8. Self Reflect:
If you don't like using web programs to budget, another way to cut spending quickly is to begin writing down every single thing you spend money on for a week straight. This reflective process helps you curb spending and think twice about each purchase.
自我反省
如果网上记账你还嫌麻烦，那么你就一周记一次账，然后看看自己主要把钱花在哪些方面了。