精打細算節省開支的方法

　　Step 1: Add up all your income.第一步：將所有收入都加起來，計算出總數。

　　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：將總收入總數除以掙錢的月數，結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：試著每月都節省出一小部分收入——要確保將這些錢存入安全的機構。

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