防止乱花钱的方法.docx

防止乱花钱的方法防止乱花钱的方法乱花钱会让人不快乐这个问题比一年前波及面更广了。买了东西又懊悔让人感到非常不愉快。接下来，我给大家准备了防止乱花钱的方法,欢迎大家参考与借鉴。防止乱花钱的方法Beinganunder-buyer,asopposedtoanover-buyer,Idontgenerallyhavemuchtroubleavoidingoverspending.Ihavemoretroubleprodding1myselftomaketheefforttobuythingsIactuallyneed.身为一个“少买而不是“多买的人，我很容易制止本人乱花钱。我的问题在于怎样讲服本人去买该买的东西。Nevertheless,evenwithmyunder-buyingways,IsometimescomehomewithsomethingIdidntreallyneedtobuy.Storesuseextremelycleverstrategiestowinklecustomersintomakingpurchases.Herearesomestrategiestomakesureyoudontmakepurchasesyouregret:然而，即使像我这种“少买的人，有时还是会买回一些不需要的。商店采用极其聪明的手段引诱顾客购买。下面这些方法能让你买了东西不至于懊悔:1.Bewary2ofthecheck-outareas.Therearelotsofenticing3littleitemshere;askyourselfifyoureallyneedsomethingbeforeyouaddittoyourpile.HowmanytimeshaveIpickedupajarofBalmex?留心收银台区，那里有很多诱人的小商品。在把它扔进购物车之前，问一问本人是不是确实需要这件东西。有多少次我拿起了一罐Balmex尿片?2.Getinandgetout.Themoretimeyouspendinastore,themoreyourelikelytobuy.Evenbetter:dontevengointhestore.Thenyoudefinitelywontbuy.速战速决。你在商店花的时间越多，买的就越多。最好连去都不要去，这样你就不会买了。3.Questiontheneedforanupgrade.Youmightwantthatdevicewithaslicknewfunction,ortogettheimprovedversionofwhatyouhavenow,butdoyoureallyneedit?对“升级的需要提出质疑。你想买那个有花俏新功能的东西，或者用升级版替换掉你现有的那个，但是，你真的需要吗?4.Bepolitetosalespeople4,butdontfeelliketheyreyournewbestfriends.Dontbuysomethingbecauseyoureworriedabouthurtingtheirfeelingsorhavingmadethemdoalotofworkhelping5youorexplainingproductstoyou.(Atthesametime,berespectfulofclerksefforts.Theotherday,IwasinGapKids,andIsawsomeoneriflethroughapileofbeautifullystackedshirtsinawaythatmeantthattheydallhavetobere-folded.Washemalicious6oroblivious7?Icouldnttell.)对销售人员要礼貌，但别把他们当成你新结识的最要好的朋友。不要由于担忧伤害到他们的感情而去购买，也别由于他们的努力帮助或讲解就非得买某样东西。(同时，还是要对店员的努力表示尊重。几天前，我在GapKids，发现有个人把一堆叠得整整洁齐的衬衫翻得乱七八糟，弄得每件都要重新叠过。他是恶作剧还是不自觉?我不知道。)5.Dontshopwhenyoureinahurryorwhenyourehungry.不要在匆忙或饥饿的时候购物。6.Sticktoalist.IvefoundthatafterIvedecided8tobuyonething,Imfarmorelikelytothrowinotherimpulseitems,becauseIknowthatImcommittedtogoingthroughthehassleofpaying.严格遵循购物单。我发如今决定了要买一件东西后，总容易一时冲动买其它商品，由于我知道不管买多少，付款的繁琐都是免不了的。7.Bewareofsaleitems,whichmakeyoufeellikeyoucantaffordnottobuy,orlimited-timeoffers,whichmakeyoufeellikeyouhavetotakeadvantageofaspecialdeal.Ifyoudontneedorwantsomething,itsnotagooddeal,notmatterhowcheapitis.Afriendofminetoldherhusband,Igotthis50%off!andheanswered,“Thatmeansitwas50%ON.Alongthesamelines留神促销品，它们让你感到本人不能不买。也要留神限时优惠，这会让你感到占了便宜。假如你不需要或不想要某样东西，不管价格多么便宜也别买，这不是一笔好买卖。我的一位朋友告诉它的丈夫：“我五折买下的这件东西!她的丈夫回答：“那讲明原来卖贵了一倍。同理.8.Dontbuyanythingthatyoudontknowyouneedthisisespeciallyimportantwithclothes.Ifyourenotcareful,youcanbuyapairofpantsmarkeddown75%,thenrealizethatyoucantreallywearthemunlessyoubuytherightshoestogowiththem.不要买本人都不知道能否需要的东西，尤其是衣服。假如你不小心，你可能会买下一条标价2.5折的裤子，随后发现只要再买一双鞋和它搭配，否则根本穿不了。9.Choosecashorcreditcard.Somepeoplefinditfarhardertospendactualphysicalcash;otherpeoplefindthatpayingcashmakesapurchaseseemtrivial,evenwhenthedollaramountishigh.Knowwhetheryouremoreinclinedtooverspendwithcashorcreditcardsandleavethatpaymentmethodathome.选择用现金或信誉卡。有的人购物时，假如是付现金，就觉得不舍得买了;而有的人相反，花现金让他/她感觉买东西只是小事情，不管那东西有多贵。知道是现金还是信誉卡更容易让本人乱花钱，然后，将那个付款法收起来。扩展：到底什么是快乐?Assomeonewhowritesabouthappiness,Imoftenchallengedtoanswerthesethreequestions:作为一个写有关“快乐的文章的人，我通常被问到下面的3个问题：1.HowdoIdefinehappiness,anyway?我到底是怎样定义“快乐?2.Insteadofhappiness,whichisfleeting/deceptive/egotistical/illusory,isnttherealgoaltoachievejoy/contentment/satisfaction/peace/self-realizationorfillintheblank?与其追求“快乐这种短暂的/骗人的/自私性的/虚幻的东西，难道我们不该追求愉快/知足/满意/安然平静/自己实现或其他什么吗?3.Howcanweagreeonwhatitmeanstoachievethesestates?WhatImeanbyhappinessmightnotbewhatyoumeanbyhappiness.Yousayhappinessisawarmpuppy;IsayhappinessislivingaloneinacabinatWaldenPond;etc.对于我们而言，实现这些状态意味着什么呢?我对快乐的定义和你的不一样。你讲快乐是一只暖和的小狗;我讲快乐是单独住在WaldenPond的一间小木屋里面;等等。Inlawschool,wespentanentiresemesterdiscussingthemeaningofacontract,andIknowalltoowellhowatermcanelude1youasyoutrytodefineit.Forthepurposesofmyhappinessproject,Idecided2nottoworryaboutdefinitionstoomuch.Inscholarship,theresmeritindefiningtermsprecisely3,andonepositivepsychology4studyidentifiedfifteendifferentacademicdefinitionsofhappiness,butwhenitcametomyproject,spendingalotofenergyexploringthedistinctionsamongcontentment,positiveaffect,subjective5well-being,hedonictone,andamyriad6ofothertermsdidntseemnecessary.IdecidedinsteadtofollowthehallowedtraditionsetbySupreme7CourtJusticePotterStewart,whodefinedobscenitybysaying,IknowitwhenIseeit.在法学院，我们花了一整个学期讨论“合同的定义，我很了解，越想定义一个术语，越难以捉住这个术语的含义。为了我的快乐计划，我决定不去考虑定义。在学术方面，准确定义术语是有价值的，有一个积极的心理学研究为快乐找出了十五种不同的学术定义，但是在我的计划里，似乎没有必要花很多精神讨论“自足、“积极影响、“主观幸福、“享乐情调等无数个其它术语之间的区别。相反，我决定追寻最高法院大法官波特斯图尔特的神圣传统他用一句“当我看到它就会认出它的话定义猥亵。Ithinkitsenoughtothinkaboutbeinghappier.Evenifwedontagreeaboutwhatitmeanstobehappy,wecanagreethatwhateverhappinessmeans,itwouldbenicetobehappier.Ithinktheloosenessofthetermhappinessisactuallyhelpful;itsaconceptlargeenoughtoembracemanydifferentperspectives.我以为考虑“更快乐就足够了。即使我们对“快乐的定义不一致，但我们认同不管快乐是什么，能“更快乐就好。我以为快乐这个术语的的定义应该很松懈，这个概念太大，足以包含很多不同看法。Isuspectthatonereasonthatpeopletrytoavoidusingthewordhappinessisthathappinesshasabadreputation.Itsoftenassociatedwithsuperficiality,self-absorption,narcissism8,andpleasure-seeking.(AsinWoodyAllensmovieAnnieHall,whenAlvyasksahappycouplehowtheyaccountfortheirhappiness,andthewomananswers,Iamveryshallowandempty,andIhavenoideasandnothinginterestingtosay,andthemanagrees,Imexactlythesameway.)我怀疑人们在回避用“快乐这个词的原因是“快乐的名声不好。它往往和浅薄、自己沉迷、自恋和享乐相关。(正如在WoodyAllen的电影AnnieHall中一样，当Alvy问一对快乐的男女怎样解释快乐，女的讲：“我很浅薄、空洞，我没看法，我讲不出什么有意思的东西。男的附和：“我也正是如此。)Infact,however,studiesshowthathappinessdoesntmakepeoplecomplacent9orself-centered.Rather,happierpeoplearemorelikelytovolunteer,togiveawaymoney,topersistinproblem-solving,tohelpothers,andtobefriendly.实际上，研究表明快乐并没有让人们自满或以自己为中心。更快乐的人更有可能做自愿者、捐钱、对解决问题坚持不懈、帮助别人及友善。Onestudyshowedthat,allovertheworld,whenaskedwhattheywantmostfromlifeandwhattheymostwantfortheirchildrenpeopleansweredthattheywanthappiness.IknowwhenIfeelhappy.Tryingtobehappierthatsgoodenoughforme,withoutaprecisedefinition.一项研究表明，在世界各地，当问及人们在生活中最希望得到什么，最希望他们的孩子得到什么的时候，人们回答是“快乐。但我快乐的时候，我知道快乐是什么。努力更快乐这对我来讲足够了，不需要一个准确的定义。