Can't stick to a budget? Try these tweaks instead | Your Money and Your Mind

Transcriber:

Let's cut right to the chase:

Translator: Emma Toft Reviewer: Anders Finn Jørgensen

Lad os sige det som det er:

for most people, budgeting just doesn't work.

for de fleste mennesker, budgetlægning virker bare ikke.

[Your Money and Your Mind with Wendy De La Rosa]

[Dine Penge og Dit Sind med Wendy De La Rosa]

You maybe follow your budget for a few days or a few weeks,

Du følger måske dit budget i et par dage eller nogle uger,

but soon, you forget about your budget

men snart glemmer du dit budget

and stop tracking the flow of your money.

og stopper med at følge dit forbrug.

And there goes your budget.

Og der ender dit budget.

And that's because of reality is, most of your budget is fixed.

Og det er fordi realiteten er, det meste af dit budget er fastlagt.

You can't really do anything about it

Du kan ikke gøre noget ved det

without making major life decisions.

uden at lave store livsændringer.

Your rent is your rent.

Din husleje er din husleje.

Your phone bill is your phone bill.

Din mobilregning er din mobilregning.

Your car payment is your car payment.

Dit bilafdrag er dit bilafdrag.

But the focus of today is the fact that many people struggle

Men fokuset i dag er det faktum at mange mennesker kæmper

with the little, ongoing, frequent purchases like eating out,

med de små, løbende, hyppige køb som at spise ude,

delivery services or shopping.

leverings servicers eller shopping.

So let's tackle each one of those individually.

Så lad os kigge på dem enkeltvist.

First, let's talk about eating out.

Først, lad os snakke om at spise ude.

In my research along with some colleagues,

I min forskning med nogle kollegaer,

I found that eating out

fandt jeg at spise ud

is one of the biggest financial regrets that people have.

er en af de største finansielle fortrydelser som folk har.

The only other expense that's even less satisfying than eating out

Den eneste anden udgift som er endnu mindre tilfredsstillende

are bank fees!

er bankgebyrer!

For eating out, instead of making a financial budget,

Med “spise ude”, i steder for at lave et budget,

where you tell yourself you're only going to spend

hvor du siger til dig selv at du kun vil bruge

100 dollars a month on eating out,

100 dollars om måneden,

let's focus on what I call a "frequency budget" instead.

lad os fokuserer på hvad jeg kalder et “hyppighedsbudget”.

So instead of focusing on the amount of money

So i stedet for at fokuserer på mængden af penge

that's much harder to track

som er hårdere at følge

and sometimes even impossible to track,

og nogle gange umuligt at følge,

let's focus on limiting the number of times

lad os fokusere på at minimere det antal gange

that you go out to eat.

som du spiser ude.

You'll have a much easier time saying no

Du vil finde det meget nemmere at sige nej

and tracking your budget.

og følge dit budget.

Now, I understand that we are all social humans,

Men, jeg forstå at vi alle er sociale mennesker,

and eating out is such a social activity.

og at spise ude er en social aktivitet.

And if that's what you're craving, I have some tips

Og hvis det er hvad du behøver, har jeg nogle tips

to make sure you can hit two birds with one stone.

til at sikre at du kan slå to fluer med et smæk.

Instead of eating out,

I stedet for at spise ude,

go and have a picnic with friends,

gå ud og have en picnic med vennerne,

sign up for a workout class

meld dig til en fitness time

or do any of the hundred social activities that you can do

eller gør en af de hundrede andre sociale aktiviteter som du kan

without having to spend 50 to 70 dollars a night.

uden at bruge 50 eller 70 dollars per aften.

If you plan it right,

Hvis du planlægger rigtigt,

you can still satisfy your social craving

kan du stadig tilfredstille dit sociale behov

and still save your wallet a lot of money.

og stadig spare din pung en masse penge.

Now let's talk about delivery services.

Lad os nu tale om leverings servicer.

A recent investigation found that those who order through a delivery app

En ny undersøgelse fandt at dem som bestiller gennem en leveringsapp

end up spending anywhere from 7 percent to 91 percent more

bruger mellem 7 til 91 procent mere

than those who dined in,

end dem som spiste ude,

thanks to the pile of miscellaneous charges and fees.

på grund af en stor mængde blandede gebyrer.

In fact, the same item can be more expensive on the app

Faktisk, det samme produkt kan være dyrer på appen

than in the restaurant.

end i restauranten.

Right now, you may be ordering out more frequently.

Lige nu bestiller du måske oftere gennem levering.

One analysis found that with the addition of delivery apps,

En analyse fandt at med tilføjelsen af leveringsapps,

fast food is no longer something associated with a quick bite on the go.

er fast food ikke længere associeret med et hurtigt bid mad på farten.

Given the added baggage that comes with these delivery apps,

Med det tilføjede bagage som kommer med disse apps,

my top tip here is to delete the apps from your phone.

er mit bedste råd at slette disse apps fra din telefon.

Now, if deleting it is too permanent or too extreme,

Dog, hvis at slette dem er for permanent eller ekstremt

you can still change your environment

kan du stadig ændre dit miljø

by making as many speed bumps as you can,

ved at lave så mange fartbumper som muligt,

to slow down the pace of purchases.

for at sænke farten på indkøbene.

Maybe link the app to a debit card

Måske forbind appen til et debit kort

with a small preset amount of money.

med et lavt tilgængeligt pengebeløb.

You can also delete the app after every purchase,

Du kan også slette appen efter hvert køb,

so that it's not enticing you at all hours.

så det ikke frister dig hele dagen lang.

Now let's talk about shopping.

Lad os nu tale om shopping.

Let me be clear:

Lad mig være helt klar:

I'm not saying that you should never go shopping.

Jeg siger ikke at du aldrig skal gå ud og shoppe,

What I am saying

Hvad jeg siger

is that I encourage you to buy the things that bring you happiness.

er at jeg opmuntrer dig til at købe ting som bringer dig glæde.

Research has shown that when you spend money on others,

Forskning har vist at når du bruger penge på andre,

when you spend money on experiences

når du bruger penge på oplevelser

and when you spend money on the things that save you time,

og når du bruger penge på ting som sparer dig tid,

these expenses make you happier.

disse udgifter gør dig gladere.

And I know retail therapy may seem great,

Og jeg ved at indkøbsterapi virker godt,

but researchers have found that spending the same amount of money

men forskerer har fundet ud af at bruge det samme pengebeløb

on someone else,

på en anden,

even as little as 5 dollars can make you happier.

selv så lidt som 5 dollars, kan gøre dig gladere.

So get that T-shirt for your friend instead of yourself.

So køb den t-shirt til din ven i stedet for dig selv.

Make a donation to a place that you really love and support

Giv en donation til et sted som du virkelig elsker og støtter

or buy an experience for yourself.

eller køb en oplevelse til dig selv.

Try something for the first time.

Prøv noget nyt for første gange.

And if you're overwhelmed,

Og hvis du er overvældet,

and you're burning the candle at both ends,

og du brænder lyset i begge ender,

know that it's OK to invest in something that will free up your time.

ved at det er okay at investere i noget som vil give dig mere tid.

Hire a local high schooler to mow your lawn

Ansæt en lokal skoleelev til at slå din græsplæne

or get someone to clean your house.

eller få nogen til at gøre dit hus rent.

These may be a little pricey,

Disse er måske lidt dyre,

but the time you save will be worth every penny.

men den tid du sparer vil være hver krone værd.

By making these small changes to your discretionary spending,

Ved at lave disse små ændringer til dit skønsmæssigt budget,

you can not only spend less

kan du ikke bare bruge mindre

but actually get more happiness and satisfaction

men faktisk også få mere glæde og tilfredsstillelse

from your spending.

fra dit forbrug.

It can mean a life with fewer guilty pleasures

Det kan betyde et liv med mindre guilty pleasures

and less regret.

og mindre fortrydelser.

Now who wouldn't want that?

Jamen hvem vil ikke have det?