3. Be careful with your shopping habits:
3. 小心你的购物习惯：
People lose a lot of money in the supermarket for buying impulsively thus overshooting their budgets. To deal with this problem make sure to carry the exact budget meant for shopping and not a cent more.
人们在超市总是冲动地花很多钱买东西，因此超出预算规定。应对这个问题的方法就是确保花费购物的准确预算，不多花一分钱。
4. Take no Credit Card Debt my friend:
4. 把没有信用卡债务当成自己的朋友：
Credit card debt is expensive because of high interest rates associated with this type of consumer financing. If you must take credit card debt please ensure that you pay it in full within the stipulated time to avoid debt accumulation and other penalties such as late payment.
因为跟这种消费融资有关的高利率，所以信用卡债务是非常昂贵的。如果你必须承担信用卡债务，那么请确保在规定的时间内全部还清，避免债务的累积和如逾期付款之类的处罚。
5. Live within your means my friend and you won't get into financial trouble:
5. 把量入为出当成朋友，你将不会陷入财政困难：
So longs as you have a roof over your head, the rest you can persevere until you are able to save your way out of financial difficulty. If you can't afford a car, don't take a loan to buy one, take public transport instead.
只要你头上有个屋顶，剩下的你就能坚持，直到你能够得到解决困难的方法。如果你不够钱买汽车，不要贷款去买，用乘坐公共交通工具来代替。