如何改掉乱花钱的毛病

如何改掉乱花钱的毛病

　　如何改掉乱花钱的毛病?下面小编为大家整理了改掉乱花钱的毛病的方法，欢迎大家阅读参考!

　　如何改掉乱花钱的毛病

　　Few people need to be told not to overspend on credit or debit cards or to curbimpulse shopping. You know you shouldn't, even if you always do. What you need are solutions. Whatever your problems with money, you can change – but it's going to take work. After all, you're trying to break lifelong patterns. Start with these strategies.

　　极少有人需要别人提醒：不要超支信用卡或借记卡，要注意冲动消费的问题。你知道这些道理，即使你还是一直这样做。你需要解决这些问题了。不管你在花钱上有什么坏习惯，你都可以改变，但需要你用心去做。不管怎么说，起码你已经想要开始改变长期以来的习惯了，让我们从下面这些方法开始吧。

　　Set realistic goals.

　　设立实事求是的目标

　　A lot of people set themselves up for failure because they have a mindset of either indulgence or deprivation. If you try to deprive yourself of too much, where you spend almost nothing, then you end up giving up, and you indulge, and then you overspend. So if you have an unrealistic plan, you're probably going to lose control. Good habits happen when planned; bad habits happen on their own.

　　很多人无法成功改变，是因为在他们的观念中要么放纵要么克制。当你试图克制自己不花一分钱时，结果只会是你因无法忍受而放弃。然后你就会放纵自己，最终变成过度消费。因此如果你为自己制定的计划是不符合实际的，你很可能会失去控制。好习惯的养成源于合理的计划，坏习惯则是自发的。

　　Change your mindset.

　　改变你的观念

　　Smith-Acuna says she had a couple in therapy who constantly quibbled about what she feels has become a monetary cliche. They would always argue about how much money they were spending at Starbucks.The wife loved capping off each workday with a gourmet drink. Ultimately, the wife ended up quitting her Starbucks habit. Instead of replacing her drink with nothing, she got something else, something free, in return.

　　史密斯·阿库纳谈到，她曾为一对夫妇提供心理咨询，他们常常在老生常谈的金钱问题上模棱两可，甚至经常为他们在星巴克消费了多少而吵个不停。因为妻子喜欢在每天下班后买一杯可口的饮料。不过最终妻子改掉了这个习惯，她不再经常买饮料，而是喝一些免费的饮品。

　　Change how you spend your money.

　　改变你花钱的方式。

　　It's a good start if you switch from paying for merchandise and services with a debit or credit card to paying with cash. It's easy when you're using plastic to mindlessly swipe and fall into a pattern of not thinking or noticing how much you're actually spending. You can divide up your money and put it into envelopes, marking down on the envelopes what each pile of money is for. That can make it easier to see where your money is going.

　　如果你能够将刷卡消费的习惯改成现金消费，将是个很好的开始。当你毫不在意地刷卡消费时，你很容易感觉不到自己具体花费了多少。你可以将你的钱分成几份将其放入信封，并在信封上写明每笔钱的'用处。这样你就可以清楚的知道你的钱都花在了哪里。

　　Track your spending.

　　记账

　　Get a receipt for every purchase. Breaking up your expenses into categories like food, clothing, housing, medical care and so on, but also labeling each expense as a need or a want. Be realistic as to what is really necessary. A need is something where you would die or go to jail if you didn't spend the money or ruin your credit. At the end of the month, total up all the categories. Do this, and you'll be more educated about how much money you actually have, and how much you have left over for fun stuff.

　　每次消费都要留收据或发票。将你的花费分类记录，比如食品、衣服、家用、医疗等等。并区分哪些是必须买的，哪些只是你想要买的。要确认真正的必需品。真正的必需品就是如果你不花钱或者花费信用购买你就生存不下去或者会去犯罪的物品。然后在每月月底，将每一类花费汇总起来算算自己的开销情况。坚持这样做下去，你将会越来越清楚你实际应该花费多少，又有多少钱是花在了享乐上。

　　Reward yourself

　　奖励自己

　　There is probably a reason you developed bad habits, which are often adopted on the road easier traveled. So if you're suddenly balancing your bank account every day, or you're regularly putting money into an emergency fund, plan to give yourself some sort of prize for the past two weeks, you've been saving money or spengding it more wisely. You can probably afford it.

　　在省钱的过程中，有时一个更轻松的选择可能就会让你养成坏习惯。因此，如果你意外地每天都能平衡开支，或者将钱存起来以备急用，那么也要在计划中给过去的两周一个奖励。你已经学会如何存钱，如何更加合理的用钱了，那么相信你是负担得起这偶尔一次的享受的。