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【2010-03-12，五】ESL Podcast 563 – Reducing Household Expenses
Financial planning can be painful but necessary. Learn more in this episode.
Tags: Daily Life
Audio Index:
Slow dialogue: 1:25
Explanations: 3:30
Fast dialogue: 15:16
Roland: If we want to save enough money to buy a house, we need to get serious about our finances and do some financial planning. I think the first step is to create a household budget.
Ginger: Okay by me. You know that I’m all about the bottom line.
Roland: Yeah, right. I think we have a pretty good idea of our spending patterns, so it shouldn’t be too hard to come up with a budget that we can both live with.
Ginger: Right.
Roland: Okay, one thing we need to keep in mind is that we tend to underestimate our monthly expenses. If you look at our discretionary spending on this spreadsheet I created, you’ll be surprised at how much money we spend on nonessentials.
Ginger: Okay, I can cut back on nonessentials.
Roland: You can?
Ginger: Sure, instead of getting my nails done every week, I’ll get them done only three times a month.
Roland: Well, that’s a start…
Ginger: And instead of buying a new 60-inch TV, we can get a 52-inch one instead. That should save us a lot of money.
Roland: I think you need to do the math. If we don’t cut back much more drastically, we’ll be ready for retirement by the time we can afford a house!
Script by Dr. Lucy Tse
Tags: Daily Life
Audio Index:
Slow dialogue: 1:25
Explanations: 3:30
Fast dialogue: 15:16
Roland: If we want to save enough money to buy a house, we need to get serious about our finances and do some financial planning. I think the first step is to create a household budget.
Ginger: Okay by me. You know that I’m all about the bottom line.
Roland: Yeah, right. I think we have a pretty good idea of our spending patterns, so it shouldn’t be too hard to come up with a budget that we can both live with.
Ginger: Right.
Roland: Okay, one thing we need to keep in mind is that we tend to underestimate our monthly expenses. If you look at our discretionary spending on this spreadsheet I created, you’ll be surprised at how much money we spend on nonessentials.
Ginger: Okay, I can cut back on nonessentials.
Roland: You can?
Ginger: Sure, instead of getting my nails done every week, I’ll get them done only three times a month.
Roland: Well, that’s a start…
Ginger: And instead of buying a new 60-inch TV, we can get a 52-inch one instead. That should save us a lot of money.
Roland: I think you need to do the math. If we don’t cut back much more drastically, we’ll be ready for retirement by the time we can afford a house!
Script by Dr. Lucy Tse
查看节目原文：
https://www.lizhi.fm/1835974/22812051792216582
View all episodes
Financial planning can be painful but necessary. Learn more in this episode.
Tags: Daily Life
Audio Index:
Slow dialogue: 1:25
Explanations: 3:30
Fast dialogue: 15:16
Roland: If we want to save enough money to buy a house, we need to get serious about our finances and do some financial planning. I think the first step is to create a household budget.
Ginger: Okay by me. You know that I’m all about the bottom line.
Roland: Yeah, right. I think we have a pretty good idea of our spending patterns, so it shouldn’t be too hard to come up with a budget that we can both live with.
Ginger: Right.
Roland: Okay, one thing we need to keep in mind is that we tend to underestimate our monthly expenses. If you look at our discretionary spending on this spreadsheet I created, you’ll be surprised at how much money we spend on nonessentials.
Ginger: Okay, I can cut back on nonessentials.
Roland: You can?
Ginger: Sure, instead of getting my nails done every week, I’ll get them done only three times a month.
Roland: Well, that’s a start…
Ginger: And instead of buying a new 60-inch TV, we can get a 52-inch one instead. That should save us a lot of money.
Roland: I think you need to do the math. If we don’t cut back much more drastically, we’ll be ready for retirement by the time we can afford a house!
Script by Dr. Lucy Tse
Tags: Daily Life
Audio Index:
Slow dialogue: 1:25
Explanations: 3:30
Fast dialogue: 15:16
Roland: If we want to save enough money to buy a house, we need to get serious about our finances and do some financial planning. I think the first step is to create a household budget.
Ginger: Okay by me. You know that I’m all about the bottom line.
Roland: Yeah, right. I think we have a pretty good idea of our spending patterns, so it shouldn’t be too hard to come up with a budget that we can both live with.
Ginger: Right.
Roland: Okay, one thing we need to keep in mind is that we tend to underestimate our monthly expenses. If you look at our discretionary spending on this spreadsheet I created, you’ll be surprised at how much money we spend on nonessentials.
Ginger: Okay, I can cut back on nonessentials.
Roland: You can?
Ginger: Sure, instead of getting my nails done every week, I’ll get them done only three times a month.
Roland: Well, that’s a start…
Ginger: And instead of buying a new 60-inch TV, we can get a 52-inch one instead. That should save us a lot of money.
Roland: I think you need to do the math. If we don’t cut back much more drastically, we’ll be ready for retirement by the time we can afford a house!
Script by Dr. Lucy Tse
查看节目原文：
https://www.lizhi.fm/1835974/22812051792216582