running balance

简明释义

即时余额

英英释义

例句

1.At the end of the month, I review my running balance to adjust my savings plan.

在月底，我会查看我的余额变动以调整我的储蓄计划。

2.You can check your running balance online to see how much money you have left.

您可以在线查看您的余额变动，了解您剩余多少钱。

3.To keep track of my expenses, I maintain a running balance in my budget app.

为了跟踪我的开支，我在预算应用中保持一个余额变动。

4.The running balance on your credit card can help you avoid overspending.

信用卡上的余额变动可以帮助您避免超支。

5.After each transaction, the bank provides a statement showing your running balance.

每次交易后，银行会提供一份显示您余额变动的对账单。

作文

In today's fast-paced world, managing finances effectively is more crucial than ever. One of the key concepts in personal finance is the idea of a running balance, which refers to the ongoing total of funds available in an account after each transaction. This concept is essential for anyone who wishes to maintain control over their financial situation and avoid overspending. Understanding how to calculate and keep track of a running balance can lead to better budgeting and savings habits.A running balance is calculated by taking the previous balance and adding or subtracting transactions as they occur. For example, if you start with a balance of $100, and then you spend $30, your new running balance would be $70. Conversely, if you receive a payment of $50, your balance would increase to $120. This continuous updating allows individuals to have a clear picture of their financial status at any given moment.One of the benefits of maintaining a running balance is that it helps prevent overdrafts. By keeping a close eye on your balance, you can avoid making purchases that exceed your available funds. This practice not only saves you from potential fees but also encourages responsible spending habits. Additionally, having a clear understanding of your running balance can help you identify patterns in your spending, allowing you to make informed decisions about where to cut back.Moreover, the concept of a running balance extends beyond personal finance; it is also vital in business accounting. Businesses must keep track of their accounts receivable and payable, ensuring that they have enough liquidity to meet their obligations. A company’s running balance reflects its financial health and can be used to make strategic decisions regarding investments, expansions, or cost-cutting measures.In practice, many people use banking apps or spreadsheets to track their running balance. These tools often provide real-time updates, making it easier to stay informed about your financial situation. By regularly checking your running balance, you can quickly spot discrepancies and address them before they become significant issues.To illustrate the importance of a running balance, consider a scenario where someone neglects to keep track of their finances. Suppose they have a monthly budget of $500 for discretionary spending. If they do not monitor their running balance and spend recklessly, they might find themselves in a situation where they overspend by $200. This not only affects their current financial standing but can also lead to long-term debt if not addressed promptly.In conclusion, the concept of a running balance is fundamental to effective financial management. Whether for personal budgeting or business accounting, maintaining an accurate running balance allows individuals and organizations to make informed decisions, avoid financial pitfalls, and plan for the future. By embracing this practice, anyone can take control of their finances and work towards achieving their financial goals.

在当今快节奏的世界中，有效管理财务变得比以往任何时候都更加重要。个人财务中的一个关键概念是running balance，它指的是在每笔交易后账户中可用资金的持续总额。这个概念对任何希望控制财务状况并避免超支的人来说都是至关重要的。理解如何计算和跟踪running balance可以促使更好的预算和储蓄习惯。running balance的计算方式是将前一个余额与发生的交易进行加减。例如，如果你开始时的余额为100美元，然后你花费了30美元，你的新running balance将为70美元。相反，如果你收到了一笔50美元的付款，你的余额将增加到120美元。这种持续更新使个人能够在任何时刻清楚地了解自己的财务状况。维护running balance的好处之一是它有助于防止透支。通过密切关注你的余额，你可以避免进行超过可用资金的购买。这种做法不仅能让你免受潜在费用的困扰，还鼓励负责任的消费习惯。此外，清楚了解你的running balance可以帮助你识别消费模式，从而做出明智的削减开支决定。此外，running balance的概念不仅限于个人财务，它在商业会计中也至关重要。企业必须跟踪应收账款和应付账款，确保他们有足够的流动资金来履行义务。公司的running balance反映了其财务健康状况，并可用于制定有关投资、扩张或削减成本的战略决策。在实践中，许多人使用银行应用程序或电子表格来跟踪他们的running balance。这些工具通常提供实时更新，使人们更容易了解自己的财务状况。通过定期检查你的running balance，你可以快速发现差异并在问题变得严重之前解决它们。为了说明running balance的重要性，考虑一个忽视财务跟踪的场景。假设他们每月的可支配支出预算为500美元。如果他们不监控自己的running balance并且消费过度，他们可能会发现自己超支了200美元。这不仅会影响他们当前的财务状况，如果不及时解决，还可能导致长期债务。总之，running balance的概念是有效财务管理的基础。无论是个人预算还是商业会计，保持准确的running balance使个人和组织能够做出明智的决策，避免财务陷阱，并为未来规划。通过接受这一做法，任何人都可以掌控自己的财务，朝着实现财务目标的方向努力。