理財有道:幾個你應該改掉的壞習慣

Don’t let these bad financial habits keep you from your long-term spending goals. Identify your weaknesses and start remedying them.

不要讓這些壞習慣使你遠離你的長期財務目標。認清你的弱點，並開始改正。

1. You move every single year.
According to U.S. Census statistics, approximately 20 million Americans change addresses each year, and since moves are often prompted by a life change, like getting married or having a baby, we often end up spending money on things we don't anticipate. These purchases can run the gamut from a big-ticket item, like a new car, to small electronics, like a navigation system to help you get around your new neighborhood. Of course, many of these expenses will be unavoidable, which nicely brings us to our next point.
1．你每年都搬家
根據美國人口普查統計，大約有2000萬美國人每年都改變住址，既然搬家通常是由於生活變動引起的，如結婚或生孩子，我們最終常常把錢花在我們沒料到的東西上。這些購買可能涉及一個大件物品，像一輛新車，到小電子產品，像一個導航系統來幫助你融入你的新社區。當然，這些費用許多是不可避免的，它很好地帶我們進入了下一階段。

2. You still don't have a savings account.
In June 2012, Bankrate found that the number of people with zero emergency funds rose to 28 percent from 24 percent in 2011. You probably know by now that you should have six months' net income set aside in case of an emergency, and establishing that savings is easier than you think.
2．你仍然沒有儲蓄帳戶
2012年6月，Bankrate發現應急基金爲零的人員數量從2011年的24%上升到了28%。你現在大概都知道在緊急情況下你應該留出六個月的淨收入，設立儲蓄賬號要比你想象的容易。

3. You can't fathom downgrading.
Despite a bad economy, a survey by STORES Magazine found that many of us are unwilling to give up "needs" like satellite TV and a professional haircut for the sake of saving some dough. (We are, however, more inclined to give up such luxuries as designer jeans and dining out.) Still, it's worth downgrading your cable service to see how much you can save. If you truly can't handle it, you can always reinstate your service.
3．你不能領會降級
儘管經濟不景氣，《Stores》雜誌的一項調查發現，我們許多人都不願意放棄像衛星電視和專業髮廊的需求以便節省一些錢。(然而，我們更傾向於放棄像品牌牛仔褲和外出用餐這樣的奢侈品)。但是降級有線服務看看能存多少錢是值得的。如果你真的無法掌控，你總是可以恢復你的服務。

4. You spend too much time on your mobile device.
Given how many hours we tend to wile away on our smartphones and tablets, it's not surprising that more than half of us believe our mobile devices spur us to spend more. And, truth be told, many of us do—to the tune of $204 a month on apps and downloads alone, according to a recent poll conducted by the American Institute of CPAs. Sounds like taking the occasional break from technology could benefit your wallet as much as your eyes.
4．你花太多時間在你的移動設備上
鑑於我們傾向於消磨多少小時在我們的智能手機和平板電腦上，超過半數的人相信我們的移動設備刺激我們花費更多，這毫不奇怪。說實話，根據最近的一項由美國註冊會計師協會研究所的民意調查，我們中許多人一個月僅在應用和下載上花費共計204美元。聽起來像是偶爾脫離科技可能使你的錢包比你的眼睛獲益更多。

5. You don't pay attention to your paycheck.
Seven in 10 Americans are adjusting their spending to accommodate recent payroll tax changes, according to the National Retail Foundation. Are you one of them? If not, you should be, since your paycheck could have decreased by at least 2 percent. While that doesn't seem like much, it adds up by the end of the year. And if you don't adjust your spending habits, you're more likely to find yourself at a loss—if not in debt—by year's end.
5．你不注意你的薪水。
10個美國人中有7個正在調整他們的支出來適應最近工資稅的變化，根據全國零售基金。你是其中之一嗎？如果沒有，你應該成爲其中一個，因爲你的薪水可能減少了至少2%。雖然這看上去不太多，但它在年底就會累積起來。如果你不調整你的消費習慣，你更可能發現自己今年年底如果不是負債那也是虧損的。

6. You don't use cash.
It sounds like advice your father would give you, but it's a fact that's been proven by multiple studies: People who pay in cash spend less. Why? When paying in cash, you have to physically part with the money. Of course, you don't have to use cash all of the time, but giving yourself a budget for cash purchases toward a week's worth of lunches or coffee runs can help you keep better track of your cash flow.
6．你不用現金
這聽起來像是你的父親會給你的建議，但這是由多項研究已經證明了的事實：以現金支付的人花錢更少。爲什麼？當付現金時，你必須與錢直接接觸。你當然不需要總是使用現金，但在現金購買一週的午餐或隨走咖啡上給自己留一個預算能幫你更好地跟蹤你的現金流。

7. You have too many bank accounts.
At the end of the day, having just one account will keep more pennies in your pocket, researchers found. According to a study in " Organizational Behavior and Human Decision Processes," people who made payments from a single account spent 10 percent less than those who had multiple ones.
7．你有太多的銀行賬戶
研究人員發現：在一天結束時只有一個帳戶將使你口袋裏留有更多的硬幣。在《組織行爲和人類決策過程》中的一項研究顯示，從單個賬戶支付的人比那些擁有多個賬戶的人節省了10%。