Вы услышите 6 высказываний. Установите соответствие между высказываниями каждого говорящего A–F и утверждениями, данными в списке 1–7. Используйте каждое утверждение, обозначенное соответствующей цифрой, только один раз. В задании есть одно лишнее утверждение. Вы можете прослушать запись дважды.
- It is necessary to create saving habits.
- Saving money should pursue actual targets.
- Modern technology helps to save.
- To save or not to save is a personal decision.
- The way of saving depends on priorities.
- The outgoings are recorded.
- Controlling the expenses helps to save money.
The first step I make to save money is figuring out how much I spend. I keep track of all my expenses — that means every coffee, newspaper and snack I buy. Ideally, I can account for every penny. Once I have my data, I organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. I consider using my credit card or bank statements to help me with this.
Once I have an idea of what I spend in a month, I can begin to organize my recorded expenses into a workable budget. My budget should outline how my outgoings measure up to my income. I want to be sure to factor in the sums to be paid that occur regularly but not every month, such as car maintenance. Creating a budget with a template can help me feel more in control of my finances and let me save money for my goals.
Now that I’ve made a budget, I create a savings category within it. I try to put away 10–15 percent of my income as savings. If my expenses are so high that I can’t save that much, it might be time to cut back. To do so, I identify non-essentials that I can spend less on, such as entertainment and dining out. Considering savings a regular expense, similar to groceries, is a great way to reinforce good savings habits.
One of the best ways for me to save money is to set a goal. I start by thinking of what I might want to save for — anything from a down payment for a house to a vacation — then I figure out how long it might take me to save for it. Here are some examples of short-term goals: emergency fund, vacation, down payment for a car. And these are the examples of long-term goals: retirement, the child’s education, down payment on a home or a remodeling project.
After my expenses and income, my goals are likely to have the biggest impact on how I save money. I try to be sure to remember longterm goals — it’s important that planning for retirement doesn’t take a back seat to shorter-term needs. Setting goals can give me a clear idea of where to start saving. For example, if I know I’m going to need to replace my car in the near future, I could start putting money away for one.
Almost all banks offer automated transfers between your checking and savings accounts. I can choose when, how much and where to transfer money to, or even split my direct deposit between my checking and savings accounts. Automated transfers are a great way to save money since I don’t have to think about it and it generally reduces the temptation to spend the money instead. I check my progress every month.