關(guān)于薪資的英語語句
1. Suss Out Your Finances
弄清楚你的財(cái)務(wù)狀況
Sitting down together to hammer out your new financial status? So not fun. But it’s time to get crackin’ on it, unless you want to wake up to a mountain of debt next month.
坐在一起敲定新的財(cái)務(wù)狀況?這不好玩。但是是時(shí)候填補(bǔ)這條縫了,除非你想下個(gè)月醒來時(shí)看到堆積如山的債務(wù)。
Evaluate your inflow/outflow. Now that you’re only getting one paycheck, you need to really analyze what you have versus what you spend so you can recast your budget to fit your new (lower) income. You may be taking in a couple of thousand dollars less a month and not realize that your collective spending habits haven’t changed. Track your cash flow with our debt calculator.
評(píng)估你的資金流入/流出。現(xiàn)在你只有一份薪水,你真的需要分析你所擁有的和你花的錢,這樣你就可以重塑你的預(yù)算,以適應(yīng)你的新的(更低得)收入。你可能會(huì)接受一個(gè)月少幾千美元,但并沒有意識(shí)到你的集體消費(fèi)習(xí)慣沒有改變。用債務(wù)計(jì)算器跟蹤你的現(xiàn)金流。
2. Work That New Budget
為新預(yù)算工作
Pinching your pennies isn’t fun, but you’ve gotta get on board with your new spending plan pronto. Hey, it’s a lot like ripping off a Band-Aid…the faster you do it, the less painful it’ll be in the long run. Still hurtin’? Keep in mind: This situation is temporary!
收聚你的硬幣不是很有趣,但是你得佷快與你的新的支出作計(jì)劃。嘿,這很像撕掉創(chuàng)可貼…從長(zhǎng)遠(yuǎn)來看，做得越快,痛苦就越少。還傷心嗎?請(qǐng)記住:這種情況是暫時(shí)的!
Adjust your accounts. If you were the one in charge of paying the mortgage or rent while he took care of the car payments and insurance, you’ll have to rethink how you divvy up bills. Why? So you don’t start bouncing checks or paying overdraft fees! Keep it simple by designating which account you’ll both be writing checks from. Switch all of your automatic deposits and debits to the checking account you plan to use; reserve the savings account for your non-monthly expenses, like tax payments.
調(diào)整你的賬戶。如果你是一個(gè)負(fù)責(zé)支付抵押或者租金而他支付汽車支付和保險(xiǎn),你必須思考你如何分?jǐn)傎M(fèi)用。為什么呢?所以你不會(huì)開始反彈檢查或支付透支費(fèi)!保持簡(jiǎn)單通過表明哪個(gè)帳戶是你們都有開支票的。轉(zhuǎn)換你計(jì)劃使用的支票帳戶所有的自動(dòng)存款和借記;為你不是每月都付的費(fèi)用儲(chǔ)備,像納稅。
3. Keep Saving
保持儲(chǔ)蓄
Stop saving for the future and you’ll miss out on long-term gains -- or find yourself in a tighter spot if you need emergency dough.
停止為未來儲(chǔ)蓄,你就會(huì)錯(cuò)過長(zhǎng)期的.收益,或者發(fā)現(xiàn)自己在一個(gè)緊縮的現(xiàn)狀,如果你急需用錢。
Continue funding retirement accounts. Bumming over lower returns on your 401(k) or IRA statement and wondering why you should put cash toward something you won’t see for 30 years? As tempting as it is to quit funding retirement accounts, the nonworking spouse should contribute a small percentage of your monthly budget, while the employed one should put in enough to get an employer match (free money!). According to research, you’ll recoup today’s low returns over time.
繼續(xù)為退休金賬戶提供資金。游蕩在你的401(k) 低回報(bào)或者個(gè)人退休賬戶清單,想想為什么你應(yīng)該把現(xiàn)金放在未來30年來你不會(huì)看到的東西?如此誘人的退出資金退休賬戶的誘惑,非職業(yè)的配偶應(yīng)該貢獻(xiàn)你每月預(yù)算的一小部分,而有工作的那一個(gè)應(yīng)該支付足以讓沒工作的那個(gè)支付退休金賬戶的錢(免費(fèi)的錢!)。根據(jù)研究,隨著時(shí)間的推移你會(huì)得到彌補(bǔ)今天的低回報(bào)。
4. Work as a Cash-Stashing Team
以現(xiàn)金貯存隊(duì)的身份而工作
How will you stick to your new plan if you aren’t on the same page? You need to start communicating more about money, period.
你將如何堅(jiān)持你的新計(jì)劃,如果你們沒有達(dá)成共識(shí)?你需要開始更多交流關(guān)于錢的事。
Play fair. Avoid “my money/your money” fights by setting an amount you can both spend each month, because even an out-of-work spouse will have expenses. For bigger purchases, you’ve gotta compromise -- the breadwinner can’t always get their way.
公平競(jìng)爭(zhēng)。避免“我的錢/你的錢”的爭(zhēng)吵通過設(shè)置一定數(shù)量你們可以每個(gè)月都可以花的錢,因?yàn)榧词故鞘I(yè)的配偶也會(huì)有費(fèi)用。對(duì)于更大的購買,您得妥協(xié),養(yǎng)家糊口的人不能總是以他們的方式。
Separate needs from wants. Yeah, you’re dying for that Mexican vacay or deck reno, but do you really need it? Remember that the sacrifice is short-term; you can save up for those perks once you’re more financially stable with our savings calculator.
分開需求和需要。是的,你快因?yàn)槟鞲缏眯谢蜓b飾得像里諾而死,但你真的需要它嗎?記住,稀缺是短期的;你可以為這些額外享受省錢一旦你的財(cái)務(wù)狀況穩(wěn)定使用存款計(jì)算器。
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