07 理财（6 / 7）

julie: about three onths i fd it&039;s very eful to give a full-on reality check and ake know where y oney goes i&039;ll see which the unnecessary expenditure is and then reduce waste gradually i kickstarted y “spend less, save ore” fancial pn

朱莉：大概有3个月了。我发现记账有利于对账，让我知道我的钱花在哪方面了。我会看到哪些是不必要的开支，然后减少浪费。渐渐地，我就开始了“少花钱，多节省”的理财习惯。

aggie: oh, i got it it unds not bad

麦琪：哦，我知道了。这个理财习惯听起来不错。

notes

1 rough idea 大致的想法；大体的意思

2 centive [&039;sentiv] adj 刺激的；鼓励的；n 刺激；鼓励；动机

3 aount book 账簿

4 keep track of 跟上……的进展；记录；保持和……的联系

5 full-on [ful&039;?n] adj 最典型的，最强烈的

6 reality check 现状核实；提醒人面对现实的事件

7 kick-start [&039;kik?sta:t] v 启动，脚踩发动；n 起动踏板

8 fancial p 财政计划，财务计划

小贴士

you can do a better job of keepg track of your oney once you fd where it&039;s gog is it hard for you to keep track of where your oney is gog? try onle aount for great graphg technology that onitors your fances do you know what onle aount is? it&039;s a written budt on the ter it keeps you on track and gives you a visual representation of your overall fancial picture there are any websites offerg such kd of services and even givg you a free credit report

记账是个好习惯，你可以通过记账发现自己的钱花在哪些方面。你是不是觉得记账很困难呢？你可以尝试一下网上记账，它能够提供管理财务的强大制图技术。什么是网上记账？它是写在网络上的财务预算，使你能够对自身的财务状况有一个非常直观的认识。现在有很多网站都提供这样的服务，甚至还提供免费的信用报告。

繁琐的贷款

dialogue

karl wants to buy a car but his oney is not enough, he decides to ask the bank for help

卡尔想买一辆车，但他的钱不够，所以他决定求助于银行。

bank clerk: good orng, sir what can i do for you?

银行职员：早上好，先生。您需要办理什么业务？

karl: i want to borrow o hundred thoand yuan does your bank have such loan pn?

卡尔：我想贷20万元。请问贵行有这类贷款计划吗？

bank clerk: oh, yes can you tell what would you like to e it for?

银行职员：哦，有的。能告诉我你贷款是做什么用吗？

karl: i want to buy a car to facilitate y life,but i don&039;t have enough oney

卡尔：我想买辆车以方便生活，但是我现在还没有足够的钱。

bank clerk: i see would you d t