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5. Make, and stick to, a budget
制定預算并堅持執行
Budgets are the first steps to gaining some financial order in your home. Stanley Kershman, an author, lawyer, and creator of the website www.debtonadiet.com, has a six-step plan to accomplishing just that:
預算是保證家庭財務有序進行的第一步。身兼作家、律師和理財網站（www.debtonadiet.com）創辦人三職的斯坦利·科什曼，提供了一個六步走計劃：
(1) Don't attempt to do your entire budget in one sitting. Take a few days, breaking the work down into manageable pieces.
不要試圖一次就想搞定你全部的預算計劃。花幾天時間，把這個工作分成可以控制的幾個部分。
(2) Gather up all of your income information, including salaries, interest, and gifts.
匯總你的所有收入，包括工資，利息和禮物贈品。
(3) Next, gather up all of your expense information. Do this thoroughly, even if it takes three days, a week, or a month. Make sure you're not missing anything.
下一步，匯總你的所有開銷。做這一步，要全面徹底，即使它要花費你三天、一個星期或是一個月時間。確保你沒有任何遺漏。
(4) Using a budget worksheet add up all of the totals for the income and outflow.
使用預算表，在表里填上所有收入和支出的項目。
(5) Figure out where you can do some fine-tuning, either to pay down your debt or increase your savings goals. However, above all, make sure you're making as much money as you're spending. Stay out of the red.
想一想你在哪些方面可以做細微的調整，比如在可以支付你的債務或是能提高你的儲蓄金額方面。但首當其沖的是，確信你賺到的至少要比你花費的多。遠離赤字。
(6) Redo the budget with the new totals, and post it around your house, lest you forget you are now living within the cozy confines of a household budget.
根據新的總額重做一份預算，張貼在家里，提醒自己，現在過的是有家庭預算控制的舒坦生活。
