disposable income; spendable income

简明释义

可支配收入

英英释义

例句

1.Investing wisely can increase your spendable income (可支配收入) over time.

明智的投资可以随着时间的推移增加你的可支配收入（可支配收入）。

2.He decided to take a part-time job to boost his disposable income (可支配收入).

他决定找一份兼职工作来增加他的可支配收入（可支配收入）。

3.Understanding your disposable income (可支配收入) can help you plan your budget better.

了解你的可支配收入（可支配收入）可以帮助你更好地规划预算。

4.Many people struggle to save money because their spendable income (可支配收入) is limited.

许多人因为他们的可支配收入（可支配收入）有限而难以存钱。

5.After paying all the bills, she realized her disposable income (可支配收入) was enough for a weekend getaway.

在支付完所有账单后，她意识到她的可支配收入（可支配收入）足够用于一个周末的短途旅行。

作文

Understanding the concept of disposable income or spendable income is crucial for individuals and families as they manage their finances. Disposable income refers to the amount of money that households have available for spending and saving after income taxes have been deducted. It is essentially the net income that can be used for daily expenses, savings, and investments. On the other hand, spendable income is often used interchangeably with disposable income, but it can also imply the funds available for discretionary spending once essential expenses like housing, food, and transportation are accounted for.For many people, understanding how much disposable income they possess is vital for budgeting. This figure allows individuals to make informed decisions about how much they can afford to spend on luxuries, entertainment, or even unexpected expenses. For example, if a person earns $5,000 a month and pays $1,000 in taxes, their disposable income would be $4,000. From this amount, they would need to cover necessary costs such as rent, utilities, groceries, and transportation. After these essential expenses, the remaining amount constitutes their spendable income, which can be allocated towards savings, investments, or leisure activities.The significance of managing disposable income cannot be overstated. In times of economic uncertainty, having a clear understanding of one's financial situation helps individuals prioritize their spending. For instance, during a recession, families may find that their disposable income has decreased due to job losses or reduced work hours. This change necessitates a reevaluation of their budget, focusing more on necessities and cutting back on non-essential items. By doing so, they can ensure that they remain financially stable until their income improves.Moreover, the relationship between disposable income and consumer behavior is another critical aspect to consider. When disposable income increases, individuals tend to spend more on luxury items and services, which can stimulate economic growth. Conversely, when disposable income decreases, consumer spending typically declines, potentially leading to a slowdown in the economy. For businesses, understanding their customers' disposable income levels can inform pricing strategies, marketing campaigns, and product offerings.In conclusion, grasping the meaning of disposable income and spendable income is essential for effective financial management. These concepts help individuals navigate their financial landscapes, make informed spending decisions, and adapt to changing economic conditions. By keeping track of their disposable income, people can ensure they are not only living within their means but also planning for a secure financial future. Whether it's saving for retirement, investing in education, or simply enjoying a night out, understanding how to manage disposable income can lead to a more fulfilling and financially sound life.

理解可支配收入或可花费收入的概念对个人和家庭管理财务至关重要。可支配收入是指家庭在扣除所得税后可用于消费和储蓄的金额。它本质上是可以用于日常开支、储蓄和投资的净收入。另一方面，可花费收入通常与可支配收入可以互换使用，但它也可以暗示在考虑到住房、食品和交通等基本开支后可用于自由支出的资金。对于许多人来说，了解自己拥有多少可支配收入对预算制定至关重要。这个数字使个人能够就可以负担多少奢侈品、娱乐活动或意外开支做出明智的决定。例如，如果一个人每月收入5000美元，缴纳1000美元的税款，那么他们的可支配收入将为4000美元。从这个金额中，他们需要支付必要的费用，如租金、水电费、杂货和交通费。在这些基本开支之后，剩余的金额构成了他们的可花费收入，可以用于储蓄、投资或休闲活动。管理可支配收入的重要性不容小觑。在经济不确定时期，清楚了解自己的财务状况有助于个人优先考虑支出。例如，在经济衰退期间，家庭可能会发现由于失业或工作时间减少，自己的可支配收入减少。这种变化需要重新评估预算，更加关注必要开支，并削减非必需品。通过这样做，他们可以确保在收入改善之前保持财务稳定。此外，可支配收入与消费者行为之间的关系也是一个关键方面。当可支配收入增加时，个人往往会在奢侈品和服务上花费更多，这可以刺激经济增长。相反，当可支配收入减少时，消费者支出通常会下降，可能导致经济放缓。对于企业而言，了解客户的可支配收入水平可以为定价策略、营销活动和产品提供信息。总之，掌握可支配收入和可花费收入的含义对于有效的财务管理至关重要。这些概念帮助个人驾驭财务环境，做出明智的消费决策，并适应不断变化的经济条件。通过跟踪自己的可支配收入，人们可以确保他们不仅生活在自己的能力范围内，还能为安全的财务未来做好规划。无论是为退休储蓄、投资教育，还是仅仅享受一个夜晚，理解如何管理可支配收入都能带来更充实和财务稳健的生活。