دیروز در مورد کاهش هزینه‌ها صحبت کردیم. امروز بیاین بریم سراغ پس‌انداز و بودجه‌بندی. 💵پس‌انداز کرد

دیروز در مورد کاهش هزینه‌ها صحبت کردیم. امروز بیاین بریم سراغ پس‌انداز و بودجه‌بندی. 💵پس‌انداز کردن فقط به معنی save money نیست. وقتی درباره‌ی مدیریت مالی شخصی صحبت می‌کنیم، باید بتونیم درباره‌ی بودجه‌بندی، کنترل هزینه‌ها، زندگی متناسب با درآمد، پس‌انداز برای آینده و مدیریت فشار مالی هم صحبت کنیم.در انگلیسی، عبارت‌های طبیعی زیادی برای این مفاهیم وجود دارن که در پادکست‌ها، مقاله‌های مالی و مکالمات روزمره زیاد می‌شنویم.💳 Live within your meansspend only as much money as you can afford.متناسب با درآمدت خرج کردن📖 It's important to live within your means.📖 She earns a good salary but still tries to live within her means.💡 Collocations:✅ live within your means✅ learn to live within your means✅ choose to live within your means✅ financially live within your means💸 Make ends meethave just enough money to pay for your basic needs.از پس هزینه‌های ضروری زندگی برآمدن📖 It's becoming harder for many families to make ends meet.📖 He works two jobs just to make ends meet.💡 Collocations:✅ struggle to make ends meet✅ barely make ends meet✅ manage to make ends meet✅ find it difficult to make ends meet🏦 Put money asidesave some money instead of spending it.پول کنار گذاشتن📖 I try to put some money aside every month.📖 We're putting money aside for unexpected expenses.💡 Collocations:✅ put money aside✅ put some money aside✅ put money aside for emergencies✅ regularly put money aside🛟 Build a financial cushiongradually save enough money to protect yourself from unexpected financial problems.ایجاد پشتوانه مالی📖 I'm trying to build a financial cushion before moving out.📖 A financial cushion can help you deal with unexpected expenses.💡 Collocations:✅ build a financial cushion✅ maintain a financial cushion✅ create a financial cushion✅ have a financial cushion🚨 Build an emergency fundsave money specifically for unexpected expenses or financial emergencies.پس‌انداز اضطراری ایجاد کردن📖 I'm trying to build an emergency fund that covers three months of expenses.📖 Everyone should have some money in an emergency fund.💡 Collocations:✅ build an emergency fund✅ contribute to an emergency fund✅ emergency savings✅ emergency expenses✅ emergency financial needs📊 Stick to a budgetfollow your spending plan and avoid spending more than you planned.به بودجه پایبند ماندن📖 I'm trying to stick to my budget this month.📖 It's difficult to stick to a budget when you eat out frequently.💡 Collocations:✅ stick to a budget✅ create a budget✅ set a budget✅ realistic budget✅ monthly budget💰 Build up your savingsgradually increase the amount of money you have saved.به‌تدریج پس‌انداز را افزایش دادن📖 I'm trying to build up my savings before I quit my job.📖 It took her several years to build up enough savings.💡 Collocations:✅ build up your savings✅ build up a savings fund✅ gradually build up savings✅ build up retirement savings🧠 Pay yourself firstsave part of your income before spending money on other things.اول برای خودت پس‌انداز کن📖 I follow the "pay yourself first" approach and save 20% of my income.📖 Paying yourself first makes saving a regular habit.💡 Useful collocations:✅ pay yourself first✅ set aside a portion of your income✅ automate your savings✅ save before spending🔄 Automate your savingsarrange for money to be transferred automatically into your savings account.خودکار کردن پس‌انداز📖 I automate my savings so I don't have to think about it every month.📖 Automating your savings can make it easier to reach your financial goals.💡 Collocations:✅ automate your savings✅ automatic savings✅ automatic transfer✅ set up automatic transfers⚖️ Tighten your beltspend less because you have less money available.کم کردن مخارج به دلیل فشار مالی📖 We're going to have to tighten our belts for a few months.📖 With prices going up, many families are having to tighten their belts.💡 Collocations:✅ have to tighten your belt✅ tighten your belt financially✅ tighten your belt for a while