While government statistics show that we are currently in a low-inflation world, this often does not translate into reality. Health care and education costs have increased at a faster rate than core inflation.
虽然政府的统计数据表明我们目前正处于低通胀时期,但现实情况却并非总是如此。医疗保健和教育费用正以高于核心通胀的速度增长。
Underestimating expenses could derail your long-term plans.
低估支出费用或破坏长期计划。
Fortunately, there are tools to simplify the collection of this data. Online expense trackers, such as mint.com or mvelopes.com, streamline the process and link directly to your bank and credit card accounts to pull necessary information. In addition to online trackers, you should secure three years' worth of your monthly bank and credit card statements to verify prior spending.
幸运的是,简化这些数据的方法有很多。mint.com或mvelopes.com等在线开支追踪工具可简化记录开支的过程,而且可以直接与银行、信用卡账户关联,以获取消费信息。除了在线开支追踪器,你还应该准备近三年的月度银行账单和信用卡账单,以核查先前的支出。
It is important for you to determine not only historical spending, but also likely spending in the future.
做到这一点很重要:既要确认先前的支出,也要确认今后的支出。
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2020-09-15
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