Have you ever wondered why you’re not rich yet? Maybe you’re perplexed on why you can’t seem to save more or get your spending under control, despite your best efforts. In theory, managing your money should be simple: spend less, earn more. But as humans our brains are wired in a certain way based on our experiences and conditioning, and that wiring may be partly to blame for your money woes.
你是否曾經(jīng)思考過為什么自己還不是有錢人？也許你在自己多省錢，控制花錢的問題上迷惑了，盡管你已經(jīng)盡了最大的努力。理論上來說，管理你的金錢應(yīng)該是簡單可行的：少花，多賺。但是作為人類，我們的大腦在一定程度上與我們的經(jīng)歷與自我調(diào)節(jié)是相關(guān)聯(lián)的，這種關(guān)聯(lián)性也許就是你的金錢問題的一部分罪魁禍?zhǔn)琢恕?/div>

1. You Have a Scarcity Mindset
1. 你有稀缺心態(tài)

If you constantly feel like you never have enough money, you may be suffering from a ‘scarcity mindset’.
如果你總是認(rèn)為自己永遠(yuǎn)不會有足夠的金錢，你可能就受到了“稀缺心態(tài)”的折磨了。

According Psychology Today, “A scarcity mindset narrows our time frame, causing us to make impulsive, short-term decisions that increase our difficulties in the long-term, like putting off paying credit card bills or not opening bills, hoping they will magically disappear.”
根據(jù)《今日心理學(xué)》的報道，“稀缺心態(tài)縮小我們的時限，導(dǎo)致我們?nèi)プ龀鰶_動短期的決定，從而增加了長期的困難，就像延遲交付信用卡賬單或者不開賬單，希望它們會神奇地消失?！?/div>

Having a scarcity mindset can lead to a feeling of deprivation that can lead to poor judgement. For example, you can overspend to try and fill the void of not having enough. Conversely, it could also lead to extreme penny pinching — and the inability to enjoy life — because you feel like there will never be enough.
稀缺心態(tài)會導(dǎo)致剝奪感，這就能導(dǎo)致判斷失當(dāng)。例如，你可以過度花費(fèi)，去嘗試并填滿自己“不足”的空虛感。相反的，它還會導(dǎo)致極端的錙銖必較，也無法很好地享受生活，因為你永遠(yuǎn)都不滿足。

You may not get over your scarcity mindset over night, but you can work towards getting over it by writing all the things you do have in your life right now. Focus on what you do have, not what you don’t.
你可能無法突然擺脫稀缺心態(tài)，但你可以努力去擺脫它，通過寫下當(dāng)下生活中確實擁有的東西。專注于你所擁有的，而不是你沒有的。

2. You’re Not Aware of Your Spending Triggers
2. 你沒有意識到你的“花錢觸發(fā)器”

Our relationship to money and spending can be deeply personal.
我們對于金錢與花錢的關(guān)系可以算得上是深深與個人相關(guān)的。

We may all have our own beliefs about money, but all of us have psychological ‘spending triggers’. Spending triggers are places, environments, or emotions that can trigger you to spend more than you normally would. For example, if you have a spending problem and walk by your favorite store, you might be triggered to spend.
我們可能都有對于金錢的信仰，但是我們?nèi)巳硕加行睦砩系摹盎ㄥX觸發(fā)器”。不同的地點，不同的環(huán)境，或者情緒都可以促使你花上比平時更多錢。例如，如果你有一個花錢上的問題，然后走路經(jīng)過了你最喜愛的商店，你可能就有到里面買東西的沖動了。

And if you’re tired or sad, you might find yourself shopping online.
而如果你很累或者傷心，你可能會上網(wǎng)購物。

The key is to recognize your spending triggers. What situations or emotions tend to trigger a spending spree? Write down your spending triggers and modify your behavior so that you can try to avoid those landmines that can lead to increased spending.
關(guān)鍵在于分辨出自己的花錢觸動器有哪些。什么樣的情況或者情緒會傾向于觸發(fā)消費(fèi)熱潮？寫下你的沖動來源，修整自己的行為，這樣你就能避免這些導(dǎo)致消費(fèi)增加的地雷。

3. The Status Quo Bias Is Keeping You Stagnant
3. 安于現(xiàn)狀讓你停滯不前

As we grow older, we tend to get pretty comfortable with our surroundings and how we do things. Unfortunately, this may not be so great for our financial lives.
當(dāng)我們的年紀(jì)增長，我們更傾向于安于我們的環(huán)境和工作的方式，不巧的是，這對于我們的經(jīng)濟(jì)生活卻不是什么好的消息。

In order to improve your financial life, you need to change aspects of your current lifestyle. Whether you’re paying off debt or trying to save for retirement, reaching your financial goals means making some serious shifts in behavior — and that’s something most people aren’t willing to do, according to the status quo bias.
為了提高經(jīng)濟(jì)生活，你需要改變當(dāng)前的生活方式。不管你交付了債務(wù)或者努力為退休存錢，想要實現(xiàn)經(jīng)濟(jì)目標(biāo)就意味著要在行為方面認(rèn)真地做出調(diào)整——那也是大多數(shù)人不愿意去做的，與他們安于現(xiàn)狀的態(tài)度很相符。

The status quo bias is a cognitive bias that states that most people prefer to stick with the familiar and prefer things to remain the same. However, if you’re trying to improve your finances, you can’t do things the way you’ve always done them. Getting out of debt or building wealth typically requires changing mindsets getting out of your comfort zone.
現(xiàn)狀偏見（即安于現(xiàn)狀）是一種認(rèn)知偏見，表示大多數(shù)人更傾向于堅持熟悉的人事物，更喜歡保持不變。然而，如果你正嘗試改善個人財務(wù)狀況，你就不能按照舊的方式去辦事。擺脫債務(wù)危機(jī)或者積累財務(wù)通常需要改變你心態(tài)走出舒適圈。

And it also means recognizing how inertia is holding you back.
這也意味著要意識到阻礙你前進(jìn)的慣性。

To break the status quo, try doing things a little differently and recognize it will be a bit uncomfortable. That’s okay. Our greatest achievements tend to occur outside of our comfort zones.
為了打破現(xiàn)狀，學(xué)會有點不一樣地做事，并且承認(rèn)這么做會有一點不舒服。那是沒關(guān)系的。我們最大的成就常常就在我們的舒適圈以外出現(xiàn)了。

4. The Ostrich Effect Has You Keeping Your Head in the Sand
4. 鴕鳥效應(yīng)讓你退縮

As humans, we generally seek out pleasure and try to avoid pain. When it comes to your finances, it’s no different. Researchers Dan Galai and Orly Sade found that investors tend to avoid negative information and avoid risky situations. They dubbed this behavior as the ‘Ostrich Effect’, the process of avoiding risky financial situations by burying your head in the sand and not acknowledging they exist.
作為人類，我們一般都會趨利避害。當(dāng)談?wù)摰截攧?wù)問題時也無異。研究人員Dan Galai和Orly Sade發(fā)現(xiàn)，內(nèi)向者一般都避免負(fù)面的信息和危險的場景。他們把這種行為稱之為“鴕鳥效應(yīng)”，避免財務(wù)情況的過程，把你的頭埋在沙子里，不承認(rèn)它們的存
在。

Though their study was based on investors, it’s easy to see how this can relate to other areas of finance.
盡管他們的研究對象是內(nèi)向人群，但不難看出這也可以與財務(wù)的其他方面聯(lián)系起來。

Perhaps you’re avoiding that credit card bill or put off logging into your checking account because it’s too depressing.
也許你在逃避交付信用卡費(fèi)，或者拖延登錄個人賬戶，因為這是一件太讓人傷心的事情了。

In order to combat the Ostrich Effect, it’s important to face your money troubles head on. Avoidance can only lead to more troubles down the line, so take action with your finances and acknowledge that it may be tough or painful — but will lead to better financial management.
為了避免“鴕鳥效應(yīng)”的陷阱，你就必須面對當(dāng)前的金錢問題。逃避只會造成以后更多的問題，所以要行動起來，并意識到這個過程可能是艱難或痛苦的，但會讓你培養(yǎng)更好的財務(wù)管理能力。

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