2.用现金代替银行卡。你肯定碰到过刷卡购物时难以控制金额的这种情况。要减小花钱的刺激,方法是每周仅使用一次提款卡,这仅有一次是提出你下周要用的钱。平时不要把卡带出门,为了避免使用信用卡,甚至可以把他们藏在壁橱里难以触及的位置。
3. Buy only what you really need. Most of us take impulsive shopping trips to buy items we really don't really need. Some claim shopping eases their tension, gets their mind off of other things, or gives them a boost of happiness. Take the time to figure out what spurs you to buy unnecessary items. Try to replace shopping with some hobbies like riding your bike or taking a walk with friends.
3. 购买真正需要的物品。大多数人都会冲动购物,买一些并不真正缺少的商品。有些人说,购物可以缓解压力,把注意力从其他事情上移开,或者提升幸福感。你应该去弄清楚是什么刺激你购买那些无用的商品,还应该其他爱好替代购物,比如骑车或者和朋友散步。
4. Track your expenses. Sometimes restaurants and businesses will charge you the wrong amount, but you won't have the receipt to back up your claim. Other times, you might have insufficient funds for the check you just wrote. Keep your receipts, and spend a few minutes every night to double check your charges, and know the current balance of your bank account. It beats getting overcharged or having to pay an overdraft fee.
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