怎樣才能不亂花錢？你需要想清楚這9點大綱

1. Keep track
1.記錄花銷
It’s important to identify you. 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.
很重要的一點是要記錄幾個月的花銷來確定預算基數，這樣你就能知道租房或貸款、交通、飲食、水電費、購物等方面花了多少錢。

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.
有很多應用程序可以用，它們能綁定銀行卡，過一段時間就能利用從你的消費習慣中獲得的數據給你提供一些建議或爲你制定一個完整的預算。

3. Give each dollar a job
3.每一分錢都不放過
It can really help you learn where each dollar is going and gives you the ability to see how you spend your money.
這個方法真的能幫你瞭解每一分錢都花在哪兒了，讓你能看到自己是怎樣花錢的。

4. Set goals
4.設定目標
Having a specific goal keeps you motivated and excited to save money.
有了特定的目標你攢錢就有了動力也很開心。

5. Divide and conquer
5.分而治之
Technology has made it easy to have a portion or portions of your paycheck distributed into special accounts.
科技已經使我們能很容易地把薪水中的一部分或幾部分分撥到特定賬戶中。

6. Automate savings
6.自動儲蓄
To figure out how much to set aside each month, divide the total cost of what you’re trying to save for by the number of months you have before you plan to make the purchase.
想要知道每個月要存多少錢，在計劃要買東西之前把你攢錢要買的東西所花的總錢數分攤到幾個月中。

7. Side hustle
7.副業
The extra cash can really add up and help you save towards those short-term goals like buying a new bag or your next vacation.
額外賺的錢真的能攢起來，幫你爲買新包或下一次度假這樣的短期目標攢點錢。

8. Make decisions with vision
8.做決定要有眼光
Create a ‘Wealth Vision’, which is a goal for where you want to be financially (income, expenses, savings, and investments) over different periods of time in your life. This will help you to budget and make great spending decisions.
建立一個“財富願景”，就是你在財務方面（收入、花銷、儲蓄和投資）在生活中不同時期要達到的目標。這將幫你做好預算，做出明智的消費決定。

9. Make a list and stick to it
9.列好清單並遵守
We’ve all experienced entering a store needing one item and leaving with several. This kind of shopping can greatly impact your budget. Make a list and stick to it so you don’t get sidetracked.
我們都有過這種經歷，進商店時想買一樣東西，走的時候卻買了很多。這種購物方式對預算有很大影響。你要列出要買的東西並嚴格遵守，就不會買多了