non-discretionary cost

简明释义

无法控制的费用

英英释义

例句

1.Rent is a significant non-discretionary cost 非自由支出 that must be paid every month.

房租是一个重要的非自由支出，每个月都必须支付。

2.Loan repayments are a common example of non-discretionary costs 非自由支出 for many families.

贷款还款是许多家庭常见的非自由支出。

3.Utilities like electricity and water are considered non-discretionary costs 非自由支出 in most households.

在大多数家庭中，电费和水费被视为非自由支出。

4.Food expenses can be both discretionary and non-discretionary costs 非自由支出, depending on the type of food purchased.

食品开支可以是自由支出和非自由支出，这取决于购买的食品类型。

5.Healthcare expenses can often be categorized as non-discretionary costs 非自由支出 that individuals cannot avoid.

医疗费用通常可以归类为个人无法避免的非自由支出。

作文

In today's world, understanding personal finance is essential for achieving financial stability and success. One of the key concepts in personal finance is the idea of a non-discretionary cost, which refers to expenses that are necessary and unavoidable. These costs typically include essentials such as rent or mortgage payments, utilities, groceries, and insurance premiums. Unlike discretionary spending, which can be adjusted based on one's preferences and lifestyle choices, non-discretionary costs must be paid regardless of individual circumstances.

To illustrate the importance of understanding non-discretionary costs, consider the example of a young professional living in a city. This individual may have a stable job that provides a steady income. However, their monthly budget will be significantly impacted by their non-discretionary costs. For instance, if the rent for their apartment is $1,500 per month, this amount is a fixed expense that they cannot avoid. Similarly, utility bills, which might average around $200, and grocery expenses, which could be about $300, further contribute to their non-discretionary costs.

Understanding these fixed costs is critical for effective budgeting. If the young professional neglects to account for these necessary expenses, they may find themselves in financial trouble. For example, if they decide to spend excessively on entertainment or dining out, they may not have enough left over to cover their non-discretionary costs, leading to late fees, debt accumulation, or even eviction.

Moreover, recognizing non-discretionary costs can help individuals prioritize their spending. By knowing what expenses are unavoidable, they can make more informed decisions about their discretionary spending. For instance, if they know their total non-discretionary costs amount to $2,000 each month, they can plan their discretionary budget accordingly. If their income is $3,000, they would have $1,000 left for savings, entertainment, and other variable expenses.

In addition, understanding non-discretionary costs can also aid in long-term financial planning. Individuals can assess their current financial situation and identify areas where they might reduce discretionary spending to save for future goals, such as purchasing a home or retiring comfortably. For example, if the young professional wants to save for a down payment on a house, they might choose to cut back on dining out and entertainment to ensure they can meet their non-discretionary costs while still setting aside money for savings.

In conclusion, grasping the concept of non-discretionary costs is vital for anyone looking to manage their finances effectively. These costs represent the necessary expenses that must be addressed each month, and understanding them allows individuals to create realistic budgets, prioritize spending, and plan for the future. By keeping track of non-discretionary costs, individuals can work towards achieving their financial goals while ensuring that their basic needs are met. Ultimately, a solid understanding of non-discretionary costs empowers individuals to take control of their financial lives and make informed decisions that lead to stability and success.

在当今世界，理解个人财务对于实现财务稳定和成功至关重要。个人财务中的一个关键概念是非自由支出的概念，它指的是必要且不可避免的开支。这些费用通常包括租金或按揭付款、水电费、食品杂货和保险费。与可以根据个人偏好和生活方式进行调整的可自由支出不同，非自由支出无论个人情况如何都必须支付。

为了说明理解非自由支出的重要性，考虑一个年轻专业人士在城市生活的例子。这个人可能有一份稳定的工作，提供稳定的收入。然而，他们的月度预算将受到他们的非自由支出的显著影响。例如，如果他们公寓的租金每月为1500美元，这是一项固定的费用，是他们无法避免的。同样，平均约200美元的水电费和约300美元的食品杂货费用进一步增加了他们的非自由支出。

理解这些固定成本对于有效的预算编制至关重要。如果年轻专业人士忽视了这些必要费用，他们可能会发现自己陷入财务困境。例如，如果他们决定在娱乐或外出就餐上花费过多，他们可能没有足够的钱来支付他们的非自由支出，导致逾期费用、债务累积甚至驱逐。

此外，认识到非自由支出还可以帮助个人优先考虑支出。通过了解哪些费用是不可避免的，他们可以对可自由支出做出更明智的决策。例如，如果他们知道每月的总非自由支出为2000美元，他们可以相应地规划他们的可自由支出预算。如果他们的收入为3000美元，他们将有1000美元用于储蓄、娱乐和其他可变费用。

此外，理解非自由支出还可以帮助长期财务规划。个人可以评估自己的当前财务状况，并识别出可能减少可自由支出的领域，以便为未来的目标（如购房或舒适退休）储蓄。例如，如果年轻专业人士想为购房首付储蓄，他们可能会选择减少外出就餐和娱乐支出，以确保他们能够满足非自由支出的同时还存钱。

总之，掌握非自由支出的概念对于任何希望有效管理财务的人来说都是至关重要的。这些费用代表每个月必须解决的必要支出，理解它们使个人能够制定现实的预算、优先考虑支出并规划未来。通过跟踪非自由支出，个人可以朝着实现财务目标努力，同时确保满足基本需求。最终，对非自由支出的扎实理解使个人能够掌控自己的财务生活，并做出明智的决策，从而实现稳定和成功。