如何使用50/30/20预算规则
Balance your personal spending and saving with the 50/30/20 budget rule.
If you've ever wondered how much of your take-home pay (after taxes) you should be spending on housing versus entertainment versus saving, one of the popular budgeting rules is the 50/30/20 financial plan.
While t在这里's no best way to split up income that fits 100% of us, balancing your personal spending and saving can add comfort and confidence to your financial picture. And the 50/30/20 rule is a pretty straightforward way to manage your personal finances.
什么是50/30/20预算规则?
花费不超过 每月实得工资的50%用于需要. 喜欢的东西:
- 抵押贷款/租金
- 公用事业公司
- pp王者电子官网
- 生活用品/食品
- 最低 债务支付
花费大约 30%的折扣. 喜欢的东西:
- 外出就餐
- 娱乐
- 拥有权服务
- 购买奢侈品
至少加上 20% 储蓄. 喜欢的东西:
Here's a 50/30/20 budget example for someone who takes home $2,000 a month:
50% 需要 = $1,000
30% 希望 = $600
20% 储蓄 = $400
Important reminder: The 50/30/20 budget rule only considers your take-home pay for the month, so anything automatically deducted from your paycheck — like your work health insurance premium or 401k养老金 -在等式中不算数.
记住, living in major cities like New York or San Francisco may require you to budget more than 50% in your 需要 category primarily due to the high cost of rent or housing.
如何建立一个50/30/20规则预算
- 把你所有的开支列个清单. 这 每月预算工作表 是一个很好的入门资源吗.
- Classify each expense on your worksheet as either 需要, 希望 or 储蓄.
- 记住 that these terms don't exactly correspond with the definitions of fixed, variable and non-monthly费用. You might pay the same amount every month for a TV streaming service, 也就是说这是一笔固定费用, 但这显然是想要的，而不是需要的.
- Add up your 需要, your 希望 and your 储蓄.
- 把你这个月的开支加起来.
- Divide the total of your 需要 by your total expenses. Multiply the decimal by 100 to see the percentage you spend on 需要.
- Do the same for your 希望 and your 储蓄.
- 比较你的需求, 希望 and 储蓄 percentages to the 50/30/20 rule to see how balanced your budget is.
- Set small, realistic goals to reduce spending on 需要 and 希望, so you can increase your 储蓄. 从小处开始，从那里开始!
小的改变可以带来大的结果
Even if you can't achieve the 50/30/20 budgeting plan right now, working to make small changes can get you closer to financial balance. 从今天开始的小行动 能随着时间的推移带来巨大的变化吗, so don't let budget perfection discourage you from making progress.
