题型:任务型阅读 题类: 难易度:普通
重庆市主城区七校2023-2024学年高一下学期期末考试英语试题
A budget is your plan for how you spend your money. Saving money isn't easy unless you have a plan and stick to it. .
Set Savings Goals
Defining a goal for your savings plan is the very first step. The Consumer Financial Protection Bureau (CFPB) promotes using SMART savings goals: specific, measurable, attainable, relevant and tailored. . By setting SMART financial goals that are a good fit for your personal finances, you are more likely to keep up with the plan and succeed.
Overspending is scary for many savers and spenders, but getting weekly spending down on paper can be enlightening and uncover opportunities to save an amount of money right away. Check out the CFPB's spending tracker that automatically sums expense categories and highlights spending limits, helping you stay in control of your money.
Evaluate and Cut Down Monthly Bills
. But you may be able to reduce some of the bills. Look for ways to upgrade to energy-efficient appliances if your budget allows. Subscriptions and streaming services are other areas that hide monthly expenses.
Make a Budget and Use Technology
Once you've reduced expenses and identified your savings goal, a budget is key to start saving. . If you find yourself getting hit with late payment fees or insufficient funds on your checking account, it's definitely time to address this with technology. Not only do these fees burn lots of money when you're trying to save it, but they can also hit your credit report and impact your credit score.
A. Track Spending Habits
B. Identify and Change Spending Habits
C. The savings goals you set must be in line with your financial situation
D. Apps and online banking working together make it easier to set up ways to save
E. There are some expenses you can't get around: shelter, food, health care and insurance
F. Setting savings goals and conducting an honest review of spending habits are significant
G. Visit your credit card's website to ensure you take advantage of available cash-back offers
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