如何做个人预算管理? 简单有效的50/20/30法则!

Whether saving for a first home or a new pair of shoes, everybody has budgeted for something at some point in their life - and knows the pitfalls of failing to stick to it.

不论是存钱买第一栋房子还是买一双新鞋，每个人在人生中某个时刻都会为某件东西作预算--而且每个人都知道难以坚持的症结在何处。

So what if there was a simple hack that ensured you always kept to your budget and saved exactly the correct amount of money every month?

假如有种简单的方式能够确保你坚持自己的预算，并且每月存下来足够的钱，结果会怎么样呢？

According to Career Girl Daily there is. The site claims that the 50-20-30 rule is one that can be applied to every budget and will help you gain control of your money.

据《每日职业女性》报道称，确实有这样的方式。该网站声称，50/20/30法则能够应用到每一笔预算，并帮你掌控金钱。

So how does it work? As Hannah Lutterbach explains, 50 per cent of everything you earn each month should be spent on essentials. These 'needs' include your rent, bills, food shop and travel cards (plus car insurance and petrol if you drive).

那么这个法则是如何运作的？汉娜·吕泰尔巴克解释称，你每月全部收入的50%应当花费在生活必需品上。这些“需求”包括房租、账单、食品、乘车卡（如果你开车，还要加上汽车保险和油费）。

If you're struggling to work out exactly which expenditures come under this section, it's the ones you pay without fail every single month that are mostly unchanging.

如果你纠结于弄清楚究竟哪些支出是属于这一部分的，你就看那些你每个月几乎不变的固定支出。

The 20 part of the rule calls for you to put 20 per cent of every single month's pay check into your savings pot. The money you save will be beneficial for your retirement contributions or to pay off debts you might have like college or car loans,' explains Hannah, who recommends having a separate bank account for this segment of your money.

20指的是你要把每月工资的20%存起来。“你的储蓄将会对你的退休金有益，或者用它来支付你可能有的贷款，比如大学学费贷款或车贷。”汉娜解释道，并且她建议为这部分储蓄开通一个专有银行账户。

The third and final part of the rule is the 30 per cent part, which is dubbed the 'wants' and can be spent on the fun things you want to do or things you want to buy like new clothes. Hannah explains that as long as you've followed steps one and two, the third step allows you to have some fun with your money.

规则的第三部分也是最后一部分--30%，它被称作“欲望”，它可以花费在你想做的开心的事或者想买的东西，比如新衣服。汉娜解释道，只要你遵循了规则一和二，第三个规则会允许你用这笔钱做点开心的事。

She concluded: 'It can be tempting to spend more than 30 per cent on your “wants” but try to honest and strict with yourself and don't even start to cheat.'

她总结称：“你可能非常想在你的"欲望"上花费超过30%的钱，但试着严格和诚实对待自己，不要试图欺骗自我。”

Discussing the technique, Jamie Smith-Thompson, managing director of Portafina (pensions and ISA advice specialists), said: 'Categorising your income like this is a great way to think about your money, and will also get you into the habit of paying yourself first, which is crucial for financial success. It's similar to the thrift box system from years ago, so is a tried and tested method.

谈到技巧，Portafina（养老金和个人储蓄账户咨询专家）总经理杰米史密斯·汤普森说：“将你的收入按照像这样的方式分配，能够让你仔细考虑你的金钱，使你养成自己为自己买单的良好习惯，而这点对于财务成功是至关重要的。它很像多年前的勤俭盒系统，是经过考验和测试的方法。”

There's no doubt this would be particularly useful for people who don't pay much attention to their money, and can start them on the road of improving their finances.

毫无疑问，这种方式明显能够帮助那些不太在意自己经济状况的人，使他们改善自己的经济状况。