I really need to balance my budget and handle my money better。

把你的信用卡給我，你花錢總是寅吃卯糧的。

Give me your credit cards. You’re living beyond your means。

我想更好地控制我的開銷。I want to control my spending better。

你需要更好地控制自己。You need to have more self-control。

你花錢太多了，而且大多數花費都是不太有必要的。You did spend too much, and most of the expense was kind of unnecessary。

我現在花錢太多了。I have been spending too much money。

我超出我的底限了。I am living above my limit。

這要一大筆開銷的。That’ll cost you an arm and a leg。

你知道，錢不是從天上掉下來的。

You know, money doesn’t grow on trees。

人生苦短，所以不要光存錢不花錢。Life is too short to him who’s been always saving money and not using it。

我必須得控制自己，因為我經常出去亂花錢。I have to control myself because I always go out and spend like crazy。

Expenses

Harry：Damn it, I’m running out of money again. I really need to balance my budget and handle my money better。

Lily：You did spend too much, and most of the expense was kind of unnecessary。

Harry：But I make it。

Lily：Though, you don’t have to spend every penny you make. You could save some every month, like a lot of other people do。

Harry：I work hard so I deserve to enjoy but that costs money。

Lily：You should save in case of an emergency. You need to have more self-control. What things did you spend your money on?

Harry：The problem is that I have no idea. I didn’t pay attention。

Lily：Let bygones be bygones. Start saving right now。