10步快速做好新年预算

Monthly Expense Sheet
The most traditional style of budget is one in which you track your expenses for a couple months and then use the figures to set a budget. This style of budget is more effective when you remember to create monthly allotments for irregular or annual expenses such as property taxes, car repair, home repair and gifts.
做好每月预算。最简单的做预算的方法就是对自己每日的开销进行预算。

Spreadsheet
Many people prefer the high-tech version of the old school expense sheet, entering figures on a spreadsheet that delineate income and expenses. A spreadsheet makes it easier to keep track of the short-term savings you accrue to cover irregular expenses.
使用电子制表软件。电子制表软件更容易追踪自己短期内的花销。

Pay Yourself First
David Bach and other financial authors are fans of this method of budgeting that lays down one key ground rule: as soon as you get paid, transfer a percentage of your pay into a savings account. The remaining money is left for you to spend according to whatever budget you determine useful. The savings account should have a portion that is untouchable.
合理规划工资。很多金融专家都建议，可以将自己工资中的一部分存成定期，将剩余的用于花销。

Cash Only
Another way people create a budget is by withdrawing a fixed amount of cash once a week. They use cash to cover all incidental expenses outside of monthly bills. This budget works best for someone who can control spontaneous purchases.
多使用现金支付。每个星期可以提前取出一定数额的现金做备用，这也是坚持自己预算的一个好办法。

Automatic Savings Plan
In the age of Internet banking, it is a snap to create an automatic savings plan that incurs no fees. In this budget model, you create separate accounts with different savings goals. One may cover long-term needs such as retirement or college tuition and another may be intended for shorter-term goals, such as holiday gifts.
使用自动存钱计划。在这个网上银行覆盖的年代，制定一个自动存钱计划是必须的。

Budget Calculator
For those who prefer an interactive approach, using an online budget calculator can be effective. The Mapping Your Future website (see Resources) has a simple page listing categories for you to fill out with your expenses. After entering the various figures, you receive a total of monthly and annual discretionary income.
使用预算计算器。很多人喜欢互动的方式，这种情况下网上预算计算器就是一个最佳的选择了。

Keep the Change
Some people have their monthly expenses under control but desire a simple method for saving for things like a digital camera or a weekend trip. One easy and fun method is to keep a coffee can or jar in the refrigerator. Every time you purchase something, use only bills to pay for it. Transfer the change to your stash of cool cash. Raid the change only when you have accrued enough money to pay for your goal item.
保存好零钱。一个坚持自己预算的好办法就是保存好零钱，以备超支时使用。

Fixing a Broken Budget
The Kiplinger financial website (see Resources) has a helpful worksheet for figuring out where your budget has sprung a leak. The worksheet contains typical categories for budgeting, but then provides two columns, one for projected expenses and one for actual expenses. By listing both of these figures, people can see where they overspend and underspend in relationship to their intended budget.
找到自己预算的漏洞。大家可以通过预算网上介绍的方法查出自己预算出差错的地方。

Zero-Based Budget
In this hardcore budgeting technique, you (and a partner, if you share income and expenses) determine all of your income and all of your expenditures and create a budget that tracks every last dollar you will spend so that you have zero dollars left. The goal with this strategy is that you will include line items such as paying down debt, saving for retirement and saving for other long-term goals.
做好每一块钱的预算。可以根据自己的花费将预算栏目分类，务必将最小的花费算上。

Spending Plan
This type of budget works best for people who need to figure out where they are overspending. Rather than work with actual numbers, which fluctuate from month to month, this plan focuses on recommended percentages. For example, if you find yourself spending 50 percent of your disposable income on food, you know you need to reevaluate your restaurant habit. Some percentages may not apply for everyone or for every situation. In general, aim to spend a maximum of 35 percent of your income on housing, 10 to 15 percent on food, 5 to 10 percent on utilities, 10 to 15 percent on transportation, 5 to 10 percent on medical expenses, 10 percent on paying down debt, 10 percent on savings (to be increased when possible), and 5 to 10 percent on miscellaneous expenses.
找出自己花费的大项。对于那些希望通过做预算来存钱的人来说，找到自己花钱的大项是必须的，你可以将这些大项在预算中的比列弄清楚。