The purpose of this website is to be a place for learning and discussion. The website and each tutorial topics do not encourage anyone to participate in trading or investment of any kind.
Any information shown in any part of this website do not promise any movement, gains, or profit for any trader or non-trader.

Please do not spam in this forum

Spamming is causing issue to the site and will be completely banned

.

Author Topic: 如何预算资金  (Read 115 times)

的收

  • Guest
on: December 19, 2024, 11:51:40 AM
如何预算资金

预算是针对您所拥有的每一美元所制定的计划。无论您的收入是稳定的还是每月都有所不同,预算都可以帮助您将支出、储蓄目标和其他财务义务组织成一个可管理的系统,从而可以提供更多的财务自由和更少的生活压力。

步骤 1. 计算你的税后收入

如果您有固定的薪水,那么您收到的金额可能是您的税后收入,也称为净收入或实得工资。税后收入通常就是扣除联邦税和州税后剩下的钱。出于预算目的,如果您还从支票中扣除了一些钱用于 401(k)或健康或人寿保险,请将这些扣除额加回去,以便真实了解您的储蓄和支出情况。

如果您有其他类型的收入(例如来自兼职),请减去任何减少该收入的费用,例如税金和业务费用。
第 2 步:选择预算系统

预算系统是如何预算的框架。每个人都有不同的习惯、性格类型和理财方法,并且有适合您生活方式的系统。任何预算都必须涵盖您的所有需求、部分愿望,以及——这是关键——应急和未来储蓄。预算系统示例包括信封系统、零基预算和 50/30/20 预算。

第 3 步:跟踪进度

记录您的支出,或尝试使用预算应用程序或预算电子表格等工具。注意你的钱花在了哪里。如果您发现自己在某些方面支出过多,请尝试削减这些成本。如果您能够削减开支并且还有剩余,可以将其用于偿还债务、储蓄或其他财务优先事项。
第 4 步:自动储蓄

尽可能地实现自动化,让事情变得更容易。您可以设置自动存款到应急基金、投资或退休账户,以匹配您的发薪日。

如果您的收入不稳定,请设置提醒以便在可以的时候手动转账。无论哪种情况,责任伙伴或在线支持小组都可以提供帮助,以便您对不符合预算的选择负责。
第五步:实行预算管理

您的收入、支出和优先事项会随着时间而改变,因此请定期(例如每季度一次)重新审视您的预算。如果您发现最初选择的预算系统不适合您,请考虑尝试其他策略。您选择的预算不一定要永远持续下去。



 

-

Discussion Forum / 论坛 / منتدى للنقاش/ Diễn đàn thảo luận/

-
Disclaimer : The purpose of this website is to be a place for learning and discussion. The website and each tutorial topics do not encourage anyone to participate in trading or investment of any kind. Any information shown in any part of this website do not promise any movement, gains, or profit for any trader or non-trader.

By viewing any material or using the information within this site, you agree that it is general educational material whether it is about learning trading online or not and you will not hold anybody responsible for loss or damages resulting from the content provided here. It doesn't matter if this website contain a materials related to any trading. Investing in financial product is subject to market risk. Financial products, such as stock, forex, commodity, and cryptocurrency, are known to be very speculative and any investment or something related in them should done carefully, desirably with a good personal risk management.

Prices movement in the past and past performance of certain traders are by no means an assurance of future performance or any stock, forex, commodity, or cryptocurrency market movement. This website is for informative and discussion purpose in this website only. Whether newbie in trading, part-time traders, or full time traders. No one here can makes no warranties or guarantees in respect of the content, whether it is about the trading or not. Discussion content reflects the views of individual people only. The website bears no responsibility for the accuracy of forum member’s comments whether about learning forex online or not and will bear no responsibility or legal liability for discussion postings.

Any tutorial, opinions and comments presented on this website do not represent the opinions on who should buy, sell or hold particular investments, stock, forex currency pairs, commodity, or any products or courses. Everyone should conduct their own independent research before making any decision.

The publications herein do not take into account the investment objectives, financial situation or particular needs of any particular person. You should obtain individual trading advice based on your own particular circumstances before making an investment decision on the basis of information about trading and other matter on this website.

As a user, you should agree, through acceptance of these terms and conditions, that you should not use this forum to post any content which is abusive, vulgar, hateful, and harassing to any traders and non-traders.