Task 21 A budget( 预算 ) is a spending plan. It can help you spend money wisely. It can do this by cutting out wasteful spending. Of course, preparing a budget takes planning, and following a budget takes willpower( 自制力 ). Your budget should meet your family’s needs and income. The first step is creating a budget is to set your goals. What does your family need and want? You must know all that to work out the details of the budget. Never spend more than you can. Then decide which goals are the most important. The next step is estimating family income. Before you can plan wisely, you need to know how much money you have to spend! Write down all the money you expect to receive (wages,savings, interests), it is time to estimate expenses. List all of your family expenses. If you are not satisfied with what you have got for your money, look carefully at your spending. Studying your records will show overspending has occurred. It will also point out poor buying habits. It is also a good idea to set aside small amount of money for emergencies. Every family has small emergencies: a blown tire, a broken device, or the need for medical care. 101. According to the passage,what is the advantage of a budget?