衝動消費太可怕：八絕招管住你的錢包
你常常因一時衝動而造成奢侈浪費？即使你是高帥富、白富美，你也仍然應該理性地對待消費，對自己的理財花銷保持足夠的警惕性。下面八招，可以有效地防止你衝動消費。
1. Follow the Time Rule 遵循時間原則
I've seen this defined as something as small as the "one hour rule" and as big as the "30 day rule," but the idea is the same — when you see something that you want, make yourself wait a certain amount of time before purchasing it. The longer you can go, the better. If you still strongly want to make the purchase at the end of the time period, only consider doing so then. 我認爲這個原則就是指等待的時間長短，說短一點，就是“一小時原則”，說長一點，就是“三十天原則”，但精髓還是一樣的——當你看到你想買的東西后，等待一段時間，越久越好。如果你到時候還想買的話，就去買好了。
2. Don't Shop When Upset 別在焦慮時購物
It's easy to look for a product (whether it's food, clothing, or something else) to cheer you up when you're unhappy. One of my worst impulse purchases ever happened at a liquor store — and in an effort to cheer myself up, I purchased three kinds of liqueurs I had been wanting to add to my bar. 當你不開心的時候，靠買東西來使自己開心起來是件很容易的事情（無論食物、衣服還是別的東西）。我最愚蠢的一次衝動消費發生在一家賣酒的店裏——爲了讓自己重新高興起來，我買了我一直以來很想買的三種酒。
3. Consider Changing How and Where You Shop 改變你購物的方式和地點
One of the things I love about shopping online is that it's much easier to ignore extraneous items — I go to Amazon, put what I need in my cart, and check out. But I know if I try on clothing in a store, I'm much more likely to happen upon a dress that I suddenly really want. The solution? Except for groceries and pharmacy items finds, I rarely shop in physical stores. 我之所以喜歡網購的原因之一就是——它能幫我忽略掉那些不必要的商品。在亞馬遜網購物的時候，我會把商品放進購物車，然後檢查一遍。我知道要是我去服裝店的試衣間裏面試穿的話，我很有可能會突然很想買這件衣服。解決辦法是什麼？除了買食物和藥品，我很少會去實體店購物。
4. Don't Shop With the Wrong People 別和錯的人一起逛街
If you have impulse-happy shopping buddies, it can be easy to let them convince you that all the outfits you just tried on look great, and you should TOTALLY buy them. If you want to shop socially, do it with people who have also frugal spending habits (and if they happen to be able to tell you when a dress really looks great on you, well, all the better). 如果你有購物狂一樣的朋友，那他們總是會告訴你，你剛試的那件衣服很配你，然後你會很容易被他們說服買下那件衣服。如果你想有人陪你逛街，那就找一些勤儉節約的朋友陪着你。（要是他們也說你穿那件衣服很好看的話，嗯，那就更好了。）
5. Give Yourself a Splurge Budget 給自己一個寬裕的財政預算
Whether it's budgeting for one new clothing item a month, allowing yourself a fancy coffee every now and again, or giving yourself spend-it-however-you-want cash, give yourself some room so you don't feel like a penny-pinching miser. 不論是什麼樣的預算都行——每月可以給自己買一件新衣服，每隔一陣子能去喝一杯花式咖啡，或是給自己一些可以隨便花的額度。給自己留點額度，這樣不會使你看上去像個守財奴。6. Only Buy Things You Can Return 只買享有無條件退貨政策的商品
If you really have a problem with impulse purchases, at the very least, buy from stores with good return policies. 如果你真的有衝動消費的毛病，那最後一個辦法就是，去那些有無條件退貨政策的店裏買。
7. Remember to Not Be Fooled by Sales 別一看到大減價就hold不住了
Sales with huge markdowns can make impulse purchases very tempting. For years, half my shoe collection was made up of shoes I only sort of liked, but had found on sale. Remember, if you see a product on sale, you will always save more money if you don't buy it at all. 大減價的活動很容易造成衝動消費。我在大減價時買的那些鞋子，幾乎佔了我全部鞋子的一半。我是有一點點喜歡它們的，可其實還是因爲它們在減價，所以纔買下了它們。如果你再看到有商品正在促銷的話，記住，不買總是最省錢的。
8. Keep a List of Things You Really Want or Need 列一張購物清單
That way, if you do see them on sale, you can buy them with confidence. 這樣的話，如果你正碰上它們大減價你就能果斷買下了。
9. Don't Give Yourself Access to Your Money 別給自己太多錢
Whether it's leaving your credit cards at home or only carrying a certain amount of cash, you can't make impulse purchases if you don't have the money to do so. 不論你採取什麼方式，把信用卡留在家裏或是帶一小部分的現金在身上都可以。你要是沒錢那當然不能再衝動消費啦。
