作者又给忘了？

A: Welcome Mr and Mrs Carnwell, please take a seat.
B: Thank you.
A: So I understand that your family spending has skyrocketed and you want to start budgeting.
C: Yes, that's correct. Frankly speaking, our household income is relatively high and we have never had any money problems, but I think this is the main reason as to why our spending has gone out of control.
B: We have two kids with allowances, and we pay their credit cards, ours and not to mention our mortgage and car payments. With the recent economic downturn, my husband's business has suffered and now we need some advice as to how we can prepare a family budget.
A: I see. Well, you have come to the right place. First what we need to do, is to determine your cash flow. Knowing how much money is coming in will help us allocate spending to different categories such as mortgage, education, groceries, etc.
B: Yes, that makes sense.
A: Secondly, I need you to bring all of your receipts for the last two to three months. That way, we can determine what your average expenditures are and see which category you are spending the most money on. Usually, your fixed costs are higher and we can't do much about that, but we can usually trim your variable costs such as entertainment or clothing.
C: Great! We will do that then! Now how about we treat you to a nice dinner?
A: That's another thing. If you really want to stop spending so much money, throw away at least half of your credit cards!
A：欢迎Carnwell夫妇，请坐。
B：谢谢。
A：那么我了解到了你们的家庭支出在飞涨，于是从现在起你们打算要做个预算。 C：是的，你说的没错。一般来讲，我们的家庭收入算是相对较高的了，我们从来没有任何财政问题，但我认为这就是为什么我们的支出会超出控制的主要原因。
B：我们有两个孩子并且都有补贴，支付他们和我们自己的信用卡，还不算房贷和车的花销。随着近日经济的下滑，我丈夫的事业受到很大的影响，现在我们需要了解到的是如何做一个家庭预算。
A：我明白了。那么你是来对地方了。我们首先要做的是，确认一下你们现在的流动资金。知道有多少钱可以帮助你们分配在不同物品的花销上，如房款、教育、生活用品等。
B：是的，你说的有道理。 A：其次，我需要你们把上两三个月的所有收据都带来。那样的话，我们就可以确认一下你们的平均支出并看看你们哪一项的花销最多。通常来说，你们的固定花销比较高，我们对此也束手无策，但是通常我们可以削减你们的可变花销，例如娱乐和服装。
C：太好了！我们会按照那样做的！那么现在我们请你吃顿饭怎么样？
A：是另一码事。如果你们真的想终止高额的花销，至少要扔掉你们一半的信用卡。