【Smart Tips】如何远离月光族
[i=s] 本帖最后由 evaxiaofan 于 2010-11-19 11:34 编辑 [/i]They don’t call it minimum wage for nothing …
How’s a guy supposed to get ahead, breaking his back 24-7, when all it gets you is chicken scratch?
My friend, you need a budget.
[color=black][b]Step 1: Add up income[/b][/color]
Add up all your income.
[b][color=black]Step 2: [/color][color=black]Divide by months it took to earn[/color][/b]
Divide the total by the number of months it took you to earn it. The result is your monthly income.
[b][color=black]Step 3: [/color][color=black]Add up monthly expenses[/color][/b]
Add up your essential monthly expenses, like food, rent, transportation, and personal necessities.
[b][color=black]Step 4: [/color][color=black]Add up nonessential spending[/color][/b]
Next add up your nonessential monthly spending.
[b][color=black]Step 5: [/color][color=black]Add up expenses[/color]
[/b]Now add up your expenses, and pray the total is lower than your monthly income. If your expenses exceed your income, you’ll need to cut back on nonessential items.
[b][color=black]Step 6: [/color][color=black]Stick to numbers[/color][/b]
Once your numbers are set, stick to them! Discipline is the key to living on a budget.
[img]http://my.tingroom.com/attachment/201011/8/170391_1289184763T01w.jpg[/img] [color=red]Try to set aside a small portion of your income on a regular basis—make sure to deposit it in a secure savings institution.[/color][color=#ff0000][/color]
[b][color=black]Step 7: [/color][color=black]Take public transportation or carpool[/color][/b]
Take public transportation, or carpool with friends to save on gas. Walking is free, and it’s great exercise!
[b][color=black]Step 8: [/color][color=black]Be frugal[/color][/b]
Be frugal. Stop buying brand name clothes and fancy foods. Stop drinking lattes. Don’t order takeout.
[img]http://my.tingroom.com/attachment/201011/8/170391_1289184763T01w.jpg[/img] [color=red]Instead of buying napkins, wipe your mouth on your sleeve.[/color]
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