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四口之家的预算建议: 理财方式发生了巨变
添加时间:2019-04-30 15:42:34 浏览次数: 作者:未知
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  • Victoria Sully, 33, is a full-time1 blogger who writes about money and lifestyle at lyliarose.com. She lives in Brockworth, Gloucestershire, with her husband Ben, an IT service manager, and their two children, six-year-old Bella and three-year-old Reuben.

    现年33岁的维多利亚·萨利(Victoria Sully)是lyliarose.com网站的一名全职博主,写一些有关金钱和生活方式的帖子。她和丈夫本(一名信息技术服务经理)住在格洛斯特郡的布罗克沃思,他们有两个孩子--6岁的贝拉和3岁的鲁本。

    My approach to money has drastically changed over the past few years. I used to be a spender, but having children has made me more responsible and I'm becoming a saver. Being in my 30s has also been a wake-up call, as I realise I need to save for retirement2. My New Year's resolution this year is to save for an emergency fund, and I've also recently started putting money away towards a pension. I'm starting to think about the future by budgeting and putting money aside.

    过去几年,我对金钱的态度发生了翻天覆地的变化。以前,我都是大手大脚的花钱,但生了孩子后,我变得更有责任感,开始节省开支。30多岁也是一个警钟,因为我意识到,我得为退休存钱了。我在新年下定决心:存一笔应急基金,最近,我开始存养老金了。我开始考虑未来、做预算、存钱。

    One way we've simplified taking care of our finances is by having a joint "master" bank account, where all our income goes into and all our bills are debited3 from. Previously4, all the bills came out of Ben's account, and at the time I worked less or was on maternity5 leave, so we relied solely6 on Ben's income.

    我们通过开办一个联合master账户简化了财务,我们的收入都在这张卡里,账单也从这张卡里支出。之前,所有的账单都从本的账户中支出。有段时间我没怎么工作,且休产假那段时间,一家人都指着本的收入生活。

    I had no access to his account and had to constantly ask Ben to tell me what had gone out, how much money we had left and get him to transfer me money whenever I needed it. Our finances were all over the place and Ben wasn't the best at keeping track of it all. When we got a joint account, I took over the finances by tracking our income, bill payments and budgeting for our spending.

    我没有他的账户密码,不得不经常让本告诉我支出了多少、剩余多少,需要钱的时候,还得让他给我转账。我们各处都有开支,而本却不擅长管理账单。当我们开办了联合账户时,我通过查看收入、账单支出及预算管理我们的财务。

    Budgeting also ensures we stick to our monthly income and save money, too. I use a spreadsheet to list our income and monthly outgoings so we can see what's left once all our direct debits7 have gone out. Our outgoings list will also include a payment to our savings8 account to ensure we save some money each month.

    预算也是确保我们不做月光族并有所积蓄的一个方式。我用电子表列出我们的收入及每月支出,以方便查看剩余金额以及扣款情况。我们的支出清单也包括储蓄支出,以保证每月都有存款。

     10级    双语 


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    1 full-time [ˈfʊlˈtaɪm] SsBz42   第8级
    adj.满工作日的或工作周的,全时间的
    参考例句:
    • A full-time job may be too much for her. 全天工作她恐怕吃不消。
    • I don't know how she copes with looking after her family and doing a full-time job. 既要照顾家庭又要全天工作,我不知道她是如何对付的。
    2 retirement [rɪˈtaɪəmənt] TWoxH   第7级
    n.退休,退职
    参考例句:
    • She wanted to enjoy her retirement without being beset by financial worries. 她想享受退休生活而不必为金钱担忧。
    • I have to put everything away for my retirement. 我必须把一切都积蓄起来以便退休后用。
    3 debited ['debɪtɪd] 672fc006864dde4f9f82e2b164e7a094   第8级
    v.记入(账户)的借方( debit的过去式和过去分词 )
    参考例句:
    • Your current account is automatically debited with the amount of your purchase. 你购物的金额会自动记入账戶借方。 来自《简明英汉词典》
    • The money will be debited from your account. 钱会记入你账戶的借方。 来自《简明英汉词典》
    4 previously ['pri:vɪəslɪ] bkzzzC   第8级
    adv.以前,先前(地)
    参考例句:
    • The bicycle tyre blew out at a previously damaged point. 自行车胎在以前损坏过的地方又爆开了。
    • Let me digress for a moment and explain what had happened previously. 让我岔开一会儿,解释原先发生了什么。
    5 maternity [məˈtɜ:nəti] kjbyx   第10级
    n.母性,母道,妇产科病房;adj.孕妇的,母性的
    参考例句:
    • Women workers are entitled to maternity leave with full pay. 女工产假期间工资照发。
    • Trainee nurses have to work for some weeks in maternity. 受训的护士必须在产科病房工作数周。
    6 solely [ˈsəʊlli] FwGwe   第8级
    adv.仅仅,唯一地
    参考例句:
    • Success should not be measured solely by educational achievement. 成功与否不应只用学业成绩来衡量。
    • The town depends almost solely on the tourist trade. 这座城市几乎完全靠旅游业维持。
    7 debits [ˈdebɪts] a45de27514ab4145190ed2290cf3739f   第8级
    n.(簿记中的)收方,借方( debit的名词复数 );从账户中提取的款项v.记入(账户)的借方( debit的第三人称单数 )
    参考例句:
    • Does this item go among the credits or the debits? 这笔账应记入贷方还是借方? 来自《现代英汉综合大词典》
    • My bank account shows two debits of 5 each. 我的银行帐户借方记入了两笔5英镑的款项。 来自辞典例句
    8 savings ['seɪvɪŋz] ZjbzGu   第8级
    n.存款,储蓄
    参考例句:
    • I can't afford the vacation, for it would eat up my savings. 我度不起假,那样会把我的积蓄用光的。
    • By this time he had used up all his savings. 到这时,他的存款已全部用完。

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