精打细算节省开支的方法

精打细算节省开支的方法

　　Step 1: Add up all your income.第一步：将所有收入都加起来，计算出总数。

　　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：将总收入总数除以挣钱的月数，结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：计算出每月的必需品花销，比如食物，租金，交通和个人日用品的花费。

　　Step 4: Next add up your nonessential monthly spending.第四步：下一步计算出每月的非必要的花销。

　　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：计算出总的花销，祈祷花销总数低于你的月收入吧。如果花销超过月收入，你需要减少非必需品的开销。

　　Step 6: Once your numbers are set, stick to them! Discipline is the key to living on a budget.第六步：一旦制定出了花销的数目，就要坚持。原则是精打细算的关键。

　　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车来节省油钱。走路是不需要花钱的，而且是很好的运动。

　　Step 8: Be frugal. Stop buying brand name clothes and fancy foods. Stop drinking lattes. Don't order takeout.第八步：要节约。不要买名牌的衣服和高档的食品。不要喝拿铁咖啡（意大利浓缩咖啡与牛奶的经典混合）。不要叫外卖。

　　Step 9: Buy anything you can secondhand. Thrift stores often sell household goods and perfectly good used clothing.第九步：只要是能买到的，就买旧货。旧货店经常卖家庭用品和保存得很好的旧衣服。

　　Tip: Instead of buying napkins, wipe your mouth on your sleeve.小贴士：别买餐巾了，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.小贴士：试着每月都节省出一小部分收入——要确保将这些钱存入安全的机构。

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