planned budget

简明释义

计划预算

英英释义

例句

1.The manager reviewed the planned budget before approving any additional expenses.

经理在批准任何额外开支之前审查了计划预算。

2.During the meeting, we discussed how to allocate resources within the planned budget.

在会议上，我们讨论了如何在计划预算内分配资源。

3.Unexpected costs have forced us to adjust the planned budget for the upcoming quarter.

意外的费用迫使我们调整即将到来的季度的计划预算。

4.Our team needs to stick to the planned budget for this project to ensure we meet our financial goals.

我们的团队需要遵守这个计划预算，以确保我们达到财务目标。

5.It's essential to track spending against the planned budget to avoid overspending.

跟踪支出与计划预算的对比是避免超支的关键。

作文

In today's fast-paced world, managing finances effectively is crucial for both individuals and organizations. One of the key tools in financial management is a planned budget, which serves as a roadmap for spending and saving. A planned budget refers to a detailed financial plan that outlines expected income and expenditures over a specific period. It helps individuals and businesses allocate resources wisely, ensuring that they can meet their financial obligations while also saving for future goals.Creating a planned budget involves several steps. First, it is essential to assess current financial situations by reviewing income sources and expenses. This assessment allows individuals or organizations to identify areas where they can cut costs or increase earnings. For example, if someone realizes that they are spending too much on dining out, they might decide to cook at home more often, freeing up funds for savings or investments.Next, setting financial goals is an important aspect of developing a planned budget. These goals can range from short-term objectives, such as saving for a vacation, to long-term aspirations, like buying a house or preparing for retirement. By establishing clear goals, individuals can prioritize their spending and make informed decisions about where to allocate their resources.Once goals are set, the next step is to create the actual planned budget. This typically involves listing all sources of income, such as salaries, bonuses, and any side hustles, along with all fixed and variable expenses. Fixed expenses include rent or mortgage payments, utilities, and insurance, while variable expenses encompass discretionary spending like entertainment and dining out. By categorizing expenses, individuals can see where their money is going and identify potential areas for reduction.Monitoring and adjusting the planned budget is also vital for success. Financial circumstances can change due to various factors, such as job loss, unexpected medical expenses, or changes in income. Regularly reviewing and adjusting the budget ensures that it remains relevant and effective. Many people find it helpful to track their spending using apps or spreadsheets, allowing them to visualize their financial situation and stay accountable to their goals.Moreover, a well-maintained planned budget can significantly reduce financial stress. Knowing exactly how much money is available for discretionary spending can alleviate anxiety about overspending or falling into debt. Additionally, having a clear plan can motivate individuals to stick to their financial goals, as they can see the progress they are making towards achieving them.In conclusion, a planned budget is an indispensable tool for effective financial management. It provides a framework for understanding income and expenses, sets clear financial goals, and encourages responsible spending habits. By regularly monitoring and adjusting their budgets, individuals and organizations can navigate their financial journeys with confidence, ultimately leading to greater financial stability and peace of mind.

在当今快节奏的世界中，有效管理财务对个人和组织来说至关重要。财务管理的关键工具之一是计划预算，它作为支出和储蓄的路线图。计划预算是指一份详细的财务计划，概述了特定时期内预期的收入和支出。它帮助个人和企业明智地分配资源，确保他们能够履行财务义务，同时也为未来的目标储蓄。制定计划预算涉及几个步骤。首先，评估当前的财务状况是制定预算的重要一步，通过审查收入来源和支出。这种评估使个人或组织能够识别可以削减成本或增加收入的领域。例如，如果某人意识到自己在外就餐上花费过多，他们可能会决定更多地在家做饭，从而腾出资金用于储蓄或投资。接下来，设定财务目标是制定计划预算的重要方面。这些目标可以是短期目标，例如为假期储蓄，也可以是长期目标，比如买房或为退休做准备。通过建立明确的目标，个人可以优先考虑支出，并就如何分配资源做出明智的决定。一旦目标确定，下一步就是创建实际的计划预算。这通常涉及列出所有收入来源，例如薪水、奖金和任何副业，以及所有固定和可变支出。固定费用包括租金或抵押贷款、公共事业和保险，而可变费用则包括娱乐和外出就餐等自由支出。通过对支出进行分类，个人可以看到他们的钱花在哪里，并识别潜在的削减领域。监控和调整计划预算对于成功也至关重要。由于各种因素，如失业、意外医疗费用或收入变化，财务状况可能会发生变化。定期审查和调整预算确保其保持相关性和有效性。许多人发现使用应用程序或电子表格跟踪支出很有帮助，这使他们能够可视化自己的财务状况并对目标负责。此外，良好维护的计划预算可以显著减少财务压力。确切知道可用于自由支出的金额可以缓解对超支或陷入债务的焦虑。此外，拥有明确的计划可以激励个人坚持财务目标，因为他们可以看到自己朝着实现目标所取得的进展。总之，计划预算是有效财务管理不可或缺的工具。它提供了理解收入和支出的框架，设定明确的财务目标，并鼓励负责任的消费习惯。通过定期监控和调整预算，个人和组织可以自信地应对财务旅程，最终实现更大的财务稳定和内心的平静。