It is sad that there are so many people trapped in a storm with their credit cards. What’s worse, they are paying huge interest rates. It’s a pity that so many people are saving money but when they use plastic money (信用卡), they seldom think of it as money. Many financial advisors have tried to explain to people about the value of money. The experts suggest that you save your way into a better tomorrow.However, people are so caught up in spending money that they are becoming economic slaves (奴隶). Nowadays, the average US citizen has over 150% of their income in short-term debt, things like credit cards and car loans. And that is only short-term debt, not including mortgages (抵押贷款), school loans or business loans. Is it any wonder why the rates are so high? Did you also know that the average person has less than 3-weeks emergency money if their income stops? Think about that for a second. What’s the answer? The answer is to stop spending, and save money. Not only to have a nest egg to protect against future hardship or a rainy day, but to save money for a better tomorrow. Only saving money can give you choices and options. Choices can allow you to enjoy a stress-free life, and choices can allow you to live your life to the fullest, creating a better tomorrow. 1. What happens when people spend money according to the passage? A. People use no credit card at all. B. Too many people overspend when they use credit cards. C. Credit cards users need not pay interest. D. Many people hate credit cards. 2. According to the passage, we learn that ______ belong to short-term debt. A. mortgages B. School loans C. Business loans D.credit cards 3. In Paragraph 4, the word “hardship” means ______. A. Hard work B. a bad weather C. A difficult time with financial problems D.a difficult time in bad mood 4. Which statement is NOT true according to the passage? A. Too many people have troubles with their credit cards. B. More and more people are becoming economic slaves. C. As school loan is one kind of short-term debt. D.Only saving money can give you choices and options. 5.According to the passage, What is the author’s attitude towards credit cards? A. negative B. positive C. indifferent D.not clear