如何做個人預算管理? 簡單有效的50/20/30法則!

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.

不論是存錢買第一棟房子還是買一雙新鞋，每個人在人生中某個時刻都會爲某件東西作預算--而且每個人都知道難以堅持的癥結在何處。

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?

假如有種簡單的方式能夠確保你堅持自己的預算，並且每月存下來足夠的錢，結果會怎麼樣呢？

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.

據《每日職業女性》報道稱，確實有這樣的方式。該網站聲稱，50/20/30法則能夠應用到每一筆預算，並幫你掌控金錢。

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).

那麼這個法則是如何運作的？漢娜·呂泰爾巴克解釋稱，你每月全部收入的50%應當花費在生活必需品上。這些“需求”包括房租、賬單、食品、乘車卡（如果你開車，還要加上汽車保險和油費）。

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.

如果你糾結於弄清楚究竟哪些支出是屬於這一部分的，你就看那些你每個月幾乎不變的固定支出。

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資的20%存起來。“你的儲蓄將會對你的退休金有益，或者用它來支付你可能有的貸款，比如大學學費貸款或車貸。”漢娜解釋道，並且她建議爲這部分儲蓄開通一個專有銀行賬戶。

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.

規則的第三部分也是最後一部分--30%，它被稱作“慾望”，它可以花費在你想做的開心的事或者想買的東西，比如新衣服。漢娜解釋道，只要你遵循了規則一和二，第三個規則會允許你用這筆錢做點開心的事。

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.'

她總結稱：“你可能非常想在你的"慾望"上花費超過30%的錢，但試着嚴格和誠實對待自己，不要試圖欺騙自我。”

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.

談到技巧，Portafina（養老金和個人儲蓄賬戶諮詢專家）總經理傑米史密斯·湯普森說：“將你的收入按照像這樣的方式分配，能夠讓你仔細考慮你的金錢，使你養成自己爲自己買單的良好習慣，而這點對於財務成功是至關重要的。它很像多年前的勤儉盒系統，是經過考驗和測試的方法。”

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.

毫無疑問，這種方式明顯能夠幫助那些不太在意自己經濟狀況的人，使他們改善自己的經濟狀況。