discretionary income

简明释义

可任意支配收入，可以自由处理的收入

英英释义

例句

1.Understanding your discretionary income (可支配收入) can help you create a better budget.

了解您的可支配收入（discretionary income）可以帮助您制定更好的预算。

2.Many families struggle to save money because their discretionary income (可支配收入) is limited.

许多家庭因为他们的可支配收入（discretionary income）有限而难以存钱。

3.Investing in stocks can be a good use of your discretionary income (可支配收入).

投资股票可以是您使用可支配收入（discretionary income）的一个好方法。

4.He decided to spend his discretionary income (可支配收入) on a new computer instead of saving it.

他决定将他的可支配收入（discretionary income）花在新电脑上，而不是存起来。

5.After paying all the bills, she realized that her discretionary income (可支配收入) was enough to take a vacation.

在支付完所有账单后，她意识到她的可支配收入（discretionary income）足够去度假。

作文

In today's economy, understanding the concept of discretionary income is crucial for individuals and families alike. Discretionary income refers to the amount of money that a household has available for spending and saving after all necessary expenses have been paid. These necessary expenses typically include things like housing, food, taxes, and other essential costs of living. Once these obligatory expenditures are accounted for, what remains is the discretionary income, which can be used for non-essential items such as entertainment, vacations, luxury goods, and savings for future investments.The importance of discretionary income cannot be overstated, especially in the context of personal finance management. For many, it serves as a key indicator of financial health. A higher level of discretionary income suggests that an individual or family has more flexibility in their budget, allowing them to make choices that enhance their quality of life. Conversely, a lower discretionary income indicates tighter financial constraints, limiting options for leisure activities and savings.To illustrate, consider two families with similar incomes. Family A has managed to keep their necessary expenses low, perhaps by living in a more affordable area and being frugal with their grocery shopping. As a result, they enjoy a substantial amount of discretionary income, which they use to travel, dine out, and invest in their children's education. Family B, on the other hand, may have higher necessary expenses due to lifestyle choices or unexpected costs, resulting in a much smaller amount of discretionary income. This difference can lead to varying levels of stress and satisfaction in their lives.Moreover, the level of discretionary income can also reflect broader economic conditions. During times of economic growth, employment rates tend to rise, and wages often increase, leading to higher discretionary income for many households. On the flip side, during economic downturns, job losses and wage stagnation can squeeze discretionary income, forcing families to cut back on non-essential spending.Understanding how to increase discretionary income is vital for anyone looking to improve their financial situation. Strategies may include budgeting effectively to minimize unnecessary expenses, seeking additional sources of income through part-time work or investments, and making informed choices about lifestyle and spending habits. By focusing on increasing their discretionary income, individuals can create a buffer that allows them to weather financial storms and enjoy a more fulfilling life.In conclusion, discretionary income plays a significant role in shaping our financial landscape. It not only affects our day-to-day choices but also influences our long-term financial stability and happiness. By prioritizing the management of discretionary income, we can ensure that we are prepared for both expected and unexpected life events, ultimately leading to a more secure and enjoyable future.

在当今的经济中，理解“可支配收入”这一概念对个人和家庭来说至关重要。“可支配收入”是指一个家庭在支付所有必要开支后可用于消费和储蓄的金额。这些必要开支通常包括住房、食品、税收和其他基本生活费用。一旦这些强制性支出被考虑在内，剩下的就是“可支配收入”，可以用于非必需品，如娱乐、度假、奢侈品和未来投资的储蓄。“可支配收入”的重要性不容小觑，特别是在个人财务管理的背景下。对许多人来说，它是财务健康的关键指标。较高的“可支配收入”意味着个人或家庭在预算上有更多的灵活性，使他们能够做出提高生活质量的选择。相反，较低的“可支配收入”则表明财务约束更紧，限制了休闲活动和储蓄的选择。举例来说，考虑两个收入相似的家庭。家庭A设法将必要开支保持在较低水平，可能是通过住在更实惠的地区并节俭购物。因此，他们享有相当可观的“可支配收入”，用于旅行、外出就餐和投资孩子的教育。而家庭B可能由于生活方式选择或意外费用而有更高的必要开支，导致“可支配收入”大幅减少。这种差异可能导致他们生活中的压力和满意度不同。此外，“可支配收入”的水平也可以反映更广泛的经济状况。在经济增长时期，就业率往往上升，工资也会增加，从而导致许多家庭的“可支配收入”提高。反之，在经济衰退期间，失业和工资停滞可能会压缩“可支配收入”，迫使家庭削减非必要支出。了解如何增加“可支配收入”对任何希望改善财务状况的人来说都是至关重要的。策略可能包括有效预算以减少不必要的开支，通过兼职工作或投资寻找额外收入来源，以及对生活方式和消费习惯做出明智的选择。通过关注增加“可支配收入”，个人可以创建一个缓冲区，使他们能够应对财务风暴，享受更充实的生活。总之，“可支配收入”在塑造我们的财务格局中发挥着重要作用。它不仅影响我们的日常选择，还影响我们的长期财务稳定和幸福。通过优先管理“可支配收入”，我们可以确保为预期和意外的生活事件做好准备，最终过上更安全、更愉快的未来。