避免冲动消费
We’ve all been there – standing in a store with a handful of things that you don’t really need. Or you could be the type of person who spends money just to have something to do. Or maybe you shop because you’re hoping to feel better about something. Anyway you cut it – it is impulse spending. Here are a few questions that you can think about and answer.1.) Does your spouse or partner complain that you spend too much money?
2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?
3.) Do you have more shoes and clothes in your [b]closet(n.[/b][b]储藏室)[/b] than you could ever possibly wear?
4.) Do you buy things you didn’t know you wanted until you saw them on display in a store?
[u]If you answered yes to two or more of these questions, you may be an impulse spender![/u]
Knowing that the problem exists is the first step. The next step is starting to set some financial goals. Make them small – even if it’s only a one week goal like not buying any coffee for the week and putting the money you would have spent into an account. Accomplishing goals is a major motivating factor for anyone. [b]So start small, and build big.[/b]
Next, you need to start to understand the difference between your wants and your needs. This can be hard to do especially if you are a long time impulse spender. One way you can help yourself with this it to give yourself a [b]mandatory(adj.[/b][b]强制的)[/b] waiting period before any purchases. If you can wait for 24 hours, that’s great! If all you can muster is an hour – then it’s a start.
我们都试过，在商店里买了一大堆自己并不需要的东西。或者你是属于那种为打发时间而花钱的人; 亦或者你购物是为了发泄情绪，让自己感觉好受些。不管是出自什么原因，你都得赶快悬崖勒马：这是冲动消费。
以下一些问题可供思考和回答：
1. 你的爱人或伙伴是否曾抱怨过你花费过多的钱？
2. 你是否为每个月的帐单数目比你想象的多得多而惊讶不已？
3. 你是否拥有多余的衣服鞋子放在柜中，而这些你也许从不曾穿过？
4. 你是否见到一些商品摆在商店时就买，而之前你并不知道你会想要这些东西？
如果你有两个以上的问题回答“是”的话，那么你很有可能是一个冲动消费者。
意识到问题存在本身是第一步。下一步则是开始设定一些财政目标。把目标小化：即使是一周目标，如一周内不买任何咖啡，然后把这些钱存进账户。实现目标是每个人的主要动力因素。 所以，始于小，成就大。
然后，你应该开始区分你想要的和你需要的。这一步很难做到，特别是如果你已是一个长期冲动消费者的情况下。一个有效的自救方法是你可以设立一个强制性的买前等候期。如果你可以买前等24个小时，那就太棒了! 如果你最多只能等1小时，那么这也是一个开始。 冲动是魔鬼。。。
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