为什么这么穷？.docx

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为什么这么穷？Youmaynotrealizeit,butsomethingsyoudohabituallycanmakeyoulosemoney.Let’sseewhatthosecostinghabitsareandhowwecanreversethem.            也许你都没意识到，一些习惯性的事情也会不知不觉浪费钱呢。我们来看看一些浪费钱的小习惯，学习如何去改正吧。      1.Youareachroniccomplainer          你是个负能量的抱怨者      Ifyoualwaysseethebadside,thenyoumightnotseetheopportunitiesaroundyou.Whenyoumissopportunities,youinevitablylosemoney.          如果总是看到坏的那一面，那么就会失去很多机会，一旦机会都失去了，钱肯定就赚不到啦。      Forexample,ifyouaretoobusycomplainingtoyourselfabouthowyourco-workersucks,youmightnotthinkthatyouwouldbeagreatfitforthatnewprojectthatjustcameout.Yes,theonethatwouldboostyourresumeandpossiblyleadtoapromotion.Opportunitylost.          比如你一直都抱怨同事们多么的没用，也许就想不到其实自己非常适合新项目。对，就是那个能展现你实力带来升职机会的新项目。可惜没咯。      2.Youthinkyouwouldneverspendthismuchmoney,andthenspendit          你觉得自己绝不会花那么多钱，然后花了。      MyfriendandNYTbest-sellingauthorRamitSethilikesmakingfunofpeoplewhothinktheywillnever spend,e.g.$30,000onawedding.Butwhentimecomes,andit’stheirturntogetmarried,theyspendit.            我朋友和《纽约时报》畅销作家RamitSethi喜欢取笑那些总觉得自己不会花那么多钱的人，比如花3万美元筹办婚礼。但轮到他们结婚的时候，似乎花的也不少哦。      I’mnotcriticizingspendingmoneyonyourweddinghere.I’mjustsayingthathadyouaccountedforthe“havingabigwedding”scenario,youmighthavesavedmoreinthepast,andhencenotneedtogetintocreditcarddebt.            我不是说不该在婚礼上花钱。我只是说如果你已经考虑了一幅“有个盛大婚礼”的场景，你就应该开始节约用钱，这样以后才不至于成卡奴。      3.Youdon’tnegotiate          你不还价      Fromnegotiatingthepriceofyourcar,tonegotiatingyoursalary,youhavealotofpotentialtosavethousandsofdollars.Yetbeware,negotiatingisnotsomethingmostpeopleareskilledat.Irecommendbuyingbooksandthenspending1000xmoretimeactuallypracticingthebooks’teachingswithafriend.          无论是买车还是谈论薪资，你都有可能去省一大笔钱。要记住，讨价还价并不是大部分人都擅长的事情。我建议买本类似的书，然后和自己的朋友把书里的技巧默默练习几千次吧。      That’showyou’llwalkintoanegotiationwithconfidenceandreadytotackleanythingthatcomesyourway.          这样你就能自信的开始讨价还价，让一切都尽在你的掌控。      4.Youthinkshort-termvs.long-term           短期/长期计划      Weoftendon’treallytakeintoaccounttheeffectofouractionsinthelongrun.Forexample,younotnegotiatinga$5kincreaseinsalarydoesnotjustcostyou$5kthisyear,butmaybenextyearaswell.            我们往往不会考虑自己的行为在长远时期的影响。比如，你不会要求涨五千美元的薪水，也没有意识到今年不要求，明年也会没有。      Inyournextjobinterview,theemployerwilltrytopayyouaccordingtoyourpastsalary.Yournegotiatingpositionwillstartfrom$5klessthanwhatitcouldhave.            你的下一个面试，老板也会试着按照旧工资来付薪水。你至少可以要求涨薪五千美金，这样才不会比本可拿到手的低。      5.Youthink"Ican’tdoit"insteadof"HowcanIdoit?"            你总觉得“我做不到”而非“我如何去做”？      Youcanmakemoremoneyatyourcurrentjob.Youcannegotiatemore,orimproveyourskillsandthenaskforaraise.Or,youcouldmakemoremoneyontheside.Or,youcanstartyourownbusiness.            你可以在现有的工作上赚取更多的钱。你可以沟通协商更多，提高你的技能然后要求涨薪。或者是可以干点副业，再或者自主创业吧。      Theoptionsareinfinite.Themoreyou’restuckon"can’t",themoreyou’llbelosingmoneythatyoucouldhaveearnedhadyounothadthisbad"can’t"habit.            选择是不定的。你被“不能”捆绑得越多，养成了“不能”的习惯，那么就会失去越多本可赚到的金钱。      6.Youavoidsaying"no"             学不会说“不”      Yoursisterasksyouformoney.Shenevergivesthemoneyback,butyoustilljustcan’tsay"no"          你妹妹问你借钱，从来不还，你还是不会说“不”。      Youkeeplendingmoney,orbuyingdinnerforyourfriends,justbecausesaying"no"iseasierthanpaying.I’mnotsayingthat"no"shouldcomeeasy.ButIamproposingtobeconsciousaboutwhyyoudowhatyoudo.          你总是借钱或者请朋友吃饭，只是因为说不比付钱要简单。我不是说拒绝可以简单，我只是建议你需要意识到自己为什么要做这件事。      7.Youconfuseyouraccountbalancewithyourself-worth            你混淆了银行存款和自我价值      Thebalanceonyouraccountisjustanumber.Yet,wetendtobeemotionalwiththatnumber.Whenthisbalanceisnotuptoourstandards,wemayfeelshameandself-pity.          你银行的钱只是个数字，的确我们对那个数字有感情。一旦达不到一个标准就会觉得丢人和难受。      That’sexactlywhatoverweight–oreventhin–peoplefeelwhenonthescale.Thenumberonthescalefeelslikeitdescribestheirself-worth,whenitdoesn’t!          这就是那些称体重的胖子或瘦子们的想法。称上面的数字似乎显示了他们的价值，但实际并没有啊。      Theresultofthisconfusionisthatyoumightbeafraidtoevenopenupthosenewbills.Or,youmightavoiddealingwithyourdebtbecauseit’sjustwaytooscaryto doso.Butthegoodnewsisthatit’sjustanumber–itdoesn’thaveanythingtodowithwhoyouare.            这样的混淆只会带来一个麻烦，就是你会害怕去花钱。或者只是因为你害怕而再也不想去处理欠款问题了。但其实，这个数字——真的跟你是什么人没有任何关系。      8.Youbuystuffwithoutunderstandingwhy          你总买些莫名其妙的东西      InMoney:ALoveStoryauthorKateNorthrupurgesustounderstandwhatmadeusmakeeachpurchase.First,welookatourcreditcardstatement.Wereourpurchasesgoodones,orarethereanypurchasesthatwewouldhavebeenbetteroffwithout?          金钱：一个爱情故事的作者KateNorthrup要求我们对每一笔花销都心知肚明。首先我们要看看信用卡额度。我们是不是在买好东西，还是这些东西可有可无？      Oncewecompletethisstep,wemoveontosteptwo.Howdidwefeelwhenwemadeeachpurchase?Ifyouactuallydothisstep,youmightfindoutthatthepurchasesyoumadewhilefeelingbad,needy,orlacking,arenottheonesyouareproudof.            一旦完成了这一步，就来到了第二步，买每一样东西的时候是什么感觉？如果你真的做到了这一步，也许会发现买这个让你有点难受、窘迫或者缺钱了，而不是让你骄傲。