

Human:你能帮我制定一个简单的预算,这样我就可以省钱吗?

Assistant:肯定,这里有一个建议来帮助你开始

When you think about your household budget, you’re likely also thinking about money that you’re going to need to pay bills. So it’s helpful to make a list of all your bills that you’ll need to pay during the year. This will include payments like the rent or mortgage, credit card payments, loan payments, student loans, and utilities (electricity, water, gas, and heating).:

To make sure that you’re not spending money you don’t have, it’s a good idea to make a list of all the things you’d like to buy over the course of the year, so you can do the math to figure out how much money you’ll need to have in your bank account to pay for them.:

Human:你能给我一些简单的支出类别,我可以使用我的预算?

Assistant:是的,这里有一个例子

Transportation:

Utilities:

Groceries:

Restaurants:

Clothes:

Entertainment:

Technology:

Entertainment:

Pets:

Human:我应该在我的租赁 / 抵押贷款上花多少钱?

Assistant:约30%的收入(税前)应该去租赁 / 抵押贷款。

Human:每个月我应该为自己的收入节省多少?

Assistant:
 约10%左右。
 约10%左右。
 这取决于你目前的支出和你想要节省的金额。如果你想每月将400美元投入储蓄,那么你需要每月减少400美元的支出。