一圖告訴你 錢都花哪兒啦
According to a new survey, a lot of Americans are blowing their budgets by eating out too often. Surveying 2000 US residents and using data from the USDA’s Cost of Food at Home reports, Hloom—a company that makes templates for resumes, invoices, and the like—dug into what people feel they’re wasting their money on.
最新調查顯示，許多美國人過於頻繁地將金錢“揮霍”在外出就餐上。一家制作簡歷、發票等模板的公司Hloom調查了2000位美國居民並使用了美國農業部《家庭食品開支報告》的數據，探究人們認爲自己把錢都浪費到哪兒去了。
While the answers varied based on age and gender, across the board, people listed eating out as their top money-waster (of the expenditures they'd be willing to cut back on). Almost 69 percent of all respondents said they spent too much money on restaurants.
儘管不同年齡和性別的人羣回答有所不同，總體看來，人們把外出就餐列爲自己最願意削減的第一大浪費性支出。約有69%的調查對象表示他們在餐館花了太多錢。
A quarter of respondents admitted to wasting their cash on alcohol, and almost a fifth admitted to throwing money away on credit card interest. More than 30 percent said they wasted money by letting food expire or otherwise go uneaten, though few were willing to try to change that.
四分之一的受訪者承認把錢浪費在飲酒上，約五分之一承認花費在信用卡利息上。超過30%的人稱自己將食品放到過期或是剩下不吃而浪費了錢，儘管幾乎沒有人願意試着改變。
However, more than 17 percent of respondents said they weren’t wasteful with their money, to which we say, who are you, and do you know about online shopping?
然而，有超過17%的受訪者說他們並沒有浪費錢。對此我們表示：你是誰啊，你知道網購不？
More women admitted to wasting money than men: Almost 20 percent of men consider themselves nonwasteful, the study found, compared to 14 percent of women. But that may have a lot more to do with societal pressures to spend money on beauty and personal care (one study found women who wore makeup to work got paid more) and the higher prices women face for purchases like hair cuts and dry cleaning—not to mention cultural stereotypes that women are bad with money and love to shop til they drop—than the reality of people's budgets.
比起男性，有更多女性承認自己浪費金錢：研究發現，近20%的男性認爲自己並不浪費，而持此觀點的女性只有14%。但這很可能與社會壓力迫使女性在美容和個人護理上花費更多有關（一項研究顯示化妝的職場女性薪水更高）。並且較之實際預算，女性在理髮和衣物乾洗等項目上要承受更高的價格，更不必說“女性總管不好錢，熱愛‘買買買’”的文化成見了。
What you think of as a waste of money also varies by generation. Most Millennials aren't worried about wasting money on cable bills, but do say they're spending too much on streaming services.
不同年代出生的人對“浪費錢”的理解也不相同。千禧一代中的大多數不擔心有線電視費錢，卻表示自己在流媒體服務上花了太多。
It’s important to note that this is a self-reported survey, meaning that it’s not about what people are actually wasting their money on, but rather what they perceive as a waste of money. One person may think $500 a month spent on restaurants and bars is a huge waste of money, while another may consider it a normal part of life. Just because Millennials don't list cigarettes as one of their money-wasters doesn't mean they're not smoking, necessarily—just that they don't think it's a waste of their cash.
需要注意的是，此研究是一項自陳報告，這意味着結果顯示的不是實際花費情況，而是人們自己認爲的浪費。有人可能覺得每月在餐館酒吧花上500美元非常浪費，而另一個人或許將其看作是正常生活的一部分。千禧一代沒把香菸列爲浪費金錢的項目並不見得他們不抽菸，他們只是覺得買菸算不得浪費罷了。
Let’s not forget, though, that forgoing your daily latte will never make you rich. As financial experts and sociologists have pointed out, most people in America aren’t bankrupting themselves buying luxuries like fancy coffee or meals out. Over the past few decades, while the prices of education, housing, healthcare, and gas have risen significantly, salaries have gone down. So yes, paying your credit card bill off in full every month should be a big priority, but living like a hermit and never buying a meal out is a poor substitute for meaningful public policy that makes necessary purchases like health care and rent affordable.
儘管如此，別忘了，放棄每日的拿鐵咖啡永遠不會使你富有。金融專家和社會學家已經指出，美國的大多數人並不會因爲買些昂貴的咖啡和外出吃飯而破產。在過去幾十年，教育、住房、醫療保健和汽油的價格顯著提高，薪水卻降低了。所以是的，每月全額付清你的信用卡賬單應當是頭等大事，但也不要像隱士一樣生活，從不在外吃飯。有效的公共政策應能確保人們能夠支付醫療保健和租房等必需開支。
