预算范本-英文
预算的英语作文
预算的英语作文Title: Mastering Budgeting: A Comprehensive Guide。
Budgeting plays a pivotal role in managing personal finances effectively. Whether it's for an individual, a family, or a business, having a well-crafted budget ensures financial stability and helps achieve long-term goals. In this essay, we delve into the intricacies of budgeting, its importance, and strategies to master it.Understanding Budgeting。
At its core, a budget is a financial plan outlining expected income and expenses over a specific period. It serves as a roadmap, guiding spending decisions and ensuring that financial resources are allocated wisely. Budgeting involves forecasting future income, estimating expenses, and making adjustments to achieve financial objectives.The Importance of Budgeting。
1. Financial Discipline: Budgeting instills disciplinein managing money. By tracking expenses and adhering to a budget, individuals can avoid overspending and prioritize essential needs.2. Achieving Goals: Whether it's saving for a vacation, buying a home, or retiring comfortably, budgeting helps individuals work towards their financial goals systematically.3. Emergency Preparedness: A well-planned budget includes provisions for emergencies and unexpected expenses, providing a financial safety net during challenging times.4. Debt Management: Budgeting facilitates debt repayment by allocating funds towards paying off debts systematically, thus reducing financial stress and interest payments.5. Building Wealth: Through effective budgeting,individuals can allocate resources towards investments and savings, laying the foundation for long-term wealth accumulation.Strategies for Mastering Budgeting。
关于预算的英语作文
Budgeting is a crucial skill in both personal finance and business management.It involves planning and allocating financial resources to meet various needs and goals. Here are some key points to consider when writing an essay on budgeting:1.Introduction to Budgeting:Start by explaining what budgeting is and why it is important.Mention that it helps individuals and organizations to manage their finances effectively and avoid overspending.ponents of a Budget:Discuss the different components that make up a budget. This could include income,expenses,savings,and debt repayment.Explain the importance of each component in creating a balanced budget.3.Types of Budgets:There are various types of budgets,such as the zerobased budget, envelope budget,and percentagebased budget.Describe each type and the situations in which they might be most effective.4.Creating a Budget:Provide a stepbystep guide on how to create a budget.This should include:Assessing your current financial situation.Setting financial goals.Categorizing your income and expenses.Allocating funds to each category based on priorities.5.Tracking Expenses:Emphasize the importance of tracking expenses to ensure that you stay within your budget.Discuss tools and methods that can be used for tracking,such as spreadsheets,budgeting apps,or financial software.6.Adjusting the Budget:Explain that budgets are not set in stone and may need to be adjusted as circumstances change.Discuss how to revise a budget to accommodate changes in income,expenses,or financial goals.7.Benefits of Budgeting:Highlight the benefits of budgeting,such as reducing financial stress,achieving financial goals faster,and improving overall financial health.8.Challenges and Solutions:Acknowledge the challenges that people may face when budgeting,such as overspending,underestimating expenses,or lack of discipline.Offer solutions to overcome these challenges,like setting realistic goals,seeking professional advice,or using technology to assist in budget management.9.Case Studies or Examples:Include reallife examples or case studies to illustrate howbudgeting has helped individuals or businesses achieve their financial objectives.10.Conclusion:Summarize the main points of your essay and reiterate the importance of budgeting.Encourage readers to take control of their finances by creating and sticking toa budget.11.Further Reading and Resources:Provide a list of additional resources where readers can learn more about budgeting,such as books,websites,or financial advisors.Remember to use clear and concise language,provide specific examples,and maintain a logical flow of information throughout your essay.This will help your readers understand the concept of budgeting and its practical applications in everyday life.。
英语作文 预算
英语作文预算Title: Budget。
Budgeting is an essential part of personal and professional financial management. It involves creating a plan for how to spend and save money, and it is crucial for achieving financial goals and stability. In this article, we will explore the importance of budgeting, as well as some tips for creating and sticking to a budget.First and foremost, budgeting is important because it helps individuals and businesses track their income and expenses. By creating a budget, one can see exactly where their money is going and identify areas where they may be overspending. This awareness allows for better financial decision-making and can help prevent unnecessary debt or financial hardship.Additionally, budgeting is crucial for setting and achieving financial goals. Whether it's saving for avacation, a new car, or retirement, having a budget in place can help individuals allocate funds towards these goals and track their progress over time. Without a budget, it can be easy to lose sight of long-term financial objectives and spend money frivolously.Furthermore, budgeting can also provide a sense of financial security. By having a clear understanding ofone's income and expenses, individuals can better prepare for unexpected costs or emergencies. This can alleviate stress and provide peace of mind, knowing that there is a plan in place to handle any financial challenges that may arise.Now that we understand the importance of budgeting,let's discuss some tips for creating and sticking to a budget. The first step is to accurately track income and expenses. This can be done using a spreadsheet, budgeting software, or even just pen and paper. By recording all sources of income and every expenditure, individuals can gain a comprehensive understanding of their financial situation.Once income and expenses are documented, it's important to categorize and prioritize spending. Fixed expenses such as rent, utilities, and insurance should be allocated first, followed by variable expenses such as groceries, entertainment, and dining out. Additionally, setting aside funds for savings and investments should be a priority in any budget.After allocating funds to various expenses and savings, it's important to regularly review and adjust the budget as needed. Circumstances and priorities can change, so it's crucial to be flexible and make necessary adjustments tothe budget. This may involve cutting back on certain expenses, finding ways to increase income, or reallocating funds to different categories.Finally, sticking to a budget requires discipline and commitment. It's important to avoid unnecessary spendingand stay focused on financial goals. This may involvesaying no to impulse purchases, finding ways to save on regular expenses, and seeking out opportunities to increaseincome.In conclusion, budgeting is an essential tool for managing personal and professional finances. It provides a clear understanding of income and expenses, helps set and achieve financial goals, and provides a sense of security. By accurately tracking income and expenses, prioritizing spending, and staying disciplined, individuals and businesses can create and stick to a budget that leads to financial stability and success.。
预算的英语作文
Budgeting is an essential part of financial planning, and it plays a crucial role in helping individuals and families manage their money effectively. In this essay, we will discuss the importance of budgeting, the steps to create a budget, tips for sticking to a budget, the benefits of budgeting, common budgeting mistakes, and the impact of budgeting on overall financial well-being.
V. Common Budgeting Mistakes
Despite its importance, budgeting can be challenging, and people often make common mistakes. These may include underestimating expenses, not accounting for irregular or unexpected costs, or being too rigid with the budget. It's important to be flexible and make adjustments when necessary to avoid these pitfalls.
In conclusion, budgeting is a fundamental aspect of financial management. By understanding its importance, following the necessary steps, adhering to helpful tips, and avoiding common mistakes, individuals can experience the many benefits of budgeting. Ultimately, budgeting contributes to greater financial stability and a more secure future.
月预算的英文作文
月预算的英文作文英文：Budgeting is an essential part of managing personal finance. It helps to keep track of your expenses and ensures that you don't overspend. I have been budgeting for a few years now, and it has helped me to save money and achieve my financial goals.Firstly, I make a list of all my monthly expenses, including rent, utilities, groceries, transportation, and entertainment. Then, I allocate a specific amount of money to each category based on my income and priorities. For example, I may allocate more money to groceries and transportation if I have a long commute and prefer to eat healthy food.Next, I track my expenses throughout the month using a budgeting app or spreadsheet. This helps me to stay within my budget and identify areas where I can cut back onspending. For instance, I may realize that I am spending too much money on dining out and decide to cook more meals at home.Finally, at the end of the month, I review my budget and make adjustments as necessary. If I have overspent in a particular category, I may reduce the budget for the following month. Conversely, if I have saved money, I may allocate it towards a savings goal or treat myself to something special.Overall, budgeting has helped me to be more mindful of my spending and make better financial decisions. It has also given me a sense of control over my finances and reduced my stress levels.中文：预算是管理个人财务的重要组成部分。
英文预算花销作文
英文预算花销作文英文：Budgeting is an important aspect of financial management. It involves planning and allocating funds for various expenses. There are different types of expensesthat need to be considered when creating a budget, such as fixed expenses, variable expenses, and discretionary expenses.Fixed expenses are those that remain the same each month, such as rent, mortgage payments, and insurance premiums. Variable expenses, on the other hand, fluctuate from month to month, such as utility bills and groceries. Discretionary expenses are those that are not necessary for daily living, such as entertainment and dining out.To create a budget, I first determine my total income for the month. Then, I list all of my fixed expenses and subtract them from my income. Next, I estimate my variableexpenses based on past spending habits and subtract that from my remaining income. Finally, I allocate a certain amount of money for discretionary expenses.It's important to regularly review and adjust the budget as necessary. Unexpected expenses may arise, or I may need to cut back on certain expenses to stay within my budget. By sticking to a budget, I can better manage my finances and avoid overspending.中文：预算是财务管理的重要方面。
金钱预算英文作文
金钱预算英文作文英文：Budgeting is an essential skill for managing money. It involves planning and allocating funds for different expenses, such as bills, groceries, and leisure activities. Personally, I find that creating a budget helps me stay on track with my finances and avoid overspending.One way I budget is by using the envelope method. Ilabel envelopes with different categories, such as rent, utilities, and entertainment. Then, I put the allocated amount of cash for each category in its respective envelope. This helps me visually see how much money I have left for each expense and prevents me from overspending.Another method I use is tracking my expenses. I keep a record of all my purchases in a spreadsheet or an app, and categorize them accordingly. This allows me to see where my money is going and identify areas where I can cut back.Overall, budgeting is crucial for financial stability and achieving financial goals. It may take some time to find the method that works best for you, but once you do, it can make a significant difference in your financial well-being.中文：预算是管理金钱的必要技能。
{财务管理预算编制}财政预算报告范本英文版
{财务管理预算编制}财政预算报告范本英文版⏹IntroductionTricolplcapanywhomakesarangeoffurnitureandkitchenware.Andoneofitsmostpopularpro ductsisthe‘Zupper’expandabletable.Thepurposeofwritingthisreportistodothevarianceanalysis,projectevaluationandtoparethebudgetandactualdatabyusingthetechnique.FindingsPartAPossibleReasonforVariances1.MaterialDirectMaterial–Total-￡2,400Fmadeup:DirectMaterialUsage–￡20000F(Levelofsignificance–usage/totalbudgetedMaterialcosts=8,000/64,000=12.5%>3%,shouldbereview ed)2000kglessmaterialsareusedthanbudgetedfortheactuallevelofproduction.Possiblerea sonmaybeusingthehigher-gradematerialwithlesswastage.Orthenewmachineryuselessmat erialsandincurslesswstage.DirectMaterialPrice–￡5,600A(5,600/64,000=8.75%>3%)Itis￡1perkgmoreexpensivethanplanned Possiblereason: Newmaterialsupplierdoesnotgivediscountsformaterials.Hither-gradematerialshavebeenusedwhichismoreexpensive.bourDirectLabourTotal-￡6,400ADirectLabourRate–￡3,520A(3,520/28,800=12.2%>3%)Onaverage,theactuallabourrateis￡1/hourhigherthanbudgetedPossiblereason:Thewagesettlementishigherthanexpected Thenewmachinerequirestrainingssothatovertimerequiredmorethanexpected. DirectlabourEfficiency-￡2000A>3%)4.16%Actually,morethan200labourhourshavebeenusedthanbudgeted.Possiblereaso n:Newmachineryrequiresmorehoursfortraining..Humanresourceissues–theskilledoperativesisnotenough. 3．TotalOverhead-￡600FRateis4.70% UnpredictedincreaseininsuranceandAdministrationcosts Possiblereason:Newmachinerybringsmoreexpensiveinsurance,highermaintenanceandaddition aladministrativecosts.PartB1.Keyassumptionsmade:a)Thereisnotaxationandinflation.b)Assumedthatthereisnovarygivenreturnmarketrate.c)Thetotalcostoftheprojectwillbepayableatthestartd)Theexpectedrevenuefromtheinvestment–thisistheexpectedNetCashFlowafterdeductionofallrelevantcosts2.PaybackPaybackinthiscaseis4.125years(totalinvestment-returnperiodisfiveyears ).Sothepanycangetbacktheinvestment.TheNetPresentValueis￡-64，800.Itindicatesthattheprojectdoesnotappeartobefinanciallyviable. ConclusionPartBThisprojectisavailablebecausethepaybackis4.125years. ButtheNetPresentValue(NPV)isnegative.Sotheprojectisnotavailable. However,weshouldusetheconclusionoftheNetPresentValuebecausetheNetPres entValue(NPV)consideredthetimevalueofmoney.RemendationsPartARemendationsformanagementaction:1.Allthevariancesshouldbeanalysisbecauseallofthemareabove3%,thelevelofsignificance.2.Particularly,thedirectlabourvariancesneedfurtherinvestigation–whyisthepanypayingahigherwageratebutthelabourproductivityislowerth anplanned.PartB1.Toconsidertheeffectofthenewfacilitiesonpany’sownstaff–intermsofemploymentandredeploymentopportunities.2.Toconsideranychangesinanyotherareas,likesocial,political,economic,legalandtechnologicalfactors.3.Whetheritispossibleforthepanytoraisethesufficientfunds–toconsiderifthecurrentcashflowpositioncansupportsuchaninvestment. AppendixPartA1.Table1TricolplcFlexedBudgetforJune2.FurtherVarianceAnalysisThecalculationofthevariancesa)Directmaterialtotal:(BudgetedQuantity*BudgetedPrice)–(ActualQuantity*ActualPrice)=(4kg*1,600*￡10perkg)-(5,600kg*￡11perkg)=￡64,000-￡61,600=￡2,400F b)Directmaterialusage:Budgetedprice*(BudgetedQuantity–ActualQuantity)=￡10perkg*(4kg*1,600-5,600kg)=￡8,000Fc)Directmaterialprice:ActualQuantity*(Budgetedprice–Actualprice)=5,600kg*(￡10perkg-￡11perkg)=￡5,600Ad)Directlabortotal:BudgetedHours*BudgetedRate–Actualhours*ActualRate=(2hours*1600*￡9)-￡35200=￡6,400Ae)Directlaborrate:ActualHours*(BudgetedRate–ActualRate)=3,520hours*(￡9-￡10)=￡3,520Af)Directlaborefficiency:BudgetedRate*(BudgetedHours–ActualHours)=￡9-(2hours*1600-3520hours)=￡2,880Ag)Totaloverhead:(BudgetVariableOverhead+BudgetFixedOverhead)-(ActualVariableOverhead+ ActualFixedOverhead)=(£4000+£8200)-(£3200+£8600)=£400FPartB1.PaybackperiodmethodPayback=4+40,000/320,000=4.125years2.Discountcashflowtechnique(netpresentvalue) CalculationofNetPresentValue （NPV）at10%感谢阅读多年企业管理咨询经验，专注为企业和个人提供精品管理方案，企业诊断方案，制度参考模板等欢迎您下载，均可自由编辑。
管理会计全面预算英文版
写在前面：这是我们小组写的一篇关于编制一个全面预算的作业。
因为课程原因此文为英文版，并有一定的不足。
考虑到与其将之放在U盘里暗无天日，不如拿出来给大家分享并借鉴。
此文仅供参考请勿用于抄袭等。
谢谢！●Contents● Introduction (2)Background (2)Main business competitors (2)Target customer base (2)● Master budget (2)The financial data (2)The master budgets (5)a. Sales budget (5)b. Cash collections from customers (5)c. Purchase and cost of goods sold budget (6)d. Cash Disbursements for purchases (6)e. Operating expense budget (7)f. Capital budget (7)g. Budget Income Statement (8)h. Cash budget (9)i. Budget Balance Sheet (9)● Conclusion (11)● Reference (11)●IntroductionBackgroundWe use 100,000 yuan to open a MAYMAY cake house.It nears the Chongqing University of Technology.And the cake house makes cupcakes and sellsit.Main business competitorsNow,we are under a high pressure,we might face many competitors,such as Hua Sheng Yuan,Holiland and others.We chose here to open the cake house because there are little competitor,and a great deal of people.Target customer baseTeachers,students and the nearby residents, factory workers are our target customers. They have a great demand for convenient, nutritional and benefit breakfast or fast food.●Master budgetThe financial data.MAY MAY company’s balance sheet as 31 Mar.2014 is as follow:Assets 31Mar.2014Current assetsCash 8,600Accounts receivable 9,400Merchandise inventory 12,0001,800Unexpiredinsurance(july-Dec)Unexpired rent 15,000 45,200Plant assetsEquipment and other 74,00017,600 60,800AccumulateddepreciationTotal assets 100,000Liabilities and owner’s equityCurrent liabilitiesAccount payable 8,400Owner’s equity91,600Total liabilities and100,000owner’s equity1.We illustrate the budgeting process using the MAY MAY patisserie company.Although master budgets cover a full year,for the sake of brevity this illustration shows only the first 3 months of MAY MAY’s fiscal year.April-June.Sale budgetMarch April May June JulyTotal sales $40,000 $30,000 $35,000 $40,000 $50,000 2. Our initial investment for 100,000 dollars, and the renovation cost is 30,000 dollars,in addition, the cost of equipment and decoration is one-time payment.3.The following are the cost of fixed assets:Oven 10,000Proofing boxes 10,000Electric mixer 2,000Operation table 2,000Window displays 10,000Implements 5,0004.On average,60% of sales are cash sales and remaining 40% are credit sales.And sales in March were 40,000.5.Gross profit margin is 60% of sales.30% of the purchases are paid in the month of purchase and the remainder in the following month. In addition,we have to maintain a monthly inventory of 50% of next month’s cost of goods sol d.6.The following are the monthly expected expense:(1).We will pay total $6,500 to two salesclerks for wages.(2).Insurance:200(3).Rent:5,000(4).Depreciation on existing assets:200(5).Miscellaneous expense 5% of current month’s sales.7. The fixed assets useful life are 20 years.We use Straight Line Method to computing depreciation every year.8.The cost of insurance is a one-time payment at the beginning of the year.9. The rent expense is paid each quarter.The first month of each quarter is time topay this quarter’s rent expense.10.We will only borrow money if there are insufficient funds.The interest rate on loanis 10% per annum.11.The business tax rate is 5%.The master budgetsa. Sales budgetMarch April May June July April—June Total40,000 30,000 35,000 40,000 50,000 115,000 Totalsalesb. Cash collections from customersApril May JuneCash sales (60% of18,000 21,000 24,000current monthsales)16,000 12,000 14,000 Collections of lastmonth’s creditsales (40%ofprevious monthsales)Total collections 34,000 33,000 38,000c. Purchase and cost of goods sold budgetApril May June April ---JuneTotal12,000 14,000 16,000 42,000 Budget cost ofgoods soldPlus : Desired7,000 8,000 10,000 25,000endinginventory19,000 22,000 26,000 67,000TotalmerchandiseneededLess :6,000 7,000 8,000 21,000 BeginninginventoryPurchases 13,000 15,000 18,000 46,000d. Cash Disbursements for purchasesApril May June8,400 9,100 10,50070% of last month’spurchasesPlus 30% of this9,000 4,500 5,400month’s purchasesDisbursements of17,400 13,600 15,900purchasese. Operating expense budgetApril May June April ---JuneTotalWages (Fixed) 6,500 6,500 6,500 19,500200 200 200 600 Insurance(Fixed)Rent (Fixed) 5,000 5,000 5,000 15,000200 200 200 600 Depreciationon existingassets(Fixed)1,500 1,750 2,000 5,250 Miscellaneousexpense (5%of sales)Total expense 13,400 13,650 13,700 40,750f. Capital budgetAssets CostOven 10,000Proofing boxes 10,000Electric mixer 2,000Operation table 2,000Window displays 10,000 Implements 5,000Total 39,000g. Budget Income StatementApril ---June Total Sales 115,000Cost of goods sold 42,000Gross margin 73,000 Operating expense:Wages 19,500Rent 15,000 Miscellaneous 5,250Insurance 600 Depreciation 600Income from operation 32,050Tax expense 1,602.5Net income 30,447.5h. Cash budgetApril May June8,600 11,800 15,900 Beginning cashbalanceCash receipts and disbursements34,000 33,000 38,000 Collections fromcustomersPayments for(17,400) (13,600) (15,900) merchandise(13,400) (13,650) (13,700) Payment foroperating expenseNet cash receipts3,200 5,750 8,400 and disbursement3,200 5,750 8,400 Total cash increasefrom financingEnding cash11,800 17,550 25,950 balancei. Budget Balance SheetAssets 30.Jun.2014Current assetsCash 25,950 Accounts receivable 16,000 Inventory 1,000 Unexpired insurance 1,20044,150 Plant assetsEquipment and other 74,000 Accumulated depreciation 18,20055,800 Total assets99,950Liabilities and owners’ equityCurrent liabilitiesAccounts payable 32,20032,200 Owner’s equity67,750 Current liabilities and owner’s equity99,950●ConclusionAccording to the preparation of budget table, we know that our net profit is about 30,447,50.However, because of the high fixed costs, we should try our best to improve sales. That means we should improve sales by increasing our customers. So, the next thing we should do immedinatly is to increase the marketing managements like advertising.●Reference[01] PSB Academy. Preparing the Master Budget(p297-p302). Introduction to Management Accounting.2014.[02] PSB Academy. Making Managerial Decisions(p291-p296). Introduction to Management Accounting.2014.。
关于预算的英语作文
关于预算的英语作文Budgeting is a crucial part of managing our finances.It helps us to track our expenses and make sure we are not overspending. It also allows us to allocate our money to different areas, such as savings, bills, and entertainment.When it comes to budgeting, it's important to be realistic about our income and expenses. We need to take into account all of our regular bills, as well as any unexpected expenses that may arise. By being honest with ourselves about our financial situation, we can create a budget that is achievable and sustainable.One of the key benefits of budgeting is that it helps us to prioritize our spending. By setting aside money for important expenses, such as rent and groceries, we can ensure that we are meeting our basic needs before splurging on non-essential items.Budgeting also allows us to save for the future. Bysetting aside a portion of our income each month, we can build up a financial safety net for emergencies or future goals, such as buying a house or taking a dream vacation.It's important to review and adjust our budget regularly. Life is unpredictable, and our financial situation can change at any time. By regularly reviewing our budget, we can make sure it is still working for us and make any necessary adjustments.In conclusion, budgeting is an essential tool for managing our finances. It helps us to track our expenses, prioritize our spending, and save for the future. By being realistic and regularly reviewing our budget, we can ensure that we are in control of our finances and working towards our financial goals.。