Unit 5 家庭财政大事——日常花销和理财

场景！

每逢节日必促销，尤其是网上铺天盖地的促销活动，总能让“月光族”“购物狂”在财政上雪上加霜。不管有用还是没用，看到促销就想买，买回来才发现其实很少用！这是很多冲动购物者的真实写照。荷包又没hold住子！没办法，只能向朋友哭穷了，这时你可以说“我这个月都快入不敷出了”。

一句话告别

“入不敷出”用英语怎么说呢？又NG了吗？用英语哭穷，你应该这样说：

I can hardly make ends meet this month.

必备词

keep track of every penny 记下每笔收入和支出

wage-earner 工薪族

payday 发薪日

budget 预算

low on cash 缺钱

paycheck薪水

hard up 缺钱

cut spending缩减开支

live from hand to mouth 勉强糊口过活

expenditure 支出

tighten budget 减少预算

cut the frills 减少不必要的开支

必备句

收入与支出

在日常消费中，最好合理规划收入和支出，这样才能有计划地支配自己的收入规划收支相关的表达有。

I will keep track of every penny.

我会记下每笔收入和支出的。

Both the husband and wife are wage-earners.

夫妻俩都上班挣工资。

Today is payday.

今天是发薪日。

We have to start living on a budget.

我们得量入为出。

I stay within a budget.

我量入为出。

I made a steady paycheck.

我收入稳定。

预算吃紧

工资时时刻刻都不够，信用卡天天刷，再刷下去恐怕会“破产”吧，手头缺钱时你可以说。

I am going to be broke if keeping spending money like that.

如果我再不节制，迟早会破产的。

I'm low on cash this month!

我这个月正缺钱呢！

I'm a bit hard up.

我手头有点紧。

I had to live from hand to mouth.

我不得不勉强糊口过活。

I'm flat broke right now

我现在身无分文。

I can't afford that.

我付不起这个费用。

缩减开支

“月光族”固然过得潇洒，但是遇到紧急情况时可能就会束手无策了，还是存点钱好！缩减开支相关的表达有。

I have to tighten our budget and cut our spending.

我不得不减少预算，削减开支。

They cut down unnecessary expenditure.

他们削减了不必要的开支。

We must cut the frills.

我们必须减少不必要的开支。

各种“收入”

Salary 工资

Disposable income 可支配收入

Low income 低收入

Fixed income 固定收入

gross receipt 总收入

peanut 很少的收入

实景对话

I'm broke.我身无分文。

A: Want to go to a movie?

想去看电影吗？

B: l can't. I'm broke.

我去不了，我身无分文

单词点睛broke 破产的，一文不名的

I do have a family to take care of. 我得养家糊口呢。

A: I don't understand why you won't come on the trip with me.

我不明白你为什么不跟我一起去旅行。

B: l do have a family to take care of.

我得养家糊口呢。

还可以说l do have a family to feed.

I do have a family to look after.

How much will it cost me? 那得花费我多少钱？

A: You're going to need a new sink.

你需要一个新的水槽。

B: How much will it cost me?

那得花费我多少钱？

还可以说How much will that run me?

How much will l have to pay for that?

We have to keep an eye on our spending. 我们得留意开支了。

A: Let's go out for dinner tonight.

我们今天晚上出去吃饭吧。

B: I don't think we should. We have to keep an eye on our spending.

我想我们还是不要出去吃了，我们得留意开支了。

词组点晴keep an eye on 留意，密切注视

I'm on a tight budget. 我现在的预算很紧。

A: You should really get those shoes. They're so cute.

你真的应该买那双鞋，非常可爱。

B: l can't. I'm on a tight budget.

我买不了，我现在的预算很紧。

单词点晴tight 严格的

budget 预算

Your money is burning a hole in your pocket.你花起钱来毫无节制。

A: Your money is burning a hole in your pocket.

你花起钱来毫无节制。

B: l know. I really need to save more.

我知道。我真的得多存点钱了。

还可以说You're throwing your money away.

You spend money as if it were going out of style.

像老外一样张口即来

情景对话

Brad: Look, I'm sorry, but we're forgoing bonuses this year.

Man: Can I get anyone dessert?

Gabrielle: Beat it. What?

Brad: It's the economy. Um, our CFO feels we need to do some belt tightening.

Gabrielle: But do you know how much overtime Carlos has pulled? How many trips he's taken? He's killed himself. For god sakes, don’t do this to my jeweler.

Maria: But, Gaby, no one's getting a bonus, not even brad.

Gabrielle: So this was his bonus? A salad and a stuffed chicken breast?

Bradlwy: Look, hopefully next year will be better.

布莱德：听着，很抱歉，但我们今年取消红利了。

侍者：有人需要甜点吗？

加比瑞尔：走开，什么？

布莱德：世道不好，嗯，我们的首席财务总管认为需要缩减支出。

加比瑞尔：但你知道卡洛斯加了多少班吗？出了多少次差吗？他都要累死了，老天，别这样对我的珠宝商。

马瑞恩：加比，任何人都没有红利，布莱德也没有。

加比瑞尔：这就是他的红利？沙拉和鸡胸肉？

布莱德：听着，明年也许会好些的。

——《绝望主妇》(Desperate Housewives)

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