不要把钱当成你最好的伙伴，而它当成你的敌人。为了确保你不乱花预算以外的钱，把它存入储蓄计划。如果你现在不用花这些钱，把它存起来，你就不会乱花，因为它不在你口袋里。养成很难花钱的习惯你就会省钱。

2. Learn to treat your Savings account as another bill that must be paid first:

2. 尝试把储蓄账户当成另一个必须首先支付的账单：

Pay money to your savings account as though it was a bill that must be paid promptly and you will succeed in saving your hard-earned cash for a rainy day. The first thing you must do after receiving your pay check (cheque) is sending a pre-determined amount to the savings account.

就像支付账单一样立即支付给储蓄账户，你就能成功节省辛苦赚来的钱以备不时只需。首先你必须做的是收到工资支票后先把预定的数量存入储蓄账户。

3. Be careful with your shopping habits:

3. 小心你的购物习惯：

People lose a lot of money in the supermarket for buying impulsively thus overshooting their budgets. To deal with this problem make sure to carry the exact budget meant for shopping and not a cent more.

人们在超市总是冲动地花很多钱买东西，因此超出预算规定。应对这个问题的方法就是确保花费购物的准确预算，不多花一分钱。

4. Take no Credit Card Debt my friend:

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