spendable income

简明释义

工资减去所得税、保险费等以后的净收入

英英释义

例句

1.I always save a portion of my spendable income for emergencies.

我总是将一部分我的可支配收入存起来以备急需。

2.With a higher salary, my spendable income has increased significantly.

随着薪水的提高，我的可支配收入显著增加。

3.After paying all my bills, I realized that my spendable income is quite limited this month.

在支付完所有账单后，我意识到这个月我的可支配收入非常有限。

4.It's important to budget your spendable income to avoid unnecessary debt.

合理规划你的可支配收入是避免不必要债务的重要步骤。

5.Understanding your spendable income can help you make better financial decisions.

了解你的可支配收入可以帮助你做出更好的财务决策。

作文

Understanding the concept of spendable income is crucial for effective financial planning and management. Spendable income refers to the amount of money that an individual or household has available to spend after all necessary expenses have been deducted. This includes essential costs such as housing, utilities, food, transportation, and taxes. Once these mandatory expenses are accounted for, the remaining funds represent the spendable income, which can be used for discretionary spending, savings, or investments.For many people, understanding their spendable income is the first step towards achieving financial stability. It allows individuals to assess how much money they truly have at their disposal each month. By calculating spendable income, one can make informed decisions about budgeting and spending priorities. For example, if someone realizes that their spendable income is lower than expected, they might decide to cut back on non-essential expenses, such as dining out or entertainment, to ensure they stay within their means.Moreover, spendable income plays a significant role in setting financial goals. Whether it's saving for a vacation, paying off debt, or contributing to retirement accounts, knowing how much spendable income one has can help in creating a realistic plan. Individuals can allocate a portion of their spendable income towards savings or investments, which can lead to long-term financial growth and security.In addition to personal finance, the concept of spendable income also has broader implications for the economy. When consumers have more spendable income, they are likely to spend more on goods and services, which stimulates economic growth. Conversely, when spendable income declines due to rising costs or stagnant wages, consumer spending may decrease, leading to slower economic growth. Therefore, understanding spendable income is not only important for individuals but also for policymakers who aim to foster a healthy economy.To effectively manage spendable income, it is essential to track expenses and create a budget. This involves listing all sources of income and categorizing expenses into fixed and variable costs. Fixed costs are those that remain constant each month, such as rent or mortgage payments, while variable costs can fluctuate, such as groceries and entertainment. By having a clear overview of where money is going, individuals can better control their spendable income and make adjustments as needed.Ultimately, mastering the concept of spendable income empowers individuals to take charge of their financial well-being. By understanding what constitutes spendable income and how to manage it effectively, people can work towards their financial goals with confidence. Whether it’s building an emergency fund, saving for a major purchase, or simply enjoying life without financial stress, knowing one’s spendable income is a key component of a sound financial strategy.

理解可支配收入的概念对有效的财务规划和管理至关重要。可支配收入是指个人或家庭在扣除所有必要支出后可用于消费的金额。这包括住房、水电费、食品、交通和税收等基本费用。一旦这些必需的支出被考虑在内，剩余的资金就代表了可支配收入，可以用于自由支出、储蓄或投资。对于许多人来说，理解他们的可支配收入是实现财务稳定的第一步。它使个人能够评估每月实际上可支配的资金。当计算出可支配收入时，人们可以对预算和支出优先事项做出明智的决定。例如，如果某人意识到他们的可支配收入低于预期，他们可能会决定削减非必要开支，例如外出就餐或娱乐，以确保他们保持在自己的经济能力之内。此外，可支配收入在设定财务目标方面也发挥着重要作用。无论是为度假储蓄、偿还债务还是向退休账户缴款，知道自己有多少可支配收入都可以帮助制定现实的计划。个人可以将一部分可支配收入分配用于储蓄或投资，从而实现长期的财务增长和安全。除了个人财务外，可支配收入的概念在经济中也具有更广泛的意义。当消费者拥有更多的可支配收入时，他们往往会在商品和服务上花费更多，这刺激了经济增长。相反，当由于成本上升或工资停滞导致可支配收入下降时，消费者支出可能会减少，从而导致经济增长放缓。因此，理解可支配收入不仅对个人重要，对旨在促进健康经济的政策制定者同样重要。为了有效管理可支配收入，跟踪支出和创建预算是必不可少的。这涉及列出所有收入来源并将支出分类为固定和可变成本。固定成本是每月保持不变的费用，例如房租或按揭，而可变成本则可能波动，例如杂货和娱乐。通过清晰了解资金流向，个人可以更好地控制自己的可支配收入并根据需要进行调整。最终，掌握可支配收入的概念使个人能够掌控自己的财务状况。通过理解什么构成可支配收入以及如何有效管理它，人们可以自信地朝着财务目标努力。无论是建立应急基金、为重大购买储蓄，还是简单地享受没有财务压力的生活，了解自己的可支配收入都是健全财务策略的关键组成部分。