàng)1.policies(V)

4、ThemostimportantcomponentofHRMis_________.

正確選項(xiàng)1.staffing(V)

5、Wecanuse_________toevaluatecareerimprovementandtodeterminepayincreases.

正確選項(xiàng)1.performancemanagement(V)

I'mMichaelBush,ManagingDirectorofHoogleEngineering.IampleasedtowelcomeyouheretoourwebsiteandI'dliketotellyoualittleaboutthecompanyanditsorganization.HoogleEngineeringwassetupin1960.Itwasdividedintoseveraldepartmentsatthattime,suchasthesalesdepartment,marketingdepartment,andproductiondepartment.Lotsofmanagerswereemployedtomanageitall.

Fortunatelythingsaredifferentnow.SixtypeopleareemployedbyHoogleandcommunicationbetweendepartmentsisconsideredtobeoneofthemostimportantaspectsofthebusiness.Themarketisglobalsoweneedtomakecontactwithcustomersworldwide,notjustlocally.

Butintheolddayswewereallindifferentdepartmentsandneverspoketoeachother.Wehadatallstructure.Traditionallywehadpeopleatthefirstlevelontheshopfloor,manufacturingproductsaccordingtotheinstructionswhichtheyweregiven.Thenyouhadasupervisorylevelofpeoplewhosupervisedthemeveryday.Thenyoumoveduptothemiddlemanagement,whoweredoingthetasksofgettingnewbusiness,andthenyouhadtheseniormanagementteam,andthenyouhadtheboard,whodecidedthebusinessstrategy.Sotherewerealotoflevelsinthecompanyintheolddaysactually.

Thestructuretodayisthatweformteamswithinteamstoplacepeoplewhocanmanufactureaproduct.Eachteamhasmembersthatcanmanufacturedifferentproducts.Theactualteamsnowareself-managing,sowedon'tevenhaveteamleaders.You'vegottheteams,andthenyou'vegottwopeople,onlytwopeople,whoarewhatyouthinkofasmanagement.Thisisgenerallycalledflatstructure.

1、HoogleEngineeringwassetupin________.

正確選項(xiàng)1.thetwentiethcentury(V)

2、Peopleinaflatstructureusuallyworkin________.

正確選項(xiàng)1.teams(V)

3、Therearemanydifferent________ofmanagementinatallstructure.

正確選項(xiàng)1.levels(V)

4、Whichisthebesttitleforthepassage？

正確選項(xiàng)1.OrganizationStructureinHoogleEngineering(V)

5、WhichofthefollowingstatementsisNOTtrueaccordingtothepassage？

正確選項(xiàng)1.theauthorthinksthetwostructureshavethesamefunctions(V)

MostofusknowabouttheNobelPrize,especiallytheNobelPeacePrize,butfewofusknowanythingaboutthemanwhosetthemup.HisnamewasAlfredNobel.Hewasagreatscientistandinventorhimself.Besides,hehadabigbusiness.Hisbusinessmaysurpriseyou.Hemadeandsoldexplosives.Hiscompaniesevenmadeandsoldweapons.Isn'tthissomethingthatsurprisesyou?ThemanwhomademoneyfromweaponsshouldsetupthePeacePrize?

ThoughAlfredNobelhadalotofmoneyfromweapons,hehatedwar.Hehopedthattherewouldbenowarintheworld.HewasoneoftherichestinEurope.Whenhediedin1896,heleftbehindhimalotofmoneyandhisfamouswill.Accordingtohiswill,mostofhismoneywasplacedinafund.Hewantedtheinterestfromthefundtobeusedasprizeseveryyear.WeknowthemastheNobelPrizes.TheNobelPrizesareinternational.AlfredNobelwantedthewinnerstobechosenfortheirwork,notthecountrytheycamefrom.

AlfredNobelhadgivenhiswholelifetohisstudiesandworkandtothebenefitsofmankind.Hemademoneyallbyhisownefforts,buthelefttheworldsharehiswealth.Hisinventionsandwealthstaywiththeworldforever.

1、Alfred'sbusinesswas_____..

正確選項(xiàng)1.makingandsellingexplosives(V)

2、NobelPrizescomefrom_____.

正確選項(xiàng)1.alltheinterestfromthefund(V)

3、NobelwantedtosetuptheNobelPeacePrizebecause_____.

正確選項(xiàng)1.hehatedwar(V)

4、Nobelwasa(an)_____personintheworld.

正確選項(xiàng)1.unselfish(V)

5、WhichstatementofthefollowingisRightaccordingtothepassage?

正確選項(xiàng)1.Nobelworkedhardinhislifeandsavedlotsofmoneyfortheworldtoshare.(V)

UncleLiandUncleWangaregoodfriends.Theylivenexttoeachotherandtheirfarmsarebothatthefootofthemountain.Sotheycanhelpeachother.Butneitherofthemlikestousehishead.They'rebothpoorthoughtheyworkhard.Mostvillagershavebuiltnewhouses,buttheystillliveinthelowandbrokenhouses.Theyneverfindoutwhy.

OnceUncleLiwenttotowntobuysomemedicineforhiswife.Inthetownheheardtheapplesinacitywereexpensive.HetoldUncleWangaboutitassoonashewentback.Theydecidedtocarrysomeapplestothecity.Theyborrowedsomemoneyfromtheirfriendsandboughtnearly1,000kilogramsofapplesinthevillagesandcarriedthemtothecityonatractor.Badluck!Alotofappleshavealreadybeencarriedtherewhentheyarrived.Afewdayslatertheyhadtosellthematalowprice(價(jià)格).Theyfeltunhappyandreturnedtotheirvillage.

"Ican'tunderstandwhywesustained(蒙受)lossesinbusinesswhileothersalwaysprofit(盈利)"UncleLiaskedoneday.

"Thetractorwastoosmall,"UncleWangsaidwithoutthinking."We'llcarrymoreapplesonatrucknexttime!"

"Iagree!"saidUncleLi."Howfoolish(傻的)wewere!"

1、Thetwofarmerscarriedtheapplestothecityto_________.

正確選項(xiàng)1.makeaprofit(V)

2、Thetwofarmershadtoselltheirapplesatalowpricebecause________.

正確選項(xiàng)1.alotofappleshadbeenalreadycarriedtothecity(V)

3、UncleLiandUncleWangliveinthelowandbrokenhousesbecause_________.

正確選項(xiàng)1.they'rebothpoor(V)

4、UncleLiandUncleWangwereunhappybecause_________.

正確選項(xiàng)1.theyhadsustainedlossesinbusiness(V)

5、Whichofthefollowingistrue?

正確選項(xiàng)1.Neitherofthefarmersisclever.(V)閱讀理解（判斷題）

Communityserviceisaserviceoractivitywhichisperformedbysomeoneoragroupofpeopleforthebenefitofthepublicorpublicorganizations.

Whilevolunteersmayprovidecommunityservice,noteveryonetakingpartinacommunityserviceprogramisavolunteer,becausenoteveryoneisdoingitthroughtheirownchoice.Sometimespeopleareaskedtodoitby:

●theirgovernment,aspartofacitizenshiprequirementinsteadofmilitaryservice;

●thecourtsandothercriminaljusticepunishments;

●theirschool,tomeettherequirementsofaclass,ortomeettherequirementsofgraduation,or,inthecaseofparents,requiredtoprovideacertainnumberofhoursofserviceinorderfortheirchildtobeenrolledinaschoolorsportsteam.

Therearealsopeopleprovidingcommunityservice,buttheyreceivesomeformofpaymentinreturnfortheirwork.

Youthcommunityservice

Communityserviceperformedbyyoungpeople,alsoknownasyouthservice,isintendedtostrengthenyoungpeople'ssensesofcivicengagementandcommunity,andtohelpthemachievetheireducational,developmentalandsocialgoals.

Highschoolgraduation

ManyeducationalinstitutionsintheUnitedStatesrequirestudentstoperformcommunityservicehourstograduatefromhighschool.InsomehighschoolsinWashingtonState,forexample,studentsmustcomplete60hoursofcommunityservicetoreceiveadiploma.

Conditionsofparticipation

Contributionofserviceisaconditionofenrolmentinsomeprograms.Mostcommonly,parentsmayberequiredtoservefortheirchildtobeenrolledinaschoolorsportsteam.

Colleges

Thoughtechnicallynotarequirement,manycollegesmakecommunityserviceanunofficialrequirementforacceptance.However,somecollegespreferworkexperienceovercommunityservice,andsomerequirethattheirstudentsalsoparticipateincommunityserviceinordertograduate.

1、Everyuniversityconsiderscommunityserviceisthemostimportantexperienceforstudentsamongotherpractices,likeinternship.

正確選項(xiàng)1.F(V)

2、Insomehighschools,studentsmustcompletecertainhoursofcommunityservicetoreceiveadiploma.

正確選項(xiàng)1.T(V)

3、Mostoftheyouthwhovolunteerincommunityservicearemotivatedbypersonalpurposes.

正確選項(xiàng)1.F(V)

4、Somepeoplewhotakepartincommunityservicesarenotvolunteers.

正確選項(xiàng)1.T(V)

5、Theorganizeristhebeneficiaryofcommunityservice.

正確選項(xiàng)1.F(V)

Englishisspokenasanativelanguagebyaround377millionpeople,andasasecondlanguagebyaround375millionspeakersintheworld.SpeakersofEnglishasasecondlanguagewillsoon

outnumber

thosewhospeakitasafirstlanguage.

Around750millionpeoplearebelievedtospeakEnglishasaforeignlanguage.

Englishhasanofficialoraspecialstatusin75countrieswithatotalpopulationofover2billion.

The

domination

oftheEnglishlanguage

globally

isasurething.Englishisthelanguageofinternationalcommunications,business,tourism,education,science,computertechnology,mediaandtheInternet.Surprisingly,70%ofallinformationstoredontheInternetisinEnglish.

British

colonialism

inthe19thcenturyandAmericancapitalismandtechnologicalprogressinthe20thcenturywere

undoubtedly

themaincausesforthe

spread

ofEnglishthroughouttheworld.

Fromthefifteenthcentury,theBritishbegantosailallovertheworldandbecameexplorers,

colonists

and

imperialists.TheytooktheEnglishlanguagetomanyplaces.Forthelasthundredyears,theU.S.A.hasplayedaleadingroleinmostpartsoftheworld.

TheHollywoodfilmindustryalsoattractedmanyforeignartistsin

quest

of

fame

and

fortune

andthenumberofAmericanfilmsproducedeveryyearsoon

flooded

themarket.

However,thefutureofEnglishasagloballanguagewilldependverylargelyonthepolitical,economic,

demographic

andculturaltrendsintheworld.

1、AmericanexplorerssailedallovertheworldandtookEnglishtomanyplaces.

正確選項(xiàng)1.F(V)

2、Englishisthemostwidelyusedlanguageintheworldaccordingtothesecondparagraph.

正確選項(xiàng)1.T(V)

3、Englishwillmaintainitsdominancebecauseofitslanguageadvantage.

正確選項(xiàng)1.F(V)

4、ThefirstparagraphshowsthatEnglishhasthelargestpopulationofnativespeakersintheworld.

正確選項(xiàng)1.F(V)

5、TheHollywoodfilmsfloodedthemarketbecausepeopleintheworldloveEnglishfilms.

正確選項(xiàng)1.F(V)

Ithinkthemostterriblethinginlifeformylittlebrotherisgettingupinthemorning.Heisalmostsickwhenmymothercalls,"Herbert!It'sseveno'clock!Getup!"

Herbertanswers,"I'mcoming!"andgoesrightbacktosleep.I'mnotatalllikemybrother.Idon'tliketogotobedatnightbutIdon'tmindgettingupinthemorning.Iusuallywakeupbeforemymothercallsme.Ijumpoutofbedandgointothebathroomtotakeashower.Igetdressed,brushmyteeth,combmyhair,andgetreadytogodownstairsforbreakfastassoonasmymothercalls.

ButnotHerbert.Hejustsleeps.Amilitaryband(軍樂(lè)隊(duì))inourbedroomcouldnotwakehimup.Icallhimandsay,"Getup!Mumwillbeupheretopullyououtofbedifyoudon'tgetupimmediately!"

Buthejustsleeps.AftercallingafewmoretimesmymotherhastocomeupstairsandpullHerbertoutofbed.It'sthatwayeverydaywithmylittlebrother.Perhapssomedayhe'lllearntogetupontime,butIreallydon'tthinkso.

1、MymotheroftenhastogoupstairsandpullHerbertoutofbedasherefusestogetup.

正確選項(xiàng)1.T(V)

2、SometimeswehavetosendforamilitarybandtowakeHerbertup.

正確選項(xiàng)1.F(V)

3、Themostterriblethinginlifeformylittlebrotherisgoingtoschool.

正確選項(xiàng)1.F(V)

4、ThewriterthinkssomedayHerbertwilllearntogetupontime.

正確選項(xiàng)1.F(V)

5、Whenmothercalls,Herbertdoesn'tanswerandremainsinbed.

正確選項(xiàng)1.F(V)

Tosavemoney,yousimplyneedtospendlessthanyouearn.Itiseasytosay,butwhyisitsodifficulttodo?Toanswerthisquestion,youneedtostudythefactorsthatkeepyouspendingallthetime.

Easyaccesstocredit

Formostpeople,thisisthebiggestreasonforoverspending.Peoplecaneasilygetacreditcard,simplybyfillingoutashortforminabankorjumpingontheirwebsite.Theycanborrowmoneyfrombankstogoshopping,evenbuycarsorhouses.Whenyouaren'tphysicallyhandingsomeonemoneyoracheckforapurchase,youwillfeelyouarespendingfreemoneyoryouaren'tspendingmoneyatall.Tryusingcashtogetyourspendingundercontrol.

Misusingcreditcards

Acreditcardisaninterestfreeshort-termloan.Whenusedasplanned,thiscanbeapowerfulfinancialtool.Theproblemisw