英文原文
Popular Budgeting Strategies
You might be wondering how much you should spend within each of your budget categories. Unfortunately, there is no right amount to spend in any category for every individual. It's up to you to decide what works for you. There are a variety of philosophies about the best way to budget.
Below are only a few possible strategies. These are some popular ones, but that does not mean they will work best for you. We encourage you to try them out if you like them, but remember that budgeting is an individualized process, so you should be prepared to identify when a change needs to be made.
The 50/20/30 Budget
In the 50/20/30 budget, 50% of your net income should go to your needs, 20% should go to savings, and 30% should go to your wants.
If you've read the Essentials of Budgeting, you're already familiar with the idea of wants and needs. This budget recommends a specific balance for your spending on wants and needs. It also emphasizes the importance of setting money aside for later.
Pay Yourself First
In the “Pay Yourself First” method, the first “bill” you pay every month is to your savings account. Transfer a pre-determined amount into savings at the beginning of the month. After you pay yourself, you should pay your bills, then use the rest however you please.
This method could easily be used in combination with some others listed on this page. However, this method can also be used to keep track of a very simple budget, where you pay for the things you have to, and don't worry about the rest.
Zero-Based Budget
In a zero-based budget, every single dollar of your income is assigned to a specific expense, leaving you with a balance of $0. This method requires you to anticipate all of your upcoming expenses so that you can allot your income to the appropriate expenses.
Be sure to include saving into your plan as well; if you don't plan to "spend" all of your income, you can assign what's left to a "savings expense." This method ensures that you have a plan for each dollar and won't make impulse purchases.
Envelope Budget
In the envelope budget, you put specific amounts of your money into envelopes (physically with cash, or electronically with an app or spreadsheet) representing different budget categories. Once you have exhausted the funds in an envelope, you can no longer spend within that budget category until the next month. If you have remaining funds at the end of the month, you have a few options:
* Roll over the remaining funds into the same envelope the next month, * Transfer the remaining funds for a different envelope, * Put the remaining funds into savings for a later date,
Additional Financial Wellness Resources
Glossary
Need Help?
Type a word or phrase into the search box to find the answers you need.
3451 Walnut Street University of Pennsylvania Philadelphia, PA 19104 Mon, Wed, Thurs, Fri: 9am – 5pm Tue: 10am – 5pm Sat, Sun: Closed
Financial Wellness Footer Menu
* Disclaimers, * Submit a Suggestion,
Footer Menu
* Contact Us, * University of Pennsylvania, * Privacy Policy, * Report Accessibility Issues and Get Help,
©2026 University of Pennsylvania, Philadelphia, PA 19104
中文翻译
热门预算策略
你可能在想每个预算类别应该花多少钱。不幸的是，对每个人来说，没有哪个类别有正确的花费金额。这取决于你决定什么适合你。关于最佳预算方式有多种哲学。
下面只是几种可能的策略。这些是一些流行的策略，但这并不意味着它们最适合你。我们鼓励你如果喜欢就尝试它们，但请记住预算是个性化的过程，所以你应该准备好识别何时需要做出改变。
50/20/30预算
在50/20/30预算中，你净收入的50%应该用于需求，20%用于储蓄，30%用于想要的东西。
如果你读过预算基础，你已经熟悉想要和需要的概念。这个预算建议在想要和需要上花费的特定平衡。它还强调为以后存钱的重要性。
先付给自己
在“先付给自己”方法中，你每个月支付的第一笔“账单”是给你的储蓄账户。在月初将预定金额转入储蓄。在你付给自己之后，你应该支付账单，然后随意使用剩余部分。
这个方法可以轻松地与页面上列出的其他方法结合使用。然而，这个方法也可以用于跟踪一个非常简单的预算，你支付必须的东西，而不担心其余部分。
零基预算
在零基预算中，你收入的每一美元都被分配到特定支出，余额为0美元。这个方法要求你预测所有即将到来的支出，以便将收入分配到适当的支出。
确保将储蓄也纳入计划；如果你不计划“花费”所有收入，你可以将剩余部分分配到“储蓄支出”。这个方法确保你为每一美元都有计划，不会冲动购买。
信封预算
在信封预算中，你将特定金额的钱放入信封（实物现金或电子应用或电子表格），代表不同的预算类别。一旦你耗尽了一个信封中的资金，你就不能再在该预算类别中花费，直到下个月。如果你在月底有剩余资金，你有几个选择：
* 将剩余资金转入下个月同一信封，* 将剩余资金转入不同信封，* 将剩余资金存入储蓄以备后用，
额外财务健康资源
词汇表
需要帮助？
在搜索框中输入单词或短语以找到你需要的答案。
宾夕法尼亚大学沃尔纳特街3451号，费城，PA 19104 周一、周三、周四、周五：上午9点至下午5点 周二：上午10点至下午5点 周六、周日：关闭
财务健康页脚菜单
* 免责声明，* 提交建议，
页脚菜单
* 联系我们，* 宾夕法尼亚大学，* 隐私政策，* 报告无障碍问题并获得帮助，
©2026宾夕法尼亚大学，费城，PA 19104
文章概要
本文介绍了四种热门预算策略：50/20/30预算、先付给自己、零基预算和信封预算，强调预算是个性化过程，鼓励读者尝试并调整以找到适合自己的方法。
高德明老师的评价
用12岁初中生可以听懂的语音来重复翻译的内容：想象一下，你有一些零花钱，你可以用50%买你需要的东西，比如食物和衣服，20%存起来以后用，30%买你想要的玩具或零食。或者，你可以先给自己存点钱，再付其他账单，剩下的随便花。还有一种方法是把每分钱都计划好花在哪里，这样就不会乱花钱。最后，你可以把钱分到不同信封里，比如一个信封买书，一个信封买游戏，花完了就不能再买，直到下个月。这些方法帮你更好地管理钱。
TA沟通分析心理学理论评价：从TA沟通分析心理学角度看，这些预算策略体现了成人自我状态的应用。成人自我状态涉及理性、客观和基于现实的决策，如50/20/30预算通过划分需求、储蓄和想要来促进财务规划，这反映了成人自我状态对信息的分析和结构化处理。先付给自己方法强调储蓄优先，展示了成人自我状态在延迟满足和长期目标设定中的作用。零基预算要求详细分配每一美元，体现了成人自我状态在控制冲动和增强责任感方面的能力。信封预算通过物理或电子分隔资金，强化了成人自我状态在边界设定和自我管理中的实践。这些策略共同支持个体从父母或儿童自我状态转向更成熟的成人自我状态，以优化财务行为。
在实践上可以应用的领域和可以解决人们的十个问题：这些预算策略可应用于个人财务管理、家庭预算规划、教育理财课程、职场财务培训、心理咨询服务、社区支持项目、青少年理财教育、退休规划、债务管理和消费行为干预。它们可以帮助人们解决以下十个问题：1. 控制冲动消费，减少不必要的开支；2. 建立储蓄习惯，增强财务安全感；3. 平衡需求和想要，提高生活满意度；4. 设定明确的财务目标，增强动力；5. 减少财务压力，改善心理健康；6. 提升决策能力，避免盲目跟风；7. 培养责任感，促进家庭和谐；8. 应对突发事件，增强应变能力；9. 优化资源分配，提高效率；10. 支持长期规划，实现人生目标。