spendable earnings

简明释义

可花费的收入

英英释义

例句

1.After paying all my bills, I found that my spendable earnings 可支配收入 were quite limited this month.

在支付了所有账单后，我发现这个月我的可支配收入 spendable earnings相当有限。

2.Investing a portion of your spendable earnings 可支配收入 can help grow your wealth over time.

投资你的一部分可支配收入 spendable earnings可以帮助你随着时间的推移增加财富。

3.It's important to track your spendable earnings 可支配收入 to ensure you stay within your budget.

跟踪你的可支配收入 spendable earnings很重要，以确保你在预算范围内。

4.By budgeting wisely, you can maximize your spendable earnings 可支配收入 each month.

通过明智地制定预算，你可以最大化每个月的可支配收入 spendable earnings。

5.Many people use their spendable earnings 可支配收入 for entertainment and leisure activities.

许多人将他们的可支配收入 spendable earnings用于娱乐和休闲活动。

作文

In today's economy, understanding personal finance is more important than ever. One crucial aspect of managing one's finances is knowing about spendable earnings. Spendable earnings refers to the portion of an individual's income that is available for discretionary spending after all necessary expenses and taxes have been paid. This concept is vital for budgeting and financial planning, as it dictates how much money a person has left to spend on non-essential items or savings. Many people often confuse spendable earnings with gross income or net income. Gross income is the total amount earned before any deductions, while net income is the amount left after taxes and mandatory deductions. However, spendable earnings takes it a step further by considering all essential living expenses, such as rent, utilities, groceries, and transportation costs. To illustrate the importance of spendable earnings, consider a hypothetical individual named Sarah. Sarah earns a gross income of $60,000 per year. After taxes, her net income comes down to approximately $45,000. However, when she factors in her monthly expenses—$1,500 for rent, $300 for utilities, $400 for groceries, and $200 for transportation—she realizes that her essential expenses total around $30,000 annually. When Sarah subtracts her essential expenses from her net income, she finds that her spendable earnings are only $15,000 per year. This amount is what she can use for entertainment, dining out, travel, and savings.Understanding spendable earnings helps individuals make informed decisions about their financial priorities. For example, if Sarah wants to save for a vacation, she needs to adjust her budget to ensure she can allocate a portion of her spendable earnings towards that goal. Alternatively, if she finds herself in a situation where her spendable earnings are insufficient to cover unexpected expenses, she may need to reevaluate her spending habits or find ways to increase her income.Moreover, spendable earnings can vary significantly from one individual to another, depending on lifestyle choices and financial obligations. Some people may prioritize luxury items or experiences, while others might focus on saving for future investments or emergencies. This variability underscores the importance of creating a personalized budget that reflects one's values and goals. In conclusion, understanding spendable earnings is essential for anyone looking to take control of their financial situation. By recognizing the difference between gross income, net income, and spendable earnings, individuals can create a more accurate picture of their financial health. This knowledge empowers them to make better spending choices, plan for the future, and ultimately achieve their financial goals. Whether it's saving for a dream vacation, paying off debt, or investing in a home, knowing how much money is truly available for spending can make all the difference in achieving financial stability and success.

在当今经济中，理解个人财务比以往任何时候都更为重要。管理财务的一个关键方面是了解可支配收入。可支配收入指的是个人在支付所有必要费用和税款后，可用于自由支配消费的收入部分。这个概念对于预算和财务规划至关重要，因为它决定了一个人可以用来购买非必需品或储蓄的资金数量。许多人常常将可支配收入与总收入或净收入混淆。总收入是扣除任何扣款之前的总收入，而净收入是扣除税费和强制性扣款后的金额。然而，可支配收入进一步考虑了所有必要的生活费用，例如房租、水电费、杂货和交通费用。为了说明可支配收入的重要性，考虑一个假设的个体，名叫莎拉。莎拉每年赚取60,000美元的总收入。扣除税款后，她的净收入约为45,000美元。然而，当她计算出每月的开支——1,500美元的房租、300美元的水电费、400美元的杂货和200美元的交通费——她意识到她的基本开支每年总计约为30,000美元。当莎拉从净收入中减去必要的开支时，她发现她的可支配收入仅为每年15,000美元。这笔钱是她可以用于娱乐、外出就餐、旅行和储蓄的。理解可支配收入帮助个人做出明智的财务决策。例如，如果莎拉想为一次度假储蓄，她需要调整预算，以确保能够将一部分可支配收入分配到这个目标上。另一方面，如果她发现自己的可支配收入不足以应对意外开支，她可能需要重新评估自己的消费习惯或寻找增加收入的方法。此外，可支配收入因个人的生活方式选择和财务义务而有很大差异。有些人可能优先考虑奢侈品或体验，而其他人可能专注于为未来的投资或紧急情况储蓄。这种变化突显了制定反映个人价值观和目标的个性化预算的重要性。总之，理解可支配收入对于任何希望掌控自己财务状况的人来说都是必不可少的。通过认识到总收入、净收入和可支配收入之间的区别，个人可以更准确地了解自己的财务状况。这种知识使他们能够做出更好的消费选择，为未来规划，并最终实现财务目标。无论是为梦想假期储蓄、偿还债务，还是投资购房，知道真正可用于支出的金额都能在实现财务稳定和成功方面发挥重要作用。