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5. You don't pay attention to your paycheck.
Seven in 10 Americans are adjusting their spending to accommodate recent payroll tax changes, according to the National Retail Foundation. Are you one of them? If not, you should be, since your paycheck could have decreased by at least 2 percent. While that doesn't seem like much, it adds up by the end of the year. And if you don't adjust your spending habits, you're more likely to find yourself at a loss—if not in debt—by year's end.
5．你不注意你的薪水。
10个美国人中有7个正在调整他们的支出来适应最近工资税的变化，根据全国零售基金。你是其中之一吗？如果没有，你应该成为其中一个，因为你的薪水可能减少了至少2%。虽然这看上去不太多，但它在年底就会累积起来。如果你不调整你的消费习惯，你更可能发现自己今年年底如果不是负债那也是亏损的。
n. 基金；资金，现金（fund的复数） v. 提供资金
