Change your mindset.

改变你的观念。

Smith-Acuna says she had a couple in therapy who constantly quibbled about what she feels has become a monetary cliche. They would always argue about how much money they were spending at Starbucks.The wife loved capping off each workday with agourmet drink.Ultimately, the wife ended up quitting her Starbucks habit.Instead of replacing her drink with nothing, she got something else, something free, in return.

史密斯·阿库纳说她曾为一对夫妇提供心理咨询，他们经常因妻子乱花钱而争吵，甚至经常为他们在星巴克消费了多少而吵个不停，因为妻子喜欢在每个工作日为自己购买一杯可口的饮料。不过最终妻子改掉了这个习惯，她不再经常买饮料，而是喝一些免费的饮品。

Change how you spend your money.

改变你花钱的方式。

It’s a good start if you switch from paying for merchandise and services with a debit or credit card to paying with cash. It's easy when you're using plastic to mindlessly swipe and fall into a pattern of not thinking or noticing how much you're actually spending.You can divide up your money and put it into envelopes, marking down on theenvelopes what each pile of money is for. That can make it easier to see where your money is going.

如果你能够将刷卡消费的习惯改成现金消费将是很好的开始。刷卡消费很容易让你感觉不到自己具体花费了多少，并且养成无意识消费的习惯。你可以将你的钱分成几份将其放入信封，并在信封上写明每笔钱的用处。这样你就可以清楚的知道你的钱都花在了哪里。

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