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1、外文翻译FamilyFinancialManagement—PlanningfortheFutureMaterialsource：TheUniversityofArizonaCooperativeExtensionAuthor:DenYelleBaeteKenyonandLynneM.BordenFinancialplanningisimportanttomaintainingastablefinancialhousehold.Goodfinancialplanningandachievingf
2、inancialstabilitywillalsohelptopreventfinancialcrisis.First,thisfactsheetwillhelpyoucreateabudgetinordertoexaminewhichhouseholdexpensescouldbereduced,sothatyoucansetgoalstolimityourspending.Next,youwilllearnhowtosetdebtreductionandsavingsgoals.Finall
3、y,afterexaminingyourexpensereduction,debtreduction,andsavingsgoals,youwillbepreparedtodevelopaspendingplan.Creating(andstickingto)abudgetandspendingplanwillassistinattainingfinancialstability.FamilyMoneyManagementYouarenotalone!Financialproblemsareac
4、ommonproblemintoday’ssociety.Financialtroublessuchasfallingbehindinpayingthebills,accumulatingcreditcarddebt,orbeingforcedtoputasecondmortgageonahousehappentopeopleeveryday.Areyoufacedwiththefinancialdisappointmentsofnotbeingabletoaffordthatnewcarorv
5、acation,ornotbeingabletopurchaseahousebecauseofcreditproblems?Isthereconstantfightinginyourhouseholdaboutfamilymembers’spendinghabits?Haveyoubeenputtingoffsavingmoneyforemergenciesorforlong-termgoalssuchasyourchild’scollegeoryourretirement?Ifyouransw
6、ertoanyofthesequestionsisyes,thefollowinginformationwillbehelpfultoyou.Youcanpreventfinancialcrisisbybeingorganizedandpreparedwithyourfinances.Thebestwaytoachievefinancialstabilityistocreateabudgetanddevelopaspendingplantogetridofdebtandsavemoney.Fin
7、ancialstabilityisachievedwhenyouareabletomeetday-to-dayfinancialobligations,whichincludeestablishingasavingsplan,reducingdebttoacontrollablelevel,andestablishinganemergencyfundequalto3-6months’livingexpenses(CSREES,2002).Thekeystosuccessfulfinancialp
8、lanningaregoodrecordkeepingandtheconsistentimplementationofyourplans.CreatingaBudgetTheactofcreatingabudgetwillallowyoutoseeyourcurrentfinancialstatus,aswellasallowyoutoseewhereexpensescanbecutback.Thefirststepistoorganizeallofyourfinancialinformatio
