(单词翻译:单击)
Yeah, right? You buy a sweater for your sister. You're thinking, "Ooh, I like this sweater, too." And then you buy one.
是的, 没错? 你给妹妹买了一件毛衣。你在想，“哦，我也喜欢这件毛衣。” 然后你也买了一件。
In fact, Gallup did a survey and said that this holiday season, many people are going to be shopping for themselves as they shop for other people.
事实上，Gallup做了一项调查，说这个假期，很多人在给别人买东西的同时，也会给自己买东西。
It's no problem treating yourself. But if you're busting your budget, you want to control that.
犒劳自己没有问题。但如果超出了预算，就会想要控制。
And then there's the bargain hunter. They live for Black Friday and Cyber Monday.
第三种类型是折扣族。他们为黑色星期五和网络星期一而活。
It's like the Super Bowl to them. They're the ones who would be willing to get up at 2:00 and 3:00 in the morning, when the stores were doing that, to stand in line to snap that bargain.
对这类人而言，这些活动就像超级碗。他们是那些当商店开门促销时，愿意在凌晨两三点起床排队抢购便宜货的人。
But if you've not really watched prices during the year, you may not actually be getting a bargain and you could be losing sleep in the meantime as well.
但如果你在这一年中没有真正关注价格，那么你可能买不到便宜货，同时也可能会睡不上觉。
What's more precious than that, right?
还有什么比睡觉更珍贵的呢?
That's right. And then the last-minute maven. This is a person who's a procrastinator.
没错，第四种类型是最后一分钟才能定下来的买手，这类人爱拖延。
And that can mean that you make poor buying decisions because you're feeling rushed and you're standing in a long line and you're next to stuff that they want you to buy, because a lot of the stores have items in the checkout line, and so you're just grabbing stuff, and next thing you know, you've overspent.
这可能意味着会做出糟糕的购买决定，因为你会感觉很仓促，你排了很长的队，商家想让你买的东西就在你旁边，因为很多商店的收银台都有商品，所以你只是在抢东西，接下来你就会知道你已经超支了。
And the last person is the early bird. These people, they're listening to this, they've already finished their holiday shopping.
最后一种类型(第五种类型)是早买早享优惠的人。这类型的人早已完成了假日购物。
Yeah. They're like, "What? You all are behind. What are you doing?"
是的。他们会说：“什么? 你们都落后了。你们在干什么?”
Exactly. They're like, "I don't know why y'all in that mess."
没错。他们会说：“我不知道你们为什么会乱成一团。”
My sister's like that. She buy -- By November 1, she's done. She's like, "I'm done. I'm not going to be in the stores."
我妹妹就是这样。她11月1号就买完了。她说：“我买完了。我不会出现在商店里了。”
And that actually is a good thing because it will help you save money because if you're an early bird shopper, you probably have a budget, you've planned it out, you've bought your stuff throughout the year.
这实际上是一件好事，因为这可以帮助你省钱，因为如果你已经早早买好了，你可能会有一个预算，你已经计划好了，你已经买了整年的东西。
When you're an early bird shopper, you can cash-flow your spending.
如果你早早买好了东西，你可以把花费现金流化。
So that say, maybe you've got a little bit more money in June. So you do some of your shopping, but then July, things are a little tight and in August it's a little bit better,
也就是说，你在6月份可能会有比较多的钱。你会去购物，不过7月份会有点紧张，而8月份会好一些，
and so you end up not putting things on a credit card because you have watched your income coming in and you know "Okay, this month I have a little bit extra so that I can buy gifts for folks."
你不会用信用卡购物，因为你看着自己的工资打进来，你知道“这个月我有一些额外的收入，这样我就可以给别人买礼物了。”
And what about those buy-now, pay-later opportunities?
那些先买后付的机会怎么样呢?
I see those online ads pop up often if I'm going to buy a shirt.
如果我要买一件衬衫，我经常会看到那些在线广告弹出。
They're like, "Oh, do you just want to pay for this in installments?" Is that a bad idea?
这些广告会说：“哦，你想分期付款吗? ” 这是个馊主意吗?
I think you need to be extremely careful with the, you know, buy-now, pay-later because a lot of those items are things that if you have to take four payments to buy a sweater or even a TV, that says to me that you've got some financial issues going on, and so you need to be really careful.
我认为你需要非常小心先买后付，因为如果你买一件毛衣或一台电视要付四次款，那就说明你有一些财务问题，所以你需要非常小心先买后付。
Now, if you're expecting a bonus check or something like that, and you're like, "You know, it's going to come in," then maybe you're okay.
现在，如果你预计会有奖金支票或类似的收入，你会觉得钱会进账的，那么先买后付没有问题。
But please be very careful about that because, again, if you need to stretch out the payments, that's a sign for you to look at your budget and see if you really can afford to buy whatever for those four or five extra payments.
不过还是要非常小心先买后付，因为，再说一次，如果你需要拖延付款，这是一个信号，让你看看你的预算是否真的能负担得起这四五次额外的付款。
