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Few people need to be told not to overspend on credit or debit cards or to curb impulse shopping. You know you shouldn’t, even if you always do. What you need are solutions. Whatever your problems with money, you can change—but it’s going to take work. After all, you’re trying to break lifelong patterns. Start with these strategies. Strategy 1 A lot of people set themselves up for failure because they have a mindset of either indulgence (放纵) or deprivation (克制). If you try to deprive yourself of too much, where you spend almost nothing, then you end up giving up, and you indulge, and then you overspend. So if you have an unrealistic plan, you’re probably going to lose control. Good habits happen when planned; bad habits happen on their own. Strategy 2 Changing your mindset is effective in solving the problem. Take Smith-Acuna for example. She says she had a couple in therapy who constantly quarreled about what she feels has become a monetary cliché . They would always argue about how much money they were spending at Starbucks. The wife loved capping off each workday with a drink. Ultimately, the wife ended up quitting her Starbucks habit. Instead of replacing her drink with nothing, she got something else, something free, in return. Strategy 3 It’s a good start if you switch from paying for merchandise and services with a debit or credit card to paying with cash. It’s easy when you’re using plastic to mindlessly swipe and fall into a pattern of not thinking or noticing how much you’re actually spending. You can divide up your money and put it into envelopes, marking down on the envelopes what each pile of money is for. That can make it easier to see where your money is going. Strategy 4 Get a receipt for every purchase. Breaking up your expenses into categories like food, clothing, housing, medical care and so on, but also labeling each expense as a need or a want. Be realistic as to what is really necessary. A need is something where you would die or go to jail if you didn’t spend the money or ruin your credit. At the end of the month, total up all the categories. Do this, and you’ll be more educated about how much money you actually have, and how much you have left over for fun stuff. Strategy 5 There is probably a reason you developed bad habits, which are often adopted on the road easier traveled. So if you’re suddenly balancing your bank account every day, or you’re regularly putting money into an emergency fund, plan to give yourself some sort of prize for the past two weeks. You’ve been saving money or spending it more wisely, so you can probably afford it.


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Five strategies

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More often than not, knowing we shouldn’t overspend, we still tend to do so. It’s time we (1) ▲ pains to change our bad shopping habits. We can use the following 5 strategies (2) ▲ to help us solve problems with money. Having a mindset of either indulgence or deprivation means going to (3) ▲, which often leads to failure. In case you lose control, it’s a good habit to make (4) ▲ plans. Chang your mindset. Without spending too much money at Starbucks, the wife successfully got (5) ▲ of her bad habit by having something else in return. Change (6) ▲ you spend your money: paying in cash. Swiping a debit or credit card would make you (7) ▲ of the exact amount of money you spent. It is necessary to (8) ▲ your expenses into different categories. Tracking your spending helps you understand your actual (9) ▲ better. Since you can save money or spend it wisely, why don ’t you (10) ▲ yourself with some sort of prize? Cycling is the new golf

Traditionally, business associates would get to know each other over a round of golf. But road cycling is fast catching up as the preferred way of networking for the modern professional. A growing number of corporate-sponsored charity bike rides and city cycle clubs are providing an ideal opportunity to talk shop with like-minded colleagues and clients while discussing different bike frames. Many believe cycling is better than golf for building lasting working relationships, or landing a new job, because it is less competitive. “When you play golf with somebody you have to decide if you’re going to beat them, or let them beat you,” says Peter Murray, a former architect. “If they’re a client and you don’t want to beat them you have to so rt of cheat in order to lose. That seems to me not a good way of doing things.” Group cycling, and especially long -distance riding, is a shared experience, Mr. Murray says. Riders often work together and help each other out, taking turns to be at the front so that the riders in their slipstream can save almost a third of the effort needed to travel at the same speed. In 2005, Mr. Murray, who is a keen long-distance rider, founded the annual Cycle to Cannes bike ride. This six-day charity event brings together architects who want to cycle 1,500km from London to the MIPIM property fair in southern France each March. It has raised ? 1.5m for a range of charities in Britain and abroad. How someone rides a bike can give you a real insight into what a person is like, says Jean-Jacques Lorraine, a regular participant of Cycle to Cannes. “There is an easy rhythm about conversations on a bike. I often find I’m saying things on a bike which I wouldn’t normally say, and equally I’ve been confided in when I wasn’t expecting it. Some riders are very single-minded, others more collaborative; some are tactical, others an open book.”

Many long-distance bike riders say cycling, especially over long distances, simply makes them feel good; it lifts their mood and concentrates things down to the essentials. “The pattern of fuelling, riding, fuelling, arriving, celebrating, sleeping and fuelling again puts all the focus on riding and the company of your fellow riders,” says Simon Mottram, chief executive of Rapha, a premium cycli ng-clothes brand. The simple repetitiveness eases the stresses and pressures of normal life, he adds. Why do cycle rides lend riders so well to networking and making professional contacts? “Grabbing a quick lunch or drink after work, while great for different reasons doesn’t give you long enough to get to know someone,” he says. Mr. Murray believes long rides break down conventional hierarchical( 等级制度) barriers. “A younger rider can be cycling along with a chief executive and help them in some way and you get a reversal of the relationship. This changes the relationship when they are off the ride too.” Perhaps the most compelling reason why cycling is a good way to network is because, for many professionals, it’s a passion and a way of life they share. “Getting out on the bike is what we’re all dreaming of doing whil e we’re sitting at our computers,” says Mr Mottram.
Key points (1) ▲between (2) ▲ cycling and Differences golf ? ? Details Both sports help build working relationships.

Other (5) ▲ ? of group ? cycling ? Reasons why ? cycling is a ? good way to ? network

In order to please their clients, golf players often lose the game to them (3) ▲ . ? Compared with golf, cycling is less competitive. ? Group cycling involves riders (4) ▲ with each other instead of competing with each other. Such bike rides as Cycle to Cannes help raise money for charities. Group cycling can truly (6) ▲ the personalities of the participants. The repetitiveness of cycling can ease riders’ stresses in daily life, thus (7) ▲ their spirits. Cycling provides colleagues with (8) ▲ time to get familiar with each other. Relationships (9) ▲ during cycling will continue in reality. Cycling is the professionals’ (10) ▲ passion.


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