献给月欠族,你可以这样建立一份简单的预算

日期:2021-03-08 19:11:08   来源:互联网   编辑:小狐   阅读人数:538

Many people have at least a few poor spending habits. They might be fairly minor, like buying coffee every morning instead of ng your own, or they might be more severe, like reckless credit card spending.

许多人都有乱花钱的坏习惯。这些习惯可能都比较不起眼,例如每天早上买成品咖啡而不是自己调制;有时候这些习惯比较严重,例如随意使用信用卡消费。

For some people, these poor habits pr them from paying off their student loans and achieving the financial stability that they desire.

对于有些人来说,这些坏习惯导致他们还不上助学贷款,也实现不了所需的财务稳定。

献给月欠族,你可以这样建立一份简单的预算(图1)

Fortunately, there are a few highly effective fixes that can help you avoid throwing money away unnecessarily.

幸运的是,这里有一些非常有效的方法可以帮助你避免在不必要的地方浪费钱财。

记录支出

As they say, the first step is admitting that you have a problem.Often, people dont recognize their poor spending habits until theyve already buried themselves under a mountain of debt.

就像人们说的那样,首先要承认你遇到了麻烦。通常有些人没认识到他们乱花钱的坏习惯,直到债务压身。

献给月欠族,你可以这样建立一份简单的预算(图2)

One of the easiest ways to identify your bad money habits and recognize ways to save is to track your spending.

怎样发现乱花钱坏习惯并找到解决措施呢?最容易的方法就是记录你的支出。

Track your purchases for a month and separate them into categories such as rent, utilities, entertainment, groceries, and dining.

记录你一个月内的购买情况,并将其按类分列,例如房租、水电等公用费用、娱乐、日用杂货以及餐饮等。

If doing this on your own seems like a lot of work, free apps like Mint will automatically categorize your spending. Just link your bank account and check back regularly.

如果这些全部由自己来做的话,似乎工作量有些大,有些免费的APP,比如Mint,可以自动对你的支出进行分类。你只需把你的银行账户进行绑定,定期回查就行了。

Tracking your spending is the easiest way to see where exactly your money is going every month. Youll likely be surprised to see how much you spend in certain categories.

要弄清每月的钱究竟都花到哪里了,记录支出这种方法是最容易的一种。你可能会很惊奇地发现你在有些东西上花了那么多钱。

建立预算

Creating a budget is probably the most basic yet most important financial advice.

建立预算可能是最基本,也是最重要的财务建议了。

献给月欠族,你可以这样建立一份简单的预算(图3)

After tracking your spending for a month, you can create a simple budget by adding up your total recurring expenses, setting aside a certain amount for savings, and splitting up the rest between categories like eating out and entertainment.

在对一个月的支出进行记录之后,你可以这样建立一份简单的预算:合计总的重复性支出、留出用于储蓄的数额,按照类别(例如出外吃饭和娱乐等)将剩余的分开。

Alternatively, there are plenty of budgeting apps that analyze your spending habits and create a budget for you.

另外,现在还有许多预算APP可以用来分析你的支出习惯并为你建立预算。

谨慎使用信用卡和个人贷款

Credit cards give people access to money whenever they need it and often charge extraordinarily high interest rates. As a result, it can be very easy to accumulate extreme credit card debt.

献给月欠族,你可以这样建立一份简单的预算(图4)

Personal loans tend to offer lower interest rates than credit cards but can also lead to overspending and building debt.

相比信用卡来说,个人贷款的利息较低,但也可能导致过度支出而负债。

In order to avoid debt and benefit from rewards, you should treat your credit cards like debit cards. Only spend as much money as you have. And only take out in loans what you need.

为避免负债并从中获益,你应该像使用借记卡那样对待信用卡。仅花销你拥有的数额,在需要的时候才借贷。

杜绝冲动消费

Black Friday is a great example. Every year, people flock to stores to take advantage of sales on items that theyve never even considered buying before.

黑色星期五是个不错的例子。每年人们都蜂拥至商店,利用促销的机会购买他们之前根本没考虑过的东西。

献给月欠族,你可以这样建立一份简单的预算(图5)

Impulse purchases happen because you buy something without taking the time to consider whether or not you really need it and can afford it.

冲动消费就是你购买了某些东西,但并没有考虑是否真的需要以及是否有能力购买。

The best way to avoid impulse spending is to simply wait before ng a purchase. If you aren’t absolutely sure that you need a certain item, tell yourself that you’ll buy it in five days if you still want it or decide that you need it.

避免冲动消费的最好方法就是在购买之前等等。如果不确定自己是否需要,那就告诉自己在未来五天内再来买,前提是到时候你确定还想要或者还需要这东西。

Waiting just a few days to make a purchase will give you time to think about your priorities. Often, you’ll find that you lose interest in the item or you’ll completely forget about it altogether.

等上几天再买让你能有时间想想什么最急需。通常情况下,你会发现你对这东西失去了兴趣或者你彻底把它忘掉了。

Using the methods listed above is a great way to get started on breaking your bad money habits and improving your financial stability.

上文这些方法有助于你开始戒掉乱花钱的坏习惯并改善你的财务稳定程度。

本文相关词条概念解析:

预算

预算(Budget),预算是经法定程序审核批准的国家年度集中性财政收支计划。它规定国家财政收入的来源和数量、财政支出的各项用途和数量,反映着整个国家政策、政府活动的范围和方向。同时预算还指企业或个人未来的一定时期内经营、资本、财务等各方面的收入、支出、现金流的总体计划。它将各种经济活动用货币的形式表现出来。每一个责任中心都有一个预算,它是为执行本中心的任务和完成财务目标所需各种资财的财务计划。预算包含的内容不仅仅是预测,它还涉及到有计划地巧妙处理。所有变量,这些变量决定着公司未来努力达到某一有利地位的绩效。

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