7种方法帮你了解自己的消费 存够钱实现梦想（原创双语文章）
小译说
刚去了趟超市，也没买什么呀，怎么花了这么多？我要存钱！年底买辆车，最后掏出钱包一看，只剩下还花呗的钱了……不知道你有没有这样的感受呢？今天就让我们一起来看看“开源节流”的“节流”吧！
1 Visualize 可视化
How does it work? Marketers do everything they can in order to make you somehow see a product and want to buy it, this is why fitting rooms are usually in the farthest corners of stores, and the most expensive goods are at your eye-level. In their arsenal, they have products with special offers, the letters SALE on the windows, plastic cards with discounts, pleasant smells, and nice music.
什么是可视化？商家总会想尽一切办法让人们看见商品并且产生购买欲望，这也解释了为什么试衣间远在天边，而最贵的商品近在眼前。商家总有办法让你掏钱，比如商品特价销售、在窗户上贴上“甩卖”二字、打折、店内清香的味道和欢快的音乐。
What’s the right thing to do?
我们该怎么应对呢？
Option № 1. Do the “Stranger test.” You want a new dress? Imagine there is a person in front of you holding what you want to buy in one hand, and its money equivalent in the other. Which one do you choose? If you want the money more, it means you don’t really need the product that much.
1. 想买新裙子？先做个小测试吧。想象面前站着一个人，一手拿着你渴望已久的裙子，一手拿着和裙子等值的钱，你会选哪个？如果你更想要钱，意味着其实你并不真的想要那条裙子。
Option № 2. Imagine your purchase 6 months later. Here is the dress you wore just once, hanging uselessly in your closet. Use this moment to make the right decision.
2. 想象一下，买完六个月后，那条只穿过一次的裙子没用地挂在衣橱里。这时候你还会买吗？
Don’t give up without trying both of these options.
以上两条，买之前一定都要考虑一下！
2 Don’t touch what you like 把手从你喜欢的东西上移开
How does it work? People really value the things they own, this is why when people sell used things, the prices they set are incredibly high. After holding something you like, on a subconscious level, you think that it is already yours.
The wild price doesn’t seem as crazy anymore, all of the recommendations on saving money are forgotten, and here you are about to pay for a new smartphone that you don’t need at all.
什么意思呢？人们很珍惜自己拥有的东西，所以售出时会开出天价。一旦你摸过喜欢的东西后，潜意识里会认为那东西已经是自己的了，那时，高得再离谱的价格也能接受了，所有省钱忠告都忘记了，乖乖地为根本不需要的新手机买单。
What’s the right thing to do?
正确的做法是什么？
Ask the sales associate to demonstrate how the phone you like works or to show you the sweater you think you like.
让柜员演示一下你喜欢的手机操作或展示一下你喜欢的毛衣。
Buy things online less often. Studies showed that online shopping is even more out of our control and we make more impulsive purchases on the internet.
少在网上买东西。研究表明人们在网购时更容易失控和冲动。
The most important thing — no matter what, don’t touch the thing you think you like.
最重要的——请记住，不要碰自己喜欢的东西!
3 Walk left 向左转
How does it work? When entering a store, most buyers go right because they are right-handed. Marketers know about this and they deliberately place the most expensive goods in this part of the store.
为什么要左拐？进去商店后，大部分人会向右转，因为他们是右撇子。营销专家当然知道这一特点，所以故意把最贵的商品摆在右侧。
What’s the right thing to do?
见招拆招。
Be prepared for shopping: Don’t forget your shopping list and walk around the store according to what is on this list. This makes you more disciplined.
购物前要做好准备：列一个购物清单，按照清单上列举的商品逛街购买，这样会让自己更自律。
Pay a lot of attention to the lower and the upper shelves — the cheaper goods are there.
多多关注货架上层和下层——通常那里摆放着更实惠的商品。
Don’t take a cart, carry what you are going to buy in your hands. If you need to buy more than just a couple of things, take a basket, but still not a cart — this way, you won’t buy anything extra.
别推车！就买手里拿着的那几件就好了，如果真的需要买好多东西，拿个购物篮但是千万别推车——这样就不会买多余的东西了。
Remember that preparation is the key to conscious consumption.
请牢记，做好准备是理性消费的秘诀。
4 Don’t chew gum 购物时别嚼泡泡糖
How does it work? People who chew gum have better blood circulation in their brain and their cognitive functions improve. This causes them to want to be around people for a longer time, to really take a long look at the things they are buying, and to think deeply about what they need.
这又是怎么一回事？嚼泡泡糖时，人脑血液循环加快，认知功能提升，导致人们更喜欢去人群中，花费很长时间浏览自己要买的商品，同时会仔细思考自己需要什么。
What’s the right thing to do?
那应该怎么做呢？
Don’t chew. According to studies, the process itself makes you spend more time choosing the things you need and buying more things than you planned.
别嚼泡泡糖。研究表明，嚼泡泡糖会让你花更多时间选择商品，而且最终会比自己打算要买的多得多。
Focus on what you need and don’t pay attention to other “good” offers. You need a list or a clear idea of what you initially came to the store for.
买自己需要的而不是“好”的。你需要有一份购物清单，或者在内心里明确列出最初自己想要的东西。
Limit the time you are going to spend in the store. Go in, get what you need, and leave. Don’t chew gum, concentrate on self-control, and maintain your full focus.
限制购物时间，买完自己需要的商品就离开。别嚼泡泡糖，保持注意力集中，控制好自己。
5 Don’t look around 别瞎逛
How does it work? When a person sees a product with a discount, they immediately want to buy it in order to avoid spending more in the future. This is an instinct: possible losses worry us more than possible purchases and the very thought that if you don’t buy something now, you’ll lose your chance to buy it in the future worries us.
人们往往看到打折商品就想立刻买下来，以免错过这个“省钱”的好机会。这是人类的本能：潜在的损失比潜在收获更让我们担心，一想到如果现在不买，以后得花更多钱，我们就会毫不犹豫地付钱。
What’s the right thing to do?
正确做法
Ignore products that are on sale if they are not on your list.
购物清单上没有的商品就请忽略它们吧。
After you get what you need, go straight to the cash register. And say no to the offer from the cashier to buy 7 packs of gum for the price of 2.
找到自己需要的全部商品后立刻去结账。如果收银员告诉你原先只够买2包泡泡糖的钱现在可以买7包，请坚决说不！
Fight the fear of loss — and you will always win from this.
不要害怕失去——你将永远从中受益。
6 Put aside what you save 把省下来的钱放好
How does it work? You know the amount of money you can spend on your purchases in a week. After 7 days, you look into your wallet (or check your bank account) and see that you have an “extra” $30. If you leave this money in your wallet, there is a huge risk that you will just waste it.
你对一周花费有个估算，7天后，检查自己钱包惊喜地发现竟然还“剩”30美金。如果就这么继续把钱留在钱包里，很有可能会浪费掉。
What’s the right thing to do?
如何应对？
Invest in your own future.
投资自己的未来
Don’t spend the money you “accidentally” got. Split the amount into 2 parts: spend the first part and put aside the second part for your dream.
不要花意外所得。把钱一分为二：花掉一部分，把另一部分存给梦想。
Collect and review the receipts from the stores — they often show the amount of the discount. Take the saved money from your wallet and put it in a different account. Put all your change into a piggy bank.
收集并分析购物小票——通常小票上会显示折扣金额，把省下来的钱从钱包里拿出来放到另一个账户里。把所有零钱放到存钱罐里。
Stop buying all those things you don’t really need. For example, that cup of coffee you buy every day.
别再买不需要的东西了。比如：你不需要每天喝一杯咖啡。
Get a piggy bank for cash — it doesn’t have to be a pig, just something you like to make the process fun. If we are talking about a bank account, you should have a separate account exclusively for savings.
买个存钱罐存现金——也不必非得是存钱罐，只要能让这个过程变得有趣就行了。如果是银行账户，你需要有一个独立的账户专门用来存钱。
7 Check your reserves 检查自己的储蓄
How does it work? Very often, people concentrate on how far they are from achieving their goal, instead of how much closer they are to it now than they used to be. You put money aside into a box or a savings account, but you don’t see or touch the money you saved. As a result, the money becomes an abstract thing, almost like some fake currency. It is your money, but it doesn’t make you very happy.
人们往往关注自己离目标还有多远，而不是已经出发了多远。把钱放到存钱罐或者银行账户后再没管过，结果小金库被慢慢地淡忘了。那可是你的钱，但这并不能让你感到高兴。
What’s the right thing to do? Be like Scrooge McDuck that took a dive into his gold vault — track the process and enjoy it.
如何应对呢？学学唐老鸭，一头钻进自己的金库里——记录并享受存钱的过程。
Watch your savings grow. It will help you see how your efforts pay off in real-time.
亲眼看着自己的储蓄一点点增长，尽享收获的乐趣。
Make it a ritual: Every month, stop doing whatever you are doing and check to see how much money you have saved.
要有仪式感：每个月无论再怎么忙都要停下来检查自己存了多少钱。
Don’t forget to reward yourself for your successes: when you’ve reached a certain mark you set for yourself — celebrate it and buy something small but nice for yourself.
别忘记犒劳自己：先定一个小目标，目标达成后给自己买个小礼物庆祝一下。
These simple actions can reinforce your desire to achieve this goal.
这些小举动能帮助你达成目标。
可以试试这些方法看哦，祝大家2020暴富！
本文为百度翻译原创内容
翻译：张雪薇 （北语）
编辑：Judith
文章来源：Brightside