(单词翻译:单击)
定一个可行的计划
We all wish we could save more, spend more wisely, and stick to our budgets--but with the average American hanging on to approximately $8,000 in credit card debt, budgeting is clearly not a priority for most of us. The problem is, saving and sticking to a budget is a lifestyle change, which is why saving money is about as easy as losing weight. But no worries--here are 10 great tips for budgeting and saving your money so that you can start making those changes easily and effectively.
1. Be Realistic:
Make sure your budget is realistic. Giving yourself close to no wiggle room will make following a budget more than miserable, and we all know the harsher the budget is, the less likely you are to stick to it.
定一个可行的计划
保证你的计划是可行的，我们都知道，计划定的越死就越难实现，所以要把定一个可行的计划。
弄清钱的主要流向
2. Recognize Past Habits:
Before making your budget, look at your statements for the month and figure out exactly what all of your money goes towards.
掌握钱的主要流向
在死定计划之前，问自己钱主要是用在什么地方了。
将花费归类
3. Determine Problem Areas:
After you categorize how much money you spend in each area, look at the areas that surprised you the most for where you can save. For example, if you didn't expect that you spent $500 last month on clothing, maybe that's the area you need to concentrate on most in your budget.
将花费归类
在清楚自己每个月的花费之后，将他们进行归类，并弄清楚那个是你花费的主要地方，如果有些地方可以不用花的，记着提醒自己。
适当地调整
4. Make Small Adjustments to Reap Big Rewards:
Make a list of the top three areas where you can save and cut your spending by just 20 percent or less. For example, consider this: if you started shopping at wholesale outlets or farmer's markets, would you be able to lower your grocery bill each month?
适当地调整
找出3个你可以省钱的环节，例如，你可以去集市买菜，这样你的菜钱就可以省下来一下。
控制房贷
5. Take Control of Mortgage Payments:
Is your mortgage a large chunk of your spending? Maybe you bought a house that was a bit over budget. With current mortgage rates at historically low levels, now is the time to refinance and lower your mortgage payment to get your finances under control.
控制房贷
换房贷是不是你主要的支出呢？现在的房贷利率降低了，你可以将这笔钱减少。
多在家里吃饭
6. Learn to Cook:
Is one of your problem areas eating out? Change your lifestyle by buying a few cookbooks, or watching a few cooking shows such as Good Eats to help you learn to enjoy successful cooking at home. The amount of money you'll save in the end from eating in versus dining out is extraordinary.
多在家里吃饭
外出吃饭会花费你很多钱，试着自己做饭吃，学学烹饪，这样会省一点。
网上记账
7. Utilize Technology:
Is it hard for you to keep track of where your money is going? Try mint.com for great graphing technology that monitors your finances. Quizzle.com also offers great tools for keeping track of your home and financial spending and even gives you a free credit report.
网上记账
你是不是发现记账很困难呢？现在有很多网络都提供这样的服务，试着在网上记账吧
自我反省
8. Self Reflect:
If you don't like using web programs to budget, another way to cut spending quickly is to begin writing down every single thing you spend money on for a week straight. This reflective process helps you curb spending and think twice about each purchase.
自我反省
如果网上记账你还嫌麻烦，那么你就一周记一次账，然后看看自己主要把钱花在哪些方面了。
减少购买衣
9. Minimize Your Consumer Clutter:
Do you have a lot of clutter in your home? Oftentimes, buying habits develop from collecting objects that don't really add value to your life. Resist the urge to buy an extra dolphin figurine, and instead save that money for better uses.
减少购买衣服的开销
你家里是不是有很多衣服呢?我们经常会不自觉地去买一些我们不需要的东西，这就是一种浪费。
良好的生活习惯
10. It's More Than a Budget; It's a Lifestyle:
After creating your budget, the most important thing is to take active steps towards changing your lifestyle so that it's easier to follow. If you stop for coffee every morning, consider investing in a programmable coffee machine that brews great coffee or espresso in the morning. While you may have to spend more initially, finding ways to make that budget a long-term habit without sacrificing the things you enjoy is the key to lifetime savings.
养成良好的生活习惯
在做好预算之后，接下来就是付诸实践了，养成良好的生活习惯是帮助实现自己的预算的最佳方法。
(可可英语版权所有,未经允许请勿转载)
