首先分享几个常见的金融方面的专业表达：
1. joint account 联合账户
一个银行账户由两个人或多个人共享，其中的每一个人都可以使用并且对账户做出其他的决定。
One of the most diffficult parts of being married was learning how to manage a join account.
结婚后最难事情之一就是学会如何管理联合账户。
2. paycheck 工资支票
Experts recommend trying to save 20% of each paycheck for retirement and unexpected expenses.
专家建议存20%的工资为养老或其它意外的开支。
3. balance 账户的余额
The balance shows that we still have a few hundred dollars, but remember that we filled up the tank earlier this week and those aren’t reflected in the balance yet.
余额显示我们还有几百刀，但是记着我们这周早些时候还给车加油了，这些并没有体现在余额当中。
4. monthly expenses 月度开销
Please create a budget showing your average monthly expenses for housing, utilities, transportation, food, and entertainment.
请做个预算，把你的房屋，水电，交通，食物和娱乐活动的月度开销列出来。
如何用英语描述自己的财政收支
接下来分享关于“花销”的表达：
1. cover 足以支付
When Janet's baby was born, she had to get a second job to cover the cost of daycare.
当Janet生完孩子后，她必须去找第二份工作来支付托儿所的费用。
2. withdraw 取钱
Please go to the bank and withdraw $200 from our account.
请去银行从我们的账户取200美元出来。
3. splash the money
花钱大手大脚，尤指花在不必要且很昂贵的东西上
We were tempted to splash the cash on a new luxury car, but in the end, we decided to keep driving our old car for a few more years.
我们受了诱惑准备花钱买一辆豪华车，但最后，我们决定继续再开我们的旧车几年。
4. pinch pennies
精打细算；省吃俭用
When we were first married we had to pinch pennies just to get by.
我们刚结婚时不得不精打细算才得以勉强维持生计。
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