Creating A Savings Target 建立储蓄目标
Think about this very important question… How much does it cost to live for an entier year?
每年的消费大概是多少呢？
How much it cost to live will depend on your lifestyle. Where you want to live and the types of things you want to do all effect your cost of living. However every year your cost of living increases because of inflation. How much will it cost for you to live next year? or from ten years from now?
生活消费的多少取决于你的生活方式。你想住在哪里以及你想做什么样的事情都会影响你的生活消费。但是每年你的生活消费都会由于通货膨胀的缘故在不断增加。想知道你下一年的消费是多少吗？或者是十年之后你的消费是多少？
In this project we will create a savings target for our future living expenses after we retire from work. Once completed we will have accomplished the following tasks:
在本项目中，我们将为退休之后的未来生活创建一个储蓄目标。需要完成以下任务：
- Determine an estimated monthly living expense for our own unique living style.
根据个人的生活方式估算一下月生活消费。 - Determine our estimated yearly expenses by factoring non reoccurring expense.
包括非经常性消费估算一下年生活消费。 - Estimate the cost of living in the future based on our life style and current inflation.
根据我们的生活方式和目前的通货膨胀来估算未来的消费。 - Estimate how much money we would need to save based on our living style if we want to retire at a desired age.
若想在所需年龄退休，按照当前自己的生活方式估算我们需要储蓄多少存款。
Use the information on this page to help you estimate your yearly living expenses.
根据本页的通货膨胀信息来估算你的年生活消费。
Cost Comparison of Living Expenses 2010 | 2010年生活消费比较
| Expense Type | 消费类型 | Hefei 合肥 | Beijing 北京 | Increase 增加 |
|---|---|---|---|---|
| 1 bedroom Urban Apartment | 城区1室 | CN¥800.00 | CN¥3,500.00 | 437.5% |
| 1 bedroom Rural Apartment | 城郊1室 | CN¥300.00 | CN¥2,000.00 | 666.7% |
| 3 bedrooms Urban Apartment | 城区3室 | CN¥2,600.00 | CN¥7,500.00 | 288.5% |
| 3 bedrooms Rural Apartment | 城郊3室 | CN¥1,800.00 | CN¥4,500.00 | 250.0% |
| Basic Utilities 85M2 Apartment | 85平米基本公用事业 | CN¥200.00 | CN¥300.00 | 150.0% |
| Internet (6Mbps Unlimited) | 互联网 （6Mbps） | CN¥80.00 | CN¥138.00 | 172.5% |
| 1KG of Rice | 1千克大米 | CN¥12.00 | CN¥7.00 | 58.3% |
| 12 Eggs | 12个鸡蛋 | CN¥11.40 | CN¥11.84 | 103.9% |
| 1KG of Chicken | 1千克肌肉 | CN¥15.50 | CN¥25.00 | 161.3% |
| 1 KG of Apples | 1千克苹果 | CN¥8.00 | CN¥10.00 | 125.0% |
| 1L of Milk | 1升牛奶 | CN¥18.00 | CN¥12.00 | 66.7% |
| Inexpensive Restaurant | 普通餐厅 | CN¥19.00 | CN¥20.00 | 105.3% |
| Mid-Range Restaurant | 中档餐厅 | CN¥75.00 | CN¥120.00 | 160.0% |
| One-way Ticket | 单程票 | CN¥1.50 | CN¥2.00 | 133.3% |
| Monthly Pass | 月票 | CN¥120.00 | CN¥113.36 | 94.5% |
| Monthly Fitness Club Fee | 健身俱乐部月卡 | CN¥200.00 | CN¥250.00 | 125.0% |
| Cinema, Single Admission | 单张电影票 | CN¥50.00 | CN¥75.00 | 150.0% |
| Overall Comparison 整体比较 | CN¥6,310.40 | CN¥18,584.20 | 294.5% |
The average distribution of expenditures for residence of Beijing
北京居民支出平均分配
- Where do you want to live?
你想居住在哪里？ - Is it a large city like Beijing or a regular sized city like Hefei?
是类似北京的大都市还是合肥这样的中小城市？ - Do you want to live in the center of the city (Urban) or outside the city (Rural)?
你想住在城区还是郊区？ - Do you want a small single room apartment or a large 3 bedroom apartment?
你想要单人公寓还是3室的大公寓？ - Looking at the information in the cost comparison chart, how much is the average cost of an apartment based on the decisions you made in questions 1-4?
通过上页生活消费比较表，根据你第1至4题的答案计算你的住房平均消费是多少？ - Now you know how much your apartment will likely cost per month, calculate an estimated cost for groceries based on the graph showing the distribution of expenses for residence of Beijing.
现在你应该对你的住房月平均消费有一定了解了，那么根据上页北京居民平均支出分配图估算日常杂货的消费。 - In your opinion do you think estimating expenses using statistical data to be reliable? There is no wrong answer. Look at the examples showing different arguments.
你认为通过统计数据来估算消费是否可信呢？答案是见仁见智的。看看下面的例证。- Example1: I think you can estimate other expenses using comparisons to other expenses from statistical data. If a person is renting a 3 bedroom apartment they likely have a family, which would mean their expenses for groceries and utilities would also be proportionately higher.
例1：我认为通过统计数据的比较可以估算出其他的消费。如果一个人租了一个3室的住房，很有可能是一个大家庭，也就意味着他们的日常杂货消费和公用事业的消费也会较高。 - Example 2: I don’t think using cost comparisons is accurate. I just want a big apartment for no one else but me. Just because I get a bigger apartment dose not mean I am going to spend more money on groceries than if I rent a single bedroom apartment.
例2：我认为利用花费比较数据计算是不准确的。我就想一个住大房子仅此而已，并不以为着我会在日常杂货方面会消费很多。
- Example1: I think you can estimate other expenses using comparisons to other expenses from statistical data. If a person is renting a 3 bedroom apartment they likely have a family, which would mean their expenses for groceries and utilities would also be proportionately higher.
- How often do you eat at restaurants? Are they expensive restaurants? How much do you think you would spend each month?
你多长时间去一次餐馆？是高档的餐厅吗？每月你大概花多少钱？ - What do you do for leisure and how much would you spend a month?
你的休闲活动是什么？每月大概花多少钱？ - What type of things do you like to buy? Are they expensive designer products? How much do you think you would spend shopping each month?
你经常购买的东西是什么？是名牌吗？每月购物大概花多少钱？
Instructions for creating the Savings Target Spreadsheet
建立储蓄目标电子表格的说明
Table 1: Estimated Yearly Living Costs | 预计每年生活费用
Row 1: Leave blank
第1行：空白
Row 2: Merge Cells B-F and type the title
第2行：合并B-F栏，并输入标题
Row 3: Leave blank
第3行：空白
Row 4: Type the English headings for Columns B-F
第4行：在B-F栏输入英文标题
Row 5: Type the Chinese headings for Columns B-F
第5行：在B-F栏输入中文标题
Row 6-17: Type the expense types in English in Column B and Chinese in Column C
第6-17行：在B栏输入英文的消费类型，在C栏输入中文的消费类型
Row 6-17: In column E enter in 12 for the number of months in a year
第6-17行：在E栏输入月份数字12
Row 6-17: In Column F use a multiplication formula “Column D multiplied by Column E”
第6-17行：在F栏使用乘法公式“D栏乘以E栏”
Row 19: Use the SUM formula to calculate totals for Column D and Column F
第19行：使用SUM公式计算D栏和F栏的总和
Format Row 1-20 Column A-G like the example
照例设计1-20行A-G栏
Table 2: Estimated Future Cost of Living | 未来生活消费预算
Row 22: Leave Blank
第22行：空白
Row 23: Merge Cells C-E and type the title
第23行：合并C-E栏并输入标题
Row 24: leave blank
第24行：空白
Row 25-28: Type the yearly Expense types in Column C and D
第25行：在C栏和D栏中输入年消费类型
Cell E24: Use the SUM formula to calculate the Total of Column F Row 6-17
第24行E栏：使用SUM公式计算F栏第6-17行的总额
Cell E29: Use the SUM formula to find the yearly total including non-reoccurring expenses
第29行E栏：使用SUM公式计算包括费经常性消费的年消费总额
Row 30: Leave blank
第30行：空白
Row 31-33: Type the titles for the various estimates in Column C and D
第31-33行：在C栏和D栏中输入各类预算的标题
Cell E31: Use the inflation formula Pn=P*(1+i)^n to calculate the estimated yearly cost of living at age 65. “P” is your total estimated living costs in Cell E29. You will need to calculate a value for “n”. Subtract your age from 65 to determine in how many years from now you will be 65 years old. “i” is the average inflation rate in China from the last project.
第31行E栏：使用通货膨胀公式 Pn=P*(1+i)^n估算65岁时的年消费情况。“P”是位于第29行E栏的总消费预算，你还需要计算“n”的值。用65岁减去你现在的年龄，即还差多少年到65岁。“i”是在上一个设计中提到的中国平均通胀率。
Cell E32: Use the inflation formula Pn=P*(1+i)^n to calculate the estimated yearly cost of living at age 85.
第32行E栏：使用通货膨胀公式 Pn=P*(1+i)^n预算85岁时的年消费
Cell E33: Use the AVERAGE formula to calculate an average cost of living during your first 20 years of retirement.
第33行E栏：使用AVERAGE公式计算退休后前20年的平均消费
Format Row 22-34 Column B-F like the example
按照以下例证设计第22-24行B-F栏
Table 3: Savings Target | 储蓄目标
Row 36: Merge Cells C-E and type in tittle.
第36行：合并C-E栏并输入标题
Row 37: Merge Cells C-E Use a multiplication formula to multiple Cell E33 by 20. This will provided you an estimated cost of living with inflation for 20 years of retirement starting at age 65.
第37行：合并C-E栏，使用乘法公式将第33行E栏乘以20。之后你将得到从65岁开始退休时之后的20年里在通货膨胀的影响下的生活消费预算。
Format Row 36-38 Column B-F like the example
按照下例设计第36-38行B-F栏
- How much is your Savings Target？
你的储蓄目标是多少？
- Were you expecting your Savings Target to such a high cost?
你预想过你的储蓄目标会如此的高吗？