Everyone has a bad financial habit. We live in a country that spends billions on advertising to make us want to make purchases; However, if you are looking to make change and break your bad financial habits use these tips. Remember: even though the habits are hard to break and require conscientious effort, there is payoff.
每個人都會有些不良的理財習慣。我們的國家在廣告上花費數十億，引誘我們花錢購物。然而，如果你想改掉自己糟糕的理財習慣，那麼可以採納以下建議。記住：即使壞習慣很難改正，需要持之以恒，但只要努力，總會有回報。
1. Pay bills when you receive them. Think of all the stress and anxiety that you experience when you put off paying your bills. When you receive the email notification or open the bill in the mail, take care of it. It will only take five minutes, and you won't be swamped with bills at the last minute.
1. 到手的帳單及時支付。當你拖著帳單不付的時候，想想堆起來的這些帳單以後會帶給你的壓力和焦慮。留心電郵的通知和郵箱的帳單。查看帳單只需5分鐘，卻可以免除你在最後一分鐘被未付款帳單淹沒的窘境。
2. Use cash and not your card. You must have had a hard time controlling the amount of swipe purchases you are making. Minimize this urge by using your ATM card once a week to withdraw the amount of money you have allotted yourself for the week. Keep your cards at home, and even stow your credit cards in a hard to reach place in your closet to keep you from using them.
2.用現金代替銀行卡。你肯定碰到過刷卡購物時難以控制金額的這種情況。要減小花錢的刺激，方法是每週僅使用一次提款卡，這僅有一次是提出你下周要用的錢。平時不要把卡帶出門，為了避免使用信用卡，甚至可以把他們藏在壁櫥裏難以觸及的位置。
3. Buy only what you really need. Most of us take impulsive shopping trips to buy items we really don't really need. Some claim shopping eases their tension, gets their mind off of other things, or gives them a boost of happiness. Take the time to figure out what spurs you to buy unnecessary items. Try to replace shopping with some hobbies like riding your bike or taking a walk with friends.
3. 購買真正需要的物品。大多數人都會衝動購物，買一些並不真正缺少的商品。有些人說，購物可以緩解壓力，把注意力從其他事情上移開，或者提升幸福感。你應該去弄清楚是什麼刺激你購買那些無用的商品，還應該其他愛好替代購物，比如騎車或者和朋友散步。
4. Track your expenses. Sometimes restaurants and businesses will charge you the wrong amount, but you won't have the receipt to back up your claim. Other times, you might have insufficient funds for the check you just wrote. Keep your receipts, and spend a few minutes every night to double check your charges, and know the current balance of your bank account. It beats getting overcharged or having to pay an overdraft fee.
4. 核對費用清單。有時候，飯店和商戶會多收費，你卻沒有收據為自己討說法。或者，你可能開了支票，賬戶裏卻餘額不足。你應該把收據保存起來，每天晚上花上幾分鐘核對兩遍費用支出，清楚自己眼下的賬戶餘額。這樣做可以避免消費超額和透支。
5. Check your credit score annually. Get in the habit of checking your credit score to make sure there are no errors or inaccuracies. If you do notice something wrong, you can send in correction letters, so your applications for credit cards, car loans, or a mortgage are approved.
5. 每年查看信用評分。養成查看信用評分的習慣，確認沒什麼差錯。如果真的發現數據有誤，可以發送修正信件到銀行，這樣他們就可以對你的信用卡、汽車貸款和房屋貸款的申請進行審核了。