Here is a simple rule: Income − Savings = Spending. When you get money, save a little first, then spend what is left. Keeping a money diary — writing down what you get and what you spend — helps you see where your money goes and grow your savings.
這裡有個簡單的原則：收入 − 儲蓄 = 支出。當你拿到錢，先存下一點，再花剩下的。記帳——把拿到的錢和花掉的錢寫下來——能幫你看清楚錢花去哪裡，也讓存款慢慢長大。