Once you look at your hard costs ( the costs you can't compromise on such as mortgage payments or rent, school fees, direct debits ), you can begin to see areas you can cut back on.

一旦你查看了你的硬成本（你不能妥协的成本， 例如抵押贷款付款或租金、学费、直接借记）， 你就会开始看到你可以削减的领域。