8個浪費錢的小習慣 你爲啥這麼窮
You may not realize it, but some things you do habitually can make you lose money. Let’s see what those costing habits are and how we can reverse them.
也許你都沒意識到，一些習慣性的事情也會不知不覺浪費錢呢。我們來看看一些浪費錢的小習慣，學習如何去改正吧。1. You are a chronic complainer
你是個負能量的抱怨者If you always see the bad side, then you might not see the opportunities around you. When you miss opportunities, you inevitably lose money.
如果總是看到壞的那一面，那麼就會失去很多機會，一旦機會都失去了，錢肯定就賺不到啦。
For example, if you are too busy complaining to yourself about how your co-worker sucks, you might not think that you would be a great fit for that new project that just came out. Yes, the one that would boost your resume and possibly lead to a promotion. Opportunity lost.
比如你一直都抱怨同事們多麼的沒用，也許就想不到其實自己非常適合新項目。對，就是那個能展現你實力帶來升職機會的新項目。可惜沒咯。2. You think you would never spend this much money, and then spend it
你覺得自己絕不會花那麼多錢，然後花了。My friend and NYT best-selling author Ramit Sethi likes making fun of people who think they will never spend, e.g. $30, 000 on a wedding. But when time comes, and it’s their turn to get married, they spend it.
我朋友和《紐約時報》暢銷作家Ramit Sethi喜歡取笑那些總覺得自己不會花那麼多錢的人，比如花3萬美元籌辦婚禮。但輪到他們結婚的時候，似乎花的也不少哦。I’m not criticizing spending money on your wedding here. I’m just saying that had you accounted for the “having a big wedding” scenario, you might have saved more in the past, and hence not need to get into credit card debt.
我不是說不該在婚禮上花錢。我只是說如果你已經考慮了一幅“有個盛大婚禮”的場景，你就應該開始節約用錢，這樣以後纔不至於成卡奴。3. You don’t negotiate
你不還價From negotiating the price of your car, to negotiating your salary, you have a lot of potential to save thousands of dollars. Yet beware, negotiating is not something most people are skilled at. I recommend buying books and then spending 1000x more time actually practicing the books’ teachings with a friend.
無論是買車還是談論薪資，你都有可能去省一大筆錢。要記住，討價還價並不是大部分人都擅長的事情。我建議買本類似的書，然後和自己的朋友把書裏的技巧默默練習幾千次吧。That’s how you’ll walk into a negotiation with confidence and ready to tackle anything that comes your way.
這樣你就能自信的開始討價還價，讓一切都盡在你的掌控。4. You think short-term vs. long-term
短期/長期計劃We often don’t really take into account the effect of our actions in the long run. For example, you not negotiating a $5k increase in salary does not just cost you $5k this year, but maybe next year as well.
我們往往不會考慮自己的行爲在長遠時期的影響。比如，你不會要求漲五千美元的薪水，也沒有意識到今年不要求，明年也會沒有。In your next job interview, the employer will try to pay you according to your past salary. Your negotiating position will start from $5k less than what it could have.
你的下一個面試，老闆也會試着按照舊工資來付薪水。你至少可以要求漲薪五千美金，這樣纔不會比本可拿到手的低。5. You think “I can’t do it” instead of “How can I do it?”
你總覺得“我做不到”而非“我如何去做”？You can make more money at your current job. You can negotiate more, or improve your skills and then ask for a raise. Or, you could make more money on the side. Or, you can start your own business.
你可以在現有的工作上賺取更多的錢。你可以溝通協商更多，提高你的技能然後要求漲薪。或者是可以乾點副業，再或者自主創業吧。The options are infinite. The more you’re stuck on “can’t”, the more you’ll be losing money that you could have earned had you not had this bad “can’t” habit.
選擇是不定的。你被“不能”捆綁得越多，養成了“不能” 的習慣，那麼就會失去越多本可賺到的金錢。6. You avoid saying “no”
學不會說“不”Your sister asks you for money. She never gives the money back, but you still just can’t say “no.”
你妹妹問你借錢，從來不還，你還是不會說“不”。You keep lending money, or buying dinner for your friends, just because saying “no” is easier than paying. I’m not saying that “no” should come easy. But I am proposing to be conscious about why you do what you do.
你總是借錢或者請朋友吃飯，只是因爲說不比付錢要簡單。我不是說拒絕可以簡單，我只是建議你需要意識到自己爲什麼要做這件事。7. You confuse your account balance with your self-worth
你混淆了銀行存款和自我價值The balance on your account is just a number. Yet, we tend to be emotional with that number. When this balance is not up to our standards, we may feel shame and self-pity.
你銀行的錢只是個數字，的確我們對那個數字有感情。一旦達不到一個標準就會覺得丟人和難受。That’s exactly what overweight–or even thin–people feel when on the scale. The number on the scale feels like it describes their self-worth, when it doesn’t!
這就是那些稱體重的胖子或瘦子們的想法。稱上面的數字似乎顯示了他們的價值，但實際並沒有啊。The result of this confusion is that you might be afraid to even open up those new bills. Or, you might avoid dealing with your debt because it’s just way too scary to do so. But the good news is that it’s just a number–it doesn’t have anything to do with who you are.
這樣的混淆只會帶來一個麻煩，就是你會害怕去花錢。或者只是因爲你害怕而再也不想去處理欠款問題了。但其實，這個數字——真的跟你是什麼人沒有任何關係。8. You buy stuff without understanding why
你總買些莫名其妙的東西In Money: A Love Story author Kate Northrup urges us to understand what made us make each purchase. First, we look at our credit card statement. Were our purchases good ones, or are there any purchases that we would have been better off without?In Money:
《金錢：一個愛情故事》的作者 Kate Northrup 要求我們對每一筆花銷都心知肚明。首先我們要看看信用卡額度。我們是不是在買好東西，還是這些東西可有可無？Once we complete this step, we move on to step two. How did we feel when we made each purchase? If you actually do this step, you might find out that the purchases you made while feeling bad, needy, or lacking, are not the ones you are proud of.
一旦完成了這一步，就來到了第二步，買每一樣東西的時候是什麼感覺？如果你真的做到了這一步，也許會發現買這個讓你有點難受、窘迫或者缺錢了，而不是讓你驕傲。
