闲聊箱 #346 – 消费的心理学

欢迎来到Chatterbox，这是为中高级英语学习者打造的Culips系列节目。我们会聊各种特别有趣的话题，比如文化潮流、重大新闻、热门争论，还有网上那些刷屏的瞬间，以及日常生活中我们常常忽略的小事。

Welcome to Chatterbox, the Culips series for intermediate to advanced English learners, where we have natural conversations about all kinds of super fascinating topics, from cultural trends and big news stories to debates, maybe viral moments that we see online, and just everyday things that we don't always stop to think about.

我是安德鲁。

I'm Andrew.

今天稍后，我的搭档安娜就会加入我们。

And today, in just a moment, I'll be joined by my cohost, Anna.

我有个问题想问问你。

I've got a question for you.

不管价格多高，你总是愿意花钱买的东西是什么？

What's something you're always happy to spend money on no matter what it costs?

反过来，哪怕再便宜，你也不愿意掏钱买的东西又是什么？

And on the flip side, what's something you absolutely refuse to pay for even when it's cheap?

如果你真仔细想想，我们的消费习惯其实挺奇怪的。

If you really start thinking about it, our spending habits are kind of strange.

有时候，我们会毫不犹豫地花大价钱买咖啡或者电影票。

Sometimes we'll happily drop money on things like coffee or movie tickets without thinking twice.

但有时候，我们宁愿花一个小时坐地铁去实体店，就为了亲手买件东西，也不愿为网购的运费掏钱。

And then other times, we'll spend an hour on a subway to go to a physical store so that we can buy something in real life instead of having to pay for a shipping fee for online shopping.

今天，我和安娜就要好好聊聊这些事，谈谈花钱背后的心理。

Well, today, Anna and I, we're gonna get into all of this, and we're gonna talk about the psychology of spending money.

我们会说说哪些东西我们乐意大手笔花钱，哪些东西再便宜也不愿买，还会聊聊商家那些让人不知不觉多花钱的套路。

We'll chat about the things that we're happy to splurge on and the things that we won't pay for no matter what, and also some of the interesting tricks that companies use to get us to spend more money.

我们马上就开始。

We'll get started in just a moment.

不过在那之前，如果你真想提升英语水平，成为Culips会员是个绝佳的选择。

But before we do, if you're serious about improving your English, then becoming a Culips member is a fantastic way to do it.

作为会员，你能获得本课的学习资料和互动式文本。

As a member, you will get a study guide and an interactive transcript for this lesson.

资料里有详细词汇解析，还有我跟安娜在对话中用到的那些实用词汇的真实用例。

Inside the guide, you'll find detailed vocabulary explanations and real world examples of the interesting and useful vocabulary that you'll hear me and Anna use in our conversation.

此外，还有理解测验，以及口语和写作练习。

There's also a comprehension quiz and speaking and writing practice as well.

作为会员，你不仅能获得这一集的学习资料，还能获得我们整个库中所有节目的学习材料。

Now, as a member, you'll get that for this episode, but also for all of the episodes in our entire library.

而且不仅如此，更好的是，你还能参加我们每周的口语课，和老师以及其他像你一样积极上进的英语学习者一起练习口语，他们也是我们优秀的Culips会员。

But on top of that, even better, you get access to our weekly speaking classes where you can practice your English speaking with our teachers and with other awesome highly motivated English learners just like yourself, our other fantastic Culips members.

想了解详细信息、报名成为会员吗？现在就上我们的网站 culips.com，以实惠的价格加入吧。

Learn all the details and sign up and become a member today for an affordable price on our website, which is culips.com.

听完我和安娜的对话后，欢迎来我们的Discord服务器加入我们。

And after you listen to my conversation with Anna, then come join us on our Discord server.

我们会在那里继续聊下去。

We're gonna be continuing the conversation over there.

告诉我们，有哪些东西是你无论如何都会花钱买的，又有哪些东西是你打死都不会花钱的？

Let us know what's something you'll always spend money on and what's something that you absolutely will never spend money on.

加入Discord的链接就在本集的简介里。

The link to join the Discord is in the description for this episode.

当然，加入是完全免费的。

And, of course, joining is free.

这是用英语保持活跃的好方法。

It's a great way to be active with your English.

那我们就在那儿见。

So we'll see you over there.

现在，我们正式开始。

And now it's time to get started.

接下来是我的对话，和安娜一起。

So here's my conversation with Anna.

请慢慢听。

Please enjoy.

希望你能学到很多。

I hope you learn a lot.

我们开始了。

Here we go.

现在请来和我一起聊聊购物、花钱、消费习惯，以及我们愿意为哪些东西买单、为什么——我的搭档安娜。

And joining me now to talk all about shopping and spending money and our spending habits and what we're willing to pay for and why is my cohost, Anna.

你好，安娜。

Hello, Anna.

你今天怎么样？

How are you today?

你好，安德鲁。

Hello, Andrew.

我状态很好。

I'm doing very well.

你呢？

What about yourself?

我也不错。

I'm doing great.

这儿已经是周五晚上了。

It is Friday evening here.

我要开始过周末了。

I'm heading into the weekend.

其实，做完这件事我就正式进入周末了，所以我现在心情特别好。

In fact, this is the last thing I have to do before my weekend begins, so I'm in a very good mood.

别担心，各位。

And don't worry, guys.

我不会赶着把这期做完的。

I won't rush the episode.

我一向很期待我们的聊天环节。

I always look forward to our Chatterbox episode.

所以我们不着急，没错，周末就要来了。

So, yeah, we'll take our time, but, yeah, we're heading into the weekend.

一切都挺顺利的。

Things are looking good.

安娜，今天我们要聊一个特别有意思的话题。

And Anna, we're going to talk about a very interesting topic today.

就是关于花钱的心理学。

It's like the psychology of spending money.

我觉得特别有意思的是，我们为什么和怎样决定花钱，有时候我们对钱真的毫不在意，容易冲动买一些根本没用的东西，偶尔浪费点钱在所难免。

And I think it's really fascinating why and how we choose to spend our money, and sometimes we are just so careless with money, and we can be very impulsive and buy really stupid things and kind of waste our money, at least from time to time.

希望我们都不是经常这样，但确实时不时就会发生。

Hopefully, we all don't do that too much, but it does happen from time to time.

对吧？

Right?

但也有时候，我们又特别抠门，明明有些服务或东西价格不高，还能给生活带来很大价值，却偏偏舍不得花。

And then other times, we can be very stingy, and we feel like we don't want to pay for a service, we don't want to buy something when in fact, maybe it's not that expensive and could add a lot of value to our lives.

所以，真正有趣的是，我们心理上到底发生了什么，才让我们有时大手大脚，有时又紧巴巴的。

So it is really interesting what's going on psychologically in our minds that allows us to spend money or to save our money.

今天我们就来聊聊这个，尤其会聚焦在我们个人的消费习惯上。

And so that's what we're going to get into today, and we're especially gonna focus on our personal spending habits.

所以，Anna，我先问你个问题吧。

So, Anna, yeah, maybe maybe I'll ask you just as an opening question.

你有没有觉得，生活中有什么东西，你花起来根本不在乎？

Is there something maybe you you feel like there's something in your life where where you just spend it doesn't really matter.

你总是乐意买它，或者至少不觉得花这钱有什么大不了的，反正就那样吧。

You're just always happy to buy it or always maybe not happy to spend money on it, but you're like, it's okay.

我根本不去管它花了多少。

I I I just don't check it.

比如你有个喜欢去的咖啡馆，那里的拿铁比在家自己煮贵多了，但你就是享受那个氛围，所以根本不介意。

Like, maybe you have a cafe that you like to go to, and maybe the latte is more expensive than it would be to make it at home, but you just enjoy the experience, so you don't care.

你就直接去咖啡馆了。

You just go to the cafe.

你有没有类似的情况？

Anything like that?

我倒是有几个例子。

I've got a couple of things.

就像你刚才说的咖啡，我完全同意。

So absolutely with coffee, as you mentioned there.

我的原则是：人生苦短，别喝差咖啡。

So my motto with that is life is too short for bad coffee.

我真的很愿意为一杯好咖啡投资，让一天有个好开始。

So I absolutely will invest in a nice cup of coffee to get the day going.

我会在咖啡上花钱，而别人可能觉得，算了，在家自己煮也一样。

So I would spend on that where other people might think, nah, I'll just I'll just make it at home and that's fine.

我觉得另一个例子是去电影院。

I think another example I have is the cinema.

明白了。

Okay.

我想去看电影的话，在我住的马德里有好几个选择，都是普通的影院。

So if I want to go to the cinema, there's a couple of options in in Madrid where I'm based and there are just your standard cinemas.

但市中心有一家特别棒的影院，简直像豪华影院。

But there's this one really nice cinema in the center of the city, and it it it's like a luxury cinema.

你可以去那里。

And you can go there.

座位是可躺式的。

It's a reclining seat.

他们会直接到你座位上来服务。

They come to your seat.

你可以点爆米花。

You can order the popcorn.

这整个体验高级多了，即使价格可能是普通影院的两倍，但实际看的电影也没差多少，我还是愿意花这个钱。

It's just a more elevated experience and I will pay for that even though sometimes it could be double the price of going to a normal cinema, which the experience wouldn't be that different.

但我平时不常去影院，所以愿意多花点钱，只为享受这种体验，我真的特别喜欢，觉得值。

But for me, because I don't go to the cinema that much, I'm willing to pay that because I want that experience and I really, really enjoy it and it's worth it to me.

可别人会觉得，干嘛多花一倍的钱，就为了看同一部电影？

Whereas other people would be like, why would you pay double to just go and watch the same movie?

对别人来说，这确实不太合理。

Like, it doesn't really make sense for other people.

但我就是愿意这么做。

But for me, I'm willing to do that.

你呢，安德鲁？

What about you, Andrew?

你也有类似的情况吗？

Do you have something like that?

我觉得咖啡这方面，我特别喜欢你刚才说的那句话。

I think for coffee, I love that phrase that you said.

那句话怎么说来着？

What was it?

人生苦短，别将就劣质咖啡。

Life is too short for bad coffee.

没错。

Absolutely.

完全同意。

Absolutely.

是的。

Yeah.

我赞成。

I agree.

我有时候看到我妻子管家里的财务，心里会有点发怵。

I sometimes recoil when my my wife does the finances in my home.

我真的很幸运。

I I'm I'm very lucky.

她特别有条理，负责做预算，还弄了个特别棒的表格。

She's very organized, and she does the budgeting, and she has this great spreadsheet.

每个月末，她都会叫我过去，给我看这张表，一项一项地解释我们花了哪些钱。

And at the end of each month, she'll call me over and show me the spreadsheet, and she breaks down all of our expenses and what we paid for and this and that.

她太棒了。

She's amazing.

我娶了个做事有条理、又懂理财的妻子，真是福气。

I I got very blessed with an organized and financially intelligent wife, so I'm very lucky.

不过，每当我看到我们一个月在咖啡上花了多少钱，还是会吓一跳。

However, sometimes I recoil in shock when I look at how much we spent on coffee for the month.

我心想：天啊，真的有这么多？

I'm like, oh my god, really?

或者面包。

Or bread.

是的。

Yeah.

对。

Yeah.

因为我们经常去咖啡馆。

Because often we'll go to a cafe.

我的意思是，也不是每天去。

We I mean, we're not going every day.

这不是每天的习惯，但通常我们每周会去一两次咖啡馆，点杯好咖啡，再配个甜点什么的。

It's not like this everyday habit, But, usually, we will go maybe once or twice a week to a cafe, and then, you know, we get a nice coffee, and you get a nice pastry or something.

我们俩分着吃。

We'll split it.

当时觉得也没多少钱。

And, yeah, it it doesn't seem like it's too expensive in the moment.

事实上，我觉得这也没贵到离谱。

And in fact, I would say it's not crazy expensive.

我们可不是为了这个搞得负债累累什么的。

Like, it's not like we're, you know, going into debt over this or anything like that.

但等到月底一看总账，你就会觉得，唉，也许该在这上面省点。

However, when you see it all compiled and added up at the end of the month, you're like, maybe we could cut back a little bit on that.

说不定真有点花得多了。

Like, maybe it's too expensive.

去咖啡馆、买面包，这大概就是我们的小奢侈吧。

So definitely going to cafes and going to the bakery, that is our guilty pleasure, I think.

一般来说，下馆子也算在内。

In general, maybe going to restaurants as well.

在韩国的时候，出去吃饭便宜得很。

You know, in Korea, originally, it was very, very affordable to eat out.

我刚来这个国家的时候，觉得下馆子比在家做饭还划算。

And I would say that when I first came to this country, it was almost cheaper to go to a restaurant than it would have been to eat at home.

那时候是我一个人做饭，买所有食材，还得花时间准备，算下来还不如出去吃来得划算。

And that was just me as a single person cooking, and, yeah, just buying all of the ingredients, the time that you had to invest into cooking, all of these things, it made it so that it was like almost cheaper just to go out and eat.

我和我妻子渐渐习惯了这种生活方式——随便去家餐厅，五六美元就能吃上一顿不错的饭。

And I think my wife and I, like, sort of got used to that lifestyle where it's like, you can just go to the restaurant, and for like 5 or $6, you can get a good meal.

不过现在物价涨得厉害。

However, prices have gone up a lot.

通货膨胀太严重了。

There's a lot of inflation.

情况早就不是以前那样了。

That's not necessarily the case anymore.

当然，出去吃还是方便多了，但每当我看看月度开支，发现我们在餐厅花的钱这么多，确实得稍微注意点了。

Of course, it's still much more convenient, but, yeah, sometimes when I look at our budget and how much we spent in a month for going to a restaurant, yeah, maybe we have to be a little bit more careful about that.

但确实很方便。

But it is super convenient.

我觉得最大的优势就是省时间。

The time factor is the biggest benefit, I think.

你付的钱就是为这个买的。

That's what you're that's what you're paying for.

对吧？

Right?

你付的是便利的费用。

You're paying for the convenience.

你付的是不用洗碗的钱。

You're paying for, I don't have to do the washing up.

我不用把时间浪费在这上面。

I don't have to waste my time on that.

你提到这点还挺有意思的。

And it's interesting that you bring that up.

比如说，我和我哥哥对比一下。

So that is something, for example, if I compare with my brother.

我哥哥特别喜欢外出吃饭，尝不同的餐馆，点外卖。

My brother really likes to eat out and try different restaurants and get takeaways.

最近几年，我彻底远离了这种做法。

And I really, in the last few years, have massively moved away from that.

我不太愿意在这件事上花钱， partly 是因为我觉得太贵了，就像你之前说的，安德鲁，外送越来越贵，我记得上次点的汉堡，居然要二十欧元。

It's something that I don't really want to spend my money on, partly because I feel like it's extremely expensive, a bit like you said, Andrew, it's got more and more expensive to the point where I remember the last takeaway I got, it was a burger and it was like €20 for the burger.

明白了。

Okay.

这也太离谱了吧。

That's wild.

汉堡配薯条，加起来二十欧元。

Burger and chips, right, together is €20.

汉堡和薯条。

Burger and chips.

我当时就想，算了。

And I just thought, you know what?

我还是更喜欢在家做饭。

I actually just prefer to cook at home.

所以我现在不太愿意在外出吃饭上花钱了。

So I've become a bit less willing to spend my money on eating out.

我更愿意把钱花在咖啡这类东西上。

I'll spend it on coffee and like things like that.

至于去餐厅吃饭，这几年我确实减少了不少开销，更喜欢在家做饭，享受那种感觉。

But I I going to restaurants for me, I've I've definitely pulled back my spending a bit on that in the last few years and just prefer to to cook at home and have those type of things.

我在这一块的消费习惯确实变了，但与此同时，我在其他方面花得更多了。

So my spending habits have have changed around that, but then at the same time, I've increased my spending in other areas.

比如说理发，我每年都会做一次昂贵的护发护理。

So I would say that I you know, things like my hair, like I pay for a hair treatment every year, which is really expensive.

我都不敢说具体花了多少，实在有点不敢面对。

I can't even say how much because it will I can't even I'm in denial.

我就是不敢面对。

I'm in denial.

我就是不敢面对。

I'm in denial.

所以我都开不了口说价格，但真的特别贵。

So I can't even say it out loud, but it is really expensive.

大多数人听了都会问，你这到底在搞什么？

And most people would think, what on earth are you doing?

这花的钱也太多了吧。

That's a lot of money.

但对我来说，绝对值回票价，我特别喜欢。

But for me, it's so worth it and I love it.

我超享受做护理的整个过程。

I love the ritual of getting the treatment.

所以，尽管从技术上讲，它对头发的实际效果有没有那么大提升？我还是愿意为这个花钱。

So again, that's something that I'm happy to spend money for even though does it technically or make a huge difference to my hair?

我觉得有提升，不过当然了，我这人太主观了。

I think it does, but of course, I'm completely biased.

但我也不确定。

But I don't know.

我就是愿意把钱花在这上面。

I I'm just willing to spend my money on it.

像这类东西，我会花钱去买，但别人可能会觉得这太离谱了。

So things like that, I I pay for where other people would be like, that's ridiculous.

我绝不会把钱花在那类东西上。

I would never spend my money on those things.

所以说，每个人在花钱这件事上的偏好真的差别很大。

So, yeah, people are so different about what they what they spend their money on.

其实我想问问你，Andrew，

Maybe if I could ask you, Andrew, actually

对。

Mhmm.

说到花钱这件事，你用移动支付的时候，花钱的方式会不会不一样？

Talking about spending money, do you spend differently if you're paying with your phone?

毕竟现在很多人都是用手机付款，对吧？

Because that's how a lot of people pay nowadays, right?

你的手机、银行卡，或者现金。

Your phone, your bank card or cash.

你三种都会用吗？用不同的方式付款时，花的钱会不一样吗？

Do you use all of those, and do you spend differently when you're using them?

我在加拿大时主要用手机支付。

I use my phone in Canada.

我把Apple Pay绑定了我的加拿大银行账户，所以在加拿大就能用手机付款。

I have Apple Pay connected to my Canadian bank account, so I can use my phone in Canada.

但在韩国，Apple Pay用起来不太稳定，这其实挺让我烦的。

Apple Pay is kind of hit or miss here in South Korea, and you have to have it's actually a bit of a pet peeve of mine.

你得有一张外国人根本办不到的卡。

You have to have a card which foreigners can't get.

因为我不是韩国人，所以拿不到那种能和Apple Pay配合的卡，这也没关系。

So because I'm not a Korean, I can't get that specific card that works with Apple Pay, which is fine.

随它吧。

Whatever.

没关系。

No worries.

不过呢。

But yeah.

所以我平时不用手机付款。

So I don't use my phone to pay.

虽然手机付款还有别的办法，但我还是老派。

There are other ways to pay with a phone, but I'm old school.

我喜欢从钱包里把卡片拿出来。

I like pulling the card out of my wallet.

我也是。

Me too.

对啊。

Yeah.

我懂。

I know.

我现在用这个，简直像老太太一样。

I'm like a grandma nowadays with that.

我这么做是因为大家都刷一下、刷一下、刷一下。

I do because everyone's like, beep, beep, beep, beep.

说实话，有一周我试过用手机支付，感觉就像吃甜食一样，你就是咔咔几下，完全感觉不到钱花出去了。

And I do have to say that for one week, I did start paying with my phone and I was like, oh, this is because it's just like sweets, you know, you're just like, and it just doesn't feel like you're spending money.

我当时就觉得自己不行，不能这样。

And I was like, no, no.

我觉得我还是得回到用实体卡的老办法。

I think I need to I need to just go back to the classic card.

对。

Yeah.

我特别喜欢把卡从钱包里抽出来。

I love getting my card out.

那种感觉真不错。

It feels nice.

我喜欢这样付钱。

I like that.

我喜欢用这种方式付款。

I like paying like that.

我绝对不会用手机付款，这让我显得有点老派，反正就是那样。

I'd never ever use my phone to pay, which kind of makes me a bit old and whatever.

不过说实话，我对这种方式真的接受不了。

But yeah, I'm not I'm not with that with that.

我在支付方式上从来不是那种爱尝鲜的人。

I haven't I'm not an early adopter for the payment things.

我还是习惯用卡片，有时候甚至用现金。

I'm still card and sometimes cash even.

我偶尔还是会用现金付款。

Sometimes I still pay with cash.

是的。

Yeah.

是的。

Yeah.

我们最近在韩国过了春节。

I we recently had a holiday here in South Korea, the Lunar New Year.

春节的时候，我岳母很贴心地给了我一点压岁钱。

And for the Lunar New Year, my mother-in-law kindly, very, very nicely gave me a little bit of cash for the Lunar New Year.

从那以后，这笔钱就一直放在我的钱包里，那是二月的事了。

And so it's been sitting in my wallet since then, and that was in February.

算起来已经过去好一阵子了，但那笔现金还是原封不动地躺在我的钱包里。

So it's a little while now since that time has passed, but that cash is just still sitting in my wallet.

我一直在想，为什么我还没花掉它呢？

And I was trying to think, why haven't I used it?

我觉得一方面是因为这是礼物，我总觉得就这么用了，有点不好意思。

And I think it's part and part that first of all, since it was a gift, I feel kind of bad just, like, using it.

毕竟这是份心意，如果花了这笔钱，最好得用在值得的地方。

You know, like, it was a nice gift, and if I spend that cash, it better be for something good.

我总不能随便去超市买点香蕉就把这钱花了吧？

I can't just, like, go to the supermarket and buy bananas and use that cash or something.

对吧？

Right?

既然这是礼物，我应该拿它买点像样的东西。

Like, I should use it to buy something nice because it was a gift.

可能这就是我一直没花掉这笔钱的原因。

So maybe that's why I haven't spent the money.

另外，只用现金本身就有种心理负担，用起来特别麻烦，而且这张钞票面额挺大，有五万韩元呢。

And then also, I think limiting yourself to cash has this, like, psychological factor where it's just really annoying to have to use the cash, and then if I break the bill, it's a larger bill, it's a 50,001 bill.

差不多就是五十美元吧。

So if I which is around $50.

你就想象一张五十美元的钞票。

Imagine a $50 bill.

要是我把它花掉，就得找零，一堆零钱，带着也挺烦的。

If I break that, then I'm gonna have change and smaller bills, and it's just gonna be annoying to carry around.

所以我觉得，如果你想存点钱，克制一下自己别买那些没那么必要的东西，最好的办法就是随身带点现金，别用卡片。

So I think this is a great way if you want to save some money and just talk yourself out of buying things that maybe you don't need so much, is just to keep some cash in your wallet and not use your cards.

而且，确实，除非是特别特别重要的东西，不然你可能就没那么想买了。

And then, yeah, maybe you'd be less tempted to buy things unless they were really, really important.

我也有过类似的经历，有人送我现金当礼物，结果那笔钱就一直躺在那儿好长时间。

I've had the same thing as, oh, somebody gave me cash as a a present, and it kind of just sat there for ages.

后来呢，我一点一点地花掉它。

And then, you know, little by little, I would use it.

但我老是忘了去用它。

But I would always forget to use it.

就像你说的，现在我们已经不太习惯用现金付款了。

Like you said, it's just not a payment method that we're used to using as much now.

我觉得将来，用不了多久，我们可能就彻底变成无现金社会了。

And I guess in the future, we'll probably be cashless completely, I imagine, in the not too distant future.

这迟早会来的。

It's coming.

是的

Yeah.

这肯定正在发生。

It's definitely coming.

安德鲁，我们之前提到过，有哪些东西是大家愿意花钱买的？

And and what's one thing we've mentioned, Andrew, what we will pay for?

有没有哪些东西，别人花大钱买，但你却觉得完全不值，一分钱都不想花？

What's one thing that or some things that other people spend money on that you're like, absolutely, I I will not spend money on that at all.

刚才你开玩笑说你的护发护理时，

Well, as a joke, when you were talking about your hair treatment

哦，对。

Oh, right.

没错。

Yes.

幸好我不用操心这些。

I'm glad I don't have to deal with that.

对，没错。

Yes, exactly.

这确实是你开销清单上可以去掉的一项。

That's one expense off your list indeed.

是的。

Yeah.

我在想啊。

I'm trying to think.

我有个朋友特别喜欢出去喝鸡尾酒，我每次都忍不住问：天哪，你干嘛花这么多钱在鸡尾酒上？

I have a friend who likes going out for cocktails and I always am like, oh my gosh, why do you spend so much money on cocktails?

你要是去酒吧喝那些贵得离谱的鸡尾酒，钱真是一下子就没了。

Like, if you go to the bar for drinking cocktails, which are quite expensive, then that can really add up and be a significant source of money.

我的意思是，随便吧。

I mean, like, whatever.

如果你负担得起，又喜欢喝，那也没问题。

If you can afford it and you enjoy it, that's alright.

但我挺庆幸自己没什么想去鸡尾酒吧的冲动，毕竟一杯酒少说二十美元，还得另付小费。

But I'm glad I don't really have that desire to go to cocktail bars because often a drink is maybe around $20, plus you have to pay the tip on top of that.

要是喝上几杯，或者是在约会什么的，那花销真能蹭蹭往上涨。

And if you're having a couple drinks or you're on a date or something, and it can really add up.

所以每次我听那位朋友讲起他在鸡尾酒吧花了多少钱，

So, sometimes when I talk to that friend and they told me about spending money at a cocktail bar.

我就忍不住倒吸一口气。

I'm like, whew.

明白了。

Okay.

还好我不爱凑这个热闹。

I'm glad I'm not into that.

我也不用非得去那儿消费。

I don't have to do that.

这算是一种

It's an

这可真是一笔不小的开销。

expensive habit.

是啊。

Yeah.

没错。

Right.

享受这些东西，花销真不小。

It's an expensive thing to to enjoy.

对我来说，我有两样特别的开销。

For me, I've got a couple, two specific ones.

第一样跟科技产品有关。

The first one is around technology.

我和伴侣正计划搬家，他想换台新电视。

So my partner, we're planning to move to a new location and he wants to upgrade the television.

他一心想要那种特别高级的大电视，什么OLED啊，反正我也说不太清。

And he's got this idea of this very fancy, huge television, I don't know, OLED or whatever it's called or I don't know.

我绝对不肯花五千欧元买一台电视。

And I absolutely refuse to spend like €5,000 on a TV.

我就是不干这种事。

Like I will not do it.

所以我们现在正商量该买哪台电视，但他铁了心要买，特别爱在科技产品上花钱，可我觉得，不就是个电视嘛。

So we're now in the negotiation phase of which TV we would potentially buy but he's absolutely set and he loves spending money on technology and he will spend money on technology but I'm just like, I don't care, like, it's just a TV.

最后看下来，其实都差不多。

It all looks the same in the end.

他问我，你怎么能这么说？

He's like, how could you possibly say that?

明明差别很大啊，可我就是看不出来有什么不同。

It's completely different And I just, I don't see the difference.

所以这就是我通常不愿意花天价钱去买的玩意儿之一。

So that's one thing that I'm often not willing to spend, you know, an extortionate amount of money on.

另一样就是清洁用品。

And the other thing is cleaning products.

明明有廉价的白牌清洁剂效果完全一样，我干嘛要花双倍价钱买品牌货？

I absolutely refuse to spend double the price on branded cleaning products when you've got white label products that do exactly the same thing.

它们的成分根本一模一样。

They have exactly the same ingredients.

所以我坚决不买贵的清洁产品。

So I refuse to buy expensive cleaning products.

我觉得这简直是最大的坑人套路。

I think they're absolutely the biggest rip off ever.

漂白剂就是漂白剂，没什么区别。

Like, bleach is bleach.

也许有质量稍好一点的漂白剂，但归根结底还是漂白剂。

I'm sure maybe there's slightly better quality bleach, but it is bleach.

这种东西我绝不会花双倍价钱去买。

Like, I will not pay double for that.

不过有些人就是喜欢买品牌清洁剂，觉得香味好闻，或者包装更漂亮。

So But some people really enjoy buying branded cleaning products because it has a certain smell or because the packaging is nicer.

至于包装，我根本不在乎。

Like, I couldn't give a toss about the packaging.

我真的完全不在意。

Like I just don't care.

给我最便宜的清洁产品就行。

Like give me the cheapest cleaning products ever.

我绝对不会为那种东西花钱。

Like I will not spend my money on that.

是的，不好意思。

Yeah, sorry.

我刚才说得有点激动了，但说实话，那些品牌清洁产品真不是我的风格。

Got very got very animated about that but you know, very branded cleaning products are just not my thing.

嗯。

No.

嗯。

No.

我懂你的意思。

I get that.

我喜欢你管它们叫白标产品。

I like how you called them white label.

我以前没听过这个说法，但在加拿大，我们会说没牌子的，就是无品牌。

I've never heard that before, but in Canada, we would say no brand, a no brand

哦，产品啊。

Oh, product.

对。

Yeah.

是的。

Yeah.

明白了。

Okay.

我能理解你伴侣对好设备的执着。

I sympathize with your partner about having the the good tech.

我其实也差不多是这样。

I guess I'm sort of that way too.

我记得以前得跟老婆商量买音响的事，因为我特别爱音乐。

I remember having to negotiate with my wife about our stereo because I'm really into music.

当初想给家里买音箱的时候，我们来回拉扯，因为音箱这类音响设备，一不小心就能花上大价钱。

And when I was trying to buy speakers for our home, we had to go back and forth because speakers are like, well, any audio equipment, you can spend just incredible amounts of money if you're not careful.

所以我一直在琢磨，跟老婆之间到底该划哪条线？我能花多少？

And so trying to find where is that line with my wife, like, how much can I spend?

到底能争取到多少预算买音箱？

How much can I get permission to spend on speakers?

这过程像在跳舞，但最后我们总算找到了一个在预算和音质上都满意的方案。

It was a fine dance, but I think finally we found something that we were both happy with financially and sound quality wise as well.

所以，我完全理解你得经历的那种协商。

So, yeah, I I totally get that negotiation that you have to go through.

对。

Yeah.

我们还在进行中。

We're still we're still in progress.

还在进行中。

Still in progress.

我想换个角度问问，除了花钱或者拒绝花钱的事情，有没有哪样便宜的东西，你就是不愿意掏钱买，但说不清为什么？

And I'm wondering, to go kind of to the other side of things, instead of spending money or things that you refuse to spend money on, is there, like, something cheap that you just don't want to pay for for some reason?

比如说，有时候看到某些东西，你会觉得，嗯，这玩意儿要是有了，生活品质肯定能提升不少。

Like, I don't know, for whatever reason, sometimes we see things and we think, Yeah, that would probably add a lot of value to my life.

尤其是数字产品，广告里常这么说：一个月花五块钱，比买杯咖啡还便宜，就能用这个App或者这项服务。

And often you see advertised, especially for digital products, you know, it might be some app that you need, or maybe some kind of service you need, and it will say like, I don't know, $5 a month cheaper than a cup of coffee to use this app or this digital service for one month.

可能是视频服务、音乐订阅，或者有声书服务之类的。

Maybe it's like a video service or a music music subscription service or audiobook service, something like that.

他们就是这么打广告的。

That's how they advertise.

对吧？

Right?

比一杯咖啡还便宜。

Cheaper than a cup of coffee.

但不知怎么的，我就是觉得这钱花得有点贵。

But for some reason, we're just like, it seems kind of expensive to me.

哪怕它其实能给生活带来不少价值。

Even though maybe it would add a lot of value to our lives.

你有没有过这种经历？

Have you ever had that situation?

有。

Yeah.

比如说，YouTube上的广告就是个例子。

I would say, for example, with ads on YouTube, for example.

你可以花钱订个会员，就能去掉广告。

So that's something that you can get a subscription and you takes away the ads.

对吧？

Right?

这样我做研究、看YouTube视频的时候，应该能省下不少时间。

Which I guess would probably save me some time when I have to do some research and look at YouTube videos and things like this.

但我也不明白为什么。

But I don't know why.

就是不愿意为这个花钱。

I just refuse to pay for it.

明明价格也不高，可我还是不想付钱买这种数字订阅服务。

I'm like, I'm not paying for another digital subscription even though actually it's a relatively low cost.

就像你说的，也就两杯咖啡的钱，可我就是觉得特别不舒服，凭什么要我再掏一次钱？这让我很烦。

And like you said, it's just a couple of cups of coffee but I there's just something about it that really gets my backup that I have to pay for it and that irritates me.

比如看Amazon Prime的时候，明明已经付了会员费，还要额外花钱去广告，我就想，这合理吗？

Or for example, when I'm watching Amazon Prime and you have to pay to not see adverts and I'm like, but hold on, I'm already paying to have this subscription.

是啊。

So I yeah.

确实有些事，我就是坚决不干。

There's some things like that that I refuse to do.

但最近我用了一个特别喜欢的App，叫Flight Raider，可以追踪全球所有的航班。

But then there was an app recently that I I love, which is called Flight Raider, where you can track all the flights around the world.

不知道你有没有听说过，安德鲁。

I don't know if you know this, if you've heard of it, Andrew.

这个App特别火。

It's it's really popular.

如果你也在听，说不定你也对航空感兴趣。

And if you're listening, maybe you've you're into aviation as well.

我以前用了好几年都没开广告屏蔽，但那些广告实在烦人，最后我实在受不了，还是买了年费订阅，说真的，价格低得可怜。

And I had been using the app without ads for years and the ads were so irritating and annoying that eventually, I caved and I actually paid the annual subscription, which was, you know, pathetic.

一年才十三欧元左右。

It was like €13 or something for the whole year.

我真想问自己，怎么不早点买呢？

And it's like, why didn't I just do that sooner?

用了之后，体验简直提升太多了。

Like, it makes the experience so much better.