Robert A. Belle: The emotions behind your money habits | TED

Transcriber:

Translator: Aznah Binti Arshad Reviewer: Nurul Hanim Abd Karim

Saya seorang akauntan yang ada masalah nombor.

Maksud saya, saya cekap mengira dan gunanya untuk laporan,

tetapi saya juga prihatin dengan kisah sebenar di sebalik nombor itu,

I am an accountant with a numbers problem.

I mean, I'm good with numbers and using them to report what's happening,

bahagian yang tak dapat ditafsirkan,

bahagian yang nombor tak dapat beritahu,

but I'm also concerned with the full story behind those numbers,

kisah yang lebih terperinci

dari sekadar strategi menyimpan dan menjana wang.

the part that gets lost in translation,

the part that numbers can't quite tell,

Tanpa kisah itu, saya tak rasa saya buat kerja dengan baik.

the story that goes deeper

than mere strategies for saving and earning money.

Sebab itulah saya dedikasikan kerjaya saya

untuk ketahui cara kerjaya saya sebagai akauntan

And without that story, I don't think I'm doing my job well.

boleh terangkan cerita tentang orang,

cerita yang akhirnya akan membantu memperbaiki hidup mereka.

That's why I've dedicated my career

to figuring out how my work as an accountant

Biar saya terangkan.

can tell stories about people,

Semuanya bermula apabila saya diberitahu, ”Awak gilakan coklat.”

stories that will ultimately help them improve their lives.

Saya balas, “Apa? Taklah, saya tak gilakannya.”

Let me explain.

Kemudian saya terfikir, mungkinkah saya menafikan obsesi sendiri?

It all started when someone told me, "You're obsessed with chocolate."

And I was like, "What? No, I'm not."

Adakah sebenarnya saya habiskan banyak wang beli coklat tetapi tak sedar?

But then I wondered, could I be in denial about my own obsession?

Ini adalah peluang untuk saya uji teori ini.

Was I actually spending a lot of money on chocolate but blind to it?

Melalui kaca mata akauntan,

saya mula meneliti perbelanjaan coklat --

Well, here was a chance for me to test this theory.

lalu mendapati,

perasaan suka saya terhadap coklat.

Using my accountant lens,

Saya belanjakan 50 dolar sebulan untuk coklat,

off I went tracking my spending on chocolate --

terutamanya jika bulan itu saya tertekan

and there it was,

dan pada bulan saya terlalu gembira.

my love for chocolate.

I was spending about 50 dollars a month on chocolate,

Meneliti perbelanjaan membantu saya memahami

especially in months when I was overstressed

yang saya ada corak emosi iaitu ketika susah atau senang,

and months when I was overjoyed.

Analyzing my expenses helped me to understand

saya akan lepaskan pada coklat.

that I had an emotional pattern where when I'm struggling or celebrating,

Saya alami masalah berat badan untuk masa yang lama

dan saya yakin diet saya bukanlah isunya.

I binge on chocolate.

Saya yakin ia disebabkan kurang bersenam,

I had struggled with my weight for a very long time

and I was convinced that my diet was not the problem.

dan tentunya bukan coklat.

Melihat perbelanjaan saya pada coklat,

I was convinced that it was my lack of effort in exercise,

buat saya sedar saya takut menghadapi diri di depan cermin,

and certainly not chocolate.

secara tersurat dan tersirat,

Tracking my spending on chocolate, though,

dan saya tak berani hadapi masalah sebenar, diet saya.

helped me realize that I was afraid of facing myself in the mirror,

Jadi saya teruskan bersenam,

literally and figuratively,

dan kurang luangkan masa untuknya

and that I lack the courage to deal with the real problem, my diet.

lalu alihkan fokus dan tenaga ke arah membentuk diet sihat.

So I continued to exercise,

but devoted less time to it

Tahun tersebut saya turun 23 kg.

and instead shifted my focus and energy towards developing a more healthful diet.

Hubungan kita dengan wang menunjukkan hubungan kita dengan kehidupan.

Kira-kira kelakuan coklat saya

That year I lost 50 pounds.

memaklumkan kisah penafian saya.

Our relationship with money represents our relationship with life.

Saya sedar mungkin saya boleh bantu klien saya

The accounting of my own chocolate behavior

melihat perkara yang mereka terlepas pandang

told me the story of my own denial.

I realized that perhaps I could also help my clients

dan bantu mereka sedar corak emosi mereka

melalui catatan perbelanjaan.

see what they were overlooking in their own lives

Saya mula ambil perhatian terhadap kisah di sebalik perbelanjaan klien

and help them realize their own emotional patterns

through their tracking and spending of their expenses.

yang mungkin tersembunyi.

So I started to pay close attention to the story behind my clients' expenses

Antara klien saya, jururawat rawatan kritikal,

rasa yakin bahawa belanjawan peribadinya munasabah

that may be hidden to them.

dan perbelanjaannya masuk akal.

One of my clients, a critical care nurse,

Dia sukar untuk menyimpan

was convinced that her personal budget was reasonable

dan saya perasan rekod perbelanjaannya agak minimum.

and expenses justifiable.

Saya sarankan kesukaran menyimpan

She had struggled to build up her savings

bukan sekadar jurang ilmu kewangan

and I noticed that she had minimal records of her expenses.

dan bantu kenal pasti masalah.

I suggested to her that her lack of savings

Saya galakkan beliau untuk mula catat perbelanjaan.

could be due to more than just a gap in her financial knowledge

Selepas beberapa bukan, catatan kewangannya menunjukkan

and offered to help identify the problem.

perbelanjaan paling banyak pada pakaian dan kasut mahal.

I encouraged her to start tracking and charting her expenses.

After a few months, her financial records revealed

Ketika kami duduk bersama, dia benar-benar terkejut

that most of her spending was on expensive clothing and shoes.

melihat jumlah dibelanjakan pada fesyen.

Getusnya, “Wah, ini perbelanjaan tanpa dirancang, bukan?

As we sat together, she was genuinely surprised

to see just how much of her budget was going towards fashion.

Rupanya saya tak sedar tentangnya.”

Dia selidiki lagi dan sedar dia membeli pakaian

She remarked, "Wow, these are impulsive purchases, aren't they?

untuk buat orang kagum dan tampak berjaya depan kawan.

I guess I didn't realize that."

She analyzed further and realized that she was buying clothes

Juga ketika rasa yakin diri rendah, beli baju dapat menaikkan untuk sementara.

in an attempt to impress and appear successful to her friends.

Dia beritahu beli pakaian adalah usahanya

And also when her confidence was low, buying clothes temporarily boosted it.

untuk mencari makna hidup dan rasa diri bernilai.

Dia mengeluh dan menetapkan matlamat kewangan.

She told me that buying clothing was her attempt

to find meaning in life and feel valued.

Enam bulan kemudian, dia hubungi saya untuk maklumkan dia simpan sejumlah wang

She sighed, and she set a goal for herself and her finances.

dengan kurangkan perbelanjaan dari pembelian

dan memilih untuk bersenam ketika rasa ingin berbelanja.

Six months later, she called me to tell me she had saved a bunch of money

Beliau lebih gembira bersama kawan-kawannya

by reducing her spending on shopping

and instead choosing to exercise when she felt the urge to shop.

Tiga tahun kemudian, berhasrat membeli rumah.

Ada kalanya,

mencatat perbelanjaan mungkin tak dedahkan sesuatu yang khusus,

She's much happier around her friends.

Three years later, home ownership is on the horizon.

seperti ketagihan coklat atau masalah membeli belah,

namun perkara yang didedahkan juga bernilai.

Sometimes, though,

charting expenses may not reveal something specific,

Ahli strategi pemasaran dan bakal ahli muzik

as a chocolate addiction or shopping problem,

perlu bantuan tentang cukai.

but what it reveals can be just as valuable.

Ketika saya bertemunya, saya nampak ketakutan di wajahnya

A marketing strategist and upcoming musician

ketika dia lihat catatan perbelanjaannya.

needed help with her taxes.

Saya menegurnya dia dan dia maklumkan

When I met with her, I immediately took note of the fear in her face

ada sesuatu dalam hidupnya tampak tak kena,

as she looked through her records and expenses.

termasuklah hubungannya.

I checked in with her and she expressed to me

Beliau risau kekurangan wang selepas dicukai.

that some things in her life didn't quite seem to work out,

including her relationships.

Semakin kami berbincang tentang kewangannya,

She was afraid of facing how much money she was about to lose after taxes.

dia mula perasan kaitan kerisauannya kehilangan wang

dan kerisauannya putus hubungan.

As we continued talking about her finances,

Dia beritahu saya dia takut jalani hubungan

she started to notice a connection between her fear of losing money

kerana dia tak mahu terluka.

and her fear of losing relationships.

Dia maklumkan sudah tujuh tahun tak jalani hubungan

She went on to tell me that she was afraid of committing to anyone

kerana dia takut gagal.

because she didn't want to get hurt.

She expressed that she had not been close to anyone in over seven years

Lalu mungkin dia ada strategi mengelak

terhadap wang dan perhubungan.

because she feared failure.

Sudah enam tahun sejak saya bantu dia merekod kewangannya,

And maybe she might have an avoidance strategy

around both her money and her relationships.

dan dia mencatat perbelanjaan secara konsisten.

It's been six years since I first help her chart her finances,

Dia berdepan dengan akaun kira-kira peribadinya

dan meningkatkan simpanan setiap kali musim cukai,

and she's still consistently keeping up with her spreadsheet.

dia kurang rasa takut kehilangan wang dan semakin terbuka dengan hubungan.

As she confronted her personal accounting

and grew her savings in advance of each tax season,

Dia beritahu dia juga semakin berani

she developed less fear of loss and grew more open to relationships.

untuk putuskan hubungan yang tak beri manfaat.

Baru-baru ini dia beritahu saya,

She tells me that she even has the courage

“Akaun saya sebenarnya menceritakan perkembangan hidup saya

to walk away from a relationship when it's not serving her.

dan saya boleh melihatnya melalui angka.”

She recently told me,

"My spreadsheet is basically a story of my life's progression

Saya percaya kita semua boleh buat audit terhadap tingkah laku kewangan

and I can see it through the numbers.”

dan kita boleh belajar perkara yang mengejutkan tentang diri

I believe we can all do this type of audit of our own financial behavior

melalui catatan perbelanjaan.

Begini caranya.

Pertama, lihat penyata bank anda

and that we can learn surprising things about ourselves

untuk enam bulan lepas

through tracking and charting our expenses.

dan kategorikan perbelanjaan ikut jenis

Here's how.

untuk nampak lebih holistik.

Number one, take a look at your bank statement

Sebagai contoh,

perbelanjaan beli-belah berbanding pengangkutan dan hiburan.

for the last six months

and categorize the expenses by type

Kedua, bila ada perbelanjaan tinggi,

for a more holistic view.

For example,

your spending on shopping versus transport versus entertainment.

lihat apa yang corak itu beritahu tentang diri anda.

Perlu rasa ingin tahu dan suka bertanya.

Number two, when an expensive pattern emerges,

Mulanya mungkin tak jelas,

see what that pattern says about yourself.

namun dengan bertanya diri sendiri perkara yang buat kamu memilih ketika itu

Be curious and inquisitive.

dapat memberikan beberapa petanda.

At first, it may not be that obvious,

Adakah anda beli piza setiap malam Rabu

but asking yourself what led you to make that choice in a given moment

kerana terlalu penat memasak selepas mesyuarat mingguan yang memenatkan?

can provide some clues.

Ketiga, pantau jika ada perbelanjaan

Do you buy pizza every Wednesday night

because that's when you're too tired to cook after a stressful weekly meeting?

yang mengejutkan anda dari segi nilai atau jumlah

dan lihat corak yang timbul.

Number three, observe if there are any line items

Sebagai contoh, adakah anda beli telefon pintar baru

that you are shocked by in terms of value or volume

sebelum majlis atau acara penting

supaya kawan-kawan perasan?

and see what patterns emerge.

Atau adakah anda beritahu diri hanya gunakan teksi pada lewat malam,

For example, did you buy that new smartphone

just before a major function or event

kemudian sedar yang anda gunakan lebih kerap setiap bulan

so that your friends would notice?

dari yang disangkakan?

Or do you tell yourself you only take taxis late at night,

Adakah anda kerja lebih masa lebih kerap dari sangkaan?

Ada banyak yang kita boleh belajar tentang diri

but then realize that you're taking way more taxes every month

jika kita ambil masa untuk perhatikan.

than you thought?

Kadangkala wang kita lebih kenal diri dari kita sendiri.

Are you working late more than you thought?

There's so much that we can learn about ourselves

Mencatat kewangan sendiri boleh dedahkan apa yang kita nafikan,

if we take the time to look.

And sometimes our money knows us better than we know ourselves.

pandangan berat sebelah,

kerisauan kita dan perkara yang menghalang kita.

Tracking our finances can reveal what we are in denial of,

Walaupun ia mungkin sukar dan kurang selesa

our hidden biases,

untuk lihat betul-betul tingkah laku kewangan kita,

our fears and what might be holding us back.

ia boleh dedahkan kebenaran tentang emosi terpendam.

Though it can be difficult and uncomfortable

Sesetengah kebenaran dapat membantu menilai semula kerjaya kita,

to take a good, hard look at our financial behavior,

it can reveal some deep emotional truths.

hubungan dan keutamaan kita,

Some truths that can help us re-evaluate our careers,

Cubalah. Hasilnya mungkin lumayan.

our relationships and our priorities.

Terima kasih.

So give it a try. The payoff could be huge.

Thank you.