(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细微的调整,比如在可以支付你的债务或是能提高你的储蓄金额方面。但首当其冲的是,确信你赚到的至少要比你花费的多。远离赤字。
(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.
根据新的总额重做一份预算,张贴在家里,提醒自己,现在过的是有家庭预算控制的舒坦生活。
6. Follow these financial rules of thumb
遵循财务黄金法则
Concerned about how much you're spending, how much you should be saving, and how much house you can afford? Use these easy equations to determine how financially healthy you are:
在担心要花多少钱,存多少钱,以及你能负担的起多大平米的房子了吗?用这些简单的等式来看看你的财务健康状况如何吧:
The price of your home should not be more than 2.5 times your annual gross household income.
房子价格不应超过你每年家庭纯收入的2.5倍。
Your total monthly debt payments (including mortgage, student loans, car, and credit card payments) should not be more than 35 percent of your monthly gross income. Some mortgage brokers will stretch this ratio up to 40 percent, but that leaves you very little budgetary wiggle room.
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