First，you will need to have your budget with you.
　　You should also have a notebook available to you. You can divide your paper into about three columns a piece. You will need to write down each budget category at the top of the column. Then you need to record the assigned amount next to it. If you have not created a budget，and are tracking your expenses so that you can create one，then you should decide on basic spending categories such as utilities，food，rent，eating out，fun money，and insurance. Record each of these at the top of the paper.
　　首先要先做好預(yù)算（學(xué)習(xí)如何做預(yù)算）。
　　你需要準(zhǔn)備一個筆記本，把一頁分成三欄，把每個預(yù)算項目寫在頂部，然后寫上每項預(yù)算金額。如果你想先記錄消費情況再來制定預(yù)算，就需要先寫上常用的項目，如，日用品、食品、房租、外出就餐、娛樂支出、保險等。寫在紙張的頂部。
　　Next，you will need to take time each day to record your expenses.
　　As you record each expense in a category， you will need to keep a running total of how much you have left in that category. Simply subtract the amount you spent from the current total and record the answer. It may be helpful to have two separate columns，one for expenses and one for the current total. You may also want to record the total in another color. If you are tracking expenses to determine how much you spend you will need to add the amount you spent to your running total.
　　接下來需要每天記錄花銷情況。
　　通過每項預(yù)算的消費情況可以看出余額還有多少?？梢悦宽椬鰞蓹?，一欄列出消費金額，一欄列出余額。總額可以用其它顏色標(biāo)出。如果需要消費總額還需再做一項加法。
　　Finally，you will need to stop spending when you see that you are out of money.
　　This is the essential step in staying on budget. You may find that your budget is unrealistic or you may need to transfer money between categories. Take the time towards the end of the month to adjust next month's budget so that will work for you. It is important to remember that saving and debt payments should take precedence over eating out and vacations. You will need cut back in some areas，but you should still be able to eat every day.
　　最后，當(dāng)預(yù)算用完，就應(yīng)該停止花錢。
　　這是保持預(yù)算最關(guān)鍵的一步了。也許你的預(yù)算在實踐中不切實際，或者需要調(diào)整各項目的金額，在月內(nèi)進行調(diào)整，好到下月執(zhí)行。要記住存錢和還債要優(yōu)先于外出就餐和度假哦。有些地方需要縮減開支，但一日三餐不能少。