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Step One: Write a Financial Wish List
Start big. At the top of your list of money goals should be an emergency fund, says financial coach Judy Lawrence, author of The Budget Kit. "If something happens to you, your spouse, children, computer, or car," says Lawrence, "you'll need something to fall back on to avoid going into debt." Aim to save the equivalent of at least three months of your income. Next, list your big-ticket dreams — to get out of debt, remodel the kitchen, pay for the kids' education, travel to Europe. Also write down personal and household needs (New interview suit? Water heater?) and wants (Kitchen cabinets? Digital camera? Satellite TV?) that you'd like to purchase in the next six months. Finally, note small money goals, such as eating out or getting a manicure once a month. Next to each goal, estimate the dollar amount you'll need to accomplish it.
草擬一個花錢預(yù)算
第一欄寫上應(yīng)急款數(shù)，譬如你的車子壞了，生病了等等，接著數(shù)數(shù)花錢的大項：想想則那樣能夠還清自己的房貸，給廚房改裝一下，學(xué)費，去歐洲旅游，還有一些自己想做的事情。最后，寫下生活中的小數(shù)目花費，例如外出就餐，每月秀修一次指甲，然后把所有這些數(shù)目加起來。
