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如何让守财奴学会多花一点钱
添加时间:2015-01-30 18:53:53 浏览次数: 作者:未知
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  • 写这个专栏给我带来了一种让我不安的影响:我没那么节俭了。

    Writing this column has had a disturbing effect on me: I'm getting less cheap.

    是不是已经变得大手大脚?很难这么说。接下来的几个月,我会歌颂从进便宜理发店到进普通餐馆的各种好处。但我也注意到自己的花钱习惯出现了一些细微但看得见的变化。

    Have I become a free spender? Hardly. In the coming months, I will be singing the virtues1 of everything from cheap haircuts to greasy-spoon restaurants. Still, I've noticed some small but noticeable changes in my spending habits.

    最大的变化是付小费。曾经在餐厅收过盘子的我从来没有不给服务员小费,但我曾经以为,如果服务不是格外出色的话,给15%的小费足够了。当我在写一篇有关小费的专栏时了解到,20%已经很快地成了付小费的标准比例,所以我现在很多时候都是按照这个比例来付。

    The biggest is tipping. As a former busboy, I never stiffed waiters. But I used to think a 15% tip was just fine unless the service was outstanding. I learned through writing a column on the subject that 20% is rapidly becoming the standard tip. So that's pretty much what I give now.

    当然,如果我觉得20%很多,我才不去管别人付多少。但当餐馆服务员是一件苦差事,工资也很低,所以我觉得,多付5%对服务员来说意义很大,我自己损失的相比之下不算什么。(毕竟20美元的一顿饭只多付1美元而已。)

    Of course, if I thought 20% was outrageous2, I wouldn't care what other people tip. But waiting tables is a tough, underpaid job, and I decided3 tipping an extra 5% made more difference to the waiter than it did to me. (It amounts to only an extra dollar on a $20 meal.)

    更细微的变化发生在家里。当我妻子克拉丽莎和孩子们把钱花在我觉得不值的东西上时,我一般不会像以前那么动肝火了。但变化程度小到克拉丽莎说,她基本没有注意到我花钱习惯的改变。她是这么说的:仅仅是“一点点”,用厨师的话来说就是“少许”。

    The more subtle change has been around the house. I'm generally getting less bent4 out of shape when my wife, Clarissa, and the kids spend money on things I consider a waste. The shift has been subtle enough that Clarissa says she's barely noticed. 'Just a smidgen,' she told me. 'Or as we say in cooking, 'A dash.''

    但对我自己来说,似乎不只是一点点。我以后会再做解释。

    Well, it has seemed like more than a smidgen to me. But I'll come back to that.

    更急迫的问题是,为什么写 “锱铢必较”专栏的人,反倒变得不那么节俭了呢?岂非适得其反?

    The more pressing question: Why would writing a column on being cheap make a person less so? Wouldn't it have the opposite effect?

    我跟一些研究过吝啬鬼的学者谈了这个问题,他们并不感到意外。守财奴对花钱有一种情绪上的排斥──花钱的时候他们觉得很痛苦,而这种痛苦可能跟花的那点钱不成比例。

    I talked to some academics who have researched tightwads, and they weren't surprised. Cheapskates have an emotional aversion to spending -- they can actually experience pain when they spend. The pain can be out of proportion to the amount spent.

    所以如果你要让一个人别那么节俭,就必须让其性格中的理性成分战胜感性成分。一个办法是让这个人写出来自己节俭的原因。

    So if you want to make a person less cheap, the cognitive5 side of his personality has to override6 the emotional. One way to do this is to make that person explain in writing why he's being cheap.

    其目的是鼓励这个人“加深考虑”。密歇根大学市场学助理教授里克说,这样做往往会清除情绪的影响。

    The goal is to encourage 'heightened deliberations,' says Scott Rick, an assistant professor of marketing7 at the University of Michigan. 'That will tend to extinguish the influence of emotion.'

    因为在《华尔街日报》写专栏的缘故,我针对过节俭日子的问题做了一个大型书面实验,过去18个月里,就这个主题洋洋洒洒写了很多。

    Thanks to The Wall Street Journal, I've conducted a giant writing experiment on being cheap, penning thousands of words on the subject over the past 18 months.

    在做这个实验的过程中,我并不喜欢在我自己身上的所有发现。有时候,自己的锱铢必较让家人生气;有时候,因为想买的东西不是最便宜的,我不得不忍痛放弃。为了撰写专栏,这些情景我都得一样一样地回味。

    And I haven't liked everything I've learned about myself. I've had to ponder the times when my penny-pinching irritated my family or when I denied myself some small pleasure because it wasn't the cheapest choice.

    其实我这是在努力改掉不假思索反对每一笔支出的习惯。我努力让自己记住,拖累家庭财务的,不是那些零碎的花费,比这些花费更为重要的是你买多大的房子,开多贵的车,还有把孩子送到哪间学校上学。

    The result: I'm making an effort to not be automatically against every expenditure9. I try to bear in mind that it isn't usually the little purchases that drag down a household budget. Far more important is how big a house you buy, how expensive a car you drive, where you send your kids to school.

    这种转变不是轻易就能实现的。把钱浪费在小东西上,还是让我颇感烦恼。我来举个例子吧。几个月前,我们请了几位朋友来家吃晚餐。于是在吃饭之前,克拉丽莎跑出去买了一台大大的电子咖啡壶,花了40美元。

    It's not an easy transformation10 for me. Wasting money on little things still bothers me quite a bit. Let me give you an example. We had some friends over for dinner a couple of months ago. So Clarissa ran out and bought a large electric coffee maker11 for $40 before the dinner.

    我觉得花得不值。我不喝咖啡,现在已经长大成人的孩子们也不喝,克拉丽莎每天只喝一杯,所以如果家里没有客人,我们从来不会用到咖啡壶。

    I thought it wasteful12. I don't drink coffee, and our children, all now adults, don't either. Clarissa drinks just one cup a day. So we're never going to use this coffee maker unless we have company over.

    晚饭过后,克拉丽莎问谁要咖啡,没人回答。所以咖啡壶就没有开箱,搁在了那里。有一次我跟克拉丽莎提起,她说她打算把它退给店里。但她没有退,任其一直趴在我们家里,因为她说,某一天可能还会用到它。

    After that dinner, Clarissa asked who wanted coffee, and nobody did. So the coffee maker went unopened. It sat there. I asked Clarissa about it once, and she said she planned to return it to the store. She didn't. It's still sitting in our den8 because Clarissa says she might need it some day.

    换了以前,我早就数落她好几回了。一想到我们又添了一件多余的电器,我会如芒在背,不只是那40块钱的问题。

    Before, I would have nagged13 her several times about the pot. The thought of us owning another appliance we didn't need would have bugged14 me. More so than the $40.

    这一次我基本上是缄默不语。对我自己来说,这是个变化。但对克拉丽莎来说,我毕竟还是提到过咖啡壶,说明我并没有真正改变。不管怎么样,克拉丽莎都觉得,我说自己不如从前节俭的话都是没道理的。

    This time I bit my tongue, mainly. To me, that's a change. To Clarissa, the fact I mentioned the coffee pot at all shows I haven't really changed. In any event, Clarissa thinks any talk from me about not being as cheap as before is beside the point.

    她提醒我说,你从来都不像你想象的那样节俭,因为反正花钱的人都是我。

    'You were never as cheap as you thought,' she informed me. 'Because I was spending the money anyway.'

     9级    双语 


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    1 virtues ['vɜ:tʃu:z] cd5228c842b227ac02d36dd986c5cd53   第7级
    美德( virtue的名词复数 ); 德行; 优点; 长处
    参考例句:
    • Doctors often extol the virtues of eating less fat. 医生常常宣扬少吃脂肪的好处。
    • She delivered a homily on the virtues of family life. 她进行了一场家庭生活美德方面的说教。
    2 outrageous [aʊtˈreɪdʒəs] MvFyH   第8级
    adj.无理的,令人不能容忍的
    参考例句:
    • Her outrageous behaviour at the party offended everyone. 她在聚会上的无礼行为触怒了每一个人。
    • Charges for local telephone calls are particularly outrageous. 本地电话资费贵得出奇。
    3 decided [dɪˈsaɪdɪd] lvqzZd   第7级
    adj.决定了的,坚决的;明显的,明确的
    参考例句:
    • This gave them a decided advantage over their opponents. 这使他们比对手具有明显的优势。
    • There is a decided difference between British and Chinese way of greeting. 英国人和中国人打招呼的方式有很明显的区别。
    4 bent [bent] QQ8yD   第7级
    n.爱好,癖好;adj.弯的;决心的,一心的;v.(使)弯曲,屈身(bend的过去式和过去分词)
    参考例句:
    • He was fully bent upon the project. 他一心扑在这项计划上。
    • We bent over backward to help them. 我们尽了最大努力帮助他们。
    5 cognitive [ˈkɒgnətɪv] Uqwz0   第7级
    adj.认知的,认识的,有感知的
    参考例句:
    • As children grow older, their cognitive processes become sharper. 孩子们越长越大,他们的认知过程变得更为敏锐。
    • The cognitive psychologist is like the tinker who wants to know how a clock works. 认知心理学者倒很像一个需要通晓钟表如何运转的钟表修理匠。
    6 override [ˌəʊvəˈraɪd] sK4xu   第9级
    vt.不顾,不理睬,否决;压倒,优先于
    参考例句:
    • The welfare of a child should always override the wishes of its parents. 孩子的幸福安康应该永远比父母的愿望来得更重要。
    • I'm applying in advance for the authority to override him. 我提前申请当局对他进行否决。
    7 marketing [ˈmɑ:kɪtɪŋ] Boez7e   第8级
    n.行销,在市场的买卖,买东西
    参考例句:
    • They are developing marketing network. 他们正在发展销售网络。
    • He often goes marketing. 他经常去市场做生意。
    8 den [den] 5w9xk   第9级
    n.兽穴;秘密地方;安静的小房间,私室
    参考例句:
    • There is a big fox den on the back hill. 后山有一个很大的狐狸窝。
    • The only way to catch tiger cubs is to go into tiger's den. 不入虎穴焉得虎子。
    9 expenditure [ɪkˈspendɪtʃə(r)] XPbzM   第7级
    n.(时间、劳力、金钱等)支出;使用,消耗
    参考例句:
    • The entry of all expenditure is necessary. 有必要把一切开支入账。
    • The monthly expenditure of our family is four hundred dollars altogether. 我们一家的开销每月共计四百元。
    10 transformation [ˌtrænsfəˈmeɪʃn] SnFwO   第7级
    n.变化;改造;转变
    参考例句:
    • Going to college brought about a dramatic transformation in her outlook. 上大学使她的观念发生了巨大的变化。
    • He was struggling to make the transformation from single man to responsible husband. 他正在努力使自己由单身汉变为可靠的丈夫。
    11 maker [ˈmeɪkə(r)] DALxN   第8级
    n.制造者,制造商
    参考例句:
    • He is a trouble maker. You must be distant with him. 他是个捣蛋鬼,你不要跟他在一起。
    • A cabinet maker must be a master craftsman. 家具木工必须是技艺高超的手艺人。
    12 wasteful [ˈweɪstfl] ogdwu   第8级
    adj.(造成)浪费的,挥霍的
    参考例句:
    • It is a shame to be so wasteful. 这样浪费太可惜了。
    • Duties have been reassigned to avoid wasteful duplication of work. 为避免重复劳动浪费资源,任务已经重新分派。
    13 nagged [nægd] 0e6a01a7871f01856581b3cc2cd38ef5   第9级
    adj.经常遭责怪的;被压制的;感到厌烦的;被激怒的v.不断地挑剔或批评(某人)( nag的过去式和过去分词 );不断地烦扰或伤害(某人);无休止地抱怨;不断指责
    参考例句:
    • The old woman nagged (at) her daughter-in-law all day long. 那老太婆一天到晚地挑剔儿媳妇的不是。 来自《简明英汉词典》
    • She nagged him all day long. 她一天到晚地说他。 来自《简明英汉词典》
    14 bugged [] 095d0607cfa5a1564b7697311dda3c5c   第7级
    vt.在…装窃听器(bug的过去式与过去分词形式)
    参考例句:
    • The police have bugged his office. 警察在他的办公室装了窃听器。 来自《简明英汉词典》
    • He had bugged off before I had a chance to get a word in. 我还没来得及讲话,他已经走了。 来自《简明英汉词典》

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