Step Four: Find Out Where Your Money's Going
Go to Where Does Your Money Really Go? to print out a worksheet that will help you tally your monthly spending in the following eight categories: Housing, Transportation, Insurance, Food, Personal Care, Medical, Children, and Miscellaneous. Or just write these categories at the top of a blank piece of paper, leaving room under each to list your expenses. Create subcategories for each: cosmetics and clothing for Personal Care, groceries and restaurant meals under Food, parking and gas under Transportation. Refer to your daily spending notes from step three, as well as recent credit card and bank statements, for a complete view of your expenses. List each expense under its appropriate category. Then, tally the expenses in each category. Note: If you've only tracked your spending for a week, don't forget to multiply all of the everyday expenses by four for a more accurate whole-month total.
将自己的花费归为8类
粗略地将你每个月的花费归为8类：住房，交通，保险，吃饭，人际，医疗，小孩以及其他，并将每一类的花费写在相应类别下。