Abudget(预算)isaspendingplan.Itcanhelpyouspendmoneywisely.Itcandothisbycuttingoutwastefulspending.Ofcourse,preparingabudgettakesplanning,andfollowingabudgettakeswillpower.Yourbudgetshouldmeetyourfamily’sneeds
Abudget(预算)isaspendingplan.Itcanhelpyouspendmoneywisely.Itcandothisbycuttingoutwastefulspending.Ofcourse,preparingabudgettakesplanning,andfollowingabudgettakeswillpower.Yourbudgetshouldmeetyourfamily’sneedsandincome.
Thefirststepincreatingabudgetistosetyourgoals.Whatdoesyourfamilyneedandwant?Youmustknowthistoworkoutthedetailsofthebudget.Keepgoalsrealistic,intermsofincomeavailable.Thendecidewhichgoalsarethemostimportant.
Thenextstepisestimatingfamilyincome.Beforeyoucanplanwisely,youneedtoknowhowmuchmoneyyouhavetospend!Writedownallthemoneyyouexpecttoreceive(wages,savings,interest,etc.)duringtheplannedbudgetperiod.
Afteryouhavecalculatedhowmuchmoneywillbeavailable,itistimetoestimateexpenses.Listallofyourfamilyexpenses.
Ifyouarenotsatisfiedwithwhatyougotforyourmoney,lookcarefullyatyourspending.Studyingyourrecordswillshowwhereoverspendinghasoccurred.Itwillalsopointoutpoorbuyinghabits.
Itisalsoagoodideatosetasideasmallamountofmoneyforemergencies.Everyfamilyhassmallemergencies:ablowntire,abrokendevice,ortheneedforminormedicalcare.
31.Accordingtothepassage,whatistheadvantageofabudget?
A)Itcanhelpyousetyourgoalsclearly.
B)Itcanhelpyousavealotofmoney.
C)Itcanhelpyougetridofpoorbuyinghabits.
D)Itcanhelpyouspendmoneyinareasonableway.
32.Incarryingoutyourbudget,youneed___________.
A)tohavetheabilitytocontrolyourself
B)toaskyourfamilymembersforadvice
C)tocutitdownasmuchaspossible
D)totakecarenottobuyexpensivethings
33.Oneadvantageofkeepingarecordofyourspendingisthat_________.
A)youwillrememberhowmuchyouhavealreadyspent
B)youwillknowifyouhavespentmoremoneythanyouplanned
C)youwillbeabletotellyourfamilywhatshouldnotbebought
D)youwilllearnhowtomakeabetterbudgetnexttime
34.Thewritersuggeststhatitisagoodideatosetasidesomemoneybecause_________.
A)youprobablywillnotbeabletofollowyourbudge
