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