预算是一种财务计划，它详细列出了个人、家庭或组织在一定时期内预期的收入和支出。通过制定预算，可以有效地管理财务资源，确保资金的合理分配，并帮助实现财务目标。预算可以是日常的、月度的、年度的，也可以是长期的，根据个人或组织的需求而定。
Budget: 预算
Financial plan: 财务计划
Income: 收入
Expenditure: 支出
Allocation: 分配
Financial goal: 财务目标
Monthly budget: 月度预算
Annual budget: 年度预算
Long-term budget: 长期预算
Budgeting: 预算编制
Overspending: 超支
Savings: 储蓄
In the realm of personal finance, few concepts are as fundamental as budgeting. It is the cornerstone of financial stability and a compass guiding our spending and saving habits. A well-crafted budget is not just a list of numbers; it is a reflection of our values, priorities, and aspirations.
Creating a budget begins with understanding one's income—the lifeblood of any financial plan. It is the starting point from which we allocate resources to various needs and desires. Next comes the critical task of identifying our expenses, both fixed and variable. Fixed expenses are the constants in our financial landscape, such as rent or mortgage payments, while variable expenses ebb and flow with our lifestyle choices.
The true art of budgeting lies in balancing the inflow and outflow of funds. It requires discipline to avoid overspending and foresight to plan for the future. It is about making conscious decisions to allocate funds towards savings, investments, and other financial goals, rather than letting our earnings slip through our fingers.
A budget is also a tool for financial education. It teaches us the importance of living within our means and the value of delayed gratification. It instills a sense of responsibility and control over our financial destiny. Moreover, it can be a source of empowerment, as we see our savings grow and our financial goals within reach.
However, budgeting is not a one-size-fits-all approach. It must be tailored to fit individual circumstances and aspirations. A budget for a young professional starting out will look different from that of a family with children or a retiree planning for the golden years. The key is to create a budget that is realistic, flexible, and adaptable to change.
In conclusion, budgeting is an art that, when mastered, can lead to a life of financial peace and prosperity. It is the art of making every dollar count, ensuring that our hard-earned money serves us well, both today and in the years to come.
在个人财务领域，很少有概念像预算编制一样基础。它是财务稳定的基石，是我们消费和储蓄习惯的指南针。一个精心制作的预算不仅仅是数字列表；它是我们价值观、优先事项和愿望的反映。
创建预算始于了解自己的收入——任何财务计划的生命线。这是我们分配资源以满足各种需求和愿望的起点。接下来是识别我们的支出的关键任务，包括固定支出和可变支出。固定支出是我们财务景观中的常数，如租金或按揭付款，而可变支出随着我们的生活方式选择而波动。
预算编制的真正艺术在于平衡资金的流入和流出。它需要纪律来避免超支，并具有远见来规划未来。它是关于有意识地决定将资金分配给储蓄、投资和其他财务目标，而不是让我们的收入从我们的指尖溜走。
预算也是财务教育的工具。它教会我们量入为出的重要性和延迟满足的价值。它培养了对我们财务命运的责任感和控制感。此外，它可以是力量的源泉，因为我们看到我们的储蓄增长，我们的财务目标触手可及。
然而，预算编制不是一刀切的方法。它必须根据个人情况和愿望量身定制。一个刚开始职业生涯的年轻人的预算看起来会与有孩子的家庭或计划黄金岁月的退休人员的预算不同。关键是创建一个现实、灵活且适应变化的预算。
总之，预算编制是一种艺术，当掌握时，可以带来财务和平与繁荣的生活。它是一种让每一美元都有价值的艺术，确保我们辛苦赚来的钱在今天和未来都能很好地为我们服务。
❶ 我的预算只有500元。My budget is only 500 yuan .
❷ 这个价钱买它好像太贵了。That seems a high price for it.
同类表达 The price is not reasonable. 这价格不合理。
I don't think the item is worthy of the price. 我认为这件商品不值这个价钱。
❸ 我付不起这个价格。That's more than I can afford.
同类表达 I can't afford this price. 我付不起这个价格。
The item is too expensive to purchase. 这件商品太贵，我买不起。
❹ 这超出我的预算了。This is over my budget.
对话 A: How much is it? 多少钱？
B: It costs 1,000 yuan . 1 000元。
A: This is over my budget. 这超出我的预算了。
❺ 我没有预算买衣服了。I have no budget for clothes.
对话 A: I have no budget for clothes. 我没有预算买衣服了。
B: You have bought so much. 你已经买太多了。
❻ 这价钱比我想的贵。The price is more than I expected.
同类表达 It's too expensive. 太贵了。
It's a bit too much. 太贵了一点。
❼ 我没带那么多现金。I don't have that much money on me.
同类表达 I don't have enough cash left. 我的现金不多了。
对话 A: I don't have that much money on me. Do you accept credit card? 我没带那么多现金。能用信用卡吗？
B: Sorry for that. 抱歉，不能。
❽ 我承认我是个不折不扣的购物狂。I admit that I am a real shopaholic.
对话 A: You bought so much again. 你又买了这么多。
B: I admit that I am a real shopaholic. 我承认我是个不折不扣的购物狂。
A: Don't be a“moonlight clan”anymore. 别再做“月光族”了。
❾ 我没想到价钱涨得那么快。I never thought the price went up that quickly.
对话 A: It's too expensive. I can't bear it. 太贵了。我承担不起。
B: I never thought the price went up that quickly. 我没想到价钱涨得那么快。
❿ 我的现金不够买这条裙子了。I can't afford this skirt with cash.
对话 A: I can't afford this skirt with cash. 我的现金不够买这条裙子了。
B: You can use credit card. 你可以用信用卡。