(单词翻译:单击)
Don’t let these bad financial habits keep you from your long-term spending goals. Identify your weaknesses and start remedying them.
不要让这些坏习惯使你远离你的长期财务目标。认清你的弱点，并开始改正。
1. You move every single year.
According to U.S. Census statistics, approximately 20 million Americans change addresses each year, and since moves are often prompted by a life change, like getting married or having a baby, we often end up spending money on things we don't anticipate. These purchases can run the gamut from a big-ticket item, like a new car, to small electronics, like a navigation system to help you get around your new neighborhood. Of course, many of these expenses will be unavoidable, which nicely brings us to our next point.
1．你每年都搬家
根据美国人口普查统计，大约有2000万美国人每年都改变住址，既然搬家通常是由于生活变动引起的，如结婚或生孩子，我们最终常常把钱花在我们没料到的东西上。这些购买可能涉及一个大件物品，像一辆新车，到小电子产品，像一个导航系统来帮助你融入你的新社区。当然，这些费用许多是不可避免的，它很好地带我们进入了下一阶段。
2. You still don't have a savings account.
In June 2012, Bankrate found that the number of people with zero emergency funds rose to 28 percent from 24 percent in 2011. You probably know by now that you should have six months' net income set aside in case of an emergency, and establishing that savings is easier than you think.
2．你仍然没有储蓄帐户
2012年6月，Bankrate发现应急基金为零的人员数量从2011年的24%上升到了28%。你现在大概都知道在紧急情况下你应该留出六个月的净收入，设立储蓄账号要比你想象的容易。
3. You can't fathom downgrading.
Despite a bad economy, a survey by STORES Magazine found that many of us are unwilling to give up "needs" like satellite TV and a professional haircut for the sake of saving some dough. (We are, however, more inclined to give up such luxuries as designer jeans and dining out.) Still, it's worth downgrading your cable service to see how much you can save. If you truly can't handle it, you can always reinstate your service.
3．你不能领会降级
尽管经济不景气，《Stores》杂志的一项调查发现，我们许多人都不愿意放弃像卫星电视和专业发廊的需求以便节省一些钱。(然而，我们更倾向于放弃像品牌牛仔裤和外出用餐这样的奢侈品)。但是降级有线服务看看能存多少钱是值得的。如果你真的无法掌控，你总是可以恢复你的服务。
4. You spend too much time on your mobile device.
Given how many hours we tend to wile away on our smartphones and tablets, it's not surprising that more than half of us believe our mobile devices spur us to spend more. And, truth be told, many of us do—to the tune of $204 a month on apps and downloads alone, according to a recent poll conducted by the American Institute of CPAs. Sounds like taking the occasional break from technology could benefit your wallet as much as your eyes.
4．你花太多时间在你的移动设备上
鉴于我们倾向于消磨多少小时在我们的智能手机和平板电脑上，超过半数的人相信我们的移动设备刺激我们花费更多，这毫不奇怪。说实话，根据最近的一项由美国注册会计师协会研究所的民意调查，我们中许多人一个月仅在应用和下载上花费共计204美元。听起来像是偶尔脱离科技可能使你的钱包比你的眼睛获益更多。
5. You don't pay attention to your paycheck.
Seven in 10 Americans are adjusting their spending to accommodate recent payroll tax changes, according to the National Retail Foundation. Are you one of them? If not, you should be, since your paycheck could have decreased by at least 2 percent. While that doesn't seem like much, it adds up by the end of the year. And if you don't adjust your spending habits, you're more likely to find yourself at a loss—if not in debt—by year's end.
5．你不注意你的薪水。
10个美国人中有7个正在调整他们的支出来适应最近工资税的变化，根据全国零售基金。你是其中之一吗？如果没有，你应该成为其中一个，因为你的薪水可能减少了至少2%。虽然这看上去不太多，但它在年底就会累积起来。如果你不调整你的消费习惯，你更可能发现自己今年年底如果不是负债那也是亏损的。
6. You don't use cash.
It sounds like advice your father would give you, but it's a fact that's been proven by multiple studies: People who pay in cash spend less. Why? When paying in cash, you have to physically part with the money. Of course, you don't have to use cash all of the time, but giving yourself a budget for cash purchases toward a week's worth of lunches or coffee runs can help you keep better track of your cash flow.
6．你不用现金
这听起来像是你的父亲会给你的建议，但这是由多项研究已经证明了的事实：以现金支付的人花钱更少。为什么？当付现金时，你必须与钱直接接触。你当然不需要总是使用现金，但在现金购买一周的午餐或随走咖啡上给自己留一个预算能帮你更好地跟踪你的现金流。
7. You have too many bank accounts.
At the end of the day, having just one account will keep more pennies in your pocket, researchers found. According to a study in " Organizational Behavior and Human Decision Processes," people who made payments from a single account spent 10 percent less than those who had multiple ones.
7．你有太多的银行账户
研究人员发现：在一天结束时只有一个帐户将使你口袋里留有更多的硬币。在《组织行为和人类决策过程》中的一项研究显示，从单个账户支付的人比那些拥有多个账户的人节省了10%。
