Step 1: Add up income
Add up all your income.
第一步：算下收入
将所有收入都加起来，计算出总数。

Step 2: Divide by months it took to earn
Divide the total by the number of months it took you to earn it. The result is your monthly income.
第二步：将挣钱总数按月平分
将总收入总数除以挣钱的月数，结果就是你每月的收入。

Step 3: Add up monthly expenses
Add up your essential monthly expenses, like food, rent, transportation, and personal necessities.
第三步：计算出每月的总花销
计算出每月的必需品花销，比如食物，租金，交通和个人日用品的花费。

Step 4: Add up nonessential spending
Next add up your nonessential monthly spending.
第四步：计算出非必要的花销
下一步计算出每月的非必要的花销。

Step 5: Add up expenses
Now add up your expenses, and pray the total is lower than your monthly income. If your expenses exceed your income, you’ll need to cut back on nonessential items.
第五步：计算出总的花销
计算出总的花销，祈祷花销总数低于你的月收入吧。如果花销超过月收入，你需要减少非必需品的开销。

Step 6: Stick to numbers
Once your numbers are set, stick to them! Discipline is the key to living on a budget.
第六步：坚持预定的花销
一旦制定出了花销的数目，就要坚持。原则是精打细算的关键。

Tip:Try to set aside a small portion of your income on a regular basis—make sure to deposit it in a secure savings institution.
小贴士：试着每月都节省出一小部分收入——要确保将这些钱存入安全的机构。

Step 7: Take public transportation or carpool
Take public transportation, or carpool with friends to save on gas. Walking is free, and it’s great exercise!
第七步：乘坐公共交通或拼车
乘坐公共交通或者和朋友拼车来节省油钱。走路是不需要花钱的，而且是很好的运动。

Step 8: Be frugal
Be frugal. Stop buying brand name clothes and fancy foods. Stop drinking lattes. Don’t order takeout.
第八步：要节约
要节约。不要买名牌的衣服和高档的食品。不要喝拿铁咖啡(意大利浓缩咖啡与牛奶的经典混合)。不要叫外卖。

Tip:Instead of buying napkins, wipe your mouth on your sleeve.
小贴士：别买餐巾了，用袖子擦嘴吧。

Step 9: Buy secondhand
Buy anything you can secondhand. Thrift stores often sell household goods and perfectly good used clothing.
第九步：买旧货
只要是能买到的，就买旧货。旧货店经常卖家庭用品和保存得很好的旧衣服。