Step 1: Add up all your income.
第一步：將所有收入都加起來，計(jì)算出總數(shù)。

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：將總收入總數(shù)除以掙錢的月數(shù)，結(jié)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：計(jì)算出每月的必需品花銷，比如食物，租金，交通和個(gè)人日用品的花費(fèi)。

Step 4: Next add up your nonessential monthly spending.
第四步：下一步計(jì)算出每月的非必要的花銷。

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：計(jì)算出總的花銷，祈禱花銷總數(shù)低于你的月收入吧。如果花銷超過月收入，你需要減少非必需品的開銷。

Step 6: Once your numbers are set, stick to them! Discipline is the key to living on a budget.
第六步：一旦制定出了花銷的數(shù)目，就要堅(jiān)持。原則是精打細(xì)算的關(guān)鍵。

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車來節(jié)省油錢。走路是不需要花錢的，而且是很好的運(yùn)動(dòng)。

Step 8: Be frugal. Stop buying brand name clothes and fancy foods. Stop drinking lattes. Don't order takeout.
第八步：要節(jié)約。不要買名牌的衣服和高檔的食品。不要喝拿鐵咖啡（意大利濃縮咖啡與牛奶的經(jīng)典混合）。不要叫外賣。

Step 9: Buy anything you can secondhand. Thrift stores often sell household goods and perfectly good used clothing.
第九步：只要是能買到的，就買舊貨。舊貨店經(jīng)常賣家庭用品和保存得很好的舊衣服。

Tip: Instead of buying napkins, wipe your mouth on your sleeve.
小貼士：別買餐巾了，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.
小貼士：試著每月都節(jié)省出一小部分收入——要確保將這些錢存入安全的機(jī)構(gòu)。