怎样才能不乱花钱？你需要想清楚这9点
<p>1. <span word="Keep">Keep</span> <span word="track">track</span></p><p>1.记录花销</p><p><span word="It">It</span>’<span word="s">s</span> <span word="important">important</span> <span word="to">to</span> <span word="identify">identify</span> <span word="your">your</span> <span word="budget">budget</span> <span word="baseline">baseline</span> <span word="by">by</span> <span word="tracking">tracking</span> <span word="your">your</span> <span word="spending">spending</span> <span word="for">for</span> <span word="a">a</span> <span word="few">few</span> <span word="months">months</span>. <span word="This">This</span> <span word="way">way</span> <span word="you">you</span> <span word="know">know</span> <span word="how">how</span> <span word="much">much</span> <span word="goes">goes</span> <span word="toward">toward</span> <span word="rent">rent</span> <span word="or">or</span> <span word="mortgage">mortgage</span>, <span word="transportation">transportation</span>, <span word="food">food</span>, <span word="utilities">utilities</span>, <span word="shopping">shopping</span>, <span word="etc">etc</span>.</p><p>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。</p><p>2. <span word="Use">Use</span> <span word="technology">technology</span> <span word="to">to</span> <span word="your">your</span> <span word="advantage">advantage</span></p><p>2.好好利用科技</p><p><span word="There">There</span> <span word="are">are</span> <span word="many">many</span> <span word="apps">apps</span> <span word="that">that</span> <span word="can">can</span> <span word="help">help</span>, <span word="which">which</span> <span word="actually">actually</span> <span word="connect">connect</span> <span word="with">with</span> <span word="your">your</span> <span word="bank">bank</span> <span word="accounts">accounts</span> <span word="and">and</span> <span word="over">over</span> <span word="a">a</span> <span word="period">period</span> <span word="of">of</span> <span word="time">time</span>, <span word="they">they</span> <span word="use">use</span> <span word="the">the</span> <span word="data">data</span> <span word="from">from</span> <span word="your">your</span> <span word="spending">spending</span> <span word="habits">habits</span> <span word="to">to</span> <span word="offer">offer</span> <span word="ideas">ideas</span> <span word="or">or</span> <span word="set">set</span> <span word="up">up</span> <span word="a">a</span> <span word="complete">complete</span> <span word="budget">budget</span> <span word="for">for</span> <span word="you">you</span>.</p><p>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。</p><p>3. <span word="Give">Give</span> <span word="each">each</span> <span word="dollar">dollar</span> <span word="a">a</span> <span word="job">job</span></p><p>3.每一分钱都不放过</p><p><span word="It">It</span> <span word="can">can</span> <span word="really">really</span> <span word="help">help</span> <span word="you">you</span> <span word="learn">learn</span> <span word="where">where</span> <span word="each">each</span> <span word="dollar">dollar</span> <span word="is">is</span> <span word="going">going</span> <span word="and">and</span> <span word="gives">gives</span> <span word="you">you</span> <span word="the">the</span> <span word="ability">ability</span> <span word="to">to</span> <span word="see">see</span> <span word="how">how</span> <span word="you">you</span> <span word="spend">spend</span> <span word="your">your</span> <span word="money">money</span>.</p><p>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。</p><p>4. <span word="Set">Set</span> <span word="goals">goals</span></p><p>4.设定目标</p><p><span word="Having">Having</span> <span word="a">a</span> <span word="specific">specific</span> <span word="goal">goal</span> <span word="keeps">keeps</span> <span word="you">you</span> <span word="motivated">motivated</span> <span word="and">and</span> <span word="excited">excited</span> <span word="to">to</span> <span word="save">save</span> <span word="money">money</span>.</p><p>有了特定的目标你攒钱就有了动力也很开心。</p><p>5. <span word="Divide">Divide</span> <span word="and">and</span> <span word="conquer">conquer</span></p>
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