五種方法幫你改掉亂花錢(qián)的壞習(xí)慣（雙語(yǔ)）

　　以下是學(xué)習(xí)啦小編整理的英語(yǔ)文章：五種方法幫你改掉亂花錢(qián)的壞習(xí)慣，希望大家能有所收獲。

　　Few people need to be told not to overspend on credit or debit cards or to curbimpulseshopping. 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

　　一些人需要?jiǎng)e人提醒，不要透支信用卡或借記卡，要注意沖動(dòng)消費(fèi)的問(wèn)題。也許你一直在過(guò)度消費(fèi)可是你卻不自知。那么你需要解決這些問(wèn)題了。不管你在花錢(qián)上有什么壞習(xí)慣，你都可以改變，但需要你用心去做。不管怎么說(shuō)，起碼你已經(jīng)想要開(kāi)始改變長(zhǎng)期以來(lái)的不良消費(fèi)習(xí)慣了，讓我們從下面這些方法開(kāi)始吧

　　Set realistic goals.

　　制定符合實(shí)際的目標(biāo)。

　　A lot of people set themselves up for failure because they have a mindset of eitherindulgence 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.

　　很多人無(wú)法成功改變，不是因?yàn)樗麄児逃械姆趴v觀念就是因?yàn)楣逃械目酥朴^念。當(dāng)你試圖克制自己不花一分錢(qián)時(shí)，結(jié)果只會(huì)是你因無(wú)法忍受而放棄。然后你就放縱自己，最終變成過(guò)度消費(fèi)。因此如果你為自己制定的計(jì)劃是不符合實(shí)際的，你很可能會(huì)失去控制。好習(xí)慣的養(yǎng)成源于合理的計(jì)劃，壞習(xí)慣的發(fā)生也可能源于不合理的計(jì)劃。

　　Change your mindset.

　　改變你的觀念。

　　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 agourmetdrink.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·阿庫(kù)納說(shuō)她曾為一對(duì)夫婦提供心理咨詢，他們經(jīng)常因妻子亂花錢(qián)而爭(zhēng)吵，甚至經(jīng)常為他們?cè)谛前涂讼M(fèi)了多少而吵個(gè)不停，因?yàn)槠拮酉矚g在每個(gè)工作日為自己購(gòu)買(mǎi)一杯可口的飲料。不過(guò)最終妻子改掉了這個(gè)習(xí)慣，她不再經(jīng)常買(mǎi)飲料，而是喝一些免費(fèi)的飲品。

　　Change how you spend your money.

　　改變你花錢(qián)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 theenvelopes what each pile of money is for. That can make it easier to see where your money is going.

　　如果你能夠?qū)⑺⒖ㄏM(fèi)的習(xí)慣改成現(xiàn)金消費(fèi)將是很好的開(kāi)始。刷卡消費(fèi)很容易讓你感覺(jué)不到自己具體花費(fèi)了多少，并且養(yǎng)成無(wú)意識(shí)消費(fèi)的習(xí)慣。你可以將你的錢(qián)分成幾份將其放入信封，并在信封上寫(xiě)明每筆錢(qián)的用處。這樣你就可以清楚的知道你的錢(qián)都花在了哪里。

　　Track your spending.

　　記賬。

　　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.

　　購(gòu)買(mǎi)東西盡量保留收據(jù)或發(fā)票。將你的花費(fèi)分類記錄，比如食品、衣服、家用、醫(yī)療等等。并區(qū)分哪些是必須買(mǎi)的，哪些只是你想要買(mǎi)的。對(duì)于什么是真正必須購(gòu)買(mǎi)的要確認(rèn)清楚，它是指如果你不買(mǎi)你就生存不下去的物品，以及如果你不買(mǎi)就有可能引誘使犯罪或者造成不良信譽(yù)的物品。然后在每月月底，將每一類花費(fèi)匯總起來(lái)算算自己的開(kāi)銷情況。堅(jiān)持這樣做下去，你將會(huì)越來(lái)越清楚你實(shí)際應(yīng)該花費(fèi)多少，有多少錢(qián)是花在了享樂(lè)上。

　　Reward yourself

　　獎(jiǎng)勵(lì)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.

　　在省錢(qián)的過(guò)程中也可能會(huì)有某種原因讓你養(yǎng)成壞習(xí)慣。如果你突然每天都能平衡開(kāi)支，或者將錢(qián)存起來(lái)以備急用，那么每半個(gè)月獎(jiǎng)勵(lì)以下自己吧。你已經(jīng)學(xué)會(huì)如何存錢(qián)，如何更加合理的用錢(qián)了，那么相信你是負(fù)擔(dān)得起這偶爾一次的享受的。