If you had a monthly income (收入) of 15,000 yuan, how much of it would you spend? And how would you save?
Many people find budgeting (制定预算) 31. They turn to popular budgeting apps, only to forget about them by the third day.
Why not follow the 50/30/20 method? It is one of the most effective and simple budgeting methods around. According to this method, you should divide your monthly income into three 32: 50% for “needs”, 30% for “wants”, and 20% for “savings”.
“Needs” refers to the bills that you must 33 and the necessary things for survival. 34, they include electricity and gas bills, transportation and food and drinks. These are “must-haves”. If you have to spend more than 50% of your income on your “needs”, you may need to 35 your lifestyle. For example, you may consider cooking at home, rather than eating out often.
“Wants” refers to 36 costs. You choose to spend your money on these things, but could easily live without them. You could 37 at home instead of going to the sports center. You could watch sports on TV instead of getting tickets to the game. You could continue using your three-year-old backpack.
38, you need to save 20% of your monthly income. Savings are 39. You never know when you may lose your job or when an accident may take place.
40the 50/30/20 method. It will help you live a happy life while making sure you have some savings to fall back on whenever you need them.
31．A．convenientB．difficult
C．boringD．challenging
32．A．stepsB．groups
C．halvesD．forms
33．A．payB．buy
C．returnD．share
34．A．SuddenlyB．Seriously
C．ActuallyD．Simply
35．A．changeB．enjoy
C．improveD．create
36．A．unavailableB．uncertain
C．unknownD．unnecessary
37．A．set outB．find out
C．go outD．work out
38．A．As a resultB．Last of all
C．In shortD．In general
39．A．popularB．important
C．impossibleD．limited
40．A．DevelopB．Show
C．SpreadD．Try
参考答案
31．B32．B33．A34．C35．A36．D37．D38．B39．B40．D
