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

Transcriber:

Changing people's financial behavior is difficult,

Prevodilac: Marija Krsmanovic Lektor: Ivana Korom

Teško je promeniti finansijsko ponašanje ljudi,

but it is possible.

ali je moguće.

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

[Vaš novac i Vaš um sa Vendi De La Rosom]

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

Jedna kompanija koja je želela da smanji potrošnju energije u San Dijegu

tried to change people's behaviors

je pokušala da promeni ponašanje ljudi

by using signs with one key sentence.

koristeći znake u jednoj ključnoj rečenici.

What exactly was that sentence?

Koja je to rečenica?

Well, it turns out that signs about protecting the environment

Pa, ispostavilo se da znaci o zaštiti okoline

or looking out for future generations

ili brizi za buduće generacije

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

ili znaci koji se odnose na sumu novca koju će uštedeti

were not effective in reducing consumers' energy consumption.

nisu bili efikasni u smanjenju potrošnje energije.

Instead, the message that worked the best

Umesto toga, poruka koja je imala najviše uspeha

was a simple one that read,

je bila jednostavna i glasila je:

"The majority of your neighbors

“Većina vaših komšija

are undertaking energy-saving actions every day.”

svaki dan preduzimaju korake kojima štede energiju.”

A similar message focusing on what our neighbors are doing

Slična poruka koja se fokusira na ono što naše komšije rade

was used in the UK to incentivize British taxpayers

je korišćena u Ujedinjenom Kraljevstvu da podstakne britanske građane

to pay their taxes on time.

da plaćaju porez na vreme.

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

Ta jednostavna promena koja ukazuje na ono što drugi ljudi rade

led to an increase in collections of about 29 percent.

je dovela do povećanja prikupljenog poreza za 29%.

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

Psiholog Robert Ćaldini, koji je radio na obe studije,

calls this phenomenon "social proof."

je nazvao ovaj fenomen “socijalni dokaz.”

He says people look to what others do

On kaže da ljudi gledaju šta drugi rade

in order to guide their own behavior.

i to upravlja njihovim ponašanjem.

It's no wonder, then,

Onda, nije čudo

that we base a lot of our own fiscal decisions

što baziramo većinu naših finansijskih odluka

on what other people do.

na onome što drugi ljudi rade.

And unfortunately, what we most easily observe

I nažalost, ono što najlakše opažamo

are other people's spending behavior,

su potrošačke navike drugih ljudi, ne njihova štednja.

not their savings behavior.

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

Lako je primetiti ako vaš prijatelj ode na odmor,

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

ili kupi novi auto ili moderan par cipela.

And with social media, you can even keep tabs

Koristeći socijalne mreže možete čak i da pratite

on the shopping habits of the rich and the famous.

kupovne navike bogatih i slavnih.

Now, if someone wins the lottery,

Ako neko dobije na lutriji,

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

očekivali bismo da potroše više novca - i oni to i rade.

But what's really interesting

Ali nešto što je veoma zanimljivo

is what happens to their neighbors.

je ono što se događa njihovim komšijama.

A recent study found that close neighbors of lottery winners

Nova studija je pokazala da komšije bliske dobitnicima lutrije

are more likely to borrow money, spend more on goods

češće pozajmljuju novac, troše više na stvari

and eventually declare bankruptcy.

i na kraju proglase bankrot.

In fact, the larger the lottery winner,

U stvari, što je veći dobitak na lutriji,

the higher the rate of bankruptcy

veća je stopa bankrota među komšijama dobitnika lutrije.

among the neighbors of the lottery winners.

Basically, the lottery winner's behavior

U suštini, ponašanje dobitnika utiče na njihove komšije.

is rubbing off on their neighbors.

We are always aware of consumer spending,

Uvek smo svesni potrošnje,

but what we are not aware of

ali ono čega nismo svesni je kako drugi ljudi štede.

are other people's savings behavior.

So let's lift that veil.

Pa, hajde da to razjasnimo.

You can start with just a couple of friends.

Možete da počnete sa par prijatelja.

Instead of asking where they bought their new bike

Umesto da ih pitate gde su kupili novi bicikl

or the best time of year to travel to France,

ili koje je najbolje doba godine za put u Francusku,

ask them if they paid down their mortgage

pitajte ih da li su otplatili hipoteku

or if they have an emergency fund

ili da li imaju fond za hitne slučajeve

or if they've paid off their student loan.

ili da li su otplatili studentski kredit.

Tell them about your own financial situation.

Pričajte im o svojoj finansijskoj situaciji.

To really make this a social affair,

Da bi ovo stvarno bio društveni događaj,

I encourage you to start celebrating paying down your debts.

ohrabrujem vas da počnete da slavite kada vratite dugove.

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

Možda ste videli popularni video u kome srećna žena,

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

koja je vratila studentski kredit od više od 200 000 dolara, igra.

She was able to achieve this incredible milestone

Ona je uspela da postigne ovaj neverovatni cilj

because she was bold enough to ask her colleagues

zato što je imala dovoljno hrabrosti

da pita svoje kolege i saradnike na poslu koliko zarađuju.

and her industry peers

how much they earned,

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

Primetivši da propušta hiljade dolara,

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

ona je našla posao koji joj je omogućio da zaradi pravu tržišnu platu.

I think that video gained notoriety

Mislim da je taj video postao popularan

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

zato što retko imamo priliku da vidimo koliko su ljudi uštedeli

and how they're doing it.

i kako to rade.

But it shouldn't be so rare.

Ali to ne bi trebalo da bude retkost.

By having check-ins with your friends,

Razgovorom sa prijateljima možete da pomognete da to postane trend.

you can help make a trend.

I remember when I paid off my student loan,

Sećam se kada sam otplatila studentski kredit.

I wish I would have celebrated that milestone with friends.

Volela bih da sam proslavila taj događaj sa prijateljima.

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

Ali u to vreme i ja sam bila ubeđena

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

da ne bi trebalo da razgovaram sa prijateljima o novcu,

that it was a scary taboo subject.

da je to strašna tabu tema.

Don't be like me.

Ne budite kao ja.

Start the conversation today.

Počnite da razgovarate danas.

Research has shown that our social bonds make us healthier.

Intraživanje je pokazalo da nas socijalne veze čine zdravijima.

It's time to harness your social ties

Vreme je da upotrebite svoje društvene veze

to boost your financial fitness, too.

i za popravljanje svojih finansija.

Your future self will thank you.

Vaše buduće ja će vam zahvaliti.