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A：Can you lend me fifty bucks?

你可以借我50美元嗎?

B：What? Again? Why do you keep running out of money?

什么?又借?你怎么老是缺錢?

A：I guess I don't earn enough.

我想是賺得不夠多。

B：No,I think it's how you budget your life, that's the problem.

不，我想是你沒有好好計劃開支，這才是問題所在。

A：That's my business, not yours.

那是我的問題，不關你事。

B：True enough, until the time comes that you need to take my money.I don't know where you're wasting your money but I think you need to take a look at what's really important.

你說得對，可是每次你來找我借錢，我不知道你是怎么花掉你的錢的，但是你應該想想什么事情真正值得花錢。

A：So how do you survive from pay day to pay day?

那你是怎樣度過沒有發工資的日子呢?

B：I don't just survive. I put money away as well.I know when I get paid where most of the cash will go, and I stick to my plan. If I follow a budget I don't have any nasty surprises.

我不僅僅“度日”，我還存錢，領了工資后，我知道錢該往什么地方花，而且我堅持這種做法，我遵循一個比較固定的預算。量人為出，這樣我就沒有你這種麻煩了。

A：I'm not disciplined enough I guess.

我想我無法那么自律。

B：In a few months I'm planning to invest my money into some foreign companies. I think you need to reevaluate your spending habits.

幾個月以后我打算把錢投資到一些外國公司去。我想你應該再反省一下你的花錢習慣。