Roland: If we want to save enough money to buy a house, we need to get serious about our finances and do some financial planning. I think the first step is to create a household budget.
罗兰：如果我们想要攒够钱买房，那么我们需严肃地对待收支，并制定理财计划 。我想第一步就是创建一个家庭预算 。
Ginger: Okay by me. You know that I'm all about the bottom line.
金吉：我没问题 。你也知道，只要不触及我的底线就行 。
Roland: Yeah, right. I think we have a pretty good idea of our spending patterns, so it shouldn't be too hard to come up with a budget that we can both live with.
罗兰：是的，对 。我想我们都对自己的消费模式心里有数，所以不难想出一个我们俩都适用的预算 。
Roland: Okay, one thing we need to keep in mind is that we tend to underestimate our monthly expenses. If you look at our discretionary spending on this spreadsheet I created, you'll be surprised at how much money we spend on nonessentials.
罗兰：好吧，有一件事我们需要记在心里，我们往往会低估每月的花销 。如果你来看看我创建的电子表格里可自由支配的个人开支，你会惊讶我们竟然在非必需品上花费了这么多钱 。
Ginger: Okay, I can cut back on nonessentials.
Roland: You can?
Ginger: Sure, instead of getting my nails done every week, I'll get them done only three times a month.
Roland: Well, that's a start…
Ginger: And instead of buying a new 60-inch TV, we can get a 52-inch one instead. That should save us a lot of money.
金吉：还有我们可以不买60英寸的新电视机，而是买52英寸的电视机 。那会为我们节省很多钱 。
Roland: I think you need to do the math. If we don't cut back much more drastically, we'll be ready for retirement by the time we can afford a house!