你過(guò)度消費(fèi)的三個(gè)原因

你過(guò)度消費(fèi)的三個(gè)原因

IT'S HARD TO RESIST THE allure of impulse purchases. While everyone knows the importance of making smart money decisions, many people fall into the trap of overspending even while trying to cultivate good financial habits.

人們很難抗拒沖動(dòng)購(gòu)物的誘惑。雖然每個(gè)人都知道做出明智的理財(cái)決定的重要性，但許多人甚至在試圖養(yǎng)成良好的理財(cái)習(xí)慣時(shí)，也會(huì)陷入過(guò)度消費(fèi)的陷阱。

While some people may overspend by neglecting their savings, others may waste money on impulse purchases rather than focusing on priorities like family travel, retirement or college. Once you know the how and why behind overspending, you can break the habit. Read on to learn more about how and why overspending happens and expert-backed tips for eliminating wasteful purchases for good.

雖然有些人可能會(huì)因?yàn)楹鲆晝?chǔ)蓄而超支，但其他人可能會(huì)把錢浪費(fèi)在沖動(dòng)購(gòu)物上，而不是把重點(diǎn)放在家庭旅行、退休或上大學(xué)等優(yōu)先事項(xiàng)上。一旦你知道了過(guò)度消費(fèi)背后的原理和原因，你就能改掉這個(gè)習(xí)慣。繼續(xù)往下讀，了解更多關(guān)于過(guò)度消費(fèi)是如何發(fā)生的，為什么會(huì)發(fā)生，以及專家支持的永久消除浪費(fèi)的建議。

How Overspending Happens

過(guò)度消費(fèi)是如何發(fā)生的

Curtailing small expenses like a daily morning latte is often touted as the quintessential example of maximizing savings and improving your budget. However, buying little luxuries like coffee isn't a problem, says Chad Chubb, a certified financial planner and founder of the advisory firm Wealthkeel in Philadelphia. "If you value coffee and that's where you want to spend your money, that's fine," he explains.

像每天早上削減一杯拿鐵咖啡這樣的小開銷常常被吹捧為最大限度地節(jié)約和提高預(yù)算的典型例子。不過(guò)，注冊(cè)理財(cái)規(guī)劃師查德•丘布(Chad Chubb)、費(fèi)城咨詢公司wealth thkeel的創(chuàng)始人表示，購(gòu)買咖啡等少量奢侈品并不是問(wèn)題。他解釋說(shuō):“如果你重視咖啡的價(jià)值，而你又想把錢花在咖啡上，那就沒問(wèn)題。”

The problem comes from people buying that coffee when they can't actually afford it. "There's a huge problem in our country with people having debt," says Scott Butler, a retirement income planner at the wealth management firm Klauenberg Retirement Solutions in Laurel, Maryland. Most often, it's not big purchases that add to consumer debt but small purchases made repeatedly, he says.

這個(gè)問(wèn)題來(lái)自于人們?cè)谫I不起咖啡的時(shí)候去買咖啡。位于馬里蘭州勞雷爾市的財(cái)富管理公司Klauenberg retirement Solutions的退休收入規(guī)劃師斯科特•巴特勒表示:“在我們國(guó)家，人們背負(fù)債務(wù)是一個(gè)巨大的問(wèn)題。”他說(shuō)，通常情況下，增加消費(fèi)者債務(wù)的不是大額購(gòu)買，而是反復(fù)進(jìn)行的小額購(gòu)買。

Why People Overspend

人們?yōu)楹芜^(guò)度消費(fèi)

Ignorance

無(wú)知

Many people overspend because they have no concept of how much money passes through their wallet on a daily basis. They may have an estimate of what they pay for gas, groceries and clothing, but that number is often far from reality.

許多人過(guò)度消費(fèi)是因?yàn)樗麄儾恢烂刻煊卸嗌馘X通過(guò)他們的錢包。他們可能對(duì)自己在汽油、雜貨和服裝上的花費(fèi)有一個(gè)估計(jì)，但這個(gè)數(shù)字往往與現(xiàn)實(shí)相去甚遠(yuǎn)。

Making Purchases With a Credit Card or Digital Wallet

用信用卡或數(shù)字錢包購(gòu)物。

Paying with a credit card, debit card or digital wallet is convenient. But that added convenience can make it more challenging to monitor your spending habits. "It's so easy to part with your money," Lum says. Handing over physical cash can make the cost of the purchase more obvious and lead people to think twice before buying.

用信用卡、借記卡或數(shù)字錢包支付很方便。但這種額外的便利會(huì)讓你更難以監(jiān)控自己的消費(fèi)習(xí)慣。“花錢太容易了，”林說(shuō)。交實(shí)物現(xiàn)金可以讓購(gòu)買的成本更加明顯，并導(dǎo)致人們?cè)谫?gòu)買前三思。

A Lack of Self-Discipline

缺乏自律

It takes willpower to say no to something you want immediately. "One of the big reasons people overspend is that they don't think ahead," Butler says.

對(duì)你想要的東西立即說(shuō)不，需要意志力。巴特勒說(shuō):“人們超支的一個(gè)主要原因是他們沒有提前考慮。

How to Stop Overspending

如何停止過(guò)度消費(fèi)

· Make a spending plan.

做一個(gè)消費(fèi)計(jì)劃

· Create small concrete goals.

制定小而精確的目標(biāo)

· Automate savings.

自覺存款

· Spend in moderation.

適度花費(fèi)

· Calculate the work cost.

計(jì)算工作成本。

· Find other ways to reward yourself.

找其他獎(jiǎng)勵(lì)自己的方法