你知道你每个月花多少钱吗?
Do You Know How Much You Spend Every Month?

Do You Know How Much You Spend Every Month?

你知道你每个月花多少钱吗?

今天,刷信用卡或刷手机来支付各种各样的东西真的很容易。事实上,这很容易,我们很多人花钱的时候都没有真正想过,也没有停下来把一天中买的所有小东西都加起来。

不幸的是,如果你不注意你的购物,你可能会在没有意识到的情况下花费太多。如果你花钱不谨慎,你很可能会用自己辛辛苦苦挣来的钱买一些你并不真正需要的东西。

你不想因为你的随意消费而危及你的财务目标或让你的钱花得一钱不值。如果你跟踪你的支出,看看你的钱都花到哪里去了,你就不必这么做了。

你为什么要追踪你的支出?

数以百万计的美国人无法承受400美元的计划外支出,而且几乎一半的人都是靠工资生活。对一些人来说,储蓄不足是因为他们的收入实在太低了。但对其他许多人来说,问题在于他们的支出,而不是薪水的多少。

不幸的是,如果你不跟踪的话,很难知道你在哪里超支了。低估你的花费是很常见的,在没有看到大局的情况下,在这里或那里花费几美元似乎是微不足道的。但是,如果你真的花时间去看看每一块钱都花到哪里去了,你会发现你浪费的钱比你想象的要多得多,所有这些小小的挥霍加起来就是一大笔钱。

跟踪支出也很重要,这既是为了制定预算,也是为了确保一旦你制定了预算,你就能成功地依靠它生活。除非你一开始就知道自己的钱都花到哪里去了,否则你可能会不合理地分配到每一项开支上,并最终制定出一个不可能执行的预算。

你怎样追踪你的开支?

好消息是,记录你的消费很简单。你可以使用Mint等应用来实现这一功能,它可以让你链接自己的支票账户和信用卡账户,对交易进行分类,并查看你的支出报告。你也可以用传统的方法来做这件事,把你花的每一笔钱都写下来,然后在每天结束的时候把这些记录转移到电子表格上。

你应该记录你的花费多长时间?

如果你的目标是制定预算或确定有问题的模式,那么在一个月内跟踪你的支出是很好的开始。你可能会错过期间费用如果你跟踪这么短的时间,但是,它也可以是一个好主意回顾几个月的信用卡声明确认支付你每两个月或每半年,或者你挥霍的东西如节日或生日。然后你可以做一个预算,把每天和偶尔的花费都考虑进去。

如果你想知道你是否在坚持你的预算,或者你是否在控制你的挥霍和对你的钱负责方面有困难,你可能想要跟踪更长的时间。事实上,有些人发现,无限期地跟踪可以帮助他们避免浪费现金,因为这会让他们更清楚自己的钱都花到哪里去了。

看看你的钱都花到哪里去了,确保你花对了地方

跟踪你的消费可能看起来很麻烦,但是你应该确保你的钱是用在你的目标和愿望上。记录你的花费并不一定是为了从你的预算中剔除所有有趣的东西,但它绝对可以让你清楚你在用你的钱做什么,以及你可能想要做出的改变。

一旦你评估了现金的去向,你通常可以从中获得更好的价值。谁不想让自己辛辛苦苦挣来的钱得到最好的回报呢?

Today, it's really easy to whip out your credit card or swipe your phone to pay for all kinds of stuff. In fact, it's so easy that many of us spend money without really thinking about it or pausing to add up all the little things we buy during the course of the day.

Unfortunately, if you're not paying attention to your purchases, you could spend too much without realizing it. If you aren't spending mindfully, it's also likely you're buying things with your hard-earned cash that you don't really need.

You don't want to jeopardize your financial goals or get a poor bang for your buck because of your casual spending. And you don't have to if you track your spending to see where your money is going.

Why should you track your spending?

Millions of Americans can't handle a $400 unplanned expense, and almost half are living paycheck to paycheck. For some, the lack of savings is because their incomes really are too low. But for many others, the problem is their spending, not the size of their paycheck.

Unfortunately, it's really hard to know where you're overspending if you don't actually keep track. Underestimating what you spend on is common, and dropping a few dollars here and there may seem trivial without looking at the big picture. If you actually take the time to see where every dollar is going, though, you may find you're wasting way more cash than you thought and that all those little splurges add up to big bucks.

Tracking spending is also important, both to make a budget and to make sure you're successfully living on it once you've created it. Unless you start with an idea of where your money is going, you may be unreasonable in the amounts you allocate to each expense and could end up creating a budget that's impossible to follow.

How do you track your spending?

The good news is, tracking your spending is simple. You can do it using apps such as Mint, which allows you to link your checking and credit card accounts, categorize transactions, and see reports on what you spend. You can also do it the old-fashioned way by writing down everything you spend and transferring the entries onto a spreadsheet at the end of each day.

How long should you track your spending?

Tracking your spending over a month is good for a start if you aim to make a budget or identify problematic patterns. You'll likely miss out on periodic expenses if you keep track for such a short time, though, so it can also be a good idea to look back at several months of credit card statements to identify payments you make every two months or semiannually, or things you splurge on such as holidays or birthdays. You can then make a budget that takes both daily and occasional spending into account.

If you want to see if you're sticking to your budget or if you're having trouble keeping your splurges under control and being responsible with your money, you may want to keep track for even longer. In fact, some people find that keeping track indefinitely helps them avoid wasting their cash since it makes them more conscious of where their money is going.

See where your money goes to be sure you're spending it right

While tracking your spending may seem like a drag, you owe it to yourself to make sure you're actually using your money in a way that makes sense for your goals and desires. Tracking your spending doesn't have to be done with the aim of eliminating everything fun from your budget, but it can definitely shed light on what you're doing with your money and what changes you may want to make.

Once you've evaluated where your cash is going, you can often get much better value from it. And who doesn't want to get the best bang for their hard-earned bucks?

Today, it's really easy to whip out your credit card or swipe your phone to pay for all kinds of stuff. In fact, it's so easy that many of us spend money without really thinking about it or pausing to add up all the little things we buy during the course of the day.

今天,刷信用卡或刷手机来支付各种各样的东西真的很容易。事实上,这很容易,我们很多人花钱的时候都没有真正想过,也没有停下来把一天中买的所有小东西都加起来。

Unfortunately, if you're not paying attention to your purchases, you could spend too much without realizing it. If you aren't spending mindfully, it's also likely you're buying things with your hard-earned cash that you don't really need.

不幸的是,如果你不注意你的购物,你可能会在没有意识到的情况下花费太多。如果你花钱不谨慎,你很可能会用自己辛辛苦苦挣来的钱买一些你并不真正需要的东西。

You don't want to jeopardize your financial goals or get a poor bang for your buck because of your casual spending. And you don't have to if you track your spending to see where your money is going.

你不想因为你的随意消费而危及你的财务目标或让你的钱花得一钱不值。如果你跟踪你的支出,看看你的钱都花到哪里去了,你就不必这么做了。

Why should you track your spending?

你为什么要追踪你的支出?

Millions of Americans can't handle a $400 unplanned expense, and almost half are living paycheck to paycheck. For some, the lack of savings is because their incomes really are too low. But for many others, the problem is their spending, not the size of their paycheck.

数以百万计的美国人无法承受400美元的计划外支出,而且几乎一半的人都是靠工资生活。对一些人来说,储蓄不足是因为他们的收入实在太低了。但对其他许多人来说,问题在于他们的支出,而不是薪水的多少。

Unfortunately, it's really hard to know where you're overspending if you don't actually keep track. Underestimating what you spend on is common, and dropping a few dollars here and there may seem trivial without looking at the big picture. If you actually take the time to see where every dollar is going, though, you may find you're wasting way more cash than you thought and that all those little splurges add up to big bucks.

不幸的是,如果你不跟踪的话,很难知道你在哪里超支了。低估你的花费是很常见的,在没有看到大局的情况下,在这里或那里花费几美元似乎是微不足道的。但是,如果你真的花时间去看看每一块钱都花到哪里去了,你会发现你浪费的钱比你想象的要多得多,所有这些小小的挥霍加起来就是一大笔钱。

Tracking spending is also important, both to make a budget and to make sure you're successfully living on it once you've created it. Unless you start with an idea of where your money is going, you may be unreasonable in the amounts you allocate to each expense and could end up creating a budget that's impossible to follow.

跟踪支出也很重要,这既是为了制定预算,也是为了确保一旦你制定了预算,你就能成功地依靠它生活。除非你一开始就知道自己的钱都花到哪里去了,否则你可能会不合理地分配到每一项开支上,并最终制定出一个不可能执行的预算。

How do you track your spending?

你怎样追踪你的开支?

The good news is, tracking your spending is simple. You can do it using apps such as Mint, which allows you to link your checking and credit card accounts, categorize transactions, and see reports on what you spend. You can also do it the old-fashioned way by writing down everything you spend and transferring the entries onto a spreadsheet at the end of each day.

好消息是,记录你的消费很简单。你可以使用Mint等应用来实现这一功能,它可以让你链接自己的支票账户和信用卡账户,对交易进行分类,并查看你的支出报告。你也可以用传统的方法来做这件事,把你花的每一笔钱都写下来,然后在每天结束的时候把这些记录转移到电子表格上。

How long should you track your spending?

你应该记录你的花费多长时间?

Tracking your spending over a month is good for a start if you aim to make a budget or identify problematic patterns. You'll likely miss out on periodic expenses if you keep track for such a short time, though, so it can also be a good idea to look back at several months of credit card statements to identify payments you make every two months or semiannually, or things you splurge on such as holidays or birthdays. You can then make a budget that takes both daily and occasional spending into account.

如果你的目标是制定预算或确定有问题的模式,那么在一个月内跟踪你的支出是很好的开始。你可能会错过期间费用如果你跟踪这么短的时间,但是,它也可以是一个好主意回顾几个月的信用卡声明确认支付你每两个月或每半年,或者你挥霍的东西如节日或生日。然后你可以做一个预算,把每天和偶尔的花费都考虑进去。

If you want to see if you're sticking to your budget or if you're having trouble keeping your splurges under control and being responsible with your money, you may want to keep track for even longer. In fact, some people find that keeping track indefinitely helps them avoid wasting their cash since it makes them more conscious of where their money is going.

如果你想知道你是否在坚持你的预算,或者你是否在控制你的挥霍和对你的钱负责方面有困难,你可能想要跟踪更长的时间。事实上,有些人发现,无限期地跟踪可以帮助他们避免浪费现金,因为这会让他们更清楚自己的钱都花到哪里去了。

See where your money goes to be sure you're spending it right

看看你的钱都花到哪里去了,确保你花对了地方

While tracking your spending may seem like a drag, you owe it to yourself to make sure you're actually using your money in a way that makes sense for your goals and desires. Tracking your spending doesn't have to be done with the aim of eliminating everything fun from your budget, but it can definitely shed light on what you're doing with your money and what changes you may want to make.

跟踪你的消费可能看起来很麻烦,但是你应该确保你的钱是用在你的目标和愿望上。记录你的花费并不一定是为了从你的预算中剔除所有有趣的东西,但它绝对可以让你清楚你在用你的钱做什么,以及你可能想要做出的改变。

Once you've evaluated where your cash is going, you can often get much better value from it. And who doesn't want to get the best bang for their hard-earned bucks?

一旦你评估了现金的去向,你通常可以从中获得更好的价值。谁不想让自己辛辛苦苦挣来的钱得到最好的回报呢?