你花钱有计划吗？6招教你理智花钱

4) Solicit the assistance of an accountability partner.
拉上一个会算账的伙伴。

Do not go out and ask your best buddy who agrees with everything you say and do for help. This is actually counter-productive. Instead, find someone to check-in with on a consistent basis who will be honest with you and hold you accountable for your spending habits each month.
千万别找那种你说什么都正确的朋友来帮忙，这只会起到反效果。相反，要找那种会稳扎稳打对你说实话的人，这样才会帮你坚持每个月的消费习惯。

Some even go the extra mile to hire a financial coach that is seasoned in budgeting and can provide extensive assistance with budgeting.
有的人甚至还会花钱请一个财务教练来控制预算，以提供更大的预算支持。

5) Prepare for the unexpected.
对意外支出要有心理准备。

Wouldn’t it be great to live in a world where emergencies did not exist? Wishful thinking. Unexpected occurrences are inevitable, so it is important to incorporate a little padding in your budget each month to cover those moments that completely catch you off guard. Also, stash away a little cash each month to build up that emergency fund.
怎么可能生活在一个没有意外事件的世界里呢？这只是幻想罢了。意外总是无法避免的，所以在每个月的预算中留出一部分作为意外支出很有必要，可以防止你到时候手忙脚乱。所以每个月存点钱来作为紧急基金吧。

6) Cut yourself a little slack.
给自己一点宽松的余地。

Let’s face it: sticking to a budget is hard work. That is why positive reinforcement is so important. Develop some sort of reward system for yourself that will motivate you to keep your eyes on the prize each month.
我们要知道：恪守预算实在太艰难了。所以积极的强制力十分重要。给自己设立点奖励机制，这样能鼓励你奔着奖品前进哦。

Following these tips on a consistent basis will help put your mind at ease when developing and executing your monthly spending plan.
长期坚持这些就能帮你轻松自如的指定每个月的花费预算了。