我们提前计划，虽然我们仍然有足够的两笔收入，我们还是把大量的钱放在家里以便于对我们的款项更好的管理，我们还清了所有的债务并从所有的渠道减少开支。
We planned in advance. While we still had two incomes we put enough down on our home where our payments would be manageable, we paid off all our debt, and downsized in anyway we could.
她说由于没有收入来源，退休储蓄也缩水，她已减少开支，并计划在节日里减少送人的礼物。
She says she has cut back on spending and plans to give fewer gifts this holiday season due to her lost income and diminished retirement savings.
计划出至少一年的生活开支，或者要有第二份家庭收入来支付。
Plan to have at least one year's living expenses to fall back on or provided for by a second household income.
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