1. Keep track

1.记录花销

It’s important to identify your budget baseline by tracking your spending for a few months. This way you know how much goes toward rent or mortgage, transportation¹, food, utilities, shopping, etc.

很重要的一点是要记录几个月的花销来确定预算基数，这样你就能知道租房或贷款、交通、饮食、水电费、购物等方面花了多少钱。

2. Use technology to your advantage

2.好好利用科技

There are many apps that can help, which actually connect with your bank accounts and over a period of time, they use the data from your spending habits to offer ideas or set up a complete budget for you.

有很多应用程序可以用，它们能绑定银行卡，过一段时间就能利用从你的消费习惯中获得的数据给你提供一些建议或为你制定一个完整的预算。

3. Give each dollar a job

3.每一分钱都不放过

It can really help you learn where each dollar is going and gives you the ability to see how you spend your money.

这个方法真的能帮你了解每一分钱都花在哪儿了，让你能看到自己是怎样花钱的。

4. Set goals

4.设定目标

Having a specific goal keeps you motivated and excited to save money.

有了特定的目标你攒钱就有了动力也很开心。

5. Divide and conquer

5.分而治之

Technology has made it easy to have a portion or portions of your paycheck distributed into special accounts.

科技已经使我们能很容易地把薪水中的一部分或几部分分拨到特定账户中。

6. Automate² savings³

6.自动储蓄

To figure out how much to set aside each month, divide the total cost of what you’re trying to save for by the number of months you have before you plan to make the purchase.

想要知道每个月要存多少钱，在计划要买东西之前把你攒钱要买的东西所花的总钱数分摊到几个月中。

7. Side hustle⁴

7.副业

The extra cash can really add up and help you save towards those short-term goals like buying a new bag or your next vacation.

额外赚的钱真的能攒起来，帮你为买新包或下一次度假这样的短期目标攒点钱。

8. Make decisions with vision

8.做决定要有眼光

Create a ‘Wealth Vision’, which is a goal for where you want to be financially (income, expenses, savings, and investments) over different periods of time in your life. This will help you to budget and make great spending decisions.

建立一个“财富愿景”，就是你在财务方面（收入、花销、储蓄和投资）在生活中不同时期要达到的目标。这将帮你做好预算，做出明智的消费决定。

9. Make a list and stick to it

9.列好清单并遵守

We’ve all experienced entering a store needing one item and leaving with several. This kind of shopping can greatly impact your budget. Make a list and stick to it so you don’t get sidetracked.

我们都有过这种经历，进商店时想买一样东西，走的时候却买了很多。这种购物方式对预算有很大影响。你要列出要买的东西并严格遵守，就不会买多了