cash budget

简明释义

现金预算

英英释义

例句

1.Every month, the manager reviews the cash budget to track spending against the forecast.

每个月，经理都会审查现金预算以跟踪实际支出与预测之间的差异。

2.The finance team prepared a cash budget to ensure they can cover all upcoming expenses.

财务团队准备了一个现金预算以确保能够覆盖所有即将发生的费用。

3.In order to make informed decisions, the team relies on the cash budget for their financial planning.

为了做出明智的决策，团队依靠现金预算进行财务规划。

4.A well-prepared cash budget helps businesses avoid liquidity problems.

一个准备充分的现金预算有助于企业避免流动性问题。

5.By analyzing the cash budget, we can identify potential cash flow issues before they arise.

通过分析现金预算，我们可以在潜在的现金流问题出现之前识别出它们。

作文

A cash budget is an essential financial tool for both individuals and businesses. It serves as a plan that outlines expected cash inflows and outflows over a specific period, typically on a monthly or annual basis. The primary purpose of a cash budget is to ensure that there is enough liquidity available to meet obligations as they arise. By forecasting cash needs, individuals and organizations can avoid potential shortfalls that could lead to financial difficulties.Creating a cash budget involves estimating all sources of income, such as salaries, sales revenue, and other earnings. This is followed by listing all anticipated expenses, including fixed costs like rent and utilities, as well as variable costs such as groceries and entertainment. Once these figures are compiled, the net cash flow can be calculated by subtracting total expenses from total income.One of the significant advantages of maintaining a cash budget is the ability to track spending habits. By regularly comparing actual cash flows against the budgeted figures, individuals and businesses can identify areas where they may be overspending or where they can cut back. This not only promotes better financial discipline but also aids in making informed decisions about future expenses and investments.Moreover, a cash budget can help in planning for unexpected expenses. Life is unpredictable, and having a clear understanding of one’s cash position allows for better preparation for emergencies. For instance, if a car breaks down or an unexpected medical bill arises, having a cash budget can help determine whether there are sufficient funds available to cover these costs without resorting to debt.For businesses, a cash budget is crucial for operational efficiency. It enables companies to manage their working capital effectively, ensuring that they can pay suppliers on time and invest in growth opportunities. A well-prepared cash budget can also provide insights into seasonal trends, helping businesses to anticipate periods of low cash flow and prepare accordingly.In conclusion, a cash budget is more than just a financial document; it is a roadmap to financial stability and success. By understanding and utilizing a cash budget, individuals and businesses can gain greater control over their finances, make informed decisions, and ultimately achieve their financial goals. Whether it’s saving for a vacation, preparing for retirement, or ensuring that a business can thrive, a cash budget is an indispensable tool that should not be overlooked. It empowers people to take charge of their financial futures and navigate the complexities of money management with confidence.

现金预算是个人和企业的重要财务工具。它作为一个计划，概述了在特定时期内（通常是按月或按年）预期的现金流入和流出。现金预算的主要目的是确保有足够的流动资金来满足到期的义务。通过预测现金需求，个人和组织可以避免潜在的短缺，这可能导致财务困难。创建现金预算涉及估算所有收入来源，例如工资、销售收入和其他收益。接下来列出所有预期支出，包括固定成本，如租金和公用事业费，以及可变成本，如杂货和娱乐费用。一旦这些数字汇总，就可以通过从总收入中减去总支出来计算净现金流。保持现金预算的一个重大优势是能够跟踪消费习惯。通过定期比较实际现金流与预算数字，个人和企业可以识别出可能过度支出的领域或可以削减开支的地方。这不仅促进了更好的财务自律，还有助于做出有关未来支出和投资的明智决策。此外，现金预算还可以帮助规划意外支出。生活充满不确定性，清楚了解自己的现金状况可以更好地为紧急情况做好准备。例如，如果汽车故障或出现意外医疗账单，拥有现金预算可以帮助确定是否有足够的资金来支付这些费用，而不必依赖债务。对于企业来说，现金预算对运营效率至关重要。它使公司能够有效管理营运资金，确保能够按时支付供应商并投资于增长机会。准备良好的现金预算还可以提供季节性趋势的见解，帮助企业预见现金流低迷的时期并做好相应准备。总之，现金预算不仅仅是一个财务文件；它是通向财务稳定和成功的路线图。通过理解和利用现金预算，个人和企业可以更好地控制自己的财务，做出明智的决策，并最终实现他们的财务目标。无论是为假期储蓄、为退休做准备，还是确保企业能够蓬勃发展，现金预算都是一个不可忽视的重要工具。它使人们能够掌控自己的财务未来，自信地驾驭复杂的资金管理。