你常常因一時(shí)沖動(dòng)而造成奢侈浪費(fèi)？即使你是高帥富、白富美，你也仍然應(yīng)該理性地對(duì)待消費(fèi)，對(duì)自己的理財(cái)花銷(xiāo)保持足夠的警惕性。下面八招，可以有效地防止你沖動(dòng)消費(fèi)。
　　1. Follow the Time Rule
　　遵循時(shí)間原則
　　I’ve seen this defined as something as small as the "one hour rule" and as big as the "30 day rule," but the idea is the same ― when you see something that you want, make yourself wait a certain amount of time before purchasing it. The longer you can go, the better. If you still strongly want to make the purchase at the end of the time period, only consider doing so then.
　　我認(rèn)為這個(gè)原則就是指等待的時(shí)間長(zhǎng)短，說(shuō)短一點(diǎn)，就是“一小時(shí)原則”，說(shuō)長(zhǎng)一點(diǎn)，就是“三十天原則”，但精髓還是一樣的――當(dāng)你看到你想買(mǎi)的東西后，等待一段時(shí)間，越久越好。如果你到時(shí)候還想買(mǎi)的話(huà)，就去買(mǎi)好了。
　　2. Don’t Shop When Upset
　　別在焦慮時(shí)購(gòu)物
　　It’s easy to look for a product (whether it’s food, clothing, or something else) to cheer you up when you’re unhappy. One of my worst impulse purchases ever happened at a liquor store ― and in an effort to cheer myself up, I purchased three kinds of liqueurs I had been wanting to add to my bar.
　　當(dāng)你不開(kāi)心的時(shí)候，靠買(mǎi)東西來(lái)使自己開(kāi)心起來(lái)是件很容易的事情（無(wú)論食物、衣服還是別的東西）。我最愚蠢的一次沖動(dòng)消費(fèi)發(fā)生在一家賣(mài)酒的店里――為了讓自己重新高興起來(lái)，我買(mǎi)了我一直以來(lái)很想買(mǎi)的三種酒。
　　3. Consider Changing How and Where You Shop
　　改變你購(gòu)物的方式和地點(diǎn)
　　One of the things I love about shopping online is that it’s much easier to ignore extraneous items ― I go to Amazon, put what I need in my cart, and check out. But I know if I try on clothing in a store, I’m much more likely to happen upon a dress that I suddenly really want. The solution? Except for groceries and pharmacy items finds, I rarely shop in physical stores.
　　我之所以喜歡網(wǎng)購(gòu)的原因之一就是――它能幫我忽略掉那些不必要的商品。在亞馬遜網(wǎng)購(gòu)物的時(shí)候，我會(huì)把商品放進(jìn)購(gòu)物車(chē)，然后檢查一遍。我知道要是我去服裝店的試衣間里面試穿的話(huà)，我很有可能會(huì)突然很想買(mǎi)這件衣服。解決辦法是什么？除了買(mǎi)食物和藥品，我很少會(huì)去實(shí)體店購(gòu)物。
　　4. Don’t Shop With the Wrong People
　　別和錯(cuò)的人一起逛街
　　If you have impulse-happy shopping buddies, it can be easy to let them convince you that all the outfits you just tried on look great, and you should TOTALLY buy them. If you want to shop socially, do it with people who have also frugal spending habits (and if they happen to be able to tell you when a dress really looks great on you, well, all the better).
　　如果你有購(gòu)物狂一樣的朋友，那他們總是會(huì)告訴你，你剛試的那件衣服很配你，然后你會(huì)很容易被他們說(shuō)服買(mǎi)下那件衣服。如果你想有人陪你逛街，那就找一些勤儉節(jié)約的朋友陪著你。（要是他們也說(shuō)你穿那件衣服很好看的話(huà)，嗯，那就更好了。）
　　5. Give Yourself a Splurge Budget
　　給自己一個(gè)寬裕的財(cái)政預(yù)算
　　Whether it’s budgeting for one new clothing item a month, allowing yourself a fancy coffee every now and again, or giving yourself spend-it-however-you-want cash, give yourself some room so you don’t feel like a penny-pinching miser.
　　不論是什么樣的預(yù)算都行――每月可以給自己買(mǎi)一件新衣服，每隔一陣子能去喝一杯花式咖啡，或是給自己一些可以隨便花的額度。給自己留點(diǎn)額度，這樣不會(huì)使你看上去像個(gè)守財(cái)奴。
　　6. Only Buy Things You Can Return
　　只買(mǎi)享有無(wú)條件退貨政策的商品
　　If you really have a problem with impulse purchases, at the very least, buy from stores with good return policies.
　　如果你真的有沖動(dòng)消費(fèi)的毛病，那最后一個(gè)辦法就是，去那些有無(wú)條件退貨政策的店里買(mǎi)。
　　7. Remember to Not Be Fooled by Sales
　　別一看到大減價(jià)就hold不住了
　　Sales with huge markdowns can make impulse purchases very tempting. For years, half my shoe collection was made up of shoes I only sort of liked, but had found on sale. Remember, if you see a product on sale, you will always save more money if you don’t buy it at all.
　　大減價(jià)的活動(dòng)很容易造成沖動(dòng)消費(fèi)。我在大減價(jià)時(shí)買(mǎi)的那些鞋子，幾乎占了我全部鞋子的一半。我是有一點(diǎn)點(diǎn)喜歡它們的，可其實(shí)還是因?yàn)樗鼈冊(cè)跍p價(jià)，所以才買(mǎi)下了它們。如果你再看到有商品正在促銷(xiāo)的話(huà)，記住，不買(mǎi)總是最省錢(qián)的。
　　8. Keep a List of Things You Really Want or Need
　　列一張購(gòu)物清單
　　That way, if you do see them on sale, you can buy them with confidence.
　　這樣的話(huà)，如果你正碰上它們大減價(jià)你就能果斷買(mǎi)下了。
　　9. Don’t Give Yourself Access to Your Money
　　別給自己太多錢(qián)
　　 Whether it’s leaving your credit cards at home or only carrying a certain amount of cash, you can’t make impulse purchases if you don’t have the money to do so.
　　不論你采取什么方式，把信用卡留在家里或是帶一小部分的現(xiàn)金在身上都可以。你要是沒(méi)錢(qián)那當(dāng)然不能再?zèng)_動(dòng)消費(fèi)啦。

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