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Step One: Write a Financial Wish List
Start big. At the top of your list of money goals should be an emergency fund, says financial coach Judy Lawrence, author of The Budget Kit. "If something happens to you, your spouse, children, computer, or car," says Lawrence, "you'll need something to fall back on to avoid going into debt." Aim to save the equivalent of at least three months of your income. Next, list your big-ticket dreams — to get out of debt, remodel the kitchen, pay for the kids' education, travel to Europe. Also write down personal and household needs (New interview suit? Water heater?) and wants (Kitchen cabinets? Digital camera? Satellite TV?) that you'd like to purchase in the next six months. Finally, note small money goals, such as eating out or getting a manicure once a month. Next to each goal, estimate the dollar amount you'll need to accomplish it.
草拟一个花钱预算
第一栏写上应急款数，譬如你的车子坏了，生病了等等，接着数数花钱的大项：想想则那样能够还清自己的房贷，给厨房改装一下，学费，去欧洲旅游，还有一些自己想做的事情。最后，写下生活中的小数目花费，例如外出就餐，每月秀修一次指甲，然后把所有这些数目加起来。
