If we were below budget, we discuss why. If we were over budget, we review our expenses to determine what happened. 无论是低于预算还是超出预算，我们都会找出原因。

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. 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，

This includes categories where we are going to reduce spending and others where we are going to increase our spending. 包括讨论哪些部分要削减开支而哪些要增加。

When this task is done, we have an agreed-upon budget for the upcoming year. 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. 如果你已成家，记住要一起来完成这些过程。

A budget is something both parties in the relationship must understand, agree to, and be committed to following. 预算必须要由双方共同理解，同意并努力遵守。

Now let's take a look at how to Evaluate 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. 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。

I seek his opinion on the market conditions and changes we need to consider to meet my financial objectives. 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。

We discuss my current income, special financial needs in the next 12 months, and my current risk tolerance. 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. 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。

My goal is to get their input on our current market conditions and learn what their plan is for the upcoming year. 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。

As part of my year-end financial review, I set my net-worth goals for the upcoming year. 我年终财务审查的一部分是为来年设立净值目标。

This includes the amount of money I am committed to saving and the results I expect to achieve with my investments. 这包括我所有努力省下的钱以及投资的预期收入。

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。

Here's my challenge to you. Block out a full day between now and the end of the year to work on your financial goals and plan for 2011. 以下是我要向你发起的挑战。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。

As part of your plan, make sure you have a household budget that includes savings for future needs. 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。

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. 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。

And remember,proper money management is the foundation to asset accumulation. 恰当的管理方法是积累财富的基础