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。