How to Make a Budget
如何制定预算
Most likely you aren't the family breadwinner. But doing a small job or getting a weekly allowance would put some money in your pocket. For kids and grown-ups alike, money is easy to spend．If you aren't careful, it can be gone in no time.
最有可能的情况是，你不是家庭的经济支柱，不过做一份小工作或每周领取零花钱也会让你的口袋里有一些钱。对孩子和大人来说，钱很容易花。如果你不在意，它很快就会消失。
Being responsible with your money is an important skill to learn－and the sooner you start the better. Whether you are tracking your spending or saving for something special creating a budget can help you deal with your expenses and plan for the future. All you need are paper and a pencil－and some self-control.
对钱负责是一项重要的学习技能——越早开始越好。无论是跟踪支出还是为一些特别的事情存钱，制定预算都可以帮助你处理你的开支并为未来做计划。你所需要的只是纸笔，还有一些自制力。
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First, take a look at our sample monthly budget. Then, use a separate sheet of paper to plan your own. In the first two columns, list your sources of income and how much you expect to earn from them. In the third and fourth columns, list what you expect to spend your money on and the amount.
首先看看我们的月度预算样本，然后用一张单独的纸来规划你自己的预算。在前两列中列出你的收入来源，以及你期望从中获得的收入，第三、第四列中列出你期望支出的用途以及金额。
The left-hand total should be more than or equal to the right-hand total. If it is, you have an effective budget.
左边的总数应该大于或等于右边的总数。如果是，你的预算就是有效的。
Budgets are not complex, but sticking to them can be tough. When planning your budget, be realistic about your expenses. If you know that you drop $18 at a movie, don't write ＄12 in that space simply because you wish you were spending less.
预算并不复杂，但坚持预算可能会很困难。在规划预算时，要现实地考虑你的开支。如果你知道你一部电影要花18美元，不要仅仅因为你希望少花点钱就写上12美元。
If you are eyeing a big purchase, such as a ＄150 skateboard, spend less and save more until you have the total amount. No matter how attractive it may be, avoid spending your savings. One day you will thank yourself!
如果你想购买大件，比如一块150美元的滑板，你就需要少花一点，多省一点，直到攒够钱。无论物品多吸引人，都要避免花费你的积蓄。有一天你将会感谢自己！
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