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.

我们通过开办一个联合master账户简化了财务，我们的收入都在这张卡里，账单也从这张卡里支出。之前，所有的账单都从本的账户中支出。有段时间我没怎么工作，且休产假那段时间，一家人都指着本的收入生活。

I had no access to his account and had to constantly ask Ben to tell me what had gone out, how much money we had left and get him to transfer me money whenever I needed it. Our finances were all over the place and Ben wasn't the best at keeping track of it all. When we got a joint account, I took over the finances by tracking our income, bill payments and budgeting for our spending.

我没有他的账户密码，不得不经常让本告诉我支出了多少、剩余多少，需要钱的时候，还得让他给我转账。我们各处都有开支，而本却不擅长管理账单。当我们开办了联合账户时，我通过查看收入、账单支出及预算管理我们的财务。

Budgeting also ensures we stick to our monthly income and save money, too. I use a spreadsheet to list our income and monthly outgoings so we can see what's left once all our direct debits have gone out. Our outgoings list will also include a payment to our savings account to ensure we save some money each month.

预算也是确保我们不做月光族并有所积蓄的一个方式。我用电子表列出我们的收入及每月支出，以方便查看剩余金额以及扣款情况。我们的支出清单也包括储蓄支出，以保证每月都有存款。