income available for living expenses

简明释义

生活费用

英英释义

例句

1.It's important to budget wisely so that your income available for living expenses 可用于生活开支的收入 lasts throughout the month.

明智地制定预算很重要，这样你的可用于生活开支的收入 income available for living expenses才能持续一个月。

2.My financial advisor suggested that I track my income available for living expenses 可用于生活开支的收入 to identify unnecessary spending.

我的财务顾问建议我跟踪我的可用于生活开支的收入 income available for living expenses以识别不必要的开支。

3.To save more money, I need to increase my income available for living expenses 可用于生活开支的收入 by finding a higher-paying job.

为了省更多的钱，我需要通过找到一份薪水更高的工作来增加我的可用于生活开支的收入 income available for living expenses。

4.If I want to travel this year, I need to ensure my income available for living expenses 可用于生活开支的收入 can cover my daily needs.

如果我想今年去旅行，我需要确保我的可用于生活开支的收入 income available for living expenses能够覆盖我的日常需求。

5.After paying all my bills, I realized that my income available for living expenses 可用于生活开支的收入 was quite limited.

在支付完所有账单后，我意识到我的可用于生活开支的收入 income available for living expenses非常有限。

作文

Understanding the concept of income available for living expenses is crucial for anyone who wants to manage their finances effectively. This term refers to the portion of an individual's income that can be used for daily living costs after all necessary deductions, such as taxes and mandatory expenditures, have been made. By grasping this idea, individuals can better plan their budgets and ensure that they have enough funds to cover essential needs such as housing, food, transportation, and healthcare.To illustrate the importance of income available for living expenses, let’s consider a hypothetical scenario. Imagine a person named John, who earns a monthly salary of $3,000. After taxes and other mandatory deductions, his take-home pay is reduced to $2,400. If John has fixed expenses, such as rent ($1,200), utilities ($300), and groceries ($400), we can calculate his income available for living expenses. In this case, John's total fixed expenses amount to $1,900. Subtracting this from his take-home pay of $2,400 leaves him with $500 as his income available for living expenses. This remaining amount can be allocated for discretionary spending, savings, or unexpected expenses. Understanding how much money he has left over allows John to make informed decisions about his lifestyle choices and financial goals.Moreover, knowing one’s income available for living expenses helps in setting realistic financial targets. For instance, if John wants to save for a vacation, he should first evaluate his available income. If he aims to save $200 each month, he must recognize that his discretionary spending will then be limited to $300. This awareness helps him prioritize his spending and avoid unnecessary purchases, ensuring that he stays on track with his savings goals.Additionally, the concept of income available for living expenses can also aid in identifying areas where one can cut back on spending. For example, if John finds that his grocery bill is consistently high, he might consider meal planning or shopping sales to reduce costs. By analyzing his income available for living expenses, he can pinpoint which expenses are flexible and which are fixed, allowing him to adjust his budget accordingly.Furthermore, understanding income available for living expenses is vital during economic downturns or periods of financial uncertainty. Individuals may face job loss or reduced hours, leading to a decrease in their overall income. In such situations, knowing how much money is available for living expenses becomes even more critical. It enables individuals to make necessary adjustments to their spending habits, such as cutting non-essential expenses and prioritizing needs over wants.In conclusion, the term income available for living expenses encapsulates a fundamental aspect of personal finance management. By understanding this concept, individuals like John can create effective budgets, set achievable financial goals, and navigate through economic challenges. Ultimately, being aware of how much income is genuinely available for living expenses empowers people to make informed decisions about their financial futures, leading to greater stability and peace of mind.

理解“可用于生活费用的收入”这一概念对于任何希望有效管理财务的人来说都是至关重要的。这个术语指的是个人在所有必要扣除（如税款和强制支出）后，可以用于日常生活成本的收入部分。通过掌握这一理念，个人可以更好地规划预算，确保有足够的资金来覆盖住房、食品、交通和医疗等基本需求。为了说明“可用于生活费用的收入”的重要性，让我们考虑一个假设场景。假设一个名叫约翰的人，他每月工资为3000美元。在扣除税款和其他强制性扣除后，他的到手工资减少到2400美元。如果约翰有固定支出，例如房租（1200美元）、水电费（300美元）和杂货（400美元），我们可以计算他的“可用于生活费用的收入”。在这种情况下，约翰的总固定支出为1900美元。从他的到手工资2400美元中减去这笔支出，剩下500美元作为他的“可用于生活费用的收入”。这笔剩余金额可以分配用于可自由支配的支出、储蓄或意外支出。了解自己还有多少钱可以使用，使约翰能够对生活方式选择和财务目标做出明智的决策。此外，了解个人的“可用于生活费用的收入”有助于设定现实的财务目标。例如，如果约翰想为度假存钱，他应该首先评估自己可用的收入。如果他计划每月存200美元，他必须意识到自己的可自由支配支出将被限制在300美元。这种意识使他能够优先考虑开支，避免不必要的购买，确保他能按计划实现储蓄目标。另外，“可用于生活费用的收入”的概念也有助于识别可以削减开支的领域。例如，如果约翰发现自己的杂货账单一直很高，他可能会考虑制定膳食计划或购物时选择特价商品来降低成本。通过分析自己的“可用于生活费用的收入”，他可以找到哪些支出是灵活的，哪些是固定的，从而相应调整预算。此外，理解“可用于生活费用的收入”在经济低迷或财务不确定时期尤为重要。个人可能面临失业或工时减少，导致整体收入下降。在这种情况下，了解可用于生活费用的收入变得更加关键。这使个人能够对消费习惯进行必要的调整，例如削减非必需支出，优先考虑需求而非欲望。总之，“可用于生活费用的收入”这一术语概括了个人财务管理的一个基本方面。通过理解这一概念，像约翰这样的人可以制定有效的预算，设定可实现的财务目标，并在经济挑战中航行。最终，了解可用于生活费用的收入有助于人们对财务未来做出明智的决策，从而实现更大的稳定和内心的平静。