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1. Divvy up any unexpected income 分配好福利收入 When you have a windfall — a bonus, gift, or extra cash for extra work — use the rule of thirds to determine how to use it: 当你得到一笔意外之财时--奖金、礼物，或是赚到的外快--使用三分之一法则来决定如何使用它： One third for the past. Use one third to pay down debt you owe. 三分之一用在过去。把三分之一的钱用来支付你欠下的债务。 One third for the future. Put a second third immediately into some sort of savings or investment. 三分之一用在未来。把第二个三分之一立刻进行储蓄或是投资。 One third for the present. Use the final third to make a home or personal improvement or purchase you want. 三分之一用在当前。把最后的三分之一用于家庭或个人改善，又或者是买你想要的东西。 If you follow this rule, you'll see your debt shrink and your savings grow, and you won't feel deprived. 如果你遵循了这个法则，你将看到你的债务在减少，而你的储蓄在增加。你也不会再觉得拮据了！ 2. Keep a slush fund handy 手头要有一笔备用金 Something — be it a car repair, an emergency root canal, or a job layoff — always comes up to throw you off your monthly budget. To keep these incidents from running you into debt, you need to have an emergency stash in an easily accessible account, preferably a money market account (they earn a little more interest than regular savings accounts). | 
