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My wife and I sit down and review this report, line item by line item, and discuss each one. If we were below budget, we discuss why. If we were over budget, we review our expenses to determine what happened.
我和妻子一起审查报告，一项一项划出来，一项一项地讨论。无论是低于预算还是超出预算，我们都会找出原因。
Establishing a new budget for a new year
新年新预算
After we discuss our plans and goals for the upcoming year, we go back over the report to guide us as we create a new budget for the upcoming year. This includes categories where we are going to reduce spending and others where we are going to increase our spending. When this task is done, we have an agreed-upon budget for the upcoming year.
讨论了来年的计划和目标后，我们会回过头来再利用这份报告指导我们做出来年的新预算，包括讨论哪些部分要削减开支而哪些要增加。完成这一步后，我们就完成了一份双方同意的来年新预算。
If you are married, be sure to go through this process together. A budget is something both parties in the relationship must understand, agree to, and be committed to following.
如果你已成家，记住要一起来完成这些过程。预算必须要由双方共同理解，同意并努力遵守。
Evaluating the performance of assets
评估资产运行情况
While I monitor the performance of my assets throughout the year, I always do a complete review and evaluation each December.
每当我审查全年的资产运行状况时，我经常在每年的十二月份组一个全面审查和评估。
As part of this evaluation process, I meet with my financial advisor who manages a part of my investment portfolio. I seek his opinion on the market conditions and changes we need to consider to meet my financial objectives. We discuss my current income, special financial needs in the next 12 months, and my current risk tolerance.
作为审查过程的一部分，我会与我的财政顾问会面，因为他管理着我的部分投资组合。我向他咨询市场上的风云变化，并以此考虑为实现财政目标要做的改变。我们会讨论我当前的收入，来年的特殊财政需求以及我当前的风险容忍度。
In addition, I seek the counsel of some wise friends whom I respect and trust. My goal is to get their input on our current market conditions and learn what their plan is for the upcoming year.
此外，我还会从一些机智的朋友那里寻求建议，我尊重他们，信任他们。我的目标是得知他们在当前市场情况下的投入并了解他们来年的计划。
When this process is completed, I make my final decisions and put together my investment plan for the new year.
完成这一步后，我会作出决定，整合来年的投机计划。
Setting financial goals for the new year
为来年设立财政目标
As part of my year-end financial review, I set my net-worth goals for the upcoming year. This includes the amount of money I am committed to saving and the results I expect to achieve with my investments. I put these goals in writing, follow my plan, and monitor my results throughout the year to make sure I am on the right track.
我年终财务审查的一部分是为来年设立净值目标。这包括我所有努力省下的钱以及投资的预期收入。我把这些目标写下来，有计划地实行，审查全年收益。通过这些以确保我没有走偏路。
My Challenge to You
我对你的挑战
Block out a full day between now and the end of the year to work on your financial goals and plan for 2011. As part of your plan, make sure you have a household budget that includes savings for future needs. If you did not follow a budget for 2010, read Become the Captain of Your Financial Ship and make the commitment to start in 2011.
从现在到年末，拿出一整天来为2011年设立财政目标，制定计划。作为计划的一部分，确保你的家庭预算包含了为未来之需的存款。如果你在2010年没有遵循预算，那就读读这篇文章——做自己财务的掌权人。然后下定决心从2011年开始遵循预算。
Proper money management is the foundation to asset accumulation.
恰当的管理方法是积累财富的基础
What type of financial decisions do you make at the end of each year? How do you put together your financial plan for the upcoming year? Please share your insights and ideas in the comment section below this post.
每年年末你会做什么样财政决定？你是怎样整合来年财政计划的？请在文章后面的评论栏分享你的观点。
