你过度消费的三个原因

你过度消费的三个原因

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.

人们很难抗拒冲动购物的诱惑。虽然每个人都知道做出明智的理财决定的重要性，但许多人甚至在试图养成良好的理财习惯时，也会陷入过度消费的陷阱。

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.

虽然有些人可能会因为忽视储蓄而超支，但其他人可能会把钱浪费在冲动购物上，而不是把重点放在家庭旅行、退休或上大学等优先事项上。一旦你知道了过度消费背后的原理和原因，你就能改掉这个习惯。继续往下读，了解更多关于过度消费是如何发生的，为什么会发生，以及专家支持的永久消除浪费的建议。

How Overspending Happens

过度消费是如何发生的

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.

像每天早上削减一杯拿铁咖啡这样的小开销常常被吹捧为最大限度地节约和提高预算的典型例子。不过，注册理财规划师查德•丘布(Chad Chubb)、费城咨询公司wealth thkeel的创始人表示，购买咖啡等少量奢侈品并不是问题。他解释说:“如果你重视咖啡的价值，而你又想把钱花在咖啡上，那就没问题。”

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.

这个问题来自于人们在买不起咖啡的时候去买咖啡。位于马里兰州劳雷尔市的财富管理公司Klauenberg retirement Solutions的退休收入规划师斯科特•巴特勒表示:“在我们国家，人们背负债务是一个巨大的问题。”他说，通常情况下，增加消费者债务的不是大额购买，而是反复进行的小额购买。

Why People Overspend

人们为何过度消费

Ignorance

无知

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.

许多人过度消费是因为他们不知道每天有多少钱通过他们的钱包。他们可能对自己在汽油、杂货和服装上的花费有一个估计，但这个数字往往与现实相去甚远。

Making Purchases With a Credit Card or Digital Wallet

用信用卡或数字钱包购物。

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、借记卡或数字钱包支付很方便。但这种额外的便利会让你更难以监控自己的消费习惯。“花钱太容易了，”林说。交实物现金可以让购买的成本更加明显，并导致人们在购买前三思。

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.

对你想要的东西立即说不，需要意志力。巴特勒说:“人们超支的一个主要原因是他们没有提前考虑。

How to Stop Overspending

如何停止过度消费

· Make a spending plan.

做一个消费计划

· Create small concrete goals.

制定小而精确的目标

· Automate savings.

自觉存款

· Spend in moderation.

适度花费

· Calculate the work cost.

计算工作成本。

· Find other ways to reward yourself.

找其他奖励自己的方法