[Music]
how much did we spend
household expense is a very common topic
regularly mentioned by family members
let's watch the video to see how couples
adjust their living expenses to fulfill
a financial goal
adjust spending to save money
[Music]
have you considered what i talked to you
about yesterday about buying a house and
getting a new car
yeah i have thought about this
we've been renting a house for a long
time
we also saved some money
i think it's time for us to think about
buying a house and getting a new car
so
what is the plan
i did some research
a house now costs around two hundred
thousand to two hundred and fifty
thousand
dollars yeah i calculated
after setting aside an amount for a new
car
we will still have a savings of about
fifty thousand dollars left
if we get a mortgage for the rest in 15
years the monthly mortgage payment will
be about one thousand four hundred
dollars
what do you think
it's okay honey but we will have to
spend a lot more thoughtfully i checked
monthly expenses the other day and was
shocked because of the money we spent to
eat out at the restaurant
yeah the amount i spend on coffee every
day may add up a lot
i think i'll buy a thermos flask to take
coffee from home
my monthly expense for new clothes is
also quite a lot
i need to limit myself to one new
clothing item a month only
[Music]
yes
what other areas do you think we can
also cut back on
not yet for now i think we should do
some budgeting on monthly expenses
i agree
we'll know the fixed amount each month
and then adjust the expense for the rest
okay
let's calculate together now
[Music]
financial planning to prepare for having
a baby
[Music]
honey
there have been bills for this month
already right
does it cost a lot this month
still the same as last month
have you paid yet
yes i did
while mentioning living expenses i want
to discuss your budgeting for monthly
expenses
yeah go ahead i'm listening
we're planning to have a baby next year
so i think from now on we should manage
our expenses more tightly
so that we can save some money to raise
our children
yeah you're right
if we wait until next year to think
about these savings i'm afraid it's a
bit late
yes i think from now on we should cut
down on some unnecessary expenses in the
house
what do you think we can reduce
for example
i will limit the purchase of these
unnecessary cosmetics and perfumes
or you limit buying those new game
consoles
i knew you would mention my gaming
devices
i'm just trying to cut entertainment
costs we won't go out to eat let's eat
from home from now on
else
we'll travel far away only once a year
other than that we should choose a
closer place to reduce costs is that
okay
everything you say makes sense however
i think it's better to find a way to
earn more money instead of having to
budget on everything like that
of course that's the best way but it's
easier said than done
how can we earn more now
i will take on more projects and work
part-time at home in the evenings or on
weekends
is it okay for you
really but you'll be tired from working
all week
no worry i will try to make it right
it's just that the time spent with you
will be a little less
what do you think
okay
i have no problem with that but don't
take on too many projects either
remember it's just for making a little
extra money okay
sure
don't worry
[Music]
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goodbye
{{
[音乐]
家庭开支花了多少钱是家庭成员经常提到的一个很常见的话题
让我们看视频，看看夫妻如何
调整生活费用以
实现财务目标
调整支出以省钱
[音乐]
你考虑过什么 昨天和你
谈过关于买房和买
新车的
事情 是的 我已经考虑过这个
我们已经租了很长时间的房子
我们也存了一些钱
我认为是时候考虑
买房买房了 一辆新车
所以计划是什么
我做了一些
研究现在房子的价格大约在
二十万到二十五万
美元是的，我
在预留了一辆新车的金额后计算，
我们仍然可以节省大约
五万美元 剩下的
如果我们在 15 年后获得抵押贷款，
每月的抵押贷款将
是大约 1400 美元
，你认为
可以吗，亲爱的，但我们将不得不
花很多钱 更周到的
是，前几天我检查了每月的开支，
因为我们花在餐厅吃饭的钱而感到震惊
是的，我每天花在咖啡上的钱
可能加起来很多，
我想我会买一个保温瓶来喝
咖啡 在家里，
我每月购买新衣服的费用
也很多，
我需要限制自己
每个月只买一件新衣服
[音乐]
是的
，你认为我们还可以减少哪些其他领域
，目前我认为我们应该 做
一些每月开支的预算
我同意
我们会知道每个月的固定金额
，然后调整其余的开支
好的，
我们现在一起计算
[音乐] 为生孩子做准备的财务计划 [音乐]
亲爱的
，已经有账单了 这个月
已经
对了 这个月花费很多吗 这个月
还是和上个月
一样 你付了
吗？是的 明年要生孩子，
所以我想从现在开始我们应该
更严格地管理我们的开支
，这样我们就可以节省一些钱来抚养
我们的孩子
是的，
如果我们等到明年再
考虑这些储蓄，你是对的 恐怕
有点晚了
是的 我认为从现在开始我们应该
减少一些不必要的开支
你认为我们可以减少
什么 例如
我会限制购买这些
不必要的化妆品和香水
或者你限制购买那些新的游戏机
我就知道你会提到我的游戏
设备
我只是想减少娱乐
费用我们不会出去吃饭
从现在开始我们在家吃饭
否则
我们每年只会出差一次，
否则我们应该选择一个
更接近于降低成本的地方是，
好吧，
你说的一切都是有道理的，但是
我认为最好找到一种方法来
赚更多的钱，而不是必须
在所有事情上做预算
，当然这是最好的方法，但
说起来容易做起来
难。 我们现在赚的更多了，
我会承担更多的项目，
晚上或
周末在家兼职工作对你来说
真的可以，但是你会因为工作一周而感到疲倦，
不用担心，我会努力让它正确
的 只是和你一起度过的时间
会少
一点你认为
没关系
我对此没有问题但不要
承担太多项目或者
记住这只是为了赚一点
额外的钱好吧
当然
不用担心
[音乐 ]
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