8个浪费钱的小习惯 你为啥这么穷！

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. You are a chronic complainer
你是个负能量的抱怨者

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。

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. You think you would never spend this much money, and then spend it
你觉得自己绝不会花那么多钱，然后花了。

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《纽约时报》畅销作家Ramit Sethi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’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. You don’t negotiate
你不还价

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.
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’s how you’ll walk into a negotiation with confidence and ready to tackle anything that comes your way.
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. You think short-term vs. long-term
短期/长期计划

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。

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。