Nhắm đến những khoản chi tiêu có thể cắt giảm. Ước tính và đưa những khoản chi tiêu đột xuất vào ngân sách. Tính toán về chi phí cho các mục tiêu ngắn hạn, trung hạn và dài hạn. Lập bản ngân sách mới.

Given the above summary, write a detailed text in English for it.
Set limits on discretionary spending in particular. Pick a set amount that you cannot go over each month and stick to it.  It’s fine to budget for discretionary spending -- you can’t live a life without any fun. However, setting a budget and sticking to it will help keep that spending in check. For example, if you routinely go to the movies, set a budget of $40 a month for movie tickets. Once you’ve spent that $40, you can’t go to any more movies until the next month. Even your essentials section should be looked at closely. Regular expenditures should usually only take up so much of your income. For example, food purchases should only take up 5 to 15 percent of your budget. If you are spending more than that, you should consider cutting back on that spending. Obviously, the percentage you spend will vary; for example, for groceries it will vary depending on things like the price of groceries, your family size, and any special nutritional needs. The point is simply to make sure you aren’t spending money you don’t need to. For example, do you spend a lot of money on prepared foods that are more expensive, when you could cook more at home? By incorporating expenses for possible contingencies into your budget, unexpected medical, car, or house maintenance costs will have less impact on your overall budget and financial health.  Estimate what you might have to spend on these in a year and divide by 12 for your monthly budget. Your buffer will mean that if you go slightly over your weekly spending limit, it will not affect your hip pocket and will not end up going on the dreaded credit card. If you get to the end of the year and have not needed to use your buffer for these types of expenses, then great! You will have extra money that you can funnel into your savings or retirement investment plans. These are not contingency costs but instead are part of your plan. Do you need to replace any household items this year? Do you need a new pair of boots this year? Do you want to buy a car? Plan for this in advance and...