Few people need to be told not to overspend on credit or debit cards or to curbimpulse shopping. You know you shouldn't, even if you always do. What you need are solutions.Whatever your problems with money, you can change – but it’s going to take work. After all, you're trying to break lifelong patterns. Start with these strategies
一些人需要別人提醒，不要透支信用卡或借記卡，要注意沖動消費的問題。也許你一直在過度消費可是你卻不自知。那么你需要解決這些問題了。不管你在花錢上有什么壞習(xí)慣，你都可以改變，但需要你用心去做。不管怎么說，起碼你已經(jīng)想要開始改變長期以來的不良消費習(xí)慣了，讓我們從下面這些方法開始吧

Set realistic goals.
制定符合實際的目標(biāo)。

A lot of people set themselves up for failure because they have a mindset of either indulgence or deprivation. If you try to deprive yourself of too much, where you spend almost nothing, then you end up giving up, and you indulge, and then you overspend. So if you have an unrealistic plan, you're probably going to lose control.Good habits happen when planned; bad habits happen on their own.
很多人無法成功改變，不是因為他們固有的放縱觀念就是因為固有的克制觀念。當(dāng)你試圖克制自己不花一分錢時，結(jié)果只會是你因無法忍受而放棄。然后你就放縱自己，最終變成過度消費。因此如果你為自己制定的計劃是不符合實際的，你很可能會失去控制。好習(xí)慣的養(yǎng)成源于合理的計劃，壞習(xí)慣的發(fā)生也可能源于不合理的計劃。

Change your mindset.
改變你的觀念。

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·阿庫納說她曾為一對夫婦提供心理咨詢，他們經(jīng)常因妻子亂花錢而爭吵，甚至經(jīng)常為他們在星巴克消費了多少而吵個不停，因為妻子喜歡在每個工作日為自己購買一杯可口的飲料。不過最終妻子改掉了這個習(xí)慣，她不再經(jīng)常買飲料，而是喝一些免費的飲品。

Change how you spend your money.
改變你花錢的方式。

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.
如果你能夠?qū)⑺⒖ㄏM的習(xí)慣改成現(xiàn)金消費將是很好的開始。刷卡消費很容易讓你感覺不到自己具體花費了多少，并且養(yǎng)成無意識消費的習(xí)慣。你可以將你的錢分成幾份將其放入信封，并在信封上寫明每筆錢的用處。這樣你就可以清楚的知道你的錢都花在了哪里。

Track your spending.
記賬。

Get a receipt for every purchase.Breaking up your expenses into categories like food, clothing, housing, medical care and so on, but also labeling each expense as a need or a want.Be realistic as to what is really necessary. A need is something where you would die or go to jail if you didn’t spend the money or ruin your credit.At the end of the month, total up all the categories.Do this, and you'll be more educated about how much money you actually have, and how much you have left over for fun stuff.
購買東西盡量保留收據(jù)或發(fā)票。將你的花費分類記錄，比如食品、衣服、家用、醫(yī)療等等。并區(qū)分哪些是必須買的，哪些只是你想要買的。對于什么是真正必須購買的要確認(rèn)清楚，它是指如果你不買你就生存不下去的物品，以及如果你不買就有可能引誘使犯罪或者造成不良信譽的物品。然后在每月月底，將每一類花費匯總起來算算自己的開銷情況。堅持這樣做下去，你將會越來越清楚你實際應(yīng)該花費多少，有多少錢是花在了享樂上。

Reward yourself
獎勵自己。

There is probably a reason you developed bad habits, which are often adopted on the road easier traveled. So if you're suddenly balancing your bank account every day, or you're regularly putting money into an emergency fund, plan to give yourself some sort of prize for the past two weeks, you've been saving money or spengding it more wisely. you can probably afford it.
在省錢的過程中也可能會有某種原因讓你養(yǎng)成壞習(xí)慣。如果你突然每天都能平衡開支，或者將錢存起來以備急用，那么每半個月獎勵以下自己吧。你已經(jīng)學(xué)會如何存錢，如何更加合理的用錢了，那么相信你是負擔(dān)得起這偶爾一次的享受的。