记录你的花销有很多办法。
预算的目的是确保你的花销不会超过你的进账。
The goal of a budget is to make sure you don't spend more than you make.
你必须找到一个高薪的工作，否则，你将无法负担你的花销。
You must find a well-paid job, otherwise, you will not be able to afford the things you will do.
如果你的花销很小，你可以从500美元开始，而这笔钱只能用于突发事件。
If your expenses are low, you may be able to get by with $500. This money is for emergencies only.
你的第一步是将你的生活简单化，直到你的花销比你赚到的要少。
Your first step is to simplify your life until you are spending less than you make.
就像记下你吃的食物可以帮助你减肥一样，记录下来你的花销可以帮助省钱。
Just as keeping a food diary helps you lose weight, keeping a spending diary helps you save money.
这个月金星将会和火星凑得很近，你的花销将增多，而与此同时，金星也会为你带来财源滚滚。
With Venus moving so close to Mars this month, even though expenses will concern you as they rise, Venus will likely save the day by bringing you new sources of income.
如果你的花销比你想的要多很多，那么下面这几个简单的方法可以减少开销。这并不需要你做复杂的预算，也不用靠你的意志力来控制。
If you're spending more than you want to, though, these are a few simple ways to cut your spending -without having to do any complicated budgeting, and without having to rely on willpower.
如果你的花销比你想的要多很多，那么下面这几个简单的方法可以减少开销。这并不需要你做复杂的预算，也不用靠你的意志力来控制。
If you're spending more than you want to, though, these are a few simple ways to cut your spending - without having to do any complicated budgeting, and without having to rely on willpower.
因为如果你的财务活动很负责，到那个时候，你的资产足以保障你的花销，不需要人寿保险了。而且你可以把要交的保费拿来做其他事情。
At that point, if you’re financially responsible, your estate should be in good enough shape that your life insurance isn’t necessary, and you can take that premium and do something else with it.
另外，你还必须向银行支付所有损失、成本、花销或律师费(及与此相关的增值税)。
You will, in addition, pay to the bank any losses, costs, expenses or legal fees (including tax thereon).
计算出你每个月花在房子和交通上的支出，头脑风暴的方式可以帮你减少这些花销。
Add up the amount you spend on housing and transportation every month. Brainstorm ways you can cut those expenses.
如果花销超过月收入，你需要减少非必需品的开销。
If your expenses exceed your income, you'll need to cut back on nonessential items.
花销低的话，你同样可以节省很多，并利用空闲时间做更多你想做的事情。
With lower expenses, you can also save more, and do more of the things you want with the free time you have.
但是当你减少花销时，请削减的多一些，这样就可以建立你自己的紧急账户，以备不时之需。
But while you're trimming expenses, cut back a little more so you can build up your emergency fund.
如果你已经在按照这个计划打理财务，并在对上周的花销进行评估的话，那么你可能对你的财务方向感到满意。
If you've been following along with this series and have been participating in the expense evaluations of the last week, you're probably feeling pretty good about your financial direction.
“当你失掉了收入来源的时候，你面对这种花销不得不反复考虑，”Ivan ov说，“我已经没有余钱来享受那种在过去仅仅是我日常生活一部分的东西了。”
"It makes you think twice about these kinds of expenses after your income dries up," said Ivanov. "I just don't have the spare money for what once seemed part of my routine."
这有助于减轻你的犯罪感(相信我，无论如何你也会有这笔花销，所以最好保留它)。
This helps you to spend guilt free (and trust me you will spend it anyway so best to capture it).
显然，即使你是朝着你的梦想工作，可你仍需要支付诸如电费、食物、水之类的日常花销，不管是什么花销，但对你来说都极为重要。
Obviously, even as you work towards your dreams, you'll still need to cover your daily expenses, such as electricity, food, water, and whatever else is fundamentally important to you.
然后列出你所有的花销。然后将那些暂时不需要的开销，例如度假、娱乐、园艺服务、房屋打扫服务这些减去。
Then list all of your liabilities, and begin eliminating expenses you can temporarily live without, such as vacations, entertainment and possibly services like gardening and housecleaning.
尽管做家庭巡检的时候可能会让你有些花销，但是你能保证家庭安全，消除任何错误的侥幸行为。
While it may cost you for a home visit, you can be sure your family is safe and any faulty hazards are taken care of immediately.
当你意识到你真正控制了自己的花销，你会从中得到足够的快乐，以至于没有时间嫉妒其他人的财富。
When you understand that you do indeed control your own purse strings, you have so much fun exerting that control that you don’t have time to feel envious of anybody else’s financial situation.
我原则上喜欢你的计划，唯一担心的是花销可能太大。
I like your scheme in principle; my only misgiving is that it may require too large a sum of money.
若把你孩子大学学费的花销拿去购买假期里最新最潮流的奢侈玩具，就得不偿失了。
Don’t jeopardize [your children’s] college fund to get the latest and coolest expensive toys.
第五步：计算出总的花销，祈祷花销总数低于你的月收入吧。
Step 5: Now add up your expenses, and pray the total is lower than your monthly income.
一旦你知道花钱的地方，现在就该分析花销内容了。
Once you know where the money goes, it's time to analyze your expenses.
一旦你知道花钱的地方，现在就该分析花销内容了。
Once you know where the money goes, it's time to analyze your expenses.
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