成人英语

　　过完双十一，是不是感觉刚发的工资就没了，分分钟剁手冲动爆表。好好的单身节就被小马过程了全民剁手节，怎样才能预防剁手？下面英语告诉你怎么安全过双十一。

　　Record your expenses记录一切开销

　　The first step in saving money is to know how much you’re spending.For one month,keep a record of everything you spend.That means every coffee,every newspaper and every snack you purchase for the entire month.Once you have your data,organize these numbers by category—for example,gas,groceries,mortgage and so on—and get the total amount for each.

　　省钱的步就是得知道你花了多少钱。记录下整个月的每一笔开销，那也就是意味着你买的每杯咖啡，每份报纸，甚至是每份零食都要记录下来。一旦你记录下这些账，并把他们分门别类，比如油费，生活用品，贷款等等，你就会知道你每个月分别在每项花了多少钱

　　Make a budget做预算

　　Now that you have a good idea of what you spend in a month,you can build a budget to plan your spending,limit over-spending and make sure that you put money away in an emergency savings fund.

　　现在你应该知道你一个月会花多少钱了，这时你便可以在开销上做出预算，限制自己的过度消费，从而确保自己存下“应急资金”。

　　Plan on saving money做一个存钱计划

　　Taking into consideration your monthly expenses and earnings,create a savings category within your budget and try to make it at least 10-15 percent of your net income.If your expenses won't let you save that much,it might be time to cut back.Look for non-essentials that you can spend less on—for example,entertainment and dining out—before thinking about saving money on essentials such as your vehicle or home.

　　仔细考虑一下你的每个月的收入和开销，在预算中设立一个“存款”项，并且让他至少占你净收入的10%-15%。如果你的开销不足以让你存下这么多钱的话，你就真的该削减开销了。在考虑交通费，家里正常开销这些“生活必需品”之前，先想想像娱乐项目，出去吃饭这些“非必需品”