Build a budget
1) We've created a sample budget to show you how each yuan might be spent and why it is so important to track what you buy.
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Budget Sheet |
| Expense |
Monthly |
Yearly |
| Housing |
| Dorm |
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| Cell phone |
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| Internet |
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| Electricity fee |
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| Transportation |
| Bus&Subway |
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| Taxi |
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| Food |
| Dining hall |
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| Dining out |
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| Personal |
| Clothing |
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| Haircuts |
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| Laundry |
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| Recreation / Entertainment |
| Movies / Concerts |
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| Magazines / DVDs |
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| Karaoke |
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| Savings |
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| Others |
| Tuition |
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| Gifts |
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2) Review your budget
Han Xianzhang, 18, Zhejiang University of Finance and Economics
Han spent 1,500 yuan in total. His cell phone fees totaled 300 yuan. This part of his spending (mainly used for talking to friends from high school) could be cut down as he begins to make more friends at university. Han spent 450 yuan while eating three meals a day at the school's dining hall. He will likely he unable to cut much from this part of his budget. Since he recently spent 300 yuan on a bike, this cost should be divided by 48 months (supposing that he uses the bike for 4 years), which is 6.3 yuan a month.
Money saving tips
1) Only spend money on things that you need. In li's case, we can suppose the first pair of shoes that Li really needed, the second pair he simply wanted.
2) Small expenses can add up quickly. For instance, a 1.5-yuan bottle of water bought every day can add up to 45 yuan a month.
3) The low-down on high tech. Everybody needs cellphone these days, but buying ring tones, backgrounds and games can get expensive.
短语学习：
electricity fee 电费
create a sample 创造了一个样板
budget sheet 预算表
cellphone; mobile phone; handset 手机
dine out 外出就餐
tuition fee 学费
review your budget 回顾你的预算
finance and economics 财经
in total 总共
be divided by ... 由……平分
money saving tips 省钱小贴士
add up 叠加
the low-down on high tech 在高科技上要求放低
ring tone 铃声
单词学习：
expense n. 花费，费用
laundry n. 洗衣房，洗衣店
sample n. 样品；实例，标本
transportation n. 交通费；运输
sheet n. 图表
track v. 追踪
Internet n. 因特网，互联网
haircut n. 理发
entertainment n. 娱乐
create v. 创造
budget n. 预算
saving n. [P]储金，存款，储蓄额
electricity n. 电
subway n. 地铁
recreation n. 消遣，娱乐活动
tuition n. 学费
review v. 复审，审查
economics n. 经济学
divid v. 划分；分开
finance n. 财政，金融
dorm n. 宿舍
dine v. 进餐，用餐
karaoke n. 卡拉OK
tip n. 小贴士，提示
tech n. = technology， 科技
background n. 背景
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