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1. 利用以下表格计算收入和支出,比较数目,了解自己花费习惯和问题,为今后保证每月有盈余打下基础:
Monthly Cash Flow Plan.png

2. 每月现金流计划表格有绝对主导权,一定要严格遵守。每个月开始之前打印出来写好预算,放在明显的地方,随时记录开销。
3. 七小步之第一步:用最快的速度存$1000现金应急存款,存放在安全需要时可以拿但是不方便拿的地方。



Key Concept #1 :Proceed One Step at a Time... but Keep Walking

1. The power of focus and priority is what causes our baby steps to work.
2. Be patient and don't try to do everything at once, or the progress can be very slow. Do the baby steps in order.
3. Balance Your Checkbook.

  • So you know how much you have and where it’s at.
  • Subtracting both checks and withdrawals and adding deposits, as they’re made, keep your checkbook balanced correctly.
  • Consumer Equity Sheet: What's your net worth? Find out with this form by determining how much you owe versus how much value each asset has.

4. A Basic Quickie Budget, follow these rules:

  • Every dollar of your income should be allocated to some category on budget.
  • Initially, your “savings” will go to building up an emergency fund. Later, this “savings” money needs to be allocated to items that need periodic replacement.
  • Fill in the amount for each subcategory under “subtotal” and then the total for each main category under “total”.
  • The line “percent of take-home pay” is the percentage of take-home pay that category represents.
  • Put an asterisk beside every item that should be part of your “envelope system”. Envelope system basically works like this: Put the amount in the monthly budget for a particular category in an available in cash. Spend money out of that envelope for purchases in that category — and don't cheat by borrowing from other envelopes, or switch money from envelope to envelope through the month.
  • Quick-Start Budget Form: A start to show you how much money you need every month to cover necessities
  • Income Sources Recap: If you work multiple jobs or have other streams of income, you can get them all down in one place here.
  • Lump Sum Payment Form: Use this form to help you calculate and save for expenses that happen on a non-monthly basis.
  • Recommended Percentages: How much do you need to budget for groceries? This form outlines Dave's recommended percentages for each category, making it easier to set up your budget.
  • Monthly Cash Flow Plan: Use the Monthly Cash Flow form to set up your basic monthly budget. This form helps you prioritize while giving every dollar a name.

5. The Bigger Budget Picture

  • The Allocated Spending Plan Form assumes that you get paid once a week. If you get paid once every two weeks, just use fewer columns. Here are some basic rules:
  • Each column is a pay period.
  • Date the pay period columns, then enter the total income for that period. As you allocate your paycheck to an item, put the remaining total balance to the right of the slash.
  • Make sure you “spend” your entire paycheck before you get paid ... on paper.
  • Many people have irregular incomes, use “irregular income planning” form.
  • Eventually, after your emergency fund is fully funded, you can start saving for certain items.
  • Allocated Spending Plan: Give every dollar a name. Use this form to break down each paycheck and tell your money where to go.
  • Irregular Income Planning: Many of us have irregular incomes. If you're self-employed or work on commission, this form will help you plan for your expenses.

Key Concept #2:Make a Written Budget the “Boss” of Your Spending

1. Set up a written budget, every month.

  • Give every dollar of your income a name before the month begins-zero-based budget.
  • You MUST become current.
  • If you are married, agree on the budget with your spouse.
  • Once the budget is agreed on and is in writing that you will never do anything with money that is not on the paper.
  • If something comes up in the middle of the month that causes the budget to need changing, you can change the budget only if (1) both spouses agree to the change (2) you must still balance your budget - so that your income minus your outgo still equals zero.

2. You will have to be current with all your creditors.

  • If you are behind on payments, the first goal will be to become current.
    If you are far behind, do you necessities first.
  • Only when you are current with the necessities can you catch up on credit cards and student loans.
  • After your current, have a written, agreed-on plan, have the obstacle course behind you, and a focused and intense, you are ready to follow the right priorities. Here we go.


Key Concept #3:Establish a Rainy-Day Fund
Baby Step One: Save $1000 cash as a starter emergency fund FAST.

  1. If your family income is under $20,000 a year, start with an emergency found out $500 and build up.
  2.  If you spend any of these emergency fund, immediately go back to this baby steps and the red planet that fund.

Key Concept #4:Hide Your Emergency Money in an “Available” Location

  1. Don’t touch it and keep it in “liquid funds”
  2. Keep it in a safe, “liquid,” accessible-but-not-readily-handy location.
  3. If you are at Baby Step Two in the next chapter, and you use some money from your emergency fund to fix the alternator, stop Step Two and return to Step One until the full $1000 is replenished.








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