1. write down your fixed expenses (house payment/rent, utility bills, insurance premiums).
2. under your fixed expenses, write down all of your basic needs expenses (food, gas, clothing, toiletries, etc.)
3. add all of these amounts together and subtract from your total monthly paycheck. The amount that is left is what you actually have to work with in terms of budgeting.
4. list all of your remaining purchases for the month; every single thing you spent money on down to the smallest detail. Be honest. Every cup of coffee, every newspaper or magazine, every candy bar from the vending machine, every meal you ate at a restaurant, your pedicure, manicure, make-up, etc. Make sure you write down every single item.
5. add up the amount you spent on all of those items and subtract that amount from the amount you had left for budgeting. How much did you spend? If you are being completely honest about every single thing you purchased during a month’s time, the amount you come up with will probably be a big surprise.
制定预算计划
首先，记下你的固定支出（房款或房租，水电费，保险费）。
第二，在你的固定支出范围内，写下你所有的基本需要支出（食物，汽油，衣服，洗漱用品的花费等等）。
第三，将这些金额合计然后将得到的总额从你每月的薪水中扣除。从预算方面来说，你真正要精打细算的就是剩下的金额了。
第四，将你余下的每月需购买的东西列成清单；你花钱买的每一样东西，甚至具体到最微小的细节。要如实地记录。每一杯咖啡，每一份报纸或杂志，从自动售货机买的每一根棒棒糖，你在餐馆吃的每一顿饭，你修理脚趾甲，手指甲和化妆的花费等。确保你记下每一样东西。
第五，将买这些东西的金额相加然后从你的预算里剩下的余额中扣除。你花了多少钱？
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