为什么这么穷？Youmaynotrealizeit,butsomethingsyoudohabituallycanmakeyoulosemoney.Let’sseewhatthosecostinghabitsareandhowwecanreversethem.也许你都没意识到，一些习惯性的事情也会不知不觉浪费钱呢。我们来看看一些浪费钱的小习惯，学习如何去改正吧。1.Youareachroniccomplainer你是个负能量的抱怨者Ifyoualwaysseethebadside,thenyoumightnotseetheopportunitiesaroundyou.Whenyoumissopportunities,youinevitablylosemoney.如果总是看到坏的那一面，那么就会失去很多机会，一旦机会都失去了，钱肯定就赚不到啦。Forexample,ifyouaretoobusycomplainingtoyourselfabouthowyourco-workersucks,youmightnotthinkthatyouwouldbeagreatfitforthatnewprojectthatjustcameout.Yes,theonethatwouldboostyourresumeandpossiblyleadtoapromotion.Opportunitylost.比如你一直都抱怨同事们多么的没用，也许就想不到其实自己非常适合新项目。对，就是那个能展现你实力带来升职机会的新项目。可惜没咯。2.Youthinkyouwouldneverspendthismuchmoney,andthenspendit你觉得自己绝不会花那么多钱，然后花了。MyfriendandNYTbest-sellingauthorRamitSethilikesmakingfunofpeoplewhothinktheywillneverspend,e.g.$30,000onawedding.Butwhentimecomes,andit’stheirturntogetmarried,theyspendit.我朋友和《纽约时报》畅销作家RamitSethi喜欢取笑那些总觉得自己不会花那么多钱的人，比如花3万美元筹办婚礼。但轮到他们结婚的时候，似乎花的也不少哦。I’mnotcriticizingspendingmoneyonyourweddinghere.I’mjustsayingthathadyouaccountedforthe“havingabigwedding”scenario,youmighthavesavedmoreinthepast,andhencenotneedtogetintocreditcarddebt.我不是说不该在婚礼上花钱。我只是说如果你已经考虑了一幅“有个盛大婚礼”的场景，你就应该开始节约用钱，这样以后才不至于成卡奴。3.Youdon’tnegotiate你不还价Fromnegotiatingthepriceofyourcar,tonegotiatingyoursalary,youhavealotofpotentialtosavethousandsofdollars.Yetbeware,negotiatingisnotsomethingmostpeopleareskilledat.Irecommendbuyingbooksandthenspending1000xmoretimeactuallypracticingthebooks’teachingswithafriend.无论是买车还是谈论薪资，你都有可能去省一大笔钱。要记住，讨价还价并不是大部分人都擅长的事情。我建议买本类似的书，然后和自己的朋友把书里的技巧默默练习几千次吧。That’showyou’llwalkintoanegotiationwithconfidenceandreadytotackleanythingthatcomesyourway.这样你就能自信的开始讨价还价，让一切都尽在你的掌控。4.Youthinkshort-termvs.long-term短期/长期计划Weoftendon’treallytakeintoaccounttheeffectofouractionsinthelongrun.Forexample,younotnegotiatinga$5kincreaseinsalarydoesnotjustcostyou$5kthisyear,butmaybenextyearaswell.我们往往不会考虑自己的行为在长远时期的影响。比如，你不会要求涨五千美元的薪水，也没有意识到今年不要求，明年也会没有。Inyournextjobinterview,theemployerwilltrytopayyouaccordingtoyourpastsalary.Yournegotiatingpositionwillstartfrom$5klessthanwhatitcouldhave.你的下一个面试，老板也会试着按照旧工资来付薪水。你至少可以要求涨薪五千美金，这样才不会比本可拿到手的低。5.Youthink"Ican’tdoit"insteadof"HowcanIdoit?"你总觉得“我做不到”而非“我如何去做”？Youcanmakemoremoneyatyourcurrentjob.Youcannegotiatemore,orimproveyourskillsandthenaskforaraise.Or,youcouldmakemoremoneyontheside.Or,youcanstartyourownbusiness.你可以在现有的工作上赚取更多的钱。你可以沟通协商更多，提高你的技能然后要求涨薪。或者是可以干点副业，再或者自主创业吧。Theoptionsareinfinite.Themoreyou’restuckon"can’t",themoreyou’llbelosingmoneythatyoucouldhaveearnedhadyounothadthisbad"can’t"habit.选择是不定的。你被“不能”捆绑得越多，养成了“不能”的习惯，那么就会失去越多本可赚到的金钱。6.Youavoidsaying"no"...
