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个人做预算的基础原则

Investopedia Video: How To Build A Budget

如何做预算?
How to build a budget?
经济负责和和随意对待工资之间的差别
Having a budget is the difference between being financially responsible
就是做不做预算
and flirting with financial payroll.
黛布拉做了一个明智的决策
Debra has made a wise decision
她要创建一个预算 来管理自己的财务
to create a budget, to organise her finance
并为财务突发状况作准备
and prepare for any financial emergencies.
第一步就是确定净收益
Her first step is to determine her net income.
净收益就是黛布拉月末
The net income is how much money Debra has left over
剩下的钱
at the end of the month.
这个数字源自下面的等式:
This amount is found by using the following equation:
总收入减去总费用等于净收益
total revenue minus total expenses equals net income.
黛布拉的收入是
Debra’s revenue is
她一个月里挣的所有钱
all of the money that she makes in a month.
包括像工资 奖金和投资收益等收入来源
This includes income sources like wages, bonuses and investment income.
通常这些来源是每月恒定的
Usually these sources are consistent on a monthly basis.
黛布拉的费用包括所有的月账单
Debra’s expenses include all of her monthly bills,
这可以被细分成两个类别:
which are broken down into two categories:
固定费用和变动费用
fixed expenses and variable expenses.
固定费用是每月
Fixed expenses are the payments for bills
固定要付的账单
that are the same every month.
比如房贷 保险 车贷
Such as mortgage, insurance, car loans,
话费和有线电视费
cell phone and cable bills.
变动费用是每个月都不同的
Debra’s variable expenses are the bills with different totals each month.
比如娱乐 食品 汽油和公共事业费
Such as entertainment, groceries, gas and utilities.
现在她可以从收入中扣除固定和变动费用了
Debra can now deduct her fixed and variable expenses from her revenue.
如果她的收入大于费用
If her revenue is higher than her expenses,
就得到净收益
she has a net income.
黛布拉可以用净收益来建立应急存款账户
Debra can use her net income to build her emergency saving account
或投资于退休生活
or invest in her retirement.
如果费用大于收入
If her expenses are greater than her revenue,
黛布拉就有了净损失
Debra has a net loss.
她必须通过减少变动费用来平衡收支
Debra must reduce her variable expenses to balance her budget
或者她得找到减少固定开支的路子
or she will need to find a way to reduce her fixed cost,
比如换一套小一点的房子
such as downsizing her home.
通过追踪总收入和总费用
By tracking your total revenue and expenses,
你可以做一个预算并快速决定
you can build a budget that quickly determines
是否还有钱去投资或储蓄
if you have money to invest or save,
或者是否入不敷出
or if you’re living beyond your means.

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视频概述

对财富做一个简单的规划吧

听录译者

Ayan

翻译译者

Ayan

审核员

审核员 W

视频来源

https://www.youtube.com/watch?v=Hnf5BRh5bdg

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