几个小窍门避免冲动消费

❶购物清单

可以在购物前列一份清单。买圣诞礼物也好，买日常杂货也罢，购物清单可以帮助你理清思路。如果能够坚持按照清单消费，就可以适当奖励自己：比如顺便买杯咖啡，或者回家以后放松一下。

Prepare a list prior to shopping. Whether you're purchasing Christmas presents or buying groceries, having the items you need written down will provide you with clarity and order while you're shopping. Reward yourself for sticking to your list and you'll be more likely to commit to it: buy a cup of coffee while shopping or plan a fun activity for when you return home.

❷抵制诱惑

想想你最大的开销是什么？在商场买买买？外出吃饭？度假？列出消费明细，才能采取措施抵制诱惑。比方说，如果你周末经常外出吃饭，那就在周五那天往橱柜里屯点食物，以便督促自己在家下厨。

Think about what you struggle with most financially. Do you spend too much money at the mall? Eating out? Vacations? Make a list of where your money is going and take necessary steps to avoid temptations. For example, if you spend too much money on dining out on the weekends, stock your cupboard with groceries on Friday so you'll be more likely to stay in and cook.

❸减少攀比

别再与邻居、同事或朋友攀比了。大家的经济状况因人而异，决定因素多种多样，但绝对与个人价值无关。攀比不仅耗费钱财，还会降低满足感。与其怨天尤人，不如感恩当下。

Give up the need to keep up with your neighbors, co-workers, and friends. Everyone's financial situation is different and it's dependent upon a variety of factors, least of all being one's self worth. Comparison leads to debt and dissatisfaction with what you already have. Appreciate what you currently have by practicing gratitude.

这样看来，适当的买买买的确可以减压，但还是要以个人的经济状况为前提，如果只因一时冲动而一掷千金，到头来后悔的还是自己。