discretionary spending

简明释义

可自由支配的开支

英英释义

例句

1.It's important to track your discretionary spending 可自由支配的支出 to maintain a balanced budget.

跟踪你的可自由支配的支出对于保持预算平衡非常重要。

2.Eating out is often considered discretionary spending 可自由支配的支出 and can be reduced to save money.

外出就餐通常被视为可自由支配的支出，可以减少以节省开支。

3.During the holidays, people tend to increase their discretionary spending 可自由支配的支出 on gifts and entertainment.

在假期期间，人们往往会增加在礼物和娱乐上的可自由支配的支出。

4.A good financial plan should account for both essential and discretionary spending 可自由支配的支出.

一个好的财务计划应该考虑到必需支出和可自由支配的支出。

5.Many families cut back on discretionary spending 可自由支配的支出 during economic downturns.

许多家庭在经济衰退期间削减了可自由支配的支出。

作文

In today's economic landscape, understanding the concept of discretionary spending is essential for both individuals and businesses. Discretionary spending refers to the portion of an individual's or household's budget that is spent on non-essential items, which are not necessary for basic living. This can include expenditures on luxury goods, entertainment, travel, and dining out. Unlike fixed expenses such as rent or mortgage payments, which are mandatory, discretionary spending allows consumers the flexibility to choose how they want to allocate their financial resources beyond their basic needs.The significance of discretionary spending cannot be overstated. It plays a crucial role in driving economic growth. When consumers have confidence in the economy, they are more likely to engage in discretionary spending, which stimulates demand for goods and services. This increase in demand encourages businesses to invest in production, hire more employees, and ultimately contribute to overall economic expansion. For instance, during periods of economic prosperity, people tend to spend more on vacations, dining experiences, and entertainment, all of which are examples of discretionary spending.However, discretionary spending can also be a double-edged sword. During economic downturns, individuals often cut back on these non-essential expenditures to prioritize their financial stability. As a result, businesses that rely heavily on discretionary spending may face challenges, leading to layoffs and reduced economic activity. This cyclical nature of discretionary spending makes it a vital indicator of consumer confidence and economic health.Moreover, the rise of technology and online shopping has transformed the landscape of discretionary spending. Consumers now have access to a wider range of products and services at their fingertips, making it easier to indulge in non-essential purchases. The convenience of online shopping has led to an increase in impulse buying, where individuals may spend money on items they did not initially plan to purchase. This shift highlights the importance of budgeting and financial literacy, as individuals must learn to manage their discretionary spending wisely to avoid falling into debt.To effectively manage discretionary spending, individuals should create a budget that outlines their essential expenses versus their discretionary expenses. By setting limits on how much they can spend on non-essentials, they can ensure that their financial health is not compromised. Additionally, tracking spending habits can provide insights into areas where one might be overspending, allowing for adjustments to be made accordingly.In conclusion, discretionary spending is a critical component of personal finance and economic dynamics. Understanding its implications can help individuals make informed decisions about their spending habits while also recognizing its impact on the broader economy. By balancing their discretionary spending with essential needs and savings, consumers can contribute to their financial well-being and the overall economic growth of their communities.

在今天的经济环境中，理解“可自由支配的支出”这一概念对个人和企业来说至关重要。“可自由支配的支出”是指个人或家庭预算中用于非必需品的部分，这些支出并不是基本生活所必需的。这可以包括奢侈品、娱乐、旅行和外出就餐等支出。与租金或抵押贷款等固定支出不同，可自由支配的支出允许消费者灵活选择如何分配他们的财务资源，超出基本需求。“可自由支配的支出”的重要性不容小觑。它在推动经济增长方面发挥着关键作用。当消费者对经济充满信心时，他们更有可能参与“可自由支配的支出”，这刺激了对商品和服务的需求。这种需求的增加鼓励企业投资生产，雇佣更多员工，从而最终促进整体经济扩张。例如，在经济繁荣时期，人们往往会在假期、用餐体验和娱乐上花费更多，这些都是“可自由支配的支出”的例子。然而，“可自由支配的支出”也可能是一把双刃剑。在经济低迷时期，个人通常会削减这些非必需品的支出，以优先考虑他们的财务稳定。因此，依赖于“可自由支配的支出”的企业可能面临挑战，导致裁员和经济活动减少。这种“可自由支配的支出”的循环性质使其成为消费者信心和经济健康的重要指标。此外，科技和在线购物的兴起改变了“可自由支配的支出”的格局。消费者现在可以轻松访问更广泛的产品和服务，使他们更容易沉迷于非必需品的购买。在线购物的便利性导致冲动消费的增加，个人可能会花钱购买他们最初并未计划购买的商品。这一变化突显了预算和财务素养的重要性，因为个人必须学会明智地管理他们的“可自由支配的支出”，以避免陷入债务。为了有效管理“可自由支配的支出”，个人应该制定预算，列出他们的基本支出与可自由支配支出。通过设定非必需品支出的限额，他们可以确保自己的财务健康不会受到损害。此外，跟踪消费习惯可以提供关于个人在哪些方面可能过度消费的见解，从而允许相应地进行调整。总之，“可自由支配的支出”是个人财务和经济动态的关键组成部分。理解其含义可以帮助个人做出明智的支出决策，同时也认识到其对更广泛经济的影响。通过平衡他们的“可自由支配的支出”与基本需求和储蓄，消费者可以为他们的财务健康和社区的整体经济增长做出贡献。