CPI在增長，消費觀念也在改變，從存錢攢錢到“月光族”甚至到“花明天的錢，圓今天的夢”，這種改變似乎已經(jīng)成為了一種潮流。那么是不是要跟著這個潮流呢？

我真的需要平衡預算并改善我的用錢方式了。
I really need to balance my budget and handle my money better.
★ balance v. 平衡
★ budget n. 預算
★ handle v. 處理，管理

把你的信用卡給我，你花錢總是寅吃卯糧的。
Give me your credit cards. You’re living beyond your means.
★ means n. 收入
● credit card“信用卡”
■ live beyond one's means 表示“入不敷出，過度消費”。

我想更好地控制我的開銷。I want to control my spending better.
○ Why don’t you control your spending?
你為什么不控制一下你的開銷呢？
★ spending n. 開銷，花費

你需要更好地控制自己。You need to have more self-control.
○ Control your expenses.
控制你的花銷。
★ self-control n. 自我控制，自制
★ expense n. 花銷，花費

你花錢太多了，而且大多數(shù)花費都是不太有必要的。

You did spend too much, and most of the expense was kind of unnecessary.
★ unnecessary a. 不必要的

我花錢一直大手大腳的。I have been spending too much money.
○ I can’t spend money in one place.
我不能亂花錢。
我的生活開銷超出我的底限了。I am living above my limit.
○ I have already spent beyond my limit.
我的開銷已經(jīng)超出底限了。
■“above”、“beyond”在上面這兩句話中的意思都是“超過”。

這要一大筆開銷的。That’ll cost an arm and a leg.
= That'll cost a pretty penny.
= That'll cost a great deal of money.
你知道，錢不是從天上掉下來的。
You know, money doesn’t grow on trees.
○ You should use it wisely.
你應該明智地花錢。
★ wisely ad. 明智地，精明地，英明地

對于那些只存錢不花錢的人來說，人生是苦短的。
Life is too short to him who’s always been saving money and not using it.
○ You can’t take it with you.
生不帶來，死不帶去。
○ Don’t be such a miser.
別像個守財奴似的。
★ miser n. 吝嗇鬼，守財奴

我必須得控制自己，因為我經(jīng)常出去亂花錢。
I have to control myself because I always go out and spend like crazy.
● like crazy“發(fā)瘋似地，拼命地”