finances

简明释义

英[/ˈfaɪnæns/]美[/ˈfaɪnæns/]

n. 资产；财源

英英释义

单词用法

同义词

反义词

例句

1.No matter how carefully you plan your finances, no one can predict when the unexpected will happen.

无论你多么仔细地计划你的经济收入，没有人能预测什么时候会发生意想不到的事情。

2.Moving house put a severe strain on our finances.

搬家使我们的经济十分紧张。

3.These repayments are putting a strain on our finances.

偿还这些债务对我们的财务状况形成了压力。

4.He had asked her once again about her finances. And again she had equivocated.

他又问了一次她的财务状况。她再次含糊其辞。

5.Almost 80% of those in the 1994 survey could complete everyday activities ranging from eating and dressing unaided to complex tasks such as cooking and managing their finances.

在1994年的调查中，他们中近80%能够完成日常的活动，从独立吃饭、穿衣到完成像做饭、理财这样的复杂任务。

6.Tackle your finances head on.

你的财务处理。

7.Buying the new equipment left a big hole in the company's finances.

购买新设备给公司的财政造成了一个大洞。

8.This will strain public finances.

这将危害公共财政。

9.It's not just about finances.

这不仅仅关乎财务状况。

10.She decided to hire a consultant to help her manage her finances.

她决定雇佣一个顾问来帮助她管理她的财务。

11.It's essential to keep track of your finances to avoid overspending.

跟踪你的财务以避免超支是非常重要的。

12.He created a budget to better understand his finances.

他制定了预算，以更好地理解他的财务。

13.The company is struggling with its finances this quarter.

这家公司本季度在财务上遇到了困难。

14.She took a course on personal finances to improve her financial literacy.

她参加了一门个人财务课程，以提高她的财务素养。

作文

Understanding personal and business finances is crucial for anyone looking to achieve financial stability and success. Finances refer to the management of money, including the processes of saving, investing, and budgeting. By grasping the fundamentals of finances, individuals can make informed decisions that lead to long-term prosperity. In today’s fast-paced world, many people find themselves overwhelmed by their financial situations. Whether it’s student loans, credit card debt, or simply the high cost of living, managing finances can seem daunting. However, taking control of one’s finances begins with understanding income and expenses. Creating a budget is an essential step in this process. A budget allows individuals to track their income and expenditures, ensuring that they live within their means and save for future goals. Moreover, understanding the importance of saving is vital. Many financial experts recommend setting aside at least 20% of one’s income for savings. This practice not only provides a safety net for unexpected expenses but also helps build wealth over time. Savings can be directed towards various goals, such as buying a home, funding education, or preparing for retirement. In essence, effective management of finances involves prioritizing savings alongside daily expenses. Investing is another critical aspect of finances. It allows individuals to grow their wealth over time by putting their money to work. There are various investment vehicles available, including stocks, bonds, and real estate. Each comes with its own risks and rewards, so it is essential to do thorough research before making investment decisions. Diversifying investments can help mitigate risk and enhance potential returns, making it a smart strategy for managing finances. On a larger scale, businesses also need to manage their finances effectively. Financial planning is essential for companies to ensure they have enough capital to operate and grow. This includes budgeting for operational costs, forecasting revenue, and managing cash flow. A solid understanding of finances enables businesses to make strategic decisions, such as when to expand, hire new employees, or invest in new technologies. Furthermore, businesses must also be aware of their financial obligations, including taxes and debts. Properly managing these obligations is critical to maintaining a healthy financial status. Failure to do so can result in severe consequences, such as bankruptcy or legal issues. Therefore, having a clear grasp of finances is indispensable for any business owner. In conclusion, whether for personal or business purposes, mastering finances is essential for achieving financial health and success. By creating budgets, saving diligently, and investing wisely, individuals can take charge of their financial futures. Similarly, businesses that prioritize financial management can navigate challenges and seize opportunities for growth. Ultimately, a strong foundation in finances empowers individuals and organizations alike to thrive in an ever-changing economic landscape.

理解个人和企业的财务对于任何希望实现财务稳定和成功的人来说都是至关重要的。财务指的是对金钱的管理，包括储蓄、投资和预算的过程。通过掌握财务的基本知识，个人可以做出明智的决策，从而实现长期繁荣。 在当今快节奏的世界中，许多人发现自己被财务状况所压倒。无论是学生贷款、信用卡债务，还是生活成本高昂，管理财务似乎都令人生畏。然而，掌控自己的财务始于了解收入和支出。制定预算是这一过程中的重要一步。预算使个人能够跟踪他们的收入和支出，确保他们在经济能力范围内生活，并为未来的目标储蓄。 此外，理解储蓄的重要性也是至关重要的。许多财务专家建议将至少20%的收入用于储蓄。这种做法不仅为意外开支提供了安全网，还帮助随着时间的推移积累财富。储蓄可以用于各种目标，例如购买房屋、资助教育或为退休做准备。从本质上讲，有效管理财务涉及优先考虑储蓄与日常开支。 投资是财务的另一个关键方面。它允许个人通过让他们的钱发挥作用来随着时间的推移增加财富。有各种投资工具可供选择，包括股票、债券和房地产。每种工具都有其自身的风险和回报，因此在做出投资决策之前进行彻底研究是至关重要的。多样化投资可以帮助降低风险并提高潜在回报，使其成为管理财务的明智策略。 在更大范围内，企业也需要有效管理其财务。财务规划对于公司确保有足够的资本来运营和发展至关重要。这包括预算运营成本、预测收入和管理现金流。对财务的扎实理解使企业能够做出战略决策，例如何时扩张、招聘新员工或投资新技术。 此外，企业还必须意识到其财务义务，包括税收和债务。妥善管理这些义务对维持健康的财务状况至关重要。未能做到这一点可能会导致严重后果，例如破产或法律问题。因此，对于任何企业主来说，清楚掌握财务是不可或缺的。 总之，无论是个人还是企业，掌握财务对于实现财务健康和成功至关重要。通过制定预算、努力储蓄和明智投资，个人可以掌控自己的财务未来。同样，优先考虑财务管理的企业可以应对挑战并抓住增长机会。最终，坚实的财务基础使个人和组织能够在不断变化的经济环境中蓬勃发展。