2019年10月9日 • 5分钟
Do you ever wonder where your money goes each month? 你是不是觉得自己永远都无法出人头地? 如果是这样的话, you may want to 做预算 to help you keep track of how you spend your money and help you reach your financial goals.
一个预算, 或者你想取个更积极的名字, 支出计划, is a tool to help you take charge of your spending on a daily, 每周, 按月计算. It's the process of identifying your current monthly income and expenses, your spending habits and aligning them with your financial goals. 一个预算 is a way to keep money from slipping away unnoticed, allowing you to take charge of decisions such as what to buy, 什么时候买, 为什么.
一个预算 allows you to take charge of decisions such as what to buy, 什么时候买, 为什么."
确保你没有忘记任何东西, 检查一下已兑现的支票可能会有帮助, 信用卡账单, 还有去年的其他收据. Finally, as you list your expenses, it is important to remember your financial goals. Whenever possible, treat your goals as expenses and contribute toward them regularly.
If you find yourself spending more than you earn, you'll need to make some adjustments. Look at your expenses closely and cut down on your discretionary spending. 如果你已经选择了财务目标, such as paying off credit card balances or saving for retirement, do the math on how to adjust your spending to fund the goal.
And remember, if you do find yourself coming up short, don't worry! All it will take is some determination and a little self-discipline, 你最终会做对的.
If you are spending too much, there are several ways to cut back. One approach is to work on changing your spending habits. Suppose you are spending too much money on particular items (such as clothing) or spending more money at certain times of the month (near payday). By being aware of those habits, you can make appropriate changes. You may also try shopping smarter and reducing restaurant and/or entertainment expenses. Another option is to downsize to a less expensive car or home to reduce spending.
You may also reduce spending by reducing the cost of your debt. 一种方法是 合并或再融资高息贷款. As mentioned, you shouldn’t be too hard on yourself, but make a few changes. In time, you may be able to bring your spending under control.
To stay on 预算, you must always have enough money coming in. There are a number of ways to 增加收入 if you need to. You might ask for a raise, take a higher-paying job, take a second job (也许是家里来的),或者把爱好变成生意. You can also see if you have any household items or asset you’d like to sell.
Source: Broadridge Financial Solutions, accessed June 14, 2019.
Read this article to find out how to form good spending habits so you can stay on 预算 and reach your financial goals.
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