Budgeting: you save if you plan 财务预算: 计算过去，规划未来

Budget is a plan for saving and spending. A personal budget is a finance plan that allocates future personal income towards expenses, savings and debt repayment.If you don’t know how much money you have coming in and where it goes, your road to financial success will be a difficult one.

财务预算是支出与收入的预先规划。参照之前的收支款额，预定将来的开销和花费，尽量在个人财务方面扣除基本消费，取得每月盈余，作为投资、还债或储蓄之用。

The following sample illustrates how income might be allocated.

 

你一定知道一个月赚多少；但是如果你不曾好好预算过这个月内你的花费是多少，你可能还是陷在财务困境里；如果你不曾分析过你的钱用在哪里，那么离开财务自主和迈向个人经济成功之路就远了。

Creating a budget is incredibly difficult, but where most people fail is trying to maintain the budget.财务预算虽然困难，最困难的却是如何真正去执行它。