首页
登录
职称英语
[originaltext]W: Do you know where your money goes? Do you spend more than you
[originaltext]W: Do you know where your money goes? Do you spend more than you
游客
2023-12-21
11
管理
问题
W: Do you know where your money goes? Do you spend more than you think you should? Do you never have quite enough cash to buy the things you want? Answering these questions and understanding the role money plays in your life is the first step of wise money management. Here in the studio for today’s Managing Your Money program we have Prof. Peter Sampson, the University’s Financial Consultant. Prof. Sampson is also dean of the School of Economics. Prof. Sampson, to start with, what advice would you give to our students regarding their finances?
M: Well, if you have money problems, and there’s virtually no one who doesn’t have some concerns about finances, the solution is to develop a budget. A budget is a formal plan that accounts and plans for expenditures and income. Although it is based on an uncomplicated premise i.e. expenditures should not exceed income, budgeting is not simple, particularly when you are a student.
W: Is it very complicated to make out a balanced budget?
M: Budgeting is very personal; what is appropriate for one person doesn’t work for another. For a few people, keeping track of their spending comes naturally; they enjoy accounting for every dollar that passes through their hands. For most people, though, developing a budget—and sticking to it—does not come easily. However, if you follow several basic steps, the process of budgeting is straightforward.
W: Can you elaborate on some of them?
M: Sure. First, you need to identify your financial goals. You need to ask yourself why you want more money. What would you spend it on? What would bring you the most satisfaction? Purchasing a new smart phone? Saving money for a vacation? Paying for college rather than taking out loans? You won’t be able to develop a budget that will work for you until you determine your financial goals.
W: Then, what is the next step?
M: Second, you need to determine your expenditures and income. You need to make a list of everything you think you’ll need to spend over the next year. Some items are easy to think of, such as rent and tuition payments, because they occur regularly and the amount you pay is fixed. Others are harder to budget for because they can vary substantially. For example, the cost of books varies considerably from one term to another. As for your income, apart from your monthly stipend it’s as important to list other sources of income. List any support you receive from family members. Also include any financial aid such as tuition reduction, loan payments or scholarship. If you’ve prepared and organized your budget, actually constructing your budget is as easy as adding 2 + 2. Well, the numbers will be larger. But all you need to do is add up your list of expenses, and your sources of income. In a perfect world, the numbers will be equal.
W: That sounds perfect. But most of the time, most of us find that expenditures are larger than our income. What are your suggestions?
M: Well, if you find you spend more than you make, there are only two things to do: decrease your spending or increase your income. It’s often easiest to decrease expenditures, because your expenses tend to be more under your control. There are many things you can do, for example, control impulse buying, make major purchases only during big sales and so on. Furthermore, one of the best ways for students to save money is to get good grades. If you are forced to repeat a class because of a low grade, you’ll have to take another course as a substitute, and that may be an added expense.
Budgets can also be brought into balance by increasing income. The most direct way to increase income is to get a part-time job. Although working adds to the time-management challenges you will face, it does not mean that your grades will necessarily suffer. In fact, many students who work do better in school than those who don’t work, because those with jobs need to be more disciplined and focused. In addition, a part-time job in an area related to your future career may prove to be helpful in getting a job after you graduate.
W: How about taking out a student loan?
M: Considering part-time work is often a better strategy for dealing with budget shortfalls. As student loans are relatively simple to get, it’s easy to use them as a crutch. Loans can be a help in an emergency or if you couldn’t afford to attend college without them. If you do take out a loan, remind yourself: one day soon you’ll have to pay back, with interest.
Question No. 11 According to the man, how can the student solve their money problems?
Question No. 12 Which of the following is NOT a financial goal for college students?
Question No. 13 Why is getting good grades one of the best ways for students to save money?
Question No. 14 How can students taking part-time jobs do better in school?
Question No. 15 What does the man think about taking out a student loan?
选项
A、By taking a student loan.
B、By consulting a specialist.
C、By developing a budget.
D、By finding a decent job.
答案
C
解析
转载请注明原文地址:https://tihaiku.com/zcyy/3293528.html
相关试题推荐
[originaltext]下面你将听到的是一段有关中国经济社会发展的讲话。中国的改革开放已经走过了26个年头。26年来,中国发生了翻天覆地的变化。
[originaltext]下面你将听到的是一段介绍美国著名导演斯皮尔伯格的讲话。StevenSpielberg’sfirstfilmswe
[originaltext]下面你将听到的是一段有关经济发展的讲话。Iwouldliketocommentontherelations
[originaltext]下面你将听到的是一位外国友人在中国一所大学的讲话。Iwouldliketothankyou,Mr.Pres
[originaltext]下面你将听到的是一段有关全球经济发展的讲话。Theongoingeconomicglobalizationand
[originaltext]下面你将听到的是一段有关矿产开发的讲话。中国经济高速发展,需要大量的矿产品及相关的能源与原材料加工制品。每年消耗的矿石量
[originaltext]下面你将听到的是一段有关减轻债务的讲话。Iwanttodaytosetdebtreductioninth
[originaltext]下面你将听到的是一位中国官员在世界经济论坛年会上的一段讲话。主席先生,女士们、先生们:目前,国际形势正处于深刻变化之
[originaltext]下面你将听到的是一段有关气候变化的讲话。TheevidencethattheEarth’satmosphere
[originaltext]下面你将听到的是一段有关美国银行在亚洲拓展金融业务的讲话。Ifyouthoughtmultimediawass
随机试题
Membersoftheclubarerequiredto______.[originaltext]M:Right,thisisthe
【教学过程】 环节一:歌曲音频导入 聆听歌曲《吉祥三宝》,询问学生这首歌曲描述了什么?感受到了什么?根据学生的回答,总结这首歌表达了父母对小女儿的疑问,
工程项目管理的发展趋势包括()。A:国际化趋势 B:集成化趋势 C:专业化
A.四逆汤合桃红四物汤 B.生脉散合血府逐淤汤 C.六味地黄汤合补中益气汤
老师要求学生课前预习,有学生末按要求完成预习任务,直接影响老师授课计划。如果你是
金融期货价格反映的是市场对未来现货价格的预期,如果不考虑诸如交易费用等现实市场交
控制炭疽芽孢杆菌毒力产生的基础是A.质粒 B.溶原性噬菌体 C.转座子 D
银行承兑汇票的承兑银行,应当按照票面金额向出票人收取()的手续费。A:千分之一
8个月男婴,咳嗽2天,2小时前突然惊厥一次,查体:体温38℃,神志清,咽充血,心
24岁女性,有不洁性生活史。一周来发现大阴唇出现圆形直径1~2cm边界清晰的红色
最新回复
(
0
)