07 理财(6/7)
goes on.
麦琪：那不是很麻烦吗？有时我甚至不知道钱花哪儿了。
julie: so we need an account book to keep track of every single daily expense.write down the exact number after each expenditure at once, and then you won't forget it.
朱莉：所以我们才需要一个账本记录每次的日常开销。花钱后马上记录下来就不会忘了。
maggie: how long have you kept the habit of recording the expenditure?
麦琪：你记账的习惯有多久了？
julie: about three months. i find it's very useful to give me a full-on reality check and make me know where my money goes. i'll see which the unnecessary expenditure is and then reduce waste. gradually i kickstarted my “spend less, save more” financial plan.
朱莉：大概有3个月了。我发现记账有利于对账，让我知道我的钱花在哪方面了。我会看到哪些是不必要的开支，然后减少浪费。渐渐地，我就开始了“少花钱，多节省”的理财习惯。
maggie: oh, i got it. it sounds not bad.
麦琪：哦，我知道了。这个理财习惯听起来不错。
notes
1. rough idea 大致的想法；大体的意思
2. incentive [in'sentiv] adj. 刺激的；鼓励的；n. 刺激；鼓励；动机
3. account book 账簿
4. keep track of 跟上……的进展；记录；保持和……的联系
5. full-on [ful'?n] adj. 最典型的，最强烈的
6. reality check 现状核实；提醒人面对现实的事件
7. kick-start ['kik?sta:t] v. 启动，脚踩发动；n. 起动踏板
8. financial pla 财政计划，财务计划
小贴士
you can do a better job of keeping track of your money once you find where it's going. is it hard for you to keep track of where your money is going? try online account for great graphing technology that monitors your finances. do you know what online account is? it's a written budget on the internet. it keeps you on track and gives you a visual representation of your overall financial picture. there are many websites offering such kind of services and even giving you a free credit report.
记账是个好习惯，你可以通过记账发现自己的钱花在哪些方面。你是不是觉得记账很困难呢？你可以尝试一下网上记账，它能够提供管理财务的强大制图技术。什么是网上记账？它是写在网络上的财务预算，使你能够对自身的财务状况有一个非常直观的认识。现在有很多网站都提供这样的服务，甚至还提供免费的信用报告。
繁琐的贷款
dialogue
karl wants to buy a car but his money is not enough, so he decides to ask the bank for help.
卡尔想买一辆车，但他的钱不够，所以他决定求助于银行。
bank clerk: good morning, sir. what ca
麦琪：那不是很麻烦吗？有时我甚至不知道钱花哪儿了。
julie: so we need an account book to keep track of every single daily expense.write down the exact number after each expenditure at once, and then you won't forget it.
朱莉：所以我们才需要一个账本记录每次的日常开销。花钱后马上记录下来就不会忘了。
maggie: how long have you kept the habit of recording the expenditure?
麦琪：你记账的习惯有多久了？
julie: about three months. i find it's very useful to give me a full-on reality check and make me know where my money goes. i'll see which the unnecessary expenditure is and then reduce waste. gradually i kickstarted my “spend less, save more” financial plan.
朱莉：大概有3个月了。我发现记账有利于对账，让我知道我的钱花在哪方面了。我会看到哪些是不必要的开支，然后减少浪费。渐渐地，我就开始了“少花钱，多节省”的理财习惯。
maggie: oh, i got it. it sounds not bad.
麦琪：哦，我知道了。这个理财习惯听起来不错。
notes
1. rough idea 大致的想法；大体的意思
2. incentive [in'sentiv] adj. 刺激的；鼓励的；n. 刺激；鼓励；动机
3. account book 账簿
4. keep track of 跟上……的进展；记录；保持和……的联系
5. full-on [ful'?n] adj. 最典型的，最强烈的
6. reality check 现状核实；提醒人面对现实的事件
7. kick-start ['kik?sta:t] v. 启动，脚踩发动；n. 起动踏板
8. financial pla 财政计划，财务计划
小贴士
you can do a better job of keeping track of your money once you find where it's going. is it hard for you to keep track of where your money is going? try online account for great graphing technology that monitors your finances. do you know what online account is? it's a written budget on the internet. it keeps you on track and gives you a visual representation of your overall financial picture. there are many websites offering such kind of services and even giving you a free credit report.
记账是个好习惯，你可以通过记账发现自己的钱花在哪些方面。你是不是觉得记账很困难呢？你可以尝试一下网上记账，它能够提供管理财务的强大制图技术。什么是网上记账？它是写在网络上的财务预算，使你能够对自身的财务状况有一个非常直观的认识。现在有很多网站都提供这样的服务，甚至还提供免费的信用报告。
繁琐的贷款
dialogue
karl wants to buy a car but his money is not enough, so he decides to ask the bank for help.
卡尔想买一辆车，但他的钱不够，所以他决定求助于银行。
bank clerk: good morning, sir. what ca
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