If money problems are keeping you up at night, you are not alone. A new survey from Bankrate shows that more than half (56%) of U.S. adults lose sleep at night over at least one money-related issue. This isn’t surprising. Money is the second most common source of stress for Americans, according to a 2017 survey from the American Psychological Association (APA).
Women, parents, and children under the age of 18 are the most likely to lose sleep over credit card debt, according to the Bankrate report. Survey respondents also said they were more likely to stress over credit card debt than other pressing matters, such as climate change, raising children, educational expenses, and stock market volatility.
If you stress over credit card debt, there are strategies to help make sure you spend responsibly and pay off your bills on time. Priya Malani, a founding partner at Stash Wealth, recommends thinking about whether you can truly afford the items that you are buying before charging anything to your card. “Remember, never put something on your credit card that you can’t pay for in full when the statement is due, or else you’re using your credit card to live a lifestyle you can’t afford,” Malani said.

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1.How many American adults lose sleep at night according to the new survey?

A 55% of U.S. adults.

B 60% of U.S. adults.

C Half of U.S. adults.

D More than half of U.S. adults.

解析：选D。细节理解题。根据第一段第二句A new survey from Bankrate shows that more than half (56%) of U.S. adults lose sleep at night over at least one money-related issue.可知，超过一半的美国成人晚上失眠，故选D。

2.What’s the second most common source of stress for Americans?

A Money.

B Climate change.

C Raising children.

D Educational expenses.

解析：选A。细节理解题。根据第一段第三句Money is the second most common source of stress for Americans可知，钱是他们第二大压力来源，故选A。

3.What should you do before you buy something according to Priya Malani?

A You should buy it at once.

B You should think about whether you like it.

C You should think about whether you want to buy it.

D You should think about whether you can truly afford it.

解析：选D。细节理解题。根据第三段第二句Priya Malani, a founding partner at Stash Wealth, recommends thinking about whether you can truly afford the items that you are buying before charging anything to your card.可知，储备财富公司的联合创始人普利亚•马拉尼提议，在把帐记到卡上之前，考虑一下你是否真的买得起这些你打算购买的物品，故选D。

4.Which of the following is NOT true?

A We shouldn’t put anything on our credit cards that we can’t pay for in full.

B You are not alone when you lose sleep caused by money problems at night.

C The passage introduces some strategies to help make sure people spend responsibly.

D Survey respondents are less likely to stress over credit card debt than other pressing matters.

解析：选D。细节理解题。根据第二段第二句Survey respondents also said they are more likely to stress over credit card debt than other pressing matters, such as climate change, raising children, educational expenses, and stock market volatility.可知，调查的受访者表示，与气候变化、抚养孩子、教育费用以及股票市场波动等其他紧迫事件相比，他们更可能因为信用卡债务而倍感压力，故选D。

5.What can we learn from the passage?

A Once you use the credit cards, you will lose sleep at night.

B The old may be more likely to lose sleep over credit card debt.

C You will live a lifestyle that you can’t afford if you use your credit card.

D You need to think twice when you want to buy something you can’t afford by credit card.

解析：选D。推理判断题。根据第三段第二句recommends thinking about whether you can truly afford the items that you are buying before charging anything to your card.可知，在把帐记到卡上之前，考虑一下你是否真的买得起这些你打算购买的物品，故选D。