哄骗自己节省开销的方法

The mind works in mysterious — and expensive — ways. But you can pump up your willpower or trick it into helping you spend less. Farnoosh Torabi, author of Psych Yourself Rich (FT Press, $22.99), explained a few mental approaches on Huffington Post:
头脑的运作方式非常神奇——和昂贵。但是你可以发挥你的意志力或哄骗它帮你节省开支。Psych Yourself Rich（金融时报出版社，$22.99）的作者Farnoosh Torabi在《赫芬顿邮报》中解释一下精神方法。

Think it through.
Pressured? Rushed? You’ll spend more recklessly. Infomercials are designed to take advantage of this brain quirk.
仔细考虑。
紧迫？匆忙？你会不顾一切地花费更多。信息商业都在利用大脑这一古怪行为。

Take stock regularly, even if you don’t have to.
Is your budget fine the way it is? So-called status quo bias means you’ll keep paying what you’re paying — cable bills, credit cards — unless you have a compelling reason to change.
定期清查存货，即使不必要。
你的预算跟实际花的刚刚好吗？所谓的现状偏见意味着你要支付你一直支付的东西——有线电视费，信用卡——除非你有一个令人信服的理由去改变。

Saving money is all relative.
Duke behavioral economist Dan Ariely says we’re bad at making comparisons: We may readily pay $3,000 to upgrade to leather seats in a new $25,000 car because it’s a relatively small percentage of the total price, but we’d think a lot longer about paying $3,000 for a new sofa that we’d sit on every night to watch the latest Charlie Sheen interviews.
省钱是相对的。
杜克大学行为经济学家Dan Ariely说我们不善于作比较：我们比较容易花$3000对$2.5万的新车增加皮革座，因为它比起总价格相对比较少钱，但我们应该想得长远一点，花$3000买一套新的沙发，每天晚上都可以坐着看最新的Charlie Sheen采访。

And Ramit Sethi, who runs the website I Will Teach You to Be Rich, gave some tips on increasing willpower (financial and otherwise) to the Bucks blog of the New York Times:
I Will Teach You to Be Rich网站的经营者Ramit Sethi在《纽约时报》雄鹿队博客中给出一些增强意志力的提示。

Automate everything.
Pay bills automatically to avoid late fees.  Channel a portion of your paycheck to your 401(k) and savings accounts.
使一切自动化。
自动化交付肩负所有费用避免滞纳金。把薪水的一部分转到投资401K计划和储蓄账户。

Do a little bit all the time.
If you’re overwhelmed by choices, it’s easy to do nothing. “Instead of trying to save a little bit on everything,” he says, “focus on your two biggest discretionary expenses,” like eating out and drinking, in his case. “Over the next six months, cut each down by 25 to 33 percent.”
每次做一点点。
如果你因太多选择而不知所措，很容易什么都不做。“代替试着对任何事都节省一点点，”他说，“集中在两项最大的任意开销。”如对他而言，在外面吃饭和喝酒。“在接下来的6个月里，每种减少到25%—33%。”

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