怎樣轉移預算資金

來源: 編輯： 2010/02/24 11:49:06　　字體：大小

　　The trick to a successful budget is its ability to handle emergencies. You should not go to your emergency fund if you overspend in a category. Instead you should look to your budget to find the extra money. Each month is a little bit different，and it is important to realize that your budget can change to meet your needs. It is important to keep savings and debt payments at the top of your budget. Try to avoid changing these amounts. After you realize that you have overspent in a category or need extra money，there are three things you should do.

　　成功的預算可以幫你處理緊急事務。一個預算項目的金額花完，你不能動用緊急基金去彌補，而應該向預算本身找余錢。每個月情況可能有所不同，所以要確保自己的預算可以為你的需求做出相應改變。存款和還債應放于預算首要地位，這部分款項能不動就不動。當意識到一項預算已經花完或需要額外支出時，你需要學做下面的三項事情：

　　First，you need to determine how much money you will need to find to cover the expenses in that category for the rest of the month.

　　 If you have overspent on gas money， ask yourself how much money you will need to go to work for the rest of the month. You should try to cancel unnecessary trips to conserve money and gas. If you have overspent on groceries then cut down your grocery list to the bare essentials. You may not be able to eat steak every night for the rest of the month.

　　首先，你需要確定本月接下來的時間里你需要多少錢來彌補這項預算的空缺。

　　如果汽油費花光了，你就要知道接下來的時間里上班要花多少路費。不必要的出行應該取消掉，以節(jié)省出行開支。如果買菜的錢花完，接下來你就不能每天晚上吃牛排了，而應將三餐花銷降低到基本水平。

　　Second you should look at the categories in your budget that you can cut back on.

　　You need to pay your rent and utilities，so you should live these alone. You may want to look at your fun money，clothing，eating out，groceries，and gas categories. These are the ones that you can decide how much you spend each month. Decide how much you can cut back on in each category this month.

　　第二你需要找出可以騰出金額的預算項目。

　　房租和一些費用是必需的，這部分不能動。娛樂支出、服裝支出、外出就餐、買菜和汽油費這些項目是可以進行改變的，可以通過縮減這些項目的預算來騰出一些余錢。

　　Third you will need to subtract that amount from each category.

　　Then you will add that amount to the category that you need extra money in. You can keep transferring until you cover your expenses in your category. If you are using the envelope system，you will simply move the money from envelope to envelope.

　　接下來需要把做出變動的類別減少相應的數額，將需要額外數額的項目加上這筆數目，直到滿足需求為止。

　　如果是用信封系統，就只需要把錢從一個信封轉移到另外一個信封里去了。

【我要糾錯】責任編輯：vivien

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