A budget (预算) is a spending plan. lt can help you spend moneywisely. lt can do this by cutting out wasteful spending. Of coursepreparing a budget takes planning, and following a budget takeswill power (意志力). Your budget should meet your family's needsand income.The first step in creating a budge is to set your goals. What doesyour family need and want? You must know this to work out thedetails of the budget, Keep goals realistic, in terms of incomeavailable. Then decide which goals are the most important.The next step is estimating (估算) family income. Before you canplan wisely, you need to know how much money you have tospend! Write down all the money you expect to receive (wages.
savings, interest, etc.)) during the planned period.
After you have calculated (iTf) how much money will be available, it is time to estimate expenses. List all of your family expenses.
If you are not satisfied with what you got for your money, look carefully at your spending. Studying your records will show where
overspending（过度开销） has occurred It will also point out poor
buying habits.
It is also a good idea to set aside a small amount of money for
emergencies（紧急情况）. Every family has small emergencies: a
blown tire, a broken device, or the need for minor medical care.
41. According to the passage, what is the advantage of a budget?
收藏
