你花钱有计划吗？6招教你理智花钱_BEC初级作文

你花钱有计划吗？6招教你理智花钱

太过宽泛的记账当然不会有效，因为他们忽视了所有的关键因素。大的支出固然重要，但小的支出才是真正让你月月光的原因。如果你的预算显示除去每月固定开销之外，还有部分结余可供支配，但实际上不到月中你就已经破产，为什么呢？还不就是因为你忽视了每天都需要去就近快餐店支付的午餐费么。

Bottom line: every cent counts, so be sure to include those variable expenses down to the penny. To help you track variable spending, it may be a good idea to incorporate the envelope system. That way, your budget won’t stand a chance at failing.

建议：每分钱都很重要，所以别忘记把那些小钱也算在开销里面。要想记下纷杂的开销，不妨考虑一下信封系统。这样，你的预算绝对不会超支了。

2) Set realistic expectations.

设立现实点的期望

It never hurts to dream big, but actually making them a reality is another story. The same rule applies to budgeting: unrealistic figures will set you up for failure each and every month.

梦想再大也不为过，但要实现它就是另外一回事了。这个定理也同样适用于预算：不切实际的数据只会让你月月光。

If you know that you spend a certain amount of money each week on groceries, do not attempt to cut the number in half just for the sake of making the budget balance. Instead, make small cuts over time to build the momentum and prevent you from getting discouraged.