Why talking to your friends can help you save money | Your Money and Your Mind

Transcriber:

Changing people's financial behavior is difficult,

Translator: Aznah Binti Arshad Reviewer: Nurul Hanim Abd Karim

Menukar kelakuan kewangan seseorang itu susah,

but it is possible.

namun boleh dilakukan.

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

[Wang Dan Minda Anda bersama Wendy De La Rosa]

One company that was looking to reduce energy consumption in San Diego

Sebuah syarikat mencari cara kurangkan guna tenaga di San Diego

tried to change people's behaviors

mencuba untuk ubah kelakuan orang

by using signs with one key sentence.

menggunakan papan tanda dengan satu ayat penting.

What exactly was that sentence?

Apakah ayat itu?

Well, it turns out that signs about protecting the environment

Rupanya, papan tanda tentang melindungi alam

or looking out for future generations

atau menjaga generasi hadapan

or signs that focus on the amount of money that people will save

atau papan tanda yang fokus jumlah wang yang dijimatkan

were not effective in reducing consumers' energy consumption.

tidak berkesan mengurangkan penggunaan tenaga.

Instead, the message that worked the best

Sebaliknya, mesej yang paling berkesan

was a simple one that read,

adalah mesej mudah berbunyi,

"The majority of your neighbors

“Kebanyakan jiran anda

are undertaking energy-saving actions every day.”

melakukan tindakan jimat tenaga setiap hari.”

A similar message focusing on what our neighbors are doing

Mesej yang sama memfokuskan perkara yang jiran lakukan

was used in the UK to incentivize British taxpayers

digunakan di UK untuk galakkan pembayar cukai

to pay their taxes on time.

membayar cukai tepat masanya.

That simple change, pointing out what other people are doing,

Perubahan kecil, tunjukkan perkara orang lain buat,

led to an increase in collections of about 29 percent.

sebabkan peningkatan kutipan sebanyak 29 peratus .

Psychologist Robert Cialdini, who worked on both of these studies,

Ahli psikologi Robert Cialdini yang lakukan kajian ini,

calls this phenomenon "social proof."

menggelar fenomena ini sebagai“bukti sosial”

He says people look to what others do

Katanya, manusia melihat perbuatan orang lain

in order to guide their own behavior.

sebagai panduan kelakuan mereka.

It's no wonder, then,

Tak peliklah,

that we base a lot of our own fiscal decisions

kita buat banyak keputusan fiskal,

on what other people do.

atas tindakan orang lain.

And unfortunately, what we most easily observe

Malangnya, kita paling senang lihat

are other people's spending behavior,

kelakuan orang lain berbelanja,

not their savings behavior.

bukan kelakuan menyimpan.

It's easy to notice if your friend goes on vacation

Kita mudah perasan jika kawan pergi bercuti

or buys a new car or a swanky pair of shoes.

atau beli kereta baru atau kasut baru.

And with social media, you can even keep tabs

Malah dengan media sosial, kita dapat ikuti

on the shopping habits of the rich and the famous.

tabiat beli-belah golongan kaya dan terkenal.

Now, if someone wins the lottery,

Jika seseorang menang loteri,

we'd expect them to spend more money -- and they do.

kita anggap mereka belanja banyak wang — memang mereka belanja.

But what's really interesting

Namun perkara yang menarik

is what happens to their neighbors.

adalah perkara berlaku pada jiran mereka.

A recent study found that close neighbors of lottery winners

Kajian terbaru mendapati jiran terdekat pemenang loteri

are more likely to borrow money, spend more on goods

cenderung pinjam wang, beli lebih banyak barang

and eventually declare bankruptcy.

dan akhirnya diisytiharkan bankrap.

In fact, the larger the lottery winner,

Malah, semakin besar nilai kemenangan,

the higher the rate of bankruptcy

lebih tinggi kadar kebangkrapan

among the neighbors of the lottery winners.

dalam kalangan jiran pemenang loteri.

Basically, the lottery winner's behavior

Kelakuan pemenang loteri

is rubbing off on their neighbors.

beri kesan kepada jiran mereka.

We are always aware of consumer spending,

Kita selalu sedar perbelanjaan pengguna,

but what we are not aware of

namun kita tak sedar

are other people's savings behavior.

tabiat menyimpan orang lain.

Ayuh, kita singkap tirai itu.

So let's lift that veil.

You can start with just a couple of friends.

Mulakan dengan beberapa orang rakan.

Instead of asking where they bought their new bike

Berbanding tanya kedai mereka beli basikal baru

or the best time of year to travel to France,

atau waktu terbaik melancong ke Perancis,

ask them if they paid down their mortgage

tanya mereka jika sudah langsai hutang rumah

or if they have an emergency fund

atau jika mereka ada dana kecemasan

or if they've paid off their student loan.

atau jika mereka langsai hutang belajar.

Tell them about your own financial situation.

Beritahu mereka keadaan kewangan anda.

To really make this a social affair,

Bagi menjadikan ia urusan sosial,

I encourage you to start celebrating paying down your debts.

saya galakkan anda meraikan pengurangan bayaran hutang.

Maybe you've seen the viral video of a happy dancing woman

Mungkin anda sudah tengok video viral wanita menari dengan gembira

who paid off more than 200,000 dollars in student debt.

membayar lebih daripada 200,000 dolar hutang pendidikan.

She was able to achieve this incredible milestone

Dia berjaya peroleh pencapaian tersebut

because she was bold enough to ask her colleagues

kerana beliau cukup berani bertanya rakan sekerjanya

and her industry peers

dan rakan dalam industri

how much they earned,

pendapatan mereka,

noting the thousands of dollars that she was missing out on,

ambil kira ratusan ribu yang beliau rugi,

and finding a job that would pay her her fair market rate.

dan cari kerja yang boleh bayar ikut kadar pasaran.

I think that video gained notoriety

Video tersebut jadi terkenal

because it's not often that we get to see what people have saved

kerana jarang kita dapat lihat jumlah simpanan orang

and how they're doing it.

dan cara mereka lakukannya.

But it shouldn't be so rare.

Namun ia tak patut jarang berlaku.

By having check-ins with your friends,

Melalui perbincangan bersama rakan,

you can help make a trend.

anda boleh buat satu aliran.

I remember when I paid off my student loan,

Saya ingat waktu saya langsai hutang pendidikan,

I wish I would have celebrated that milestone with friends.

saya harap saya boleh raikan kejayaan dengan kawan.

But at the time, I, too, was brainwashed into thinking

Namun ketika itu, saya juga diajar berfikir

that I shouldn't talk to my friends about money,

saya tak patut cakap tentang duit dengan mereka,

that it was a scary taboo subject.

ia satu pantang larang.

Don't be like me.

Jangan jadi macam saya.

Start the conversation today.

Mulakan perbualan hari ini.

Research has shown that our social bonds make us healthier.

Kajian menunjukkan ikatan sosial buat kita lebih sihat.

It's time to harness your social ties

Ini masanya untuk guna hubungan sosial

to boost your financial fitness, too.

untuk tingkatkan kecergasan kewangan anda juga.

Your future self will thank you.

Diri masa depan akan berterima kasih.