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There are months when sticking to your budget seems very easy. There are also months when you manage to blow your budget even when you have been careful with your money. 一年中有几个月，把生活成本控制在预算之内还是很容易的。但还有几个月，即使你精打细算，最终还是超支了。 If you are working without an emergency fund, any unexpected expenses like a medical bill can blow your budget at the beginning of the month. 如果你没有一笔应急资金，任何意想不到的开支（比如医疗费用）都可能在月初就超出你的预算。 It is stressful to realize that you are out of money and still have several days or even weeks until you get paid again. 当你意识到自己已经没钱了，而且还有几天甚至几周的时间才能拿到工资时，你会感到压力重重。 | 
