以下是一个简单的实现：
```c
#include <stdio.h>
#include <stdlib.h>
#define MAX_MONTHS 12
#define MAX_EXPENSES 6
typedef struct {
float income;
float expenses[MAX_EXPENSES];
float savings;
} MonthlyBudget;
void print_menu();
int get_choice();
void input_budget(MonthlyBudget *budget);
void modify_budget(MonthlyBudget *budget);
void delete_budget(MonthlyBudget *budget);
void save_budget(MonthlyBudget *budget, char *filename);
void load_budget(MonthlyBudget *budget, char *filename);
int main() {
MonthlyBudget budgets[MAX_MONTHS];
int num_budgets = 0;
int choice;
while (1) {
print_menu();
choice = get_choice();
switch (choice) {
case 1:
if (num_budgets == MAX_MONTHS) {
printf("已达到最大记录数！\n");
} else {
input_budget(&budgets[num_budgets]);
num_budgets++;
printf("记录已保存！\n");
}
break;
case 2:
modify_budget(&budgets[num_budgets - 1]);
printf("记录已修改！\n");
break;
case 3:
delete_budget(&budgets[num_budgets - 1]);
num_budgets--;
printf("记录已删除！\n");
break;
case 4:
save_budget(budgets, "budget.txt");
printf("记录已保存到文件！\n");
break;
case 5:
load_budget(budgets, "budget.txt");
printf("记录已从文件中加载！\n");
break;
case 6:
exit(0);
default:
printf("无效的选项！\n");
break;
}
}
return 0;
}
void print_menu() {
printf("请选择操作：\n");
printf("1. 输入记录\n");
printf("2. 修改最新记录\n");
printf("3. 删除最新记录\n");
printf("4. 保存记录到文件\n");
printf("5. 从文件中加载记录\n");
printf("6. 退出程序\n");
}
int get_choice() {
int choice;
printf("请输入选项编号：");
scanf("%d", &choice);
return choice;
}
void input_budget(MonthlyBudget *budget) {
printf("请输入本月收入：");
scanf("%f", &budget->income);
printf("请输入本月食品消费：");
scanf("%f", &budget->expenses[0]);
printf("请输入本月房租：");
scanf("%f", &budget->expenses[1]);
printf("请输入本月子女教育费用：");
scanf("%f", &budget->expenses[2]);
printf("请输入本月水电费：");
scanf("%f", &budget->expenses[3]);
printf("请输入本月医疗费：");
scanf("%f", &budget->expenses[4]);
printf("请输入本月储蓄：");
scanf("%f", &budget->savings);
}
void modify_budget(MonthlyBudget *budget) {
printf("请输入新的本月收入（原值为%f）：", budget->income);
scanf("%f", &budget->income);
printf("请输入新的本月食品消费（原值为%f）：", budget->expenses[0]);
scanf("%f", &budget->expenses[0]);
printf("请输入新的本月房租（原值为%f）：", budget->expenses[1]);
scanf("%f", &budget->expenses[1]);
printf("请输入新的本月子女教育费用（原值为%f）：", budget->expenses[2]);
scanf("%f", &budget->expenses[2]);
printf("请输入新的本月水电费（原值为%f）：", budget->expenses[3]);
scanf("%f", &budget->expenses[3]);
printf("请输入新的本月医疗费（原值为%f）：", budget->expenses[4]);
scanf("%f", &budget->expenses[4]);
printf("请输入新的本月储蓄（原值为%f）：", budget->savings);
scanf("%f", &budget->savings);
}
void delete_budget(MonthlyBudget *budget) {
budget->income = 0;
for (int i = 0; i < MAX_EXPENSES; i++) {
budget->expenses[i] = 0;
}
budget->savings = 0;
}
void save_budget(MonthlyBudget *budgets, char *filename) {
FILE *fp = fopen(filename, "w");
if (fp == NULL) {
printf("无法打开文件！\n");
return;
}
for (int i = 0; i < MAX_MONTHS; i++) {
fprintf(fp, "%.2f,", budgets[i].income);
for (int j = 0; j < MAX_EXPENSES; j++) {
fprintf(fp, "%.2f,", budgets[i].expenses[j]);
}
fprintf(fp, "%.2f\n", budgets[i].savings);
}
fclose(fp);
}
void load_budget(MonthlyBudget *budgets, char *filename) {
FILE *fp = fopen(filename, "r");
if (fp == NULL) {
printf("无法打开文件！\n");
return;
}
for (int i = 0; i < MAX_MONTHS; i++) {
fscanf(fp, "%f,", &budgets[i].income);
for (int j = 0; j < MAX_EXPENSES; j++) {
fscanf(fp, "%f,", &budgets[i].expenses[j]);
}
fscanf(fp, "%f\n", &budgets[i].savings);
}
fclose(fp);
}
```
该程序定义了一个 `MonthlyBudget` 结构体，用于保存每月的收入和支出情况。程序提供了以下操作：
1. 输入记录：根据用户输入创建新的 `MonthlyBudget` 对象，并将其添加到数组中。
2. 修改最新记录：修改最新的 `MonthlyBudget` 对象。
3. 删除最新记录：将最新的 `MonthlyBudget` 对象的所有值都设置为0。
4. 保存记录到文件：将所有 `MonthlyBudget` 对象保存到文件中。
5. 从文件中加载记录：从文件中读取 `MonthlyBudget` 对象并覆盖数组中的所有对象。
6. 退出程序：结束程序的运行。
注意，该程序还定义了一些常量，如 `MAX_MONTHS` 和 `MAX_EXPENSES`，用于限制数组的大小。如果需要，可以根据实际需求进行修改。另外，程序中的文件名 `budget.txt` 是硬编码的，也可以根据实际需求进行修改。
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