四口之家的预算建议: 理财方式发生了巨变
<p><span word="Victoria">Victoria</span> <span word="Sully">Sully</span>, 33, <span word="is">is</span> <span word="a">a</span> <span word="full">full</span>-<span word="time">time</span> <span word="blogger">blogger</span> <span word="who">who</span> <span word="writes">writes</span> <span word="about">about</span> <span word="money">money</span> <span word="and">and</span> <span word="lifestyle">lifestyle</span> <span word="at">at</span> <span word="lyliarose">lyliarose</span>.<span word="com">com</span>. <span word="She">She</span> <span word="lives">lives</span> <span word="in">in</span> <span word="Brockworth">Brockworth</span>, <span word="Gloucestershire">Gloucestershire</span>, <span word="with">with</span> <span word="her">her</span> <span word="husband">husband</span> <span word="Ben">Ben</span>, <span word="an">an</span> <span word="IT">IT</span> <span word="service">service</span> <span word="manager">manager</span>, <span word="and">and</span> <span word="their">their</span> <span word="two">two</span> <span word="children">children</span>, <span word="six">six</span>-<span word="year">year</span>-<span word="old">old</span> <span word="Bella">Bella</span> <span word="and">and</span> <span word="three">three</span>-<span word="year">year</span>-<span word="old">old</span> <span word="Reuben">Reuben</span>.</p><p>现年33岁的维多利亚·萨利（<span word="Victoria">Victoria</span> <span word="Sully">Sully</span>）是<span word="lyliarose">lyliarose</span>.<span word="com">com</span>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。</p><p><span word="My">My</span> <span word="approach">approach</span> <span word="to">to</span> <span word="money">money</span> <span word="has">has</span> <span word="drastically">drastically</span> <span word="changed">changed</span> <span word="over">over</span> <span word="the">the</span> <span word="past">past</span> <span word="few">few</span> <span word="years">years</span>. <span word="I">I</span> <span word="used">used</span> <span word="to">to</span> <span word="be">be</span> <span word="a">a</span> <span word="spender">spender</span>, <span word="but">but</span> <span word="having">having</span> <span word="children">children</span> <span word="has">has</span> <span word="made">made</span> <span word="me">me</span> <span word="more">more</span> <span word="responsible">responsible</span> <span word="and">and</span> <span word="I">I</span>'<span word="m">m</span> <span word="becoming">becoming</span> <span word="a">a</span> <span word="saver">saver</span>. <span word="Being">Being</span> <span word="in">in</span> <span word="my">my</span> 30<span word="s">s</span> <span word="has">has</span> <span word="also">also</span> <span word="been">been</span> <span word="a">a</span> <span word="wake">wake</span>-<span word="up">up</span> <span word="call">call</span>, <span word="as">as</span> <span word="I">I</span> <span word="realise">realise</span> <span word="I">I</span> <span word="need">need</span> <span word="to">to</span> <span word="save">save</span> <span word="for">for</span> <span word="retirement">retirement</span>. <span word="My">My</span> <span word="New">New</span> <span word="Year">Year</span>'<span word="s">s</span> <span word="resolution">resolution</span> <span word="this">this</span> <span word="year">year</span> <span word="is">is</span> <span word="to">to</span> <span word="save">save</span> <span word="for">for</span> <span word="an">an</span> <span word="emergency">emergency</span> <span word="fund">fund</span>, <span word="and">and</span> <span word="I">I</span>'<span word="ve">ve</span> <span word="also">also</span> <span word="recently">recently</span> <span word="started">started</span> <span word="putting">putting</span> <span word="money">money</span> <span word="away">away</span> <span word="towards">towards</span> <span word="a">a</span> <span word="pension">pension</span>. <span word="I">I</span>'<span word="m">m</span> <span word="starting">starting</span> <span word="to">to</span> <span word="think">think</span> <span word="about">about</span> <span word="the">the</span> <span word="future">future</span> <span word="by">by</span> <span word="budgeting">budgeting</span> <span word="and">and</span> <span word="putting">putting</span> <span word="money">money</span> <span word="aside">aside</span>.</p><p>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。</p><p><span word="One">One</span> <span word="way">way</span> <span word="we">we</span>'<span word="ve">ve</span> <span word="simplified">simplified</span> <span word="taking">taking</span> <span word="care">care</span> <span word="of">of</span> <span word="our">our</span> <span word="finances">finances</span> <span word="is">is</span> <span word="by">by</span> <span word="having">having</span> <span word="a">a</span> <span word="joint">joint</span> "<span word="master">master</span>" <span word="bank">bank</span> <span word="account">account</span>, <span word="where">where</span> <span word="all">all</span> <span word="our">our</span> <span word="income">income</span> <span word="goes">goes</span> <span word="into">into</span> <span word="and">and</span> <span word="all">all</span> <span word="our">our</span> <span word="bills">bills</span> <span word="are">are</span> <span word="debited">debited</span> <span word="from">from</span>. <span word="Previously">Previously</span>, <span word="all">all</span> <span word="the">the</span> <span word="bills">bills</span> <span word="came">came</span> <span word="out">out</span> <span word="of">of</span> <span word="Ben">Ben</span>'<span word="s">s</span> <span word="account">account</span>, <span word="and">and</span> <span word="at">at</span> <span word="the">the</span> <span word="time">time</span> <span word="I">I</span> <span word="worked">worked</span> <span word="less">less</span> <span word="or">or</span> <span word="was">was</span> <span word="on">on</span> <span word="maternity">maternity</span> <span word="leave">leave</span>, <span word="so">so</span> <span word="we">we</span> <span word="relied">relied</span> <span word="solely">solely</span> <span word="on">on</span> <span word="Ben">Ben</span>'<span word="s">s</span> <span word="income">income</span>.</p>
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