四口之家的预算建议: 理财方式发生了巨变_BEC初级作文

四口之家的预算建议: 理财方式发生了巨变

Victoria Sully, 33, is a full-time blogger who writes about money and lifestyle at lyliarose.com. She lives in Brockworth, Gloucestershire, with her husband Ben, an IT service manager, and their two children, six-year-old Bella and three-year-old Reuben.

现年33岁的维多利亚·萨利（Victoria Sully）是lyliarose.com网站的一名全职博主，写一些有关金钱和生活方式的帖子。她和丈夫本（一名信息技术服务经理）住在格洛斯特郡的布罗克沃思，他们有两个孩子--6岁的贝拉和3岁的鲁本。

My approach to money has drastically changed over the past few years. I used to be a spender, but having children has made me more responsible and I'm becoming a saver. Being in my 30s has also been a wake-up call, as I realise I need to save for retirement. My New Year's resolution this year is to save for an emergency fund, and I've also recently started putting money away towards a pension. I'm starting to think about the future by budgeting and putting money aside.

过去几年，我对金钱的态度发生了翻天覆地的变化。以前，我都是大手大脚的花钱，但生了孩子后，我变得更有责任感，开始节省开支。30多岁也是一个警钟，因为我意识到，我得为退休存钱了。我在新年下定决心：存一笔应急基金，最近，我开始存养老金了。我开始考虑未来、做预算、存钱。

One way we've simplified taking care of our finances is by having a joint "master" bank account, where all our income goes into and all our bills are debited from. Previously, all the bills came out of Ben's account, and at the time I worked less or was on maternity leave, so we relied solely on Ben's income.