储蓄之后如何再消费

Katharine Hepburn famously said, “Without discipline, there is no life at all.” It’s certainly true with money: when people save, it brings life rewards. But sometimes after being on your best money behavior for a long time, 你想要摆脱束缚,花钱. It can happen whether you’ve been saving to buy a home, rejoined the workforce or survived a global p和emic.

Experts call this desire to make up for lost time “revenge spending.”1 就像其他的报复行为一样, this kind of spending may feel cathartic in the moment, 但它会导致悔恨的宿醉. 而不是, use these simple ideas to spend again on life’s pleasures while staying grounded in your hard-earned discipline.

制定一个计划

Before you begin spending, take honest stock of your finances. 你的资产是什么? 负债? Write down your long-term goals 和 consider what it will take to achieve them. 一旦你这样做了, 你可能会发现基本的保护措施, 比如六个月的应急基金, 一个多样化的投资组合, 和 收入保障,最终占据了优先地位. If you’re not sure how to make a financial plan, consider meeting with a financial professional — they can help you get started.

回顾你的预算

Once your long-term plan is in place, review your current spending habits. 知道你的数字:住房, 照顾孩子, 汽车分期付款, 食品杂货, 服务, subscriptions — everything you spend money on. If these expenses are covered, start thinking about what you want from your spending. 你是否渴望 一场冒险? 是时候换新客厅家具了吗? Do you just want to see friends in person at new restaurants 和 live shows?

包括一个挥霍基金

Budgeting a set amount toward specific spending can help make your “revenge” into a “reward.” You’ll still get the joy of earning a new experience or product, but be less likely to overdo it. Create a “splurge fund” as a gift to yourself for the hard work of saving. Whether it’s $50 or $15,000, just make sure it’s money you can spend without getting into trouble. (试着用这些方法来消费 最大的幸福.)

放慢你的消费速度

还记得 一切向钱看的连接. 几乎每个人都有消费诱因, 和 it’s easy to get carried away after not spending for a while. To short circuit your triggers, build delays into your spending. 例如, if you want to buy something outside of your spending plan, set a rule that you have to wait 48-hours before making the purchase. For mobile 和 online shopping, remove your card from one-click payment features. If you have to physically get up to get your card, you’ll have time to consider your spending priorities.

尊重你新的消费优先事项

When you feel ready to spend again after a long period of discipline, 首先承认你是如何改变的. If your old spending habits were stressful, this can be a new beginning. 例如, maybe after a year of not traveling to weddings, you realize that you don’t want to attend every event. Or perhaps you don’t need to make trips to the hair salon as often as you used to. If the practice of saving money led to new insights about how you want to spend, embrace them.

Now is the time to reset your savings priorities, so you can spend responsibility now 和 build your long-term future.

 

 

Brought to you by The Guardian Network © 2021. The Guardian Life 保险 Company of America®, 纽约,纽约

2021 - 123085年的经验. 6/2023

来源:

1Americans look forward to ‘revenge spending’ after a year inside—here’s how to make the most of it, CNBC, 2021年6月2日

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