02 How Can I Stop This From Happening Again?

　　我如何阻止这种事情再次发生呢?

　　If you find yourself in a pattern where you consistently run out of money or blow your budget at the beginning of the month, you need to work to change your situation.

　　如果你发现自己在月初总是没有钱或花光预算，你需要努力改变现状。

　　If it is something like a car repair or an unexpected expense, then an emergency fund should solve your problem.

　　如果是修车或意外开支，那么应急基金应该能解决你的问题。

　　This allows you to cover the expense without affecting the rest of your budget.

　　这允许你在不影响你其余部分预算的情况下支付费用。

　　If you find this happening all of the time, you need to consider whether or not you have spending issues that you need to address.

　　如果你发现这种情况经常发生，你需要考虑一下是否有需要解决的消费问题。

　　You also need to consider if your budget is actually working. Often people who struggle this way do not have a budget at all.

　　你还需要考虑你的预算是否真的有效。通常这样挣扎的人根本没有预算。

　　03 Why Does My Budget Never Seem to Work?

　　为什么我的预算似乎从来没有起作用?

　　If you are having a hard time following your budget, you may be facing a few different issues.

　　如果你在预算上有困难，你可能会面临一些不同的问题。

　　The first thing you need to consider is if you set your budget categories at a realistic level.

　　你需要考虑的第一件事是你是否把预算类别设置在一个现实的水平。

　　When you first set up a budget you may arbitrarily decide that you can get by with spending only $100.00 a week on food.

　　当你第一次制定预算时，你可能随随便便地就决定每周只花100美元买食物。

　　However, if up to this point you have been spending $200.00 a week, this is a big difference and you may not be able to do it.

　　然而，如果到目前为止你一周花了200美元，这是一个很大的差额，你可能无法做到。

　　You may want to try cutting back gradually until you reach your goal.

　　你可能想要尝试逐渐削减直到达到你的目标。

　　You may also be having a hard time tracking your expenses. This means that you are overspending in certain categories like entertainment and then you are out of money when it is time to buy groceries.

　　你可能也很难记录你的开销。这意味着你在某些领域如娱乐上花费过多，当你需要购买日用品的时候你就没钱了。

　　Finally, you may have an income issue where you simply do not make enough to cover your necessities or your lifestyle.

　　最后，你可能会有收入问题，你挣的钱不足以支付你的生活必需品或生活方式。

　　You will need to cut back your spending and work on raising your income.

　　你需要削减开支，还要努力提高你的收入。