評論
打印
My wife and I sit down and review this report, line item by line item, and discuss each one. If we were below budget, we discuss why. If we were over budget, we review our expenses to determine what happened.
我和妻子一起審查報告，一項一項劃出來，一項一項地討論。無論是低于預算還是超出預算，我們都會找出原因。
Establishing a new budget for a new year
新年新預算
After we discuss our plans and goals for the upcoming year, we go back over the report to guide us as we create a new budget for the upcoming year. This includes categories where we are going to reduce spending and others where we are going to increase our spending. When this task is done, we have an agreed-upon budget for the upcoming year.
討論了來年的計劃和目標后，我們會回過頭來再利用這份報告指導我們做出來年的新預算，包括討論哪些部分要削減開支而哪些要增加。完成這一步后，我們就完成了一份雙方同意的來年新預算。
If you are married, be sure to go through this process together. A budget is something both parties in the relationship must understand, agree to, and be committed to following.
如果你已成家，記住要一起來完成這些過程。預算必須要由雙方共同理解，同意并努力遵守。
Evaluating the performance of assets
評估資產運行情況
While I monitor the performance of my assets throughout the year, I always do a complete review and evaluation each December.
每當我審查全年的資產運行狀況時，我經常在每年的十二月份組一個全面審查和評估。
As part of this evaluation process, I meet with my financial advisor who manages a part of my investment portfolio. I seek his opinion on the market conditions and changes we need to consider to meet my financial objectives. We discuss my current income, special financial needs in the next 12 months, and my current risk tolerance.
作為審查過程的一部分，我會與我的財政顧問會面，因為他管理著我的部分投資組合。我向他咨詢市場上的風云變化，并以此考慮為實現財政目標要做的改變。我們會討論我當前的收入，來年的特殊財政需求以及我當前的風險容忍度。
In addition, I seek the counsel of some wise friends whom I respect and trust. My goal is to get their input on our current market conditions and learn what their plan is for the upcoming year.
此外，我還會從一些機智的朋友那里尋求建議，我尊重他們，信任他們。我的目標是得知他們在當前市場情況下的投入并了解他們來年的計劃。
When this process is completed, I make my final decisions and put together my investment plan for the new year.
完成這一步后，我會作出決定，整合來年的投機計劃。
Setting financial goals for the new year
為來年設立財政目標
As part of my year-end financial review, I set my net-worth goals for the upcoming year. This includes the amount of money I am committed to saving and the results I expect to achieve with my investments. I put these goals in writing, follow my plan, and monitor my results throughout the year to make sure I am on the right track.
我年終財務審查的一部分是為來年設立凈值目標。這包括我所有努力省下的錢以及投資的預期收入。我把這些目標寫下來，有計劃地實行，審查全年收益。通過這些以確保我沒有走偏路。
My Challenge to You
我對你的挑戰
Block out a full day between now and the end of the year to work on your financial goals and plan for 2011. As part of your plan, make sure you have a household budget that includes savings for future needs. If you did not follow a budget for 2010, read Become the Captain of Your Financial Ship and make the commitment to start in 2011.
從現在到年末，拿出一整天來為2011年設立財政目標，制定計劃。作為計劃的一部分，確保你的家庭預算包含了為未來之需的存款。如果你在2010年沒有遵循預算，那就讀讀這篇文章——做自己財務的掌權人。然后下定決心從2011年開始遵循預算。
Proper money management is the foundation to asset accumulation.
恰當的管理方法是積累財富的基礎
What type of financial decisions do you make at the end of each year? How do you put together your financial plan for the upcoming year? Please share your insights and ideas in the comment section below this post.
每年年末你會做什么樣財政決定？你是怎樣整合來年財政計劃的？請在文章后面的評論欄分享你的觀點。
