comprehensive budget

简明释义

综合预算

英英释义

例句

1.The finance team presented a comprehensive budget for the upcoming fiscal year to ensure all departments are adequately funded.

财务团队提出了一个全面预算，以确保所有部门得到充分资金支持。

2.Our nonprofit organization relies on a comprehensive budget to allocate resources effectively across various programs.

我们的非营利组织依赖于全面预算来有效分配各个项目的资源。

3.To secure funding from investors, we need to submit a comprehensive budget detailing our projected expenses and revenues.

为了获得投资者的资金支持，我们需要提交一份详细说明预计支出和收入的全面预算。

4.The project manager created a comprehensive budget that included all potential costs associated with the new initiative.

项目经理制定了一份包含与新计划相关的所有潜在费用的全面预算。

5.During the annual meeting, the CEO emphasized the importance of a comprehensive budget for strategic planning.

在年度会议上，首席执行官强调了全面预算在战略规划中的重要性。

作文

In today's fast-paced world, managing finances effectively is crucial for both individuals and organizations. One of the most important tools for financial management is a comprehensive budget. A comprehensive budget is a detailed financial plan that includes all sources of income and all anticipated expenses over a specific period. This type of budget not only helps in tracking where money is going but also aids in making informed decisions about future expenditures.Creating a comprehensive budget begins with gathering all financial information. For individuals, this might include salaries, bonuses, investment income, and any other sources of revenue. For businesses, it would encompass sales revenue, grants, and any other forms of income. Once all income sources are identified, the next step is to estimate expenses. This can include fixed costs such as rent or mortgage payments, variable costs like groceries and utilities, and discretionary spending on entertainment or luxury items.The key advantage of a comprehensive budget is that it provides a complete picture of one’s financial situation. By having a clear understanding of both income and expenses, individuals and organizations can identify areas where they can cut back or need to invest more. For instance, if an individual notices that they are spending too much on dining out, they might decide to cook at home more often, thereby saving money. Similarly, a company might find that its marketing expenses are disproportionately high compared to revenue generated, prompting a reevaluation of its marketing strategies.Moreover, a comprehensive budget allows for better forecasting and planning. By analyzing past spending patterns, individuals and organizations can make educated predictions about future financial needs. This is especially important for businesses that may experience seasonal fluctuations in revenue. For example, a retail company might see increased sales during the holiday season and can use this information to plan for inventory purchases and staffing needs accordingly.Another benefit of maintaining a comprehensive budget is that it fosters accountability. When individuals or teams are aware of their financial limitations, they are more likely to stick to their budgets. This sense of responsibility can lead to better financial habits in the long run. Furthermore, regular reviews of the comprehensive budget can help in identifying trends and making adjustments as needed, ensuring that financial goals remain achievable.However, creating and adhering to a comprehensive budget is not without its challenges. It requires discipline and commitment to track expenses accurately and to stay within set limits. Unexpected expenses can also arise, which may throw off even the best-laid plans. Therefore, it is essential to build some flexibility into the budget to accommodate unforeseen circumstances.In conclusion, a comprehensive budget is an invaluable tool for effective financial management. It provides clarity and control over one’s finances, allowing for informed decision-making and strategic planning. Whether for personal use or within an organization, investing time and effort into creating a comprehensive budget can lead to significant financial benefits and a more secure financial future. As the saying goes, "A penny saved is a penny earned," and with a comprehensive budget, individuals and organizations can ensure that every penny is accounted for and utilized wisely.

在当今快节奏的世界中，有效管理财务对于个人和组织来说至关重要。财务管理中最重要的工具之一就是全面预算。全面预算是一个详细的财务计划，包含所有收入来源和特定时期内所有预期支出。这种类型的预算不仅有助于跟踪资金流向，还帮助做出关于未来支出的明智决策。创建全面预算的第一步是收集所有财务信息。对于个人来说，这可能包括薪水、奖金、投资收入以及其他任何收入来源。对于企业来说，则包括销售收入、补助金和任何其他收入形式。一旦识别出所有收入来源，下一步就是估算支出。这可以包括固定成本，如租金或按揭付款，变动成本，如食品杂货和公用事业，以及娱乐或奢侈品的可自由支配支出。全面预算的主要优势在于它提供了一个完整的财务状况图景。通过清晰了解收入和支出，个人和组织可以识别出可以削减或需要更多投资的领域。例如，如果个人发现自己在外出就餐上花费过多，他们可能决定更多地在家做饭，从而节省资金。同样，一家公司可能发现其营销支出与产生的收入不成比例，这促使其重新评估营销策略。此外，全面预算还允许更好的预测和规划。通过分析过去的支出模式，个人和组织可以对未来的财务需求做出有根据的预测。这对于可能经历季节性收入波动的企业尤为重要。例如，一家零售公司可能会在假日季节看到销售额增加，并可以利用这一信息来规划库存采购和人员需求。维护全面预算的另一个好处是促进责任感。当个人或团队意识到自己的财务限制时，他们更有可能遵循预算。这种责任感可以在长期内培养更好的财务习惯。此外，定期审查全面预算可以帮助识别趋势并根据需要进行调整，确保财务目标保持可实现。然而，创建和遵循全面预算并非没有挑战。它需要纪律和承诺，以准确跟踪支出并保持在设定的限制内。意外支出也可能出现，这可能会打乱即使是最周密的计划。因此，必须在预算中建立一些灵活性，以适应不可预见的情况。总之，全面预算是有效财务管理的宝贵工具。它提供了对财务的清晰和控制，使得能够做出明智的决策和战略规划。无论是个人使用还是在组织内，投入时间和精力创建全面预算都能带来显著的财务利益和更安全的财务未来。正如谚语所说：“节省的一分钱就是赚到的一分钱”，而通过全面预算，个人和组织可以确保每一分钱都得到合理的计算和利用。