1. Divvy up any unexpected income
分配好福利收入
When you have a windfall — a bonus, gift, or extra cash for extra work — use the rule of thirds to determine how to use it:
当你得到一笔意外之财时--奖金、礼物，或是赚到的外快--使用三分之一法则来决定如何使用它：
One third for the past. Use one third to pay down debt you owe.
三分之一用在过去。把三分之一的钱用来支付你欠下的债务。
One third for the future. Put a second third immediately into some sort of savings or investment.
三分之一用在未来。把第二个三分之一立刻进行储蓄或是投资。
One third for the present. Use the final third to make a home or personal improvement or purchase you want.
三分之一用在当前。把最后的三分之一用于家庭或个人改善，又或者是买你想要的东西。
If you follow this rule, you'll see your debt shrink and your savings grow, and you won't feel deprived.
如果你遵循了这个法则，你将看到你的债务在减少，而你的储蓄在增加。你也不会再觉得拮据了！