In this video I'm going to share with you seven psychological money-saving tricks that will help you save hundreds of extra dollars each and every month.

在這段視頻中，我將與你分享七個心理省錢的竅門，幫你每個月多省幾百元。

And word on the street is that if you hit the subscribe button now you will save a baby llama so hit the subscribe button below.

而坊間傳言，如果你現在點擊訂閱按鈕，就能救出一隻小駱駝，所以點擊下面的訂閱按鈕。

Saving trick number one is to avoid social media.

節約技巧一是避開社交媒體。

Tt seems like every time we go on Facebook Instagram or any other social media platform, we are bombarded by ads.

Tt似乎每次我們上Facebook Instagram或任何其他社交媒體平臺時，我們都會被廣告轟炸。

From workout clothes to the hottest new toy we are being exposed to just as much sponsored content as a pictures and videos we actually want to see.

從健身服到最熱門的新玩具，我們接觸到的贊助內容就像我們真正想看到的圖片和視頻一樣多。

Besides being terrible for our productivity these apps are causing us to spend significantly more money which erodes our chance at saving money.

除了對我們的生產力不利外，這些應用程序還導致我們花費更多的錢，這侵蝕了我們省錢的機會。

Saving trick number two is to use automatic deductions for those of us who had no control over their spending automatic deductions will work wonders.

節約招數二是使用自動扣款，對於我們這些對自己的消費沒有控制的人來說，自動扣款會有很大的作用。

If you are unfamiliar with automatic deductions they work in the following way.

如果你對自動扣款不熟悉，它們的工作方式如下。

Whenever you get paid a portion of your pay is withheld from going into your main bank account

每當你拿到工資時，你的部分工資就會被扣下，不進入你的主要銀行賬戶。

Typically people will set up a savings account that the money is routed into which in some cases is not accessible to allow the money to continue to compound.

一般情況下，人們會設立一個儲蓄賬戶，錢被路由到這個賬戶，在某些情況下，這個賬戶是無法進入的，以讓錢繼續複利。

Saving trick number three is to imagine your future rich self.

拯救技巧三是想象未來有錢的自己。

Sure spending five dollars on a Starbucks Coffee doesn't seem like a big deal.

當然花五塊錢買一杯星巴克咖啡似乎也不是什麼大事。

But what if I told you that that five dollars could turn into more than a hundred dollars by the time you retire you might change your mind right?

但如果我告訴你，這五塊錢到你退休的時候可能會變成一百多塊錢，你可能會改變主意吧？

The next money-saving trick is to imagine your future rich self.

接下來的省錢妙招就是想象未來有錢的自己。

Every time you consider a new purchase no matter how big or small ask yourself is spending this money will make you closer or further away from achieving your future rich life.

每當你考慮新的購買時，無論大小都要問自己，花這筆錢會讓你離實現未來的富裕生活更近還是更遠。

Saving trick number four is to sleep on big purchases.

節約妙招四是睡大貨。

Sleep allows you to save money in two separate ways.

睡眠可以讓你從兩個方面分別省錢。

Firstly without proper sleep your decision-making capabilities diminish and the chance of risky or monetary behavior arises,

首先沒有適當的睡眠，你的決策能力就會下降，出現風險或金錢行為的機會就會出現。

so that car you would not normally consider buying may end up in your driveway.

以至於你平時不會考慮買的車可能最終會出現在你的車道上。

Secondly sleep allows you the time to contemplate big purchases.

其次睡眠可以讓你有時間考慮大的採購。

Take the evening to sleep on large expenditures and allow your unconscious mind to process the information related to the purchase.

趁著晚上大額支出的時候睡覺，讓自己的潛意識去處理與購買相關的資訊。

And then analyze it while you're dreaming.

然後在做夢的時候分析一下。

Saving trick number five is to use only Cash.

節約技巧五是隻用現金。

One of the best money-saving tips is to only spend cash whether you're buying groceries or a new phone.

最好的省錢祕訣之一是，無論你是買菜還是買新手機，都只花現金。

Spending cash makes us notice some monetary effects of our actions.

花費現金讓我們注意到自己的行為所帶來的一些金錢效應。

This is because as we are paying we are physically handing over money and we see the depletion in our wallets.

這是因為當我們在支付時，我們是在實際交錢，我們看到了錢包的消耗。

Whereas when you use a credit or debit card the potential to spend seems almost endless

而當你使用信用卡或借記卡時，你的消費潛力幾乎是無窮的。

Additionally if you don't want to break a big 50 or $100 bill and you have to lug around loads of change you may just avoid purchases all together, allowing you to save more money than you ever could when relying on credit cards.

此外，如果你不想破費50或100美元的大鈔，而你又不得不拖著大量的零錢，你可能就會完全避免購物，讓你比依靠信用卡時更能省錢。

Saving trick number 6 is to calculate the cost in hours.

節約竅門之六是以小時計算成本。

The second last tip is to convert the cost of your purchases into work hours.

最後的第二個技巧是將購買的成本換算成工時。

For example if you make$20 an hour at your job and in buying that new $100 t-shirt is really 5 hours of your time.

例如，如果你在工作中每小時賺20美元，而在買那件100美元的新T恤時，實際上是5小時的時間。

Ask yourself is that shirt really worth five hours of slaving away at my job?

捫心自問，那件襯衫真的值得我在工作中辛苦工作五個小時嗎？

When you begin to see your purchases in this light, you'll become more conscious of how much a personal investment it was during this money

當你開始從這個角度來看待你的購買行為時，你會更加意識到這期間的錢是多麼的個人投資。

Making you think twice before spending frivolously and ultimately allowing you to save more money over time.

讓你在輕率消費前三思而後行，最終讓你隨著時間的推移節省更多的錢。

Saving trick number 7 is to generate more income.

節約竅門之七是多創收。

The truth is your ability to save is restricted by how much you earn.

事實上，你的儲蓄能力受制於你的收入多少。

If you currently make minimum wage than saving a lot of money will be next to impossible and the only way to improve this situation is to find ways to increase your income.

如果你目前的工資是最低的，那麼比存很多錢幾乎是不可能的，改善這種情況的唯一辦法就是想辦法增加收入。

For some this may be picking up another part-time job, doing freelance work or increasing your skills to allow you to earn a higher hourly wage.

對一些人來說，這可能是找另一份兼職工作，做自由職業者，或增加你的技能，讓你賺取更高的時薪。

Personally I've been able to triple my income over the last four years by completing my master's degree in getting my CPA designation.

就我個人而言，在過去的四年裡，我通過完成碩士學位獲得註冊會計師的稱號，使我的收入增加了三倍。

But I know accounting isn't for everyone, so find what works for you.

但我知道會計並不適合每個人，所以要找到適合自己的方法。

And with this increase in income in the previously mentioned savings tips you'll have more money than you'll ever know what to do with.

而在前面提到的儲蓄技巧中，收入的增加會讓你有更多的錢，讓你不知道該怎麼用。

Thanks for watching if you want to go from the life you hop to the life you deserve then hit the subscribe button now.

謝謝觀看，如果你想從你跳的生活到你應得的生活，那麼現在點擊訂閱按鈕。