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Are you a compulsive spender，or do you hold on to your money as long as possible? Are you a bargain hunter? Would you rather use charge accounts than pay in cash? Your answers to these questions will reflect your personality．According to psychologists，our individual money habits not only show our beliefs and values，but can also stem from past problems．
Experts in psychology believe that for many people，money is an important symbol of strength and influence．Husbands who complain about their wives’ spending habits may be afraid that they are losing power in their marriage．Wives，on the other hand，may waste huge amounts of money because they are angry at their husbands．In addition，many people consider money a symbol of love．They spend it on their family and friends to express love，or they buy themselves expensive presents because they need love．
People can be addicted to different things —for example，alcohol，drugs，certain foods，or even television．They are compulsive in their addictions，i．e．they must satisfy these needs to feel comfortable．In the same way，according to psychologists，compulsive spenders must spend money．
For people who buy on credit，furthermore，charge accounts are even more exciting than money：in other words，they feel that with credit，they can do anything．Their pleasures in spending enormous amounts are actually greater than those they get from the things they buy．
There is even a special psychology of bargain hunting．To save money，of course，most people look for sales，low prices，and discounts．Compulsive bargain hunters，however，often buy things that they don’t need just because they are cheap．They want to believe that they are helping their budgets，but they are really playing an exciting game：when they can buy something for less than other people，they feel that they are winning．Most people，experts claim，have two reasons for their behavior：a good reason for the things that they do and the real reason．
It is not only scientists，of course，who understand the psychology of spending habits，but also business people．Stores，companies，and advertisers use psychology to increase business：they consider people’s needs for love，power，or influence，their basic values，their beliefs and opinions， etc．in their advertising and sales methods．
Psychologists often use a method called “behavior therapy（療法）”to help individuals solve their personality problems．In the same way，they can help people who feel that they have problems with money：they give them “assignments” If a person buys something in every store that he enters， for instance，a therapist might teach him self discipline in this way：on the first day of his therapy， he must go into a store，stay five minutes，and then leave．On the second day，he should stay for ten minutes and try something on．On the third day，he stays for fifteen minutes，asks the salesclerk a question，but does not buy anything．Soon he will learn that nothing bad will happen to him if he doesn’t buy anything，and he can solve the problem of his compulsive buying．
小題1:If you use charge accounts，           ．
A．you pay in cash
B．you pay less than you should
C．you pay with credit card
D．you pay more than you should
小題2:Compulsive bargain hunters buy things for all the following reasons except that         ．
A．the things they buy are cheap
B．they believe they can balance their budgets
C．they get psychological satisfaction
D．they really need the things they buy
小題3:Behavior therapy in this case aims at         ．
A．helping businessmen to increase their business
B．helping compulsive spenders to buy less
C．finding out how people will react if they are allowed to buy
D．finding out what people will do in front of a bargain
小題4:The underlined word “those” in Paragraph 3 refers to         ．
A．different things
B．their addictions
C．their pleasures
D．charge accounts
小題5:From the passage we can conclude that         ．
A．how you spend money reveals if you are psychologically healthy
B．money is a necessity and will bring you happiness if you have much
C．compulsive buying problems can be solved by taking some medicine
D．all businessmen understand well the psychology of customers

小題1:C
小題2:D
小題3:B
小題4:C
小題5:A
文章講述的是不同的消費方式和消費習慣能反映出消費者的性格特征和不同的心理需求。
小題1:事實細節(jié)題。根據第四段第一，二行可知。
小題2:事實細節(jié)題。 根據第五段Compulsive bargain hunters，however，often buy things that they don’t need just because they are cheap．可知。
小題3:推理判斷題。根據最后一段最后一句可知。
小題4:詞義猜測題。句意為他們花大量金錢的樂趣實際上比他們從買到的東西那得到的樂趣更多。所以是樂趣與樂趣相比，即pleasure
小題5:推理判斷題。B項文中沒有講到，C項錯在taking some medicine D項錯在all businessmen。
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