雙 11 買太多、這個月又赤字？「超出預算、入不敷出、減少開銷」英文：over budget、in the red、cut back on
2026.11.13文/TutorABC - 線上教育全球領先者
跟同事聊雙 11 買了什麼
同事問你雙 11 買了什麼，花了一大筆錢買的東西，可以說 I splurged on 再接那樣東西。
splurge 花一大筆錢買（犒賞自己）
| I splurged on a new laptop during the 11.11 sale. | 我雙 11 花了一大筆錢買新筆電。 |
| I don't splurge often, but I really wanted these headphones. | 我不常花大錢，但這副耳機我真的很想要。 |
同事可能這樣回
Nice! Did you get a good deal?
不錯耶！有買到划算的價格嗎？
有些東西其實不需要，結帳時沒多想就買了，跟同事說這是 impulse buy。
impulse buy 衝動買的東西
| This jacket was an impulse buy. I didn't really need it. | 這件外套是衝動買的東西，其實不太需要。 |
| Most of my impulse buys happen late at night. | 我衝動買的東西，大多是半夜買的。 |
同事可能這樣回
Same here. I bought three things I didn't plan to.
我也是，買了三樣原本沒打算買的東西。
月中看帳，跟朋友聊
開始用 App 記帳，跟朋友說自己在 track 開銷。
track 記錄、追蹤（開銷）
| I started tracking my spending with an app this month. | 我這個月開始用 App 記帳。 |
| I track every coffee I buy, so I know where my money goes. | 我每買一杯咖啡都會記下來，這樣就知道錢花到哪裡去了。 |
朋友可能這樣回
Which app do you use?
你用哪個 App？
月初自己定了每個月要花多少，月中就花超過了，跟朋友說 over budget。
over budget 超出預算
| I'm already over budget, and it's only the 15th. | 才 15 號，我就已經超出預算了。 |
| I went over budget on food this month. | 我這個月伙食費超出預算了。 |
朋友可能這樣回
November is always the worst.
每年十一月都最慘。
算一算這個月花的比賺的多，跟朋友說 in the red，就是開場提到的帳本紅字。
in the red 入不敷出
| With all the 11.11 shopping, I'm in the red this month. | 雙 11 買了一堆，這個月入不敷出。 |
| I don't want to be in the red again in December. | 我不想十二月又入不敷出。 |
朋友可能這樣回
Same. And Black Friday is coming.
我也是，而且黑五又要來了。
辨析：over budget 和 in the red
over budget 跟自己事先定的預算比，花超過了，帳上可能還有錢；in the red 跟收入比，花的比賺的多，入不敷出。這個月預算 6,000 元、花了 8,000 元，是 over budget；薪水 40,000 元、這個月花了 45,000 元，才是 in the red。
同事約聚餐時
同事約週五去新開的牛排館，想說這個月手頭緊，可以用 tight。
tight （錢）很緊
| Money's a bit tight this month, so a steakhouse is too much for me. | 這個月手頭有點緊，牛排館對我來說太貴了。 |
| Money's always tight before payday. | 發薪日前手頭總是很緊。 |
同事可能這樣回
No worries. We've been eating out a lot lately anyway.
沒關係，我們最近本來就太常出去吃了。
跟同事說這個月沒辦法常出去吃，用 can't afford to 接要做的事。
afford 負擔得起
| I can't afford to eat out every weekend this month. | 這個月我負擔不起每個週末都出去吃。 |
| I can only afford one dinner out this month. | 這個月我只負擔得起出去吃一次晚餐。 |
同事可能這樣回
Let's just do one dinner this month, then.
那這個月就吃一次就好。
跟同事說自己在少花哪一類的錢，cut back on 後面接那一類開銷。
cut back on 減少
| I'm cutting back on online shopping. | 我在減少網購。 |
| I'm also cutting back on subscriptions. | 我也在減少訂閱。 |
同事可能這樣回
Me too. I deleted the shopping apps.
我也是，我把購物 App 都刪了。
跟同事選聚餐地點時，先說自己 on a budget，再說每人大概可以花多少。
on a budget 預算有限
| I'm on a budget. Could we pick somewhere under 500 NT dollars a person? | 我預算有限，可以選每人 500 元以內的地方嗎？ |
| Do you know any good places to eat on a budget? | 預算有限的話，你知道有什麼好吃的地方嗎？ |
同事可能這樣回
Sure. I know a good noodle place.
好啊，我知道一家不錯的麵店。
跟朋友聊年底前的打算
打算在年底前把信用卡帳單一次付完，跟朋友說 pay off。
pay off 繳清、付清
| I want to pay off my credit card before the end of the year. | 我想在年底前把卡費繳清。 |
| It took me three months to pay off my new phone. | 我花了三個月才把新手機的錢付清。 |
朋友可能這樣回
Smart. The interest adds up fast.
聰明，利息累積很快。
整段照著用：同事約週五吃牛排
外國同事 Emma 約你週五去新開的牛排館，這個月已經超支，可以這樣跟她講。
Emma：Want to try the new steakhouse on Friday?
週五要不要去新開的牛排館？
週五要不要去新開的牛排館？
你：I'd love to, but money's a bit tight this month.
我很想去，但這個月手頭有點緊。
我很想去，但這個月手頭有點緊。
你：I splurged on a new laptop during the 11.11 sale, and I'm already over budget.
我雙 11 花了一大筆錢買新筆電，已經超出預算了。
我雙 11 花了一大筆錢買新筆電，已經超出預算了。
Emma：Same here. I bought way too much this year.
我也是，今年買太多了。
我也是，今年買太多了。
你：I'm cutting back on online shopping. I want to pay off my credit card first.
我在減少網購，想先把卡費繳清。
我在減少網購，想先把卡費繳清。
你：I'm on a budget. Could we go somewhere cheaper?
我預算有限，可以去便宜一點的地方嗎？
我預算有限，可以去便宜一點的地方嗎？
Emma：How about the night market?
那去夜市怎麼樣？
那去夜市怎麼樣？
你：Perfect. See you on Friday.
好啊，週五見。
好啊，週五見。
本集單字（10 個）
| 單字 | 詞性 | 中文 | 例句 |
|---|---|---|---|
| splurge | v. | 花一大筆錢買（犒賞自己） | I splurged on a new laptop during the 11.11 sale. |
| impulse buy | n. | 衝動買的東西 | This jacket was an impulse buy. I didn't really need it. |
| track | v. | 記錄、追蹤（開銷） | I started tracking my spending with an app this month. |
| over budget | adj. phrase | 超出預算 | I'm already over budget, and it's only the 15th. |
| in the red | phrase | 入不敷出 | With all the 11.11 shopping, I'm in the red this month. |
| tight | adj. | （錢）很緊 | Money's a bit tight this month, so a steakhouse is too much for me. |
| afford | v. | 負擔得起 | I can't afford to eat out every weekend this month. |
| cut back on | phr. v. | 減少 | I'm cutting back on online shopping. |
| on a budget | phrase | 預算有限 | I'm on a budget. Could we pick somewhere under 500 NT dollars a person? |
| pay off | phr. v. | 繳清、付清 | I want to pay off my credit card before the end of the year. |
小測驗：五題
1. I planned to spend NT$6,000 on food this month, but I've already spent NT$8,000. I'm ___.
A in the red
B over budget
C on a budget
顯示解答
正解：B — 句中預算是 6,000，卻花了 8,000，就是超出預算 over budget。in the red 要跟收入比，句中沒提收入；on a budget 只說預算有限，沒說花超過。
2. I saw these NT$300 earphones at the checkout and bought them without thinking. That was ___.
A an impulse buy
B a splurge
C over budget
顯示解答
正解：A — 結帳時沒想就買，是衝動買的東西 impulse buy。300 元算不上花一大筆錢，不是 splurge；句中沒提預算，看不出 over budget。
3. I want to ___ my credit card before the end of the year, so I won't pay interest.
A afford
B track
C pay off
顯示解答
正解：C — 不想付利息，就要在年底前把卡費繳清 pay off。afford 講負擔得起，track 講記錄，都跟利息無關。
4. Sorry, I can't ___ a 3,000-NT-dollar dinner right now.
A afford
B track
C pay off
顯示解答
正解：A — 現在吃不起 3,000 元的晚餐，用負擔得起 afford。一頓還沒吃的晚餐談不上記錄（track）或付清（pay off）。
5. I spend too much on coffee, so I'm ___ coffee this month.
A tracking
B cutting back on
C splurging on
顯示解答
正解：B — 前面說咖啡花太多，這個月要減少，用 cutting back on。tracking 只是記錄，不會變少；splurging on 是反方向，花更多。
English Shots · 生活英文 Everyday English · by TutorABC · 2026/11/13
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