第二篇：        Surprises are scary when you do not have control of your finances. An unexpected car repair, a medical procedure,a job loss, or any other financial emergency can quickly send you spiraling into new or more debt, __36__ out anyprogress you’ve made towards taking control of your money.       Creating an emergency fund is another way to make your money work for you because it means you haveplanned for surprises. If an emergency__ 37__ come up, you can put the money in your fund to work and regaincontrol of the situation.        Building an emergency fund can take time. Ideally, you should save the equivalent of three to six months’__ 38__ ofincome. But every little bit you can set aside will help. If you are still paying off debt or don’t have much__39__ roomin your budget, set aside whatever you can in a “surprise expenses” category in your budget. At the end of themonth, transfer __40__ is in this category to a separate savings account.        Once you are out of debt or have more free money in your budget, you can set up larger recurring contributionsto grow your emergency fund even faster.
【題組】36.
(A) wiping
(B) wipe
(C) filling
(D) fill