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Some rain must fall.For many people in the world today those rainy days take the form of financial
problems. If you have found yourself in such a position,  you may be wondering what you should do in
a difficult time.Through this text,  you are given some tips and advice that you can use if you are facing
some sort of financial problems or difficulties.
The first step that you will want to take when you find yourself in a budget crunch(预算短缺) is to
make sure that you take the time to contact your money lenders.By making contact with your money
lenders,  you will open up the lines of communication.In this day and age,  the typical money lender is
going to be willing to deal with you and work with you. As long as you are proactive,  you are likely to
find that a lender or other creditors will be willing to work out a payment plan that will work for you.
The next step that you will want to take is to make a serious budget for the future.One of the reasons
that people run into trouble in many instances rests in the fact that they simply do not take the time to
budget and plan.By planning and budgeting,  you will find that you will have a better chance of avoiding
financial problems and difficulties in the future.
A third step that you will want to take when it comes to dealing with a financial crunch is that you
should start toeliminatesome of your credit cards.Many people do end up facing financial issues because
they have collected far too much debt on credit cards.In this day and age,  people really do tend to
overuse credit cards in many instances.
Finally,  when it comes to dealing with and resolving a financial crunch,  you will want to make sure
that you eliminate some of your unnecessary spending at least for the time being.While you
understandably like to buy things that are entertaining,  nice and special if you are facing financial issues,
it is important to return to the basics until you get rid of a financial crunch.

1. The writer wrote this text in order to ________.
A. give readers some advice on how to deal with financial problems
B. suggest that we should make a careful budget in our daily life
C. show us how to keep in touch with our money lenders
D. explain to us his experience in saving money in his daily life

2. The writer gives all the following tips except ________.
A. to stay in contact with those who lend you money
B. to make a careful plan for your future life
C. to give up some of your credit cards
D. to cook our own meal at home instead of eating out

3. The underlined word "eliminate "in the fourth paragraph most probably means ________in this text.
A. build up
B. get rid of
C. burn up
D. show up

4. What can your money lenders do for you?
A. The money lender can cut off some of his interest for you.
B. The money lender will offer you a certain discount when you pay.
C. The money lender will help to make out a plan for paying back the money.
D. The money lender will allow you extension (延期) if you can't pay.

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