I hope you're having a lovely day today and I hope it gets even better for watching this video.

希望你們今天過得愉快，也希望看了這段視頻後，你們的心情會更好。

Today, we're chatting all about the tips and tricks, little small micro habits you can implement to stop shopping addiction, to stop compulsive buying, overspending, and just become more intentional about where your hard-earned money goes.

今天，我們來聊一聊可以用來戒掉購物癮、停止強迫性購物和過度消費的小竅門、小方法和小習慣，以及如何更有意識地支配自己的血汗錢。

Most of us work really hard for our money, so it's such a shame to then just carelessly spend it on things that aren't really meaningful, things that you don't need, and things that at some point, like after maybe a few weeks, you don't even want anymore.

我們大多數人的錢都是辛辛苦苦掙來的，如果就這樣不經意地花在沒有實際意義的東西上，花在你不需要的東西上，花在某些時候，比如幾周之後，你甚至不再想要的東西上，那就太可惜了。

Becoming more conscious and intentional about where your money goes not only obviously positively affects your financial situation, your financial future, but it also makes you feel like you're living a more intentional life.

更有意識、更有計劃地安排自己的資金去向，不僅會對你的財務狀況和財務未來產生積極影響，還會讓你感覺自己的生活更有計劃。

And it's honestly liberating to not be in this constant buying consumerism trap.

老實說，不再陷入不斷購買的消費主義陷阱，這真是一種解放。

It feels like a hamster wheel.

感覺就像一個倉鼠輪。

It's never enough.

永遠都不夠

You keep buying and keep buying.

你不停地買，不停地買。

There's always a new thing and a new thing that you need and want.

總有一種新事物和新東西是你需要和想要的。

You're just never satisfied.

你就是永遠不會滿足。

It's not a good plan for a long-term happy future, a satisfied future.

這不是一個長期幸福未來、滿意未來的好計劃。

Like, it's obviously not getting you there.

比如，這顯然不能讓你達到目的。

If you constantly need to buy and buy and buy to fill that craving or that void or whatever it is, we'll get into that.

如果你總是需要買買買來填補渴望、空虛或其他什麼東西，我們會討論這個問題。

And it's honestly so empowering to get out of that hamster wheel and use that time, money, and energy on actually building a life that's meaningful to you, that you're excited and happy to wake up to, instead of waking up to a bunch of stuff that's just been collecting dust.

老實說，擺脫倉鼠輪的束縛，把時間、金錢和精力用在真正打造對自己有意義的生活上，讓自己一覺醒來就能感到興奮和幸福，而不是一覺醒來就看到一堆堆積滿灰塵的東西，這實在是太有力量了。

So yeah, that's what we're chatting about today.

沒錯，這就是我們今天要聊的話題。

I have over 10 tips that really, really helped me because I've definitely experienced this before.

我有十多條建議對我非常非常有幫助，因為我以前肯定經歷過這種情況。

Like, this was kind of a semi-big issue in my life, if you will.

可以說，這是我生活中的一個半大問題。

And I've got a plan to get you out of there as well.

我也有個把你救出來的計劃。

If you're new to my channel, hi, I'm Nika.

如果你是第一次來我的頻道，你好，我是妮卡。

Welcome.

歡迎光臨

I make videos all about self-improvement and I like to make them very, like, actionable.

我製作的視頻都是關於自我提升的，我喜歡讓它們非常具有可操作性。

Here are the tips, concrete steps you can take to actually create a real change that you're really going to notice.

以下是一些小貼士和具體步驟，你可以採取這些措施來真正實現你會注意到的真正改變。

So if that works for you, I would love for you to stick around and subscribe.

如果這對你有用，我希望你能繼續訂閱。

And you can also check out my social media if you want to hang out with me more.

如果你想和我有更多交流，也可以查看我的社交媒體。

But that's enough yapping.

但嘮叨到此為止。

Let's get into all the tips and tricks.

讓我們一起來了解所有的技巧和竅門。

The first thing we need to do is become very aware of what the problem is in the first place.

我們需要做的第一件事就是首先要非常清楚地意識到問題所在。

We want to get as much information about it as possible so we can then actually tackle it.

我們希望獲得儘可能多的相關資訊，這樣才能真正解決這個問題。

One thing I really recommend doing is a spending audit.

我真正建議做的一件事是支出審計。

This is where you would go back and see where your money is going, how much of it is going towards different areas of your life.

在這裡，你可以回過頭來看看你的錢都花到哪裡去了，有多少花在了生活的不同方面。

I talked all about this in my last video.

我在上一段視頻中已經談到了這一點。

So if you want to do this properly, create a budget and really start tracking your spending,

是以，如果你想正確地做到這一點，就應該制定一份預算，並真正開始跟蹤你的支出、

I highly recommend checking that out.

我強烈建議你去看看。

And then you're going to highlight these pain points.

然後你要突出這些痛點。

For me, that was eating out.

對我來說，那就是外出就餐。

And then also shopping for clothes and beauty, like makeup, skincare, all of that.

然後還要買衣服和美容品，比如化妝品、護膚品等等。

So just write it down so you know what you're working with.

所以，只要寫下來，你就知道自己在做什麼。

And then you're going to investigate when you have this really strong need to buy something, to compulsively shop, to overspend.

然後，當你有強烈的購買需求、強迫性購物、超支時，你就會去調查。

For me, for example, I noticed that a lot of it came from boredom when I felt like things were stagnant and there wasn't enough, like, excitement in my life.

以我為例，我注意到，當我覺得事情停滯不前，生活中沒有足夠的興奮點時，我的很多想法都來自於無聊。

So that's when I would really get into this mood of, like, I need to have a whole new closet,

所以，那時我真的會產生這樣的想法：我需要一個全新的衣櫥、

I need to have this new thing, that new thing, just because it gave me that hit of excitement.

我需要這個新東西，那個新東西，就因為它能給我帶來刺激。

It's so, so, so helpful to write it down.

寫下來真的非常非常有幫助。

First of all, an awareness of a problem is a problem half solved.

首先，意識到問題就等於問題解決了一半。

Just having this awareness of, like,

就是有這種意識，比如

I have a strong need for shopping right now.

我現在非常需要購物。

Do I actually want to buy a whole new closet or am I just bored with my life and missing excitement?

我是真的想買一個全新的衣櫥，還是隻是厭倦了生活，缺少了刺激？

If it's that, then maybe I can, you know, call up a friend and do something fun with them or, you know, you find other ways to deal with it.

如果是這樣，也許我可以打電話給朋友，和他們一起做些有趣的事情，或者，你知道，你可以找到其他方法來解決它。

An amazing question you can ask yourself when you're trying to figure this out is, if I'm being honest with myself right now, what problem in my life am I trying to solve by overbuying, consumption, shopping, fill in the blank?

當你想弄清楚這個問題時，你可以問自己一個驚人的問題：如果我現在對自己誠實，我試圖通過過度購買、消費、購物來解決我生活中的什麼問題？

Another thing we really need to look at is your values.

我們真正需要關注的另一件事是你的價值觀。

Like, what is actually important to you?

比如，什麼對你來說才是真正重要的？

It's not that instant gratification.

這不是即時滿足。

Like, these are the things that actually create a long-term satisfaction, joy, happiness, whatever.

比如，這些東西能讓人產生長期的滿足感、喜悅感、幸福感等等。

And also, how do you want your money and time to serve you?

還有，你希望你的金錢和時間如何為你服務？

We are all different.

我們都與眾不同。

So it's important to consider those things.

是以，考慮這些問題非常重要。

A budget and becoming financially aware is not about cutting yourself off from all the joys of life.

編制預算和提高財務意識並不是要讓自己遠離生活中的所有樂趣。

It's just about creating a plan tailored to you of how you're going to spend your hard-earned money.

這只是為你量身定做一個計劃，告訴你如何花掉你辛苦賺來的錢。

For me, I've really realized that I want to spend my hard-earned money on experiences versus things.

對我來說，我真正意識到，我想把辛苦賺來的錢花在體驗上，而不是東西上。

I want to create lifetime memories with the people that I love, experience this beautiful world, things that will actually bring me, again, long-lasting happiness instead of things that, you know, make me happy in the moment when I buy them and maybe for like a day or two.

我想和我愛的人一起創造終生難忘的回憶，體驗這個美麗的世界，體驗那些真正能帶給我長久幸福的東西，而不是那些，你知道的，能讓我在買下它們的那一刻感到幸福，也許就一兩天的東西。

And then we'll just, most of them, collect dust or be pushed somewhere in my closet and forgotten about.

然後，我們中的大多數就會落滿灰塵，或者被我塞進衣櫃裡，忘得一乾二淨。

And also, a really big one for me is investing in myself.

此外，對我來說最重要的一點就是投資自己。

Like going to those Pilates classes that, you know, they cost a bit of money, but it's, again, it's worth it to me.

就像去上那些普拉提課程，你知道，它們要花點錢，但對我來說，還是值得的。

And also, like learning about myself, learning more about the things that I'm interested in.

此外，我還喜歡瞭解自己，更多地瞭解自己感興趣的事情。

Like that is a very worthy investment for me.

這樣的投資對我來說非常值得。

One of my favorite platforms you can do this on is Skillshare and they're actually sponsoring this video.

我最喜歡的平臺之一是 Skillshare，他們實際上是本視頻的贊助商。

Plus, they've given us an amazing deal, which is fitting for this video.

此外，他們還為我們提供了一個令人驚喜的優惠，這與本視頻非常契合。

Recently, I've been wanting to learn more about like the very intricate details of notion because I want to make like an amazing budget that we can all use, that I can share with you guys.

最近，我一直想了解更多關於概念的錯綜複雜的細節，因為我想做一份大家都能使用的出色的預算，與你們分享。

So I've actually been re-watching Ali Abdaal's class.

事實上，我一直在重看阿里-阿不都沙拉木的課。

It's called Notion Masterclass,

這就是 "概念大師班"、

Maximize Your Productivity and Organization.

最大限度地提高你的工作效率和組織能力。

And it's honestly so, so good.

老實說，它真的非常非常棒。

It covers everything.

它涵蓋了一切。

So if you're interested in notion or if you want to get better at it, amazing.

是以，如果你對概念感興趣，或者你想在這方面做得更好，那就太棒了。

In case you don't know,

以防你不知道、

Skillshare is the largest online learning community for creatives.

Skillshare 是最大的創意人員在線學習社區。

They have thousands of classes led by industry experts across film, illustration, design, productivity, freelance, and more.

他們有數千門課程，由電影、插圖、設計、生產力、自由職業等領域的行業專家主講。

So Skillshare can help you take your career, your skills, your hobbies, passions, and even side hustles to the next level.

是以，Skillshare 可以幫助您將自己的事業、技能、愛好、激情甚至副業提升到一個新的水準。

I personally have a bit more time in the summer.

我個人在夏天有更多的時間。

So it's an amazing way for me to learn something new.

是以，這對我來說是一種學習新知識的絕佳方式。

I've been getting into drawing and like sketching.

我一直在畫畫，喜歡素描。

So I've been watching some classes about that.

所以我一直在看一些關於這方面的課程。

But if you guys want to use this time to get super knowledgeable about finance and change your financial future, an amazing class that you can get started with is by Justin Bridges.

但是，如果你們想利用這段時間獲得超強的金融知識，改變自己的財務未來，賈斯汀-布里奇斯（Justin Bridges）的課程就是一個很好的開始。

It's called Modern Money Habits,

這本書叫做《現代理財習慣》、

Five Steps to Build the Life You Want.

五步打造你想要的生活。

And it really goes through all the basics and gives you an amazing financial foundation.

這本書真正貫穿了所有基礎知識，為你打下了堅實的財務基礎。

So the first 500 people who click on my link below will get a one-month free trial of Skillshare, which is amazing.

是以，點擊我下面鏈接的前 500 名用戶將獲得 Skillshare 一個月的免費試用期，這真是太棒了。

So you can really fully try it out and you can get started today.

是以，你可以真正完全嘗試一下，今天就可以開始。

So I'll have that down below.

所以我會把它放在下面。

Another amazing thing that can really help you get started is to have a little reset because you've probably had these spending habits for a long time.

另一件能真正幫助你入門的神奇事情就是來一次小重置，因為你可能已經有這些消費習慣很久了。

So sometimes a good reset can really make wonders, create wonders, I don't know.

所以，有時一個好的復位真的能創造奇蹟，創造奇蹟，我也不知道。

So one thing you can do that will very, very clearly show you your habits and tendencies and these needs to buy and spend is a low or a no spend month.

是以，有一件事可以讓你非常非常清楚地瞭解自己的習慣和傾向，以及購買和消費的需求，那就是度過一個低消費或無消費的月份。

So that means you'll have a month where you only spend money on absolute essentials.

是以，這意味著你將有一個月的時間只花在絕對必需品上。

So that means groceries, that means, you know, your electric bills, your rent, essentials.

是以，這意味著食品雜貨，意味著電費、房租和生活必需品。

So you're not going to be spending money on clothes, shopping, beauty, books, whatever.

是以，你不會把錢花在衣服、購物、美容、書籍等方面。

You can, of course, make this tailored to you.

當然，您也可以為自己量身定製。

It doesn't have to be a full no-buy month.

這不一定是一個完全不買的月份。

You should make it so that you can stick to it.

你應該讓自己能夠堅持下去。

So if you know that you'll run out of your conditioner, you can plan that into your low-buy month.

是以，如果你知道你的護髮素會用完，你就可以在低價購買月裡計劃好。

Or let's say you read a lot of books on your Kindle and you know that you'll probably download four, just plan that into it so that you can actually follow through because that's going to give you a lot of confidence and going to make you feel good to achieve something.

或者比方說，你在 Kindle 上讀了很多書，你知道你可能會下載四本書，那就計劃一下，這樣你就能真正堅持下去，因為這會給你很多信心，讓你感覺很好，去實現一些事情。

And doing this low-buy or no-buy month is going to help you so much again to see these habits and to have a little reset and then you can create a new plan for the future.

這個低買或不買的月份將再次幫助你看清這些習慣，進行一次小小的重置，然後你就可以為未來制定新的計劃了。

Another thing that really, really helped me is a reset of my stuff, like doing a big declutter.

另一件對我非常非常有幫助的事情就是重置我的東西，比如進行一次大掃除。

I had so many clothes lying around.

我有那麼多衣服亂放。

I cannot tell you the amount of bags of clothes that I had to get rid of and skincare and expired makeup and so many things.

我不知道有多少袋衣服、護膚品、過期化妝品和很多東西要扔掉。

And it was such a wake-up call because I could see roughly how much money that was.

這給我敲響了警鐘，因為我知道那大概是多少錢。

It was like throwing money away, like just goodbye, it's meaningless, who cares.

就像扔掉錢一樣，就像再見一樣，毫無意義，誰在乎呢？

And it was wild, like there was thousands of euros in those boxes and it hurt my soul.

這太瘋狂了，就像那些箱子裡裝著成千上萬的歐元，讓我的心靈受到了傷害。

And these were things that I was so excited about and now a few months later,

這些都是我曾經非常興奮的事情，而現在幾個月過去了、

I'm just throwing them away.

我只是把它們扔掉。

I donated them, but you know what I mean, like it just was wild.

我把它們捐出去了，但你知道我的意思，這太瘋狂了。

So that's another thing you can do.

所以，這是你能做的另一件事。

And again, it will also help you to see what you actually find meaningful and important.

同樣，它還能幫助你瞭解什麼才是真正有意義和重要的。

Obviously, I don't value most clothes that much if I'm just willy-nilly getting rid of them all the time.

顯然，如果我總是隨意丟棄衣服，我就不會那麼珍惜大多數衣服了。

So that was honestly a lot, but highly recommend.

老實說，這已經夠多了，但還是強烈推薦。

Honestly gave me the wake-up call that I needed.

老實說，這給我敲響了警鐘。

The next thing you're going to do is make a whole list of things you are no longer buying.

接下來，你要做的就是列出一份不再購買的物品清單。

So this is your no-buy list.

這就是你的禁購清單。

If you need some inspiration, some ideas, there's lots of YouTube videos about things I'm no longer buying.

如果你需要一些靈感和想法，YouTube 上有很多關於我不再買的東西的視頻。

I am happy to make one.

我很樂意做一個。

If you guys want to see it, let me know.

如果你們想看，請告訴我。

But by doing these evaluations before, you probably will already have a bit of, you know, an inkling about the things you no longer need or are no longer worthy to you.

但是，在做這些評估之前，你可能已經對你不再需要的東西或對你不再有價值的東西有了一些瞭解。

Like maybe you have thousands of shirts and jeans, so that will go on that list.

比如，你可能有成千上萬件襯衫和牛仔褲，這些都會被列入清單。

Maybe you've realized that you've consistently been buying new foundations, even though you have one that you love and it's like your trustworthy product, but you keep trying new ones.

也許你已經意識到，你一直在購買新的粉底液，儘管你有一款自己喜歡的粉底液，而且它就像你值得信賴的產品一樣，但你還是不斷嘗試新的粉底液。

Like maybe that would go on your list.

比如說，也許這可以列入你的清單。

And then you're allowed to buy a new one when you run out of it.

用完後，你可以再買一個新的。

That is one additional rule I gave myself to not purchase items when I still have them.

這也是我給自己定下的一條額外規則，即在我還擁有物品時不購買它們。

So if I already have a shampoo and it hasn't run out yet,

所以，如果我已經有了洗髮水，而且還沒有用完、

I'm not going to buy a new one.

我不會買新的。

And once it runs out, I can buy the one that I want.

一旦用完，我就能買到我想要的那個。

So again, make a whole list of things you are no longer going to buy.

所以，還是那句話，把你不再打算買的東西列一個完整的清單。

It's just going to give you some good healthy lines and boundaries, and that is always a good thing.

它只會給你一些健康的界限和界線，這總是件好事。

Another very important one is to have strong money goals.

另一個非常重要的因素是要有堅定的理財目標。

That's going to help you because you're going to feel like there's a reason for you doing all of this and limiting yourself and, you know, creating new habits.

這對你會有幫助，因為你會覺得你做這一切、限制自己、創造新習慣都是有原因的。

That's not always easy.

這並非易事。

So it gives you a reason to do all of that, to go through all of that, and it makes it worthy, right?

所以，它給了你一個理由去做這一切，去經歷這一切，讓它變得有價值，對嗎？

If you've never really properly researched finances, you don't invest, you don't really know what you're doing.

如果你從未真正好好研究過財務，你就不會投資，你就不會真正知道自己在做什麼。

I've been there, trust me.

我是過來人，相信我。

Then your first money goal should be building an emergency fund that is basically a savings account with money in it for emergencies only.

那麼，你的第一個理財目標應該是建立一個應急基金，它基本上是一個儲蓄賬戶，裡面的錢只用於緊急情況。

So I went through all of that in my last video again.

所以，我在上一個視頻中又把這些都說了一遍。

But after you've achieved that, maybe your goal is to pay off your debt in a certain amount of time or save enough money for a down payment on a house or invest a certain amount of money.

但在你實現這個目標之後，也許你的目標是在一定時間內還清債務，或者攢夠買房的首付，或者投資一定數額的錢。

That's really, really going to help you so, so, so much.

這對你的幫助真的非常非常大。

And it's going to keep you motivated as well, which is very important.

它還能讓你保持動力，這一點非常重要。

Another thing that we've already touched on a little bit is tracking your money budgeting.

另一件我們已經略有提及的事情是跟蹤你的資金預算。

That is so helpful because you actually see where your money goes consistently every single month and then you can adjust it.

這很有幫助，因為你實際上每個月都能看到錢的去向，然後你就可以進行調整。

So maybe one month you realize you spent way too much money on something, so it's something to be aware of for next month.

是以，也許有一個月你會發現自己在某件事上花了太多錢，所以下個月就得注意了。

And another thing when you're tracking your money,

當你追蹤你的錢時，還有一件事、

I can't even explain to you how satisfying it is to see the percentage of how much you put aside and save increase.

我甚至無法向你解釋，看到自己留出和儲蓄的百分比增加是多麼令人滿意。

Like, it's almost like a game and a challenge for you to keep increasing it.

就像，這幾乎就像一場遊戲，是對你不斷提高的挑戰。

And then on the months where I do spend a little bit more,

然後，在我花費稍多的月份、

I'm like, why did I do that?

我就想，我為什麼要那麼做？

I could put all that money I wasted on these pants that I don't even care about anymore, that I didn't even remember I bought, on my savings, on investing, on whatever.

我可以把我浪費在這些褲子上的錢都花在我根本不在乎的褲子上，我甚至都不記得我買過這些褲子，花在我的儲蓄上，花在投資上，花在任何事情上。

Like, it is so much more meaningful.

就像，它更有意義。

It makes you feel so much better.

這讓你感覺好多了。

So that's another amazing benefit of tracking your money and having a budget.

是以，這也是跟蹤你的資金和制定預算的另一個驚人好處。

This next one is honestly a game changer, I think.

老實說，我認為下一個將改變遊戲規則。

I think this is maybe the best tip in this video.

我認為這也許是本視頻中最好的提示。

It's to have a smart wish list.

就是要有一份明智的願望清單。

Now you need to listen to me very carefully, okay?

現在你要仔細聽我說，好嗎？

Because you can do this wrong.

因為你可以做錯。

You can just create a wish list, put all the things that you want in there, and then consume more because of the wish list.

你可以創建一個願望清單，把所有想要的東西都寫進去，然後因為願望清單而消費更多。

So we're not doing that, okay?

所以，我們不這樣做，好嗎？

What you're gonna do is you're gonna write down the item you want.

你要做的就是寫下你想要的東西。

So let's say you really want or need a new winter jacket.