annual budget

简明释义

年度预算

英英释义

例句

1.The CEO presented the annual budget to the board of directors yesterday.

首席执行官昨天向董事会展示了年度预算。

2.The company is finalizing its annual budget for the upcoming fiscal year.

公司正在为即将到来的财政年度最终确定其年度预算。

3.The finance team is responsible for tracking expenses against the annual budget.

财务团队负责跟踪与年度预算的支出情况。

4.We need to review last year's annual budget to identify areas for improvement.

我们需要审查去年的年度预算以识别改进的领域。

5.Each department must submit their requests before the annual budget meeting.

每个部门必须在年度预算会议之前提交他们的请求。

作文

The concept of an annual budget is fundamental to both individual and organizational financial planning. An annual budget refers to a detailed plan that outlines expected income and expenditures over a one-year period. It serves as a financial roadmap, guiding individuals and organizations in making informed decisions about their finances. In this essay, I will explore the significance of an annual budget, the process of creating one, and its impact on achieving financial goals.Firstly, the importance of an annual budget cannot be overstated. For individuals, having an annual budget helps in managing personal finances effectively. It allows individuals to track their income sources, such as salaries or investments, and allocate funds to various expenses like housing, food, transportation, and entertainment. By setting limits on spending in different categories, individuals can avoid overspending and ensure they save for future needs or emergencies.For organizations, an annual budget is equally crucial. It helps businesses plan for growth and allocate resources efficiently. A company’s annual budget typically includes projected revenues from sales, estimated costs of goods sold, operating expenses, and capital expenditures. By analyzing these figures, companies can make strategic decisions about hiring, marketing, and expansion. Furthermore, an annual budget enables organizations to measure performance against set targets, ensuring accountability and facilitating adjustments when necessary.Creating an annual budget involves several steps. The first step is to gather all relevant financial information. This includes past income statements, expense reports, and any other financial documents that provide insight into previous spending habits. Next, it is essential to categorize expenses into fixed and variable costs. Fixed costs are those that remain constant, such as rent or mortgage payments, while variable costs fluctuate, such as groceries or entertainment.Once the data is organized, the next step is to project future income and expenses. This may involve estimating sales growth for a business or considering potential salary increases for individuals. After projecting these figures, it is crucial to compare income against expenses to identify any potential shortfalls or surpluses. If expenses exceed income, adjustments must be made, either by cutting costs or finding ways to increase income.Finally, once the annual budget is established, it should be monitored regularly. This involves tracking actual income and expenses against the budgeted figures. Regular reviews allow individuals and organizations to identify discrepancies and make necessary adjustments throughout the year. This practice not only ensures adherence to the annual budget but also fosters a proactive approach to financial management.In conclusion, an annual budget is an indispensable tool for effective financial planning. It provides clarity and direction, helping individuals and organizations manage their finances with confidence. By understanding the significance of an annual budget, learning how to create one, and committing to regular monitoring, anyone can enhance their financial stability and work towards achieving their financial goals. Whether it is saving for a dream vacation, investing in a new business venture, or simply ensuring that bills are paid on time, an annual budget lays the groundwork for a secure financial future.

年度预算的概念对个人和组织的财务规划至关重要。年度预算指的是一份详细的计划，概述了在一年内预期的收入和支出。它作为财务路线图，引导个人和组织做出明智的财务决策。在这篇文章中，我将探讨年度预算的重要性、创建过程及其对实现财务目标的影响。首先，年度预算的重要性不容小觑。对于个人而言，拥有年度预算有助于有效管理个人财务。它使个人能够追踪收入来源，例如工资或投资，并将资金分配到各种开支上，如住房、食品、交通和娱乐。通过为不同类别设定支出限额，个人可以避免超支，并确保为未来的需求或紧急情况储蓄。对于组织来说，年度预算同样至关重要。它帮助企业规划增长并有效分配资源。公司的年度预算通常包括预期的销售收入、估计的商品成本、运营费用和资本支出。通过分析这些数字，公司可以就招聘、营销和扩展做出战略决策。此外，年度预算使组织能够根据设定的目标衡量绩效，确保问责制并在必要时促进调整。创建年度预算涉及几个步骤。第一步是收集所有相关的财务信息。这包括过去的收入报表、支出报告以及提供以前支出习惯洞察的任何其他财务文件。接下来，必须将支出分类为固定成本和可变成本。固定成本是不变的，例如租金或按揭付款，而可变成本则波动，例如杂货或娱乐。一旦数据整理完成，下一步是预测未来的收入和支出。这可能涉及估算企业的销售增长或考虑个人的潜在薪资增长。在预测这些数字后，至关重要的是将收入与支出进行比较，以识别任何潜在的短缺或盈余。如果支出超过收入，则必须进行调整，可以通过削减成本或寻找增加收入的方法来实现。最后，一旦建立了年度预算，应定期进行监控。这涉及跟踪实际收入和支出与预算数字的对比。定期审查使个人和组织能够识别差异，并在整个年度内进行必要的调整。这种做法不仅确保遵守年度预算，而且促进了对财务管理的积极主动的态度。总之，年度预算是有效财务规划不可或缺的工具。它提供了清晰的方向，帮助个人和组织自信地管理财务。通过理解年度预算的重要性，学习如何创建预算，并承诺定期监控，任何人都可以增强财务稳定性，努力实现财务目标。无论是为梦想假期储蓄、投资新商业项目，还是简单地确保及时支付账单，年度预算为安全的财务未来奠定了基础。