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精打細算節(jié)省開支的方法
Step 1: Add up all your income.第一步:將所有收入都加起來,計算出總數(shù)。
Step 2: Divide the total by the number of months it took you to earn it. The result is your monthly income.第二步:將總收入總數(shù)除以掙錢的月數(shù),結(jié)果就是你每月的收入。
Step 3: Add up your essential monthly expenses, like food, rent, transportation, and personal necessities.第三步:計算出每月的必需品花銷,比如食物,租金,交通和個人日用品的花費。
Step 4: Next add up your nonessential monthly spending.第四步:下一步計算出每月的非必要的花銷。
Step 5: 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:計算出總的花銷,祈禱花銷總數(shù)低于你的月收入吧。如果花銷超過月收入,你需要減少非必需品的開銷。
Step 6: Once your numbers are set, stick to them! Discipline is the key to living on a budget.第六步:一旦制定出了花銷的數(shù)目,就要堅持。原則是精打細算的關鍵。
Step 7: Take public transportation, or carpool with friends to save on gas. Walking is free, and it's great exercise!第七步:乘坐公共交通或者和朋友拼車來節(jié)省油錢。走路是不需要花錢的,而且是很好的運動。
Step 8: Be frugal. Stop buying brand name clothes and fancy foods. Stop drinking lattes. Don't order takeout.第八步:要節(jié)約。不要買名牌的衣服和高檔的食品。不要喝拿鐵咖啡(意大利濃縮咖啡與牛奶的經(jīng)典混合)。不要叫外賣。
Step 9: Buy anything you can secondhand. Thrift stores often sell household goods and perfectly good used clothing.第九步:只要是能買到的,就買舊貨。舊貨店經(jīng)常賣家庭用品和保存得很好的舊衣服。
Tip: Instead of buying napkins, wipe your mouth on your sleeve.小貼士:別買餐巾了,用袖子擦嘴吧。
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.小貼士:試著每月都節(jié)省出一小部分收入——要確保將這些錢存入安全的機構(gòu)。
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