冲动消费太可怕：八绝招管住你的钱包

你常常因一时冲动而造成奢侈浪费？即使你是高帅富、白富美，你也仍然应该理性地对待消费，对自己的理财花销保持足够的警惕性。下面八招，可以有效地防止你冲动消费。

1. Follow the Time Rule 遵循时间原则

I've seen this defined as something as small as the "one hour rule" and as big as the "30 day rule," but the idea is the same — when you see something that you want, make yourself wait a certain amount of time before purchasing it. The longer you can go, the better. If you still strongly want to make the purchase at the end of the time period, only consider doing so then. 我认为这个原则就是指等待的时间长短，说短一点，就是“一小时原则”，说长一点，就是“三十天原则”，但精髓还是一样的——当你看到你想买的东西后，等待一段时间，越久越好。如果你到时候还想买的话，就去买好了。

2. Don't Shop When Upset 别在焦虑时购物

It's easy to look for a product (whether it's food, clothing, or something else) to cheer you up when you're unhappy. One of my worst impulse purchases ever happened at a liquor store — and in an effort to cheer myself up, I purchased three kinds of liqueurs I had been wanting to add to my bar. 当你不开心的时候，靠买东西来使自己开心起来是件很容易的事情（无论食物、衣服还是别的东西）。我最愚蠢的一次冲动消费发生在一家卖酒的店里——为了让自己重新高兴起来，我买了我一直以来很想买的三种酒。

3. Consider Changing How and Where You Shop 改变你购物的方式和地点

One of the things I love about shopping online is that it's much easier to ignore extraneous items — I go to Amazon, put what I need in my cart, and check out. But I know if I try on clothing in a store, I'm much more likely to happen upon a dress that I suddenly really want. The solution? Except for groceries and pharmacy items finds, I rarely shop in physical stores. 我之所以喜欢网购的原因之一就是——它能帮我忽略掉那些不必要的商品。在亚马逊网购物的时候，我会把商品放进购物车，然后检查一遍。我知道要是我去服装店的试衣间里面试穿的话，我很有可能会突然很想买这件衣服。解决办法是什么？除了买食物和药品，我很少会去实体店购物。

4. Don't Shop With the Wrong People 别和错的人一起逛街

If you have impulse-happy shopping buddies, it can be easy to let them convince you that all the outfits you just tried on look great, and you should TOTALLY buy them. If you want to shop socially, do it with people who have also frugal spending habits (and if they happen to be able to tell you when a dress really looks great on you, well, all the better). 如果你有购物狂一样的朋友，那他们总是会告诉你，你刚试的那件衣服很配你，然后你会很容易被他们说服买下那件衣服。如果你想有人陪你逛街，那就找一些勤俭节约的朋友陪着你。（要是他们也说你穿那件衣服很好看的话，嗯，那就更好了。）

5. Give Yourself a Splurge Budget 给自己一个宽裕的财政预算

Whether it's budgeting for one new clothing item a month, allowing yourself a fancy coffee every now and again, or giving yourself spend-it-however-you-want cash, give yourself some room so you don't feel like a penny-pinching miser. 不论是什么样的预算都行——每月可以给自己买一件新衣服，每隔一阵子能去喝一杯花式咖啡，或是给自己一些可以随便花的额度。给自己留点额度，这样不会使你看上去像个守财奴。