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  • Let's cut right to the chase.

    我們直接切入正題吧。

  • For most people, budgeting just doesn't work.

    對於大多數人來說,預算編制是行不通的。

  • You may be.

    你可能是。

  • Follow your budget for a few days or a few weeks, but soon you forget about your budget and stop tracking the flow of your money and there goes your budget.

    遵循你的預算幾天或幾周,但很快你就會忘記你的預算,停止跟蹤你的資金流向,你的預算就會消失。

  • And that's because the reality is most of your budget is fixed.

    而這是因為現實中你的大部分預算是固定的。

  • You can't really do anything about it without making major life decisions.

    如果不做重大的人生決定,你真的什麼都做不了。

  • Your rent is your rent.

    你的租金就是你的租金。

  • Your phone bill is your phone bill.

    你的電話費就是你的電話費。

  • Your car payment is your car payment.

    你的車款就是你的車款。

  • But the focus of today is the fact that many people struggle with the little ongoing frequent purchases, like eating out delivery services or shopping.

    但今天的重點是,很多人都在為持續頻繁的小消費而苦惱,比如外出就餐送餐服務或購物。

  • So let's tackle each one of those individually.

    那麼我們就來逐一解決這些問題。

  • First, let's talk about eating up in my research, along with some colleagues, I found that eating out is one of the biggest financial regrets that people have the Onley other expenses even less satisfying than eating out our bank fees for eating out.

    先說說吃吧在我的研究中,我和一些同事一起發現,在外吃飯是人們最大的經濟遺憾之一,安利其他的支出甚至不如在外吃飯讓我們的銀行費用滿意。

  • Instead of making a financial budget where you tell yourself, you're only going to spend $100 a month on eating out, let's focus on what I call a frequency budget instead So instead of focusing on the amount of money that's much harder to track and sometimes even impossible to track, let's focus on limiting the number of times that you go out to eat.

    與其做一個財務預算,你告訴自己,你每個月只花100美元在外面吃飯,不如把重點放在我所說的頻率預算上 是以,與其把重點放在更難追蹤、有時甚至無法追蹤的金錢數額上,不如把重點放在限制你出去吃飯的次數上。

  • You'll have a much easier time saying no and tracking your budget.

    你會更容易說 "不",並跟蹤你的預算。

  • Now I understand that we are all social humans and eating out.

    現在我明白了,我們都是社會人,在外面吃飯。

  • It's such a social activity.

    就是這樣一個社會活動。

  • And if that's what you're craving, I have some tips to make sure you can hit two birds with one stone instead of eating out, Go and have a picnic with friends.

    如果這就是你所渴望的,我有一些技巧,以確保你可以一石二鳥,而不是在外面吃飯,去和朋友們一起野餐。

  • Sign up for workout class, or do any of the 100 social activities that you conduce without having to spend 50 to $70 night.

    報名參加鍛鍊班,或做任何100個社會活動,你傳導,而不必花50到70美元的晚上。

  • If you plan it right, you can still satisfy your social craving and still save your wallet A lot of money.

    如果你計劃得當,你仍然可以滿足你對社交的渴望,而且還能為你的錢包省下不少錢。

  • Now let's talk about delivery services.

    現在我們來談談配送服務。

  • A recent investigation found that those who order through a delivery app end up spending anywhere from 7% to 91% more than those who dined in, thanks to the pile of miscellaneous charges and fees.

    最近的一項調查發現,通過外賣APP下單的人,由於雜費和費用的堆積,最終比在餐廳用餐的人多花了7%到91%不等。

  • In fact, the same item can be more expensive on the app than in the restaurant right now, you may be ordering out more frequently.

    事實上,同樣的商品在App上的價格可能比現在的餐廳更貴,你可能會更頻繁地點餐。

  • One analysis found that with the addition of delivery APS, fast food is no longer something associated with a quick bite on the go.

    有分析發現,隨著外送APS的加入,快餐不再是與隨手吃點東西相關的東西。

  • Given the added baggage that comes with these delivery APS, My top tip here is to delete the apse from your phone.

    鑑於這些快遞APS帶來的額外包袱,我這裡的最高建議是刪除手機裡的apse。

  • Now, if deleting it is to permanent or too extreme, you can still change your environment by making as many speed bumps as you can to slow down.

    現在,如果刪除它是到永久或太極端,你仍然可以改變你的環境,使盡可能多的減速帶,以減緩。

  • The pace of purchases may be lengthy app toe a debit card with a small, preset amount of money.

    購買的步伐可能會冗長應用到一張預設金額不大的借記卡上。

  • You can also delete the app after every purchase so that it's not enticing you at all hours.

    你也可以在每次購買後刪除該應用,這樣它就不會在任何時候誘惑你。

  • Now let's talk about shopping.

    現在我們來談談購物的問題。

  • Let me be clear.

    讓我說清楚。

  • I'm not saying that you should never go shopping.

    我不是說你不應該去購物。

  • What I am saying is that I encourage you to buy the things that bring you happiness.

    我說的是,我鼓勵你買那些能給你帶來幸福的東西。

  • Research has shown that when you spend money on others, when you spend money on experiences and when you spend money on the things that save you, time, thes expenses make you happier.

    研究表明,當你把錢花在別人身上時,當你把錢花在體驗上時,當你把錢花在能節省你、時間的事情上時,這些支出會讓你更快樂。

  • And I know retail therapy may seem great, but researchers have found that spending the same amount of money on someone else even as little as $5 can make you happier.

    而且我知道零售療法看似很好,但研究人員發現,在別人身上花同樣的錢,哪怕只有5美元,也能讓你更快樂。

  • So get that T shirt for your friend instead of yourself.

    所以,買那件T桖送給你的朋友而不是自己。

  • Make a donation to a place that you really love and support, or by an experience for yourself.

    捐給你真正熱愛和支持的地方,或者通過自己的體驗。

  • Try something for the first time, and if you're overwhelmed and you're burning the candle at both ends, know that it's okay to invest in something that will free up your time.

    第一次嘗試一些事情,如果你不知所措,兩頭燒蠟燭,要知道,投資一些可以解放你的時間的東西也是可以的。

  • Hire local high schooler to mow your lawn or get someone to clean your house.

    僱傭當地的高中生為你修剪草坪或找人打掃衛生。

  • Thes.

    Thes.

  • Maybe a little pricey, but the time you save will be worth every penny.

    也許有點貴,但你節省的時間將值得每一分錢。

  • By making these small changes to your discretionary spending, you can not only spend less but actually get more happiness and satisfaction from your spending.

    通過對自己的自由支配的消費進行這些小的改變,你不僅可以少花錢,而且可以真正從消費中獲得更多的快樂和滿足。

  • It could mean a life with fewer guilty pleasures and less regret.

    這可能意味著生活中少了一些罪惡感,少了一些遺憾。

  • Now who wouldn't want that?

    現在誰不想要呢?

Let's cut right to the chase.

我們直接切入正題吧。

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自動翻譯

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B1 中級 中文 TED 預算 重點 消費 車款 購物

不能堅持預算?試試這些調整|你的金錢和你的心靈 (Can't stick to a budget? Try these tweaks instead | Your Money and Your Mind)

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    林宜悉 發佈於 2021 年 02 月 04 日
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