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.
一两年中有几个月,把生活水准本钱操控在估计里面则是很简略的。但另有几个月,即使你节俭,终极则是两抵了。

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.
要是你不一笔应急股本,任何意想不上的两抵(假如是整形消费)都大概在兰月就太过于你的估计。

It is stressful to realize that you are out of money and still have several days or even weeks until you get paid again.
当你知道到旁人有一些了没钱了,其次另有两三天甚至几周的工夫才可以拿到待遇时,你会认为压力重重。

If you have blown your budget , you need to reduce the amount of money that you spend each day.
要是你的估计有一些了两抵了,你得要杜绝每天的费用。

Depending on how tight your budget is, you may need to stop all spending completely.
这取决于你的估计有多垂危,有大概你得要完完全全stop每家花消。

You should bring your lunch from home and do everything you can to really reduce the amount that you spend on food.
你理当从睡觉的地方带第二顿饭,尽你能来杜绝你在产品上的两抵。

It is important to think about necessities versus luxuries at this point. If it is a luxury, then you need to skip it for the rest of the month.
这时分认真思考用品和豪华品是很首要的。要是是豪华品,总之你得要在另外月另外的工夫里跳过它。

You should even work on reducing the amount that you would normally spend on necessities. This can make a big difference in how long it takes you to recover from a financial mistake.
你甚至理当用功杜绝身边生活水准用品的两抵。这将会对你从财政错误中休养到来的工夫有很大的干扰。

You may also want to consider selling some things to raise extra cash, taking on extra hours or picking up part-time work to cover the difference.
你也能够认真思考拍卖大多数产品来积攒特别的股本,加班加点与职别来扭转差额。

01 Should I Use a Credit Card?
我理当用股票吗?

This is a tricky situation. It is not a good idea to use a credit card, but if you are choosing between not eating at all for the rest of the month or using your credit card to buy groceries, then it is better to eat.
这是一个不好的环境。应用股票并非一个好主意,但要是你要在另外月另外的工夫里寻找完完全全不吃产品与用股票拿钱购买用品干货,最好则是寻找吃产品吧。

However, this means that you are buying inexpensive items, you are not eating out and you are doing everything you can to reduce the amount that you are spending.
但,这意味着你买的是廉价的产品,不在外面用膳,你刚好尽少数用功杜绝你的消费力量。

You should not eat out on the credit card, and you should not be using it to go to the movies.
你不理当在外面用股票用膳,也不理当用股票去看影片。

You do not need to wrack up big bills to travel for entertainment reasons when you are in this situation. You should also have a clear plan on how you are going to pay this off in the next month or two.
当你处在这类环境时,你不得要若要赌博游戏去散步而投入大笔的钱。你还理当有一个肯定说明的计划,你将如安在接下来的一一些月内还清这笔钱。

02 How Can I Stop This From Happening Again?
我若何拦截这类各项加工发作呢?

If you find yourself in a pattern where you consistently run out of money or blow your budget at the beginning of the month, you need to work to change your situation.
要是你自认为旁人在兰月老是不钱或花光估计,你得要用功变革近况。

If it is something like a car repair or an unexpected expense, then an emergency fund should solve your problem.
要是是修车或偶然两抵,总之应急股本理当能处理你的感染。

This allows you to cover the expense without affecting the rest of your budget.
这同意准许赞同答应你在不干扰你另外组织估计的环境下费用消费。

If you find this happening all of the time, you need to consider whether or not you have spending issues that you need to address.
要是你自认为这类环境喜好发作,你得要认真思考一哈是不是有得要处理的消费力量感染。

You also need to consider if your budget is actually working. Often people who struggle this way do not have a budget at all.
你还得要认真思考你的估计是不是真的有效。通常然困兽犹斗的人一定是不估计。

03 Why Does My Budget Never Seem to Work?
为甚么学习用的估计仿佛从来不起效果?

If you are having a hard time following your budget, you may be facing a few different issues.
要是你在估计上有因素,你大概会面临大多数有差别的感染。

The first thing you need to consider is if you set your budget categories at a realistic level.
你得要认真思考的第一件事是你是不是把估计全新设置在一个现如此的的力量。

When you first set up a budget you may arbitrarily decide that you can get by with spending only $100.00 a week on food.
当你榜初度创制估计时,你大概随随意便地就决议有空只花100美金买产品。

However, if up to this point you have been spending $200.00 a week, this is a big difference and you may not be able to do it.
但,要是到如今间断你一周花了200美金,这是一个很大的差额,你大概不能做到。

You may want to try cutting back gradually until you reach your goal.
你大概想要尝试逐步减低直到实现你的方针。

You may also be having a hard time tracking your expenses. This means that you are overspending in certain categories like entertainment and then you are out of money when it is time to buy groceries.
你大概也很困难笔记你的费用。这意味着你在非常多半壁如赌博游戏上投入过分,当你得要拿钱购买日用品的时间你就没钱了。

Finally, you may have an income issue where you simply do not make enough to cover your necessities or your lifestyle.
末后,你大概都有奖金感染,你挣的钱短少以费用你的生活水准用品或生活水准方式。

You will need to cut back your spending and work on raising your income.
你得要减低两抵,还得用功提高你的奖金。

(译:雅兰)