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Conversation One
长对话一
Welcome to Money Matters, a weekly program that helps you manage your money.
欢迎来到Money Matters，帮助你管理金钱的每周栏目。
Tonight, I'll be talking to Mary Johnson about budgeting.
今晚，我将与玛丽·约翰逊聊聊预算的内容。
Hello, everyone.
大家好。
There's a magic about money.
钱是有魔力的。
When it's not planned for, tracked and kept a record of, it literally disappears.
如果你花钱没有计划，不经常做记录，钱就会这样消失掉。
What are some of the steps we can take to prevent this from happening?
我们要怎么做才能避免这种情况？
Well, it's all about keeping track of your money.
最重要的是记账。
If you don't do that, you'll never be able to set any goals for your budget or have the discipline to stick to them.
不这样做，就无法制定预算目标，也无法为坚持达成这些目标定立规则。
That's easier said than done.
这说起来容易做起来难。
I read recently that only 41% of Americans adhere to a budget.
我最近读到，只有41%的美国人坚持做预算。
Yes, but knowing what you earn and what you spend can give you reassurance that you won't get into debt in the first place.
是的，但清楚自己的收入和支出可以让你确保自己不会负债累累。
You can do this by adding up all of your sources of income you have and writing them all down on a piece of paper.
要做到这一点，你可以把你所有的收入加起来，写在一张纸上。
On the same page, write down all of your monthly expenses.
然后在同一页写下你这个月的所有开支。
I'm always amazed at how much my expenses add up.
我总是惊讶地发现我花了好多钱。
But designating each item as an income or an expense really helps me have a much better sense of all my spending.
但是，将所有款项按收入或支出分好类确实能让我对自己的所有支出做到心中有数。
Right, most people have no idea how much they spend each day, let alone each week or month, no matter how careful they are.
是的，大多数人都不知道自己每天花了多少钱，更不用说每周或每个月的花销了，无论他们在花钱时多么小心。
Next, subtract your monthly expenses from income.
接下来，用你每月的收入减去支出。
If the result is positive, you are living within your means.
如果结果是正数，就说明你做到了量入为出。
If the result is a negative number, you're going to have to cut back on your spending.
如果结果是负数，你就必须削减开支。
I'm usually a negative number.
我得到的结果通常都是负数。
I just can't resist the allure of all those prestigious goods.
我就是抗拒不了那些名牌商品的诱惑。
Well, it's not a catastrophe.
好吧，这也不是什么灾难性的事情。
But you do have to make some changes: try cutting back on those non-essential items, sell some stuff in your attic or shop online to avoid unnecessary temptations like chocolate.
但你确实必须做出改变：试着减少不必要的支出，卖掉你阁楼里的一些东西，或者在网上购物，以避免不必要的诱惑，比如巧克力。
Failing that you can always find yourself a part-time job.
如果做不到这一点，你还可以给自己找一份兼职工作。
Questions 1 to 4 are based on the conversation you have just heard.
请根据你听到的对话回答问题1至问题4。
Q1: What does the man say about the weekly program?
问题1：男士对每周栏目有什么看法？
Q2: What did the man read recently?
问题2：男士最近读到了什么？
Q3: What does the woman suggest the man do first to avoid getting into debt?
问题3：为了避免背负债务，女士建议男士首先要做的事是什么？
Q4:What does the woman say about online shopping?
问题4：女士对网上购物有什么看法？
