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

Step 2: Divide by months it took to earn
Divide the total by the number of months it took you to earn it. The result is your monthly income.
第二步：將掙錢總數按月平分
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 monthly expenses
Add up your essential monthly expenses, like food, rent, transportation, and personal necessities.
第三步：計算出每月的總花銷
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: Add up nonessential spending
Next add up your nonessential monthly spending.
第四步：計算出非必要的花銷
下一步計算出每月的非必要的花銷。

Step 5: Add up expenses
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
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: Stick to numbers
Once your numbers are set, stick to them! Discipline is the key to living on a budget.
第六步：堅持預定的花銷
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。

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。

Step 7: Take public transportation or carpool
Take public transportation, or carpool with friends to save on gas. Walking is free, and it’s great exercise!
第七步：乘坐公共交通或拼車
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
Be frugal. Stop buying brand name clothes and fancy foods. Stop drinking lattes. Don’t order takeout.
第八步：要節約
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。

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。

Step 9: Buy secondhand
Buy anything you can secondhand. Thrift stores often sell household goods and perfectly good used clothing.
第九步：買舊貨
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。