Whether saving for a first home or a new pair of shoes, everybody has budgeted for something at some point in their life - and knows the pitfalls of failing to stick to it.
不論是存錢(qián)買(mǎi)第一棟房子還是買(mǎi)一雙新鞋，每個(gè)人在人生中某個(gè)時(shí)刻都會(huì)為某件東西作預(yù)算--而且每個(gè)人都知道難以堅(jiān)持的癥結(jié)在何處。
So what if there was a simple hack that ensured you always kept to your budget and saved exactly the correct amount of money every month?
假如有種簡(jiǎn)單的方式能夠確保你堅(jiān)持自己的預(yù)算，并且每月存下來(lái)足夠的錢(qián)，結(jié)果會(huì)怎么樣呢？
According to Career Girl Daily there is. The site claims that the 50-20-30 rule is one that can be applied to every budget and will help you gain control of your money.
據(jù)《每日職業(yè)女性》報(bào)道稱(chēng)，確實(shí)有這樣的方式。該網(wǎng)站聲稱(chēng)，50/20/30法則能夠應(yīng)用到每一筆預(yù)算，并幫你掌控金錢(qián)。
So how does it work? As Hannah Lutterbach explains, 50 per cent of everything you earn each month should be spent on essentials. These 'needs' include your rent, bills, food shop and travel cards (plus car insurance and petrol if you drive).
那么這個(gè)法則是如何運(yùn)作的？漢娜·呂泰爾巴克解釋稱(chēng)，你每月全部收入的50%應(yīng)當(dāng)花費(fèi)在生活必需品上。這些“需求”包括房租、賬單、食品、乘車(chē)卡（如果你開(kāi)車(chē)，還要加上汽車(chē)保險(xiǎn)和油費(fèi)）。
If you're struggling to work out exactly which expenditures come under this section, it's the ones you pay without fail every single month that are mostly unchanging.
如果你糾結(jié)于弄清楚究竟哪些支出是屬于這一部分的，你就看那些你每個(gè)月幾乎不變的固定支出。
The 20 part of the rule calls for you to put 20 per cent of every single month's pay check into your savings pot. The money you save will be beneficial for your retirement contributions or to pay off debts you might have like college or car loans,' explains Hannah, who recommends having a separate bank account for this segment of your money.
20指的是你要把每月工資的20%存起來(lái)?！澳愕膬?chǔ)蓄將會(huì)對(duì)你的退休金有益，或者用它來(lái)支付你可能有的貸款，比如大學(xué)學(xué)費(fèi)貸款或車(chē)貸?！睗h娜解釋道，并且她建議為這部分儲(chǔ)蓄開(kāi)通一個(gè)專(zhuān)有銀行賬戶(hù)。
The third and final part of the rule is the 30 per cent part, which is dubbed the 'wants' and can be spent on the fun things you want to do or things you want to buy like new clothes. Hannah explains that as long as you've followed steps one and two, the third step allows you to have some fun with your money.
規(guī)則的第三部分也是最后一部分--30%，它被稱(chēng)作“欲望”，它可以花費(fèi)在你想做的開(kāi)心的事或者想買(mǎi)的東西，比如新衣服。漢娜解釋道，只要你遵循了規(guī)則一和二，第三個(gè)規(guī)則會(huì)允許你用這筆錢(qián)做點(diǎn)開(kāi)心的事。
She concluded: 'It can be tempting to spend more than 30 per cent on your “wants” but try to honest and strict with yourself and don't even start to cheat.'
她總結(jié)稱(chēng)：“你可能非常想在你的"欲望"上花費(fèi)超過(guò)30%的錢(qián)，但試著嚴(yán)格和誠(chéng)實(shí)對(duì)待自己，不要試圖欺騙自我?！?BR> Discussing the technique, Jamie Smith-Thompson, managing director of Portafina (pensions and ISA advice specialists), said: 'Categorising your income like this is a great way to think about your money, and will also get you into the habit of paying yourself first, which is crucial for financial success. It's similar to the thrift box system from years ago, so is a tried and tested method.
談到技巧，Portafina（養(yǎng)老金和個(gè)人儲(chǔ)蓄賬戶(hù)咨詢(xún)專(zhuān)家）總經(jīng)理杰米史密斯·湯普森說(shuō)：“將你的收入按照像這樣的方式分配，能夠讓你仔細(xì)考慮你的金錢(qián)，使你養(yǎng)成自己為自己買(mǎi)單的良好習(xí)慣，而這點(diǎn)對(duì)于財(cái)務(wù)成功是至關(guān)重要的。它很像多年前的勤儉盒系統(tǒng)，是經(jīng)過(guò)考驗(yàn)和測(cè)試的方法?！?BR> There's no doubt this would be particularly useful for people who don't pay much attention to their money, and can start them on the road of improving their finances.
毫無(wú)疑問(wèn)，這種方式明顯能夠幫助那些不太在意自己經(jīng)濟(jì)狀況的人，使他們改善自己的經(jīng)濟(jì)狀況。
不論是存錢(qián)買(mǎi)第一棟房子還是買(mǎi)一雙新鞋，每個(gè)人在人生中某個(gè)時(shí)刻都會(huì)為某件東西作預(yù)算--而且每個(gè)人都知道難以堅(jiān)持的癥結(jié)在何處。
So what if there was a simple hack that ensured you always kept to your budget and saved exactly the correct amount of money every month?
假如有種簡(jiǎn)單的方式能夠確保你堅(jiān)持自己的預(yù)算，并且每月存下來(lái)足夠的錢(qián)，結(jié)果會(huì)怎么樣呢？
According to Career Girl Daily there is. The site claims that the 50-20-30 rule is one that can be applied to every budget and will help you gain control of your money.
據(jù)《每日職業(yè)女性》報(bào)道稱(chēng)，確實(shí)有這樣的方式。該網(wǎng)站聲稱(chēng)，50/20/30法則能夠應(yīng)用到每一筆預(yù)算，并幫你掌控金錢(qián)。
So how does it work? As Hannah Lutterbach explains, 50 per cent of everything you earn each month should be spent on essentials. These 'needs' include your rent, bills, food shop and travel cards (plus car insurance and petrol if you drive).
那么這個(gè)法則是如何運(yùn)作的？漢娜·呂泰爾巴克解釋稱(chēng)，你每月全部收入的50%應(yīng)當(dāng)花費(fèi)在生活必需品上。這些“需求”包括房租、賬單、食品、乘車(chē)卡（如果你開(kāi)車(chē)，還要加上汽車(chē)保險(xiǎn)和油費(fèi)）。
If you're struggling to work out exactly which expenditures come under this section, it's the ones you pay without fail every single month that are mostly unchanging.
如果你糾結(jié)于弄清楚究竟哪些支出是屬于這一部分的，你就看那些你每個(gè)月幾乎不變的固定支出。
The 20 part of the rule calls for you to put 20 per cent of every single month's pay check into your savings pot. The money you save will be beneficial for your retirement contributions or to pay off debts you might have like college or car loans,' explains Hannah, who recommends having a separate bank account for this segment of your money.
20指的是你要把每月工資的20%存起來(lái)?！澳愕膬?chǔ)蓄將會(huì)對(duì)你的退休金有益，或者用它來(lái)支付你可能有的貸款，比如大學(xué)學(xué)費(fèi)貸款或車(chē)貸?！睗h娜解釋道，并且她建議為這部分儲(chǔ)蓄開(kāi)通一個(gè)專(zhuān)有銀行賬戶(hù)。
The third and final part of the rule is the 30 per cent part, which is dubbed the 'wants' and can be spent on the fun things you want to do or things you want to buy like new clothes. Hannah explains that as long as you've followed steps one and two, the third step allows you to have some fun with your money.
規(guī)則的第三部分也是最后一部分--30%，它被稱(chēng)作“欲望”，它可以花費(fèi)在你想做的開(kāi)心的事或者想買(mǎi)的東西，比如新衣服。漢娜解釋道，只要你遵循了規(guī)則一和二，第三個(gè)規(guī)則會(huì)允許你用這筆錢(qián)做點(diǎn)開(kāi)心的事。
She concluded: 'It can be tempting to spend more than 30 per cent on your “wants” but try to honest and strict with yourself and don't even start to cheat.'
她總結(jié)稱(chēng)：“你可能非常想在你的"欲望"上花費(fèi)超過(guò)30%的錢(qián)，但試著嚴(yán)格和誠(chéng)實(shí)對(duì)待自己，不要試圖欺騙自我?！?BR> Discussing the technique, Jamie Smith-Thompson, managing director of Portafina (pensions and ISA advice specialists), said: 'Categorising your income like this is a great way to think about your money, and will also get you into the habit of paying yourself first, which is crucial for financial success. It's similar to the thrift box system from years ago, so is a tried and tested method.
談到技巧，Portafina（養(yǎng)老金和個(gè)人儲(chǔ)蓄賬戶(hù)咨詢(xún)專(zhuān)家）總經(jīng)理杰米史密斯·湯普森說(shuō)：“將你的收入按照像這樣的方式分配，能夠讓你仔細(xì)考慮你的金錢(qián)，使你養(yǎng)成自己為自己買(mǎi)單的良好習(xí)慣，而這點(diǎn)對(duì)于財(cái)務(wù)成功是至關(guān)重要的。它很像多年前的勤儉盒系統(tǒng)，是經(jīng)過(guò)考驗(yàn)和測(cè)試的方法?！?BR> There's no doubt this would be particularly useful for people who don't pay much attention to their money, and can start them on the road of improving their finances.
毫無(wú)疑問(wèn)，這種方式明顯能夠幫助那些不太在意自己經(jīng)濟(jì)狀況的人，使他們改善自己的經(jīng)濟(jì)狀況。