政府的税收和支出决策可能让人感觉与日常生活相距甚远，但许多预算案宣布的措施将直接影响你和你的钱包。
Tax and spending decisions by the government may feel distant to your everyday life, but many of the Budget announcements will have a direct impact on you and your money.
如果你是一名年龄在18至20岁之间、领取最低工资的工人，你的薪酬将从明年4月起上涨3.9%。
If you are an 18-to-20 year-old earning the minimum wage, your pay will go up by 3.9% from next April.
尽管有所上涨，但这可能低于你的预期。这是因为希利改变了其工党前任雷切尔·里夫斯针对年轻人最低工资上调的做法。
Despite the increase, this may be a lower rise than you had expected. That is because Healey reversed course on how his Labour predecessor, Rachel Reeves, had been uprating the minimum wage for young people.
工党曾承诺取消“歧视性年龄档次”，这本会使18岁以上所有人的最低工资实现统一。今年，18至20岁人群的涨幅将与年长工人持平，这意味着差距将继续存在。因此，对于18至20岁人群，你的时薪将升至11.27英镑，而20岁以上人群的最低时薪为13.21英镑。
Labour had promised to do away with "discriminatory age bands", which would have equalised the minimum wage for everyone over 18. This year, 18-20 year-olds will see the same increase as older workers, meaning the disparity will remain. So for 18-to-20 year-olds, your pay will rise to £11.27, while over-20s will be paid a minimum of £13.21 an hour.
令人难以置信的是，正如经济学家本·扎兰科所指出的，这一涨幅还意味着，一名21岁、在2023年后贷款助学、按最低工资标准全职工作的人，收入将达到2.5万英镑的还款门槛，超过该门槛的部分将开始按9%的比例偿还。
Incredibly, the increase also means a 21-year-old working full time on the minimum wage who took out a student loan after 2023 will earn enough to meet the £25,000 repayment threshold, over which they will start paying back 9% of their earnings, as noted by economist Ben Zaranko.
预算案包含帮助民众踏上住房阶梯的计划，其中包括推出“首次购房者个人储蓄账户”（First Time Buyer Isa）。这是一个储蓄账户，储户可在其中积累首付，政府每年将对最高4000英镑的存款给予25%的奖励。
The Budget contained plans to help people get onto the housing ladder, including the introduction of a "First Time Buyer Isa". This is an account in which savers can build up a deposit, with the government topping up contributions of up to £4,000 each year with a 25% bonus.
这一新型储蓄账户将于2029年推出，取代现有的“终身个人储蓄账户”（Lifetime Isa），后者因对购买超过45万英镑上限房产者施加严厉惩罚而备受批评。
The new savings account will be introduced in 2029, replacing the existing Lifetime Isa, which has been criticised by some for imposing harsh penalties on those buying homes for more than the £450,000 cap.
上限将保留，但新的“首次购房者个人储蓄账户”将确保储户在提取资金时不会因损失自有资金而受罚。现有“终身个人储蓄账户”提取资金的罚款也将下调，以回应关于储户受罚的担忧。
The cap will remain, but the new "First Time Buyer Isa" will ensure savers are not penalised by losing their own money when making withdrawals. The penalty for withdrawals from existing Lifetime Isas will be lowered, too, to address concerns about savers being punished.
政府此前已公布一项价值47亿英镑的英格兰首次购房者计划，名为“Your First Home”（你的第一套住房）。该计划旨在帮助7万名个人和夫妇踏上住房阶梯。该计划将允许人们以2.5%的首付购买新建住宅，并将提供一笔相当于房产价值20%的贷款，以帮助支付购房款。
The government had already revealed a £4.7bn scheme for first-time buyers in England dubbed Your First Home. It is aiming to help 70,000 individuals and couples get on the housing ladder The scheme will allow people to buy a new-build home with a deposit of 2.5%. It will provide them with a loan worth 20% of their property's value to help pay for the purchase.
该贷款在伦敦以外地区上限为11万英镑，在伦敦上限为14万英镑，旨在帮助那些无法获得“父母银行”资助、但希望踏上住房阶梯的人群。
Capped at £110,000 outside London and £140,000 in the capital, it is aimed at those hoping to get on the housing ladder without help from "the bank of mum and dad".
如果你是100多万名未就业、未上学、未接受培训（Neet）的18至24岁年轻人之一，周三的预算案可能让你看着很沮丧。
If you are one of more than a million 18-to-24 year-olds not in employment, education or training (Neet), Wednesday's Budget may have been a frustrating watch.
财政大臣承认年轻人面临的危机规模，但表示解决方案尚未到来。部长们正在等待艾伦·米尔本（Alan Milburn）的一系列建议，后者一直在调查为何英国有如此多年轻人处于Neet状态。
The chancellor acknowledged the scale of the crisis facing young people, but said solutions would not come yet. Ministers are waiting on a series of recommendations from Alan Milburn, who has been looking into why so many young people are Neet in the UK.
米尔本警告称，由于这场危机，英国“面临失去一代人的风险”，并表示需要“一轮弹药”而非“灵丹妙药”。他将于今年晚些时候向政府提出建议。
Milburn has warned Britain is "at risk of a lost generation" due to the crisis, saying a "round of ammunition" is needed rather than a silver bullet. He will make recommendations to the government later this year.
另一个被搁置的群体是背负未偿还学生贷款的人群，特别是2012年至2023年间借出的备受争议的“计划2”贷款——许多人担心他们永远无法偿清。
Another group left hanging were those with outstanding student loans, particularly the controversial Plan 2 loans taken out between 2012 and 2023 - which many fear they will never be able to pay off.
如果你有学生贷款，政府表示正在研究改革还款制度的方法。但在预算案中并未采取行动，尽管此前外界预期该问题可能会得到解决。
If you have student loans, the government has said it is looking at ways to reform the repayment system. But action was not forthcoming at the Budget, despite expectations in the run up that the issue might be addressed.
发表声明后，财政部首席大臣艾玛·雷诺兹（Emma Reynolds）表示，贷款还款制度“正在审查中”。
After the statement, Chief Secretary to the Treasury Emma Reynolds said the loan repayment system is "under review".
她对英国广播公司（BBC）表示：“我们继承了一个对年轻人来说困难且不公平的制度，但我们今天无法在该问题上推进。”如果你是希望在英格兰创业的年轻人，预算案为你带来了好消息。
"We inherited a system that is difficult and unfair on young people, but we weren't able to move on that today," she told the BBC. If you are a young person hoping to start a business in England, the Budget contained good news for you.
财政大臣希望为拥有亮眼创意但可能不像其他人那样拥有家庭财力支持的年轻企业家创造公平竞争的环境。
The chancellor wants to level the playing field for young entrepreneurs who have bright ideas, but who might not have the same family financial backing as others.
为鼓励更多年轻人创办自己的企业，政府将在英格兰试行“青年企业家津贴”。
In an attempt to encourage more young people to start their own businesses, the government will pilot a "Young Entrepreneurs Allowance" in England.
该津贴将在您的企业运营第一年由政府部分承担您的生活成本。希利希望这能鼓励更多年轻人迈出这一步，成为企业家。不过，目前该计划的细节尚不详尽，仅知将“很快”推出。
The allowance will see your living costs partly covered by the government for the first year your business is operating. Healey hopes it will encourage more young people to take the plunge and become entrepreneurs. Details of the scheme are thin at the moment, however, only that it will be rolled out "shortly".