lock-box plan

简明释义

加速票据收取程序

英英释义

例句

1.The company implemented a lock-box plan to ensure that all customer payments were processed securely.

公司实施了一个锁箱计划，以确保所有客户付款都能安全处理。

2.The accountant explained how the lock-box plan improves cash flow by speeding up payment collection.

会计解释了锁箱计划如何通过加快收款速度来改善现金流。

3.With the lock-box plan, we can track all incoming payments more efficiently.

通过锁箱计划，我们可以更高效地跟踪所有进账。

4.Under the new lock-box plan, funds are deposited directly into a secure account managed by a third party.

根据新的锁箱计划，资金直接存入由第三方管理的安全账户。

5.Our financial advisor recommended adopting a lock-box plan to minimize fraud risks.

我们的财务顾问建议采用锁箱计划以最小化欺诈风险。

作文

In today's fast-paced world, financial planning has become more important than ever. One of the effective strategies that individuals and families can adopt is the lock-box plan. This approach not only helps in budgeting but also ensures that savings are protected from impulsive spending. The concept of a lock-box plan refers to a method where a portion of one’s income is allocated to a 'locked' account that is not easily accessible for daily expenses. By doing so, individuals can create a safety net for their future needs and emergencies.The main advantage of implementing a lock-box plan is that it instills discipline in managing finances. When money is set aside in a locked account, it reduces the temptation to spend on non-essential items. For instance, if someone receives a paycheck, they can immediately transfer a certain percentage into this restricted account. This practice not only ensures that they save but also encourages them to live within their means with the remaining funds.Moreover, a lock-box plan can be particularly beneficial in times of financial uncertainty. Having a designated amount saved away can provide peace of mind, knowing that there is a buffer in case of unexpected expenses such as medical bills, car repairs, or job loss. This financial cushion allows individuals to navigate through tough times without falling into debt.Another significant aspect of the lock-box plan is its flexibility. While the primary goal is to save, individuals can adjust the amount they lock away based on their financial situation. For example, during months when expenses are higher, they might choose to lock away a smaller amount. Conversely, during months with lower expenses, they could increase their savings. This adaptability makes the lock-box plan suitable for a wide range of financial situations.Furthermore, the lock-box plan encourages long-term thinking. It shifts the focus from short-term gratification to long-term goals. Individuals who adopt this strategy often find themselves more motivated to save for significant milestones, such as buying a home, funding education, or planning for retirement. By visualizing these goals and working towards them, people can achieve a sense of accomplishment that boosts their overall financial confidence.In conclusion, the lock-box plan is a practical and effective financial strategy that promotes saving and responsible spending. By setting aside a portion of income in a locked account, individuals can protect their savings from impulse purchases and prepare for future uncertainties. The discipline, flexibility, and long-term perspective offered by this plan make it an excellent choice for anyone looking to improve their financial health. Embracing the lock-box plan can lead to a more secure and stable financial future, ultimately allowing individuals to live life with less stress and more freedom.

在当今快节奏的世界中，财务规划变得比以往任何时候都更加重要。个人和家庭可以采用的一种有效策略是锁箱计划。这种方法不仅有助于预算编制，还确保储蓄不受冲动消费的影响。锁箱计划的概念是将收入的一部分分配到一个“锁定”的账户中，该账户不易用于日常开支。通过这样做，个人可以为未来的需求和紧急情况创建一个安全网。实施锁箱计划的主要优点是它在管理财务方面培养了纪律。当钱被放入一个锁定账户时，就减少了在非必要物品上消费的诱惑。例如，如果某人收到工资，他们可以立即将一定比例转入这个限制账户。这种做法不仅确保他们储蓄，还鼓励他们在剩余资金内生活。此外，锁箱计划在财务不确定时期特别有益。将指定金额存起来可以提供心理安慰，知道在医疗账单、汽车维修或失业等意外支出情况下有缓冲。这种财务缓冲使个人能够在困难时期应对，而不至于陷入债务。锁箱计划的另一个重要方面是其灵活性。虽然主要目标是储蓄，但个人可以根据自己的财务状况调整锁定的金额。例如，在开支较高的月份，他们可能选择锁定较少的金额。相反，在开支较低的月份，他们可以增加储蓄。这种适应性使锁箱计划适合各种财务状况。此外，锁箱计划鼓励长远思考。它将焦点从短期满足转向长期目标。采用这一策略的个人通常发现自己更有动力为重大里程碑储蓄，例如购房、资助教育或规划退休。通过想象这些目标并朝着它们努力，人们可以获得一种成就感，从而增强整体财务信心。总之，锁箱计划是一种实用且有效的财务策略，促进储蓄和负责任的消费。通过将收入的一部分存入锁定账户，个人可以保护他们的储蓄不受冲动购买的影响，并为未来的不确定性做好准备。这一计划所提供的纪律性、灵活性和长期视角，使其成为任何希望改善财务健康的人的绝佳选择。接受锁箱计划可以带来更安全、更稳定的财务未来，最终让个人以更少的压力和更多的自由生活。