cumulative balance

简明释义

累积余额

英英释义

例句

1.Every time I make a deposit, I check how it affects my cumulative balance 累计余额.

每次我存款时，我都会检查这对我的累计余额 有何影响。

2.The bank provides a detailed report of the cumulative balance 以便客户了解他们的财务状况 at the end of each month.

银行提供详细报告，显示每月末的累计余额 以便客户了解他们的财务状况。

3.To calculate your savings, you need to keep track of your cumulative balance 累计余额 over time.

为了计算你的储蓄，你需要跟踪你的累计余额 随着时间的推移。

4.After reviewing the account statement, I noticed that the cumulative balance 累计余额 had increased significantly over the past month.

在审核账户对账单后，我注意到累计余额 已经显著增加。

5.The cumulative balance is essential for understanding overall financial health of the business.

对于理解企业的整体财务健康状况来说，累计余额 是至关重要的。

作文

In the world of finance and accounting, understanding key terms is essential for making informed decisions. One such term that often arises in discussions about financial statements and personal budgeting is cumulative balance. The cumulative balance refers to the total amount of money that has been accumulated over a specific period, taking into account all transactions, both incoming and outgoing. This metric is particularly useful for individuals and businesses alike as it provides a clear picture of their financial health.To illustrate the importance of cumulative balance, let's consider a simple example. Imagine a small business that sells handmade crafts. At the beginning of the month, the owner starts with a bank account balance of $1,000. Throughout the month, the business generates revenue from sales totaling $2,500. However, the owner also incurs expenses for materials, rent, and utilities, which amount to $1,800. To find the cumulative balance at the end of the month, the owner would add the income to the initial balance and then subtract the expenses:Initial balance: $1,000Total income: $2,500Total expenses: $1,800Calculation:Cumulative balance = Initial balance + Total income - Total expensesCumulative balance = $1,000 + $2,500 - $1,800 = $1,700Thus, the cumulative balance at the end of the month would be $1,700. This figure not only reflects the business's profitability for the month but also serves as a crucial indicator for future financial planning.For individuals managing personal finances, the concept of cumulative balance is equally significant. Many people use budgeting apps or spreadsheets to track their income and expenses. By regularly updating their records, they can maintain an accurate cumulative balance that helps them understand their spending habits and savings goals. For instance, if someone receives a paycheck of $3,000 and spends $2,200 on living expenses, their cumulative balance can be calculated as follows:Initial balance: $500 (savings from previous month)Total income: $3,000Total expenses: $2,200Calculation:Cumulative balance = Initial balance + Total income - Total expensesCumulative balance = $500 + $3,000 - $2,200 = $1,300Having a clear view of the cumulative balance allows individuals to make better financial decisions, such as whether they can afford to go on vacation or if they need to cut back on discretionary spending.Moreover, the cumulative balance plays a vital role in investment strategies. Investors often monitor the cumulative balance of their portfolios to assess performance over time. By comparing the current cumulative balance with previous periods, they can determine whether their investments are yielding positive returns or if adjustments are necessary.In conclusion, the concept of cumulative balance is fundamental in both personal and business finance. It serves as a comprehensive measure of financial health, enabling individuals and organizations to track their progress, plan for the future, and make informed decisions. By maintaining an accurate cumulative balance, one can navigate the complexities of financial management with confidence and clarity.

在金融和会计领域，理解关键术语对于做出明智的决策至关重要。一个经常在财务报表和个人预算讨论中出现的术语是累积余额。累积余额指的是在特定时期内累计的总金额，考虑到所有交易，包括收入和支出。这一指标对个人和企业都很有用，因为它提供了财务健康状况的清晰图景。为了说明累积余额的重要性，让我们考虑一个简单的例子。想象一下，一个销售手工艺品的小企业。月初，老板的银行账户余额为1000美元。在一个月内，该企业的销售收入总计为2500美元。然而，老板还需支付材料费、租金和水电费等费用，总计1800美元。为了找到月底的累积余额，老板需要将收入加到初始余额上，然后减去支出：初始余额：1000美元总收入：2500美元总支出：1800美元计算：累积余额 = 初始余额 + 总收入 - 总支出累积余额 = 1000 + 2500 - 1800 = 1700因此，月末的累积余额为1700美元。这个数字不仅反映了该企业当月的盈利能力，还作为未来财务规划的重要指标。对于管理个人财务的个人来说，累积余额的概念同样重要。许多人使用预算应用程序或电子表格来跟踪他们的收入和支出。通过定期更新记录，他们可以保持准确的累积余额，帮助他们理解消费习惯和储蓄目标。例如，如果某人收到3000美元的薪水，并花费2200美元用于生活开支，他们的累积余额可以这样计算：初始余额：500美元（上个月的储蓄）总收入：3000美元总支出：2200美元计算：累积余额 = 初始余额 + 总收入 - 总支出累积余额 = 500 + 3000 - 2200 = 1300清楚了解累积余额使个人能够做出更好的财务决策，比如是否可以负担得起度假，或者是否需要减少可自由支配的支出。此外，累积余额在投资策略中也发挥着重要作用。投资者通常监控其投资组合的累积余额，以评估随时间的表现。通过比较当前的累积余额与以前的时期，他们可以判断投资是否产生了积极的回报，或者是否需要进行调整。总之，累积余额的概念在个人和企业财务中都是基础。它作为财务健康状况的全面衡量标准，使个人和组织能够跟踪进展、规划未来并做出明智的决策。通过保持准确的累积余额，人们可以自信而清晰地应对财务管理的复杂性。