1. Keep track
1.記錄花銷

It’s important to identify your budget baseline by tracking your spending for a few months. This way you know how much goes toward rent or mortgage, transportation, food, utilities, shopping, etc.
很重要的一點(diǎn)是要記錄幾個(gè)月的花銷來(lái)確定預(yù)算基數(shù)，這樣你就能知道租房或貸款、交通、飲食、水電費(fèi)、購(gòu)物等方面花了多少錢。

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2. Use technology to your advantage
2.好好利用科技

There are many apps that can help, which actually connect with your bank accounts and over a period of time, they use the data from your spending habits to offer ideas or set up a complete budget for you.
有很多應(yīng)用程序可以用，它們能綁定銀行卡，過(guò)一段時(shí)間就能利用從你的消費(fèi)習(xí)慣中獲得的數(shù)據(jù)給你提供一些建議或?yàn)槟阒贫ㄒ粋€(gè)完整的預(yù)算。

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3. Give each dollar a job
3.每一分錢都不放過(guò)

It can really help you learn where each dollar is going and gives you the ability to see how you spend your money.
這個(gè)方法真的能幫你了解每一分錢都花在哪兒了，讓你能看到自己是怎樣花錢的。

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4. Set goals
4.設(shè)定目標(biāo)

Having a specific goal keeps you motivated and excited to save money.
有了特定的目標(biāo)你攢錢就有了動(dòng)力也很開(kāi)心。

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5. Divide and conquer
5.分而治之

Technology has made it easy to have a portion or portions of your paycheck distributed into special accounts.
科技已經(jīng)使我們能很容易地把薪水中的一部分或幾部分分撥到特定賬戶中。

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6. Automate savings
6.自動(dòng)儲(chǔ)蓄

To figure out how much to set aside each month, divide the total cost of what you’re trying to save for by the number of months you have before you plan to make the purchase.
想要知道每個(gè)月要存多少錢，在計(jì)劃要買東西之前把你攢錢要買的東西所花的總錢數(shù)分?jǐn)偟綆讉€(gè)月中。

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7. Side hustle
7.副業(yè)

The extra cash can really add up and help you save towards those short-term goals like buying a new bag or your next vacation.
額外賺的錢真的能攢起來(lái)，幫你為買新包或下一次度假這樣的短期目標(biāo)攢點(diǎn)錢。

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8. Make decisions with vision
8.做決定要有眼光

Create a ‘Wealth Vision’, which is a goal for where you want to be financially (income, expenses, savings, and investments) over different periods of time in your life. This will help you to budget and make great spending decisions.
建立一個(gè)“財(cái)富愿景”，就是你在財(cái)務(wù)方面（收入、花銷、儲(chǔ)蓄和投資）在生活中不同時(shí)期要達(dá)到的目標(biāo)。這將幫你做好預(yù)算，做出明智的消費(fèi)決定。

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9. Make a list and stick to it
9.列好清單并遵守

We’ve all experienced entering a store needing one item and leaving with several. This kind of shopping can greatly impact your budget. Make a list and stick to it so you don’t get sidetracked.
我們都有過(guò)這種經(jīng)歷，進(jìn)商店時(shí)想買一樣?xùn)|西，走的時(shí)候卻買了很多。這種購(gòu)物方式對(duì)預(yù)算有很大影響。你要列出要買的東西并嚴(yán)格遵守，就不會(huì)買多了。

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