大家好 这里是实用心理学
Yo guys, it’s practical psychology
今天由我们和 Beat the bush 合作
And today we’ve got another collaboration with beat the bush
Beat the bush 有非常多关于信用卡的视频
Beat the bush has all kinds of videos on credit cards
关于如何存钱 如何有效地花钱 如何理财
how to save money，how to spend money efficiently，how to use your money
等等各种有关金融策划类的视频 相信一定能帮到你们
all kinds of financial planning videos I think you guys could get a lot of help from
我曾经看过他的第七或者第八个视频
And I was actually been watching some of his videos on the 7th or 8th one
我发现这个神奇的视频叫做
I found this amazing video called
如何让节俭的生活看起来富裕
How to look rich but live frugally
我记得应该是这个名字吧
I think that’s what it’s called
不管怎样 在那之前 我对待他的视频非常认真
Anyways, before that I took his channel really seriously
他有超多超赞的内容和游戏计划以及理财方法
he has a ton of awesome content and game plans and what to do with your money
所以我觉得这些视频真的超有意思
Anyways I watched this video and it was super entertaining like
我大概笑了七八次 你们真的要看看这个视频 如果
I laughed like seven or eight times，you guys have to watch it if you enjoyed
你愿意的话 我会把它放到屏幕里面 我希望你们会喜欢它 最近怎么样
this video, I’ll put it in the in screen，I hope you guys enjoy. How’s it going
伙计们 这里是 绕圈子 感谢实用心理学在你的频道里提到我
everybody this is beat the bush thanks practical psychology for having me on
今天 我想要给你们介绍9个心理学的方法
your channel ，today，I like to introduce everybody to 9 psychological ways to get
让你们少花钱 那么我们开始吧 你要做的第一件事情就是
yourself to spend less money，so let’s get to it，first thing you can do is
不管你想要什么 把它写到一个列表上 在买之前等待30天
whatever you want，write it all down on the list，wait 30 days before actually
这个想法的意义在于 减少了冲动购物
trying to buy，the thinking behind us is that it reduces impulse buys oftentimes
当你在等待时 它经常就会降价 每一次当我写下一个我想要东西的单子时
when you wait a lot it would also reduce in price whenever I kept a list of
我发现我会把他们划掉
things I actually want，I find that I would actually cross things off because
因为那些我曾经很想要的东西已经不再吸引我 第二件事情
those things that I wanted before were no longer desired，the second thing you
就是看看2-5年前相似的商品
can do is look at a similar item that’s two to five years old and then you can
看看它贬值了多少 如果你想要买的东西真的是新品
see how much it actually depreciates，if whatever you want to buy is actually to
你应该看一下一个老的产品 并查一下如今它的价格是多少
new，you should look at an older model and check out what the price it is today
你经常会发现在2-5年后 价格会大幅下降
oftentimes you’ll see that prices reduces greatly after two to five years
尤其是电子产品 看到电子产品大幅度降价
especially for electronic items，seeing that it depreciates so much，this may
这会阻止你想要买这个产品的欲望 第三件事
deter you from actually wanting to buy that item anymore，the third thing you
你需要注意的是 一些产品的高昂的市场价格
can think about is the high market prices of some items if you go into a
如果你去像百思买集团一样的零售店 他们从其他公司买来商品卖给你
retailer like Best Buy they actually buy products from other companies to sell to
他们以很低的折扣价格购入 然后把他们买来的折扣商品以100%的价格卖给你
you now they buy at a great discount and they sell at you up to a hundred percent
但是这个方法并不适用于 高价格的产品 比如
over what they pay now，this doesn’t apply to high price items like TVs and
电视和笔记本电脑 这些产品在商场里面一般是10%-15%的折扣
laptops where the market is roughly ten to fifteen percent，so knowing that
所以当你知道 你正在支付他们大额的利润 并支持他们运营店铺
you’re actually paying for their large profits and actually to run the store
这也许会阻止你买那件商品 第四件需要思考的事情是
may actually deter you from buying that item the fourth thing to think about is
不论什么时候你买一个商品 也许会有很多绑定商品 比如
that whenever you buy item it may require a lot of accessories，for example
一部游戏机也许会要求你买一个控制器 买一堆游戏
a game console may require you to buy another controller buy a bunch of games
买一些电线 买一些可充电电池
buy some cables，buy some rechargeable battery
或者买一些虚拟现实装备等等 等你把这些东西都买齐以后
and also by some VR gear or whatnot by the time you buy all this it’s going to
消费是原有游戏机的三或四倍
be three or four times the original price of the console
同样的事也适用于超清分辨率电视机 一旦你被捆绑购买了一个超清分辨率产品 你需要购买一个播放器
same thing with 4k TVs，once you bind it as 4k business you have to buy a player
去播放超清分辨率 在此之后你也会想要买一个高清分辨率的相机 还有放置
to play the 4k you may also want to buy a 4k camera after this and also media in
高清分辨率播放器的媒介 第五件需要注意的是
order to put into your 4k player as well，the fifth thing to consider is to borrow
先租和借 许多人有很多只用过一两次的商品
or rent it first，a lot of people have a lot of items that are just used once or
如果你养成了先借或者租东西的习惯 并以此来确定你真的
twice，if you get in the habit of borrowing or renting first just to make
会长时间使用它 那么从长远来看 你会节省一大笔钱
sure you really are going to use this thing long term then you may save a lot
你可以做的第六件事是 在家确实做到有条理
of money in the long run，the sixth thing you can do is actually being organized
因为这样会减少你在商场重复购买的机会
at home，because this reduces your chance of buying duplicates at the store when
当你家杂乱无章时 你会购买一大堆你已经有的东西
your home is disorganized you may have a whole bunch of things that you bought
它也许就在碗橱后面 而你却不知道它就在那
already and it will be in the back of the cupboard and you didn’t even know
所以当你认为你用完某件商品
it’s there so you think you ran out of the item and
然后你再去商店买另一件 你会意识到如果你从一个混乱的房间
you go to the store and buy another one，you’ll notice if you ever go from a
到一个干净有序的房间 在你打扫房间以后
cluttered home to an organized home you’ll see that there’s a lot of
你就会发现很多重复的商品 如果这些商品是可消耗的
duplicate items after you do your cleanup，all of these items if they’re
那么它们就可以被用光 然而如果你买了十把剪刀
consumable they can be consumed however if you bought like 10 pairs of scissors
那么你也无法用多余的剪刀做些额外的事情 第二件事情
then really you can’t do much with that many extra scissors the second thing is
有点与我们的直觉相反 就是不要去买最低价格的商品
kind of counterintuitive which is to not buy the lowest price
而是买那些在你可用的时间内每年成本最低的商品
but the lowest cost per year to own that item
这其中的道理就是 如果你买了一件特别便宜的商品 它可能不是特别耐用
the thinking here is if you buy an item that’s too cheap it may be not very durable
并且它还会占用你一年中的很多时间
and it would break multiple times in a year and
然后你就不得不再买一件那个便宜的商品
then you have to just rebuy that cheap item again
但是你也不应该想着买最贵的东西 因为
however you should not get caught up in buying the most expensive item because
你会想这件商品的质量的确特别好并且它会陪伴你一生的时间 这是因为
you think it’s really high quality and will last you a lifetime this is because
即使它能用一生 你也可能每年都多付了点钱
even if it lasts a lifetime,you maybe overpaying for the per year cost
你实际想要购买的 是那些价格除以可使用年限 所得比例最低的产品
what you actually want to do is buy the lowest ratio of the price of the item divided by the number of years it would last
第八种能让你花更少钱的方法就是看看商品的价格
the eighth way to get yourself to spend less is to look at the price of the item
然后再看看如果你省下这笔钱的话 你的退休工资将会少损失多少
and see how much you wouldn’t be losing out on in your retirement if you saved it instead
如果你认为你花对了这笔钱 那么你将会得到每年百分之八的回报
if you assume you invested this money properly you’ll get an average return of eight percent every single year
三十多年后 这就将是一个十倍的增长 如果你花一千美元买了件商品 你就可以想想
over 30 years this is about a tenfold increase if you’re spending a thousand dollars on something you can actually think of
你的退休工资少了一千美元 如果你买了一个 三万美元的卡 那你就真的是把你的退休工资减少了大约
yourself losing $10,000 in retirement if you’re buying something like a $30,000 card you’re actually reducing
your retirement networks by about
三万美元 第九条也是最后一个方法就是
$300,000 the ninth and final way to reduce spending is to reduce spending on
减少花在食物上面的开销
food by more about it
就像你知道所有那些畅销的奶酪里面都会有纤维素
just give to you an example you know all those traded cheese well they put cellulose in it
但是你知道你该如何得到纤维素吗
and you know how to get cellulose
为了提取纤维素 把树木的木质纸浆作为原材料并放入这些化学制剂
they start with wood pulp yes wood from trees and they put all these chemicals in it in order to extract the cellulose
这种纤维素放入奶酪中让奶酪不会变质
this cellulose is what they put in all these cheeses to keep them from comping
纤维素也被放入很多不同的食物中现在蔬菜中的纤维素是挺好的
also put cellulose in a lot of different foods now cellulose from vegetables are also just fine
但是来自树木并混合了大量的化学品的纤维素并不好
but cellulose from trees and lots of chemicals it’s not so good for you
尾肉是指他们在红肉的包装中使用了一氧化碳以确保肉的红润
tailpipe meats means they use carbon monoxide inside the packaging of red meat in order to keep them redder
所以你会更快地买它 现在他们放了少量的在里面
so you would actually buy it quicker now they put a small amount in it
我真的不想吃太多这种东西
I certainly don’t want to eat too much of this
如果你进入超市的中间走道大多数的东西都加了防腐剂和大量的糖
if you go into middle aisles of the supermarket most items are filled with preservatives lots of sugar
而且那些罐头食品通常都放满了盐 只吃一口都会让你咸一整天
and those canned foods are usually filled with a lot of salt just eating one can will give you enough salt for the whole day
希望你们能喜欢这个从心理上节约开销的方法
I hope you enjoyed the psychology of spending less
如果你喜欢更多这样的内容
if you’re interested in more content like this
不要忘记在这儿点击标志订阅我的频道
don’t forget to subscribe to my channel over here at beat the bush
在我的频道里我会讲一些像个人财政如何提高你的信用度 和提早退休的事
over in my channel I cover things like personal finance how to improve your credit score and also early retirement
不要忘记给我一个赞
don’t forget to give me a like
如果这个视频帮你节约了开销记得在视频下面评论让我知道
on this video comment down below let me know if this helps you spend less