And this week, we wanted to talk to you about all the things that you might feel like you need to buy, but which are, in the grand scheme of things, pretty unnecessary.
本週，我們想跟大家聊聊所有你可能覺得自己需要購買，但從大局來看，其實相當不必要的東西。
00:15
It's inevitable that in your adult life, sometimes you are just going to make purchases that you end up regretting, but we can almost guarantee that you will make a lot fewer of those stupid purchases if you think really hard before you buy the items you're thinking of buying.
And more importantly, if you're honest with yourself about what you really need versus what just looks really good on that website or store window or your friend's house.
So without further ado, because we have a lot to cover today, let's go over nine unnecessary items you think you need to buy.
那麼，事不宜遲，因為我們今天有很多內容要講，讓我們來看看九種你以為自己需要購買的不必要物品。
00:42
Number one is elaborate exercise equipment.
第一項是精密的運動器材。
00:44
Now we've talked a lot on this channel before about how paying for a gym membership that you basically never use, and I have definitely done this, is a huge waste of money that's often spent in the interest of feeling like you're doing something good for yourself.
But the answer to this is not to just recreate the entire gym experience at home so that you also never use it.
但解決之道並非只是在家裡重現整個健身房體驗，以至於你同樣從不使用它。
01:04
Getting very basic things like a yoga mat, some comfortable clothes to work out in, and a decent pair of shoes is okay, but feeling like you need to have the machinery or all of the fancy things you saw on that fitness Instagram is way too much.
For the average person, there are enormous amounts of effective workouts that you can do at home using just a mat, a wall, a chair, and your own body weight.
對於一般人來說，有大量的有效運動可以在家裡進行，只需使用瑜伽墊、牆壁、椅子和自己的體重。
01:26
And there are also plenty of awesome YouTube channels you can watch totally for free that will go over all kinds of home workout routines that are catered to whatever your needs and goals might be.
Speaking more generally, we often feel that buying something is going to be what kicks our ass into actually using it or doing it.
更廣泛地來說，我們常常覺得，購買某樣東西會促使我們真正去使用或做它。
01:42
But the effect is actually often the opposite.
但實際效果往往恰恰相反。
01:44
When you buy these items, like say your fancy exercise equipment, you're sort of almost telling your brain, wow, I've already done basically half the work and you get to feel good about it without having done anything.
And when you inevitably neglect these items, they actually become a source of shame and guilt and you go out of your way to avoid them, which totally defeats the purpose of having gotten exercise equipment in the first place.
If you are interested in doing home exercise, commit to doing one year of home exercising without any kind of fancy equipment or machines.
如果你對居家運動感興趣，請承諾進行一年的居家運動，不使用任何花俏的器材或機器。
02:13
If you make it to the end of that year, consistently and decide at that point that there is one item that might really up your regimen, then you can get it.
如果你堅持到那一年結束，並在那時決定有一樣物品可能真的能提升你的運動計畫，那麼你就可以購買它。
02:20
Number two is bulky or excessive kitchen gadgets.
第二項是笨重或過多的廚房小工具。
02:23
Things like a deep fryer, a smoothie blender, a waffle iron, a fondue pot, you've seen it all in various people's kitchens, perhaps even your own.
像是油炸鍋、冰沙
02:32
And you know that thing goes untouched 363 days of the year.
而你知道那東西一年有363天都閒置著。
02:36
Speaking personally, I have an extremely fancy fondue pot that was gotten to me as a gift, so there's really nothing I can do about it.
就我個人而言，我有一個非常花俏的起司鍋，那是別人送我的禮物，所以我真的也無可奈何。
02:42
But I can 100% confirm that it gets used exactly once a year and then takes approximately two days to properly clean and shine again.
但我可以百分之百證實，它一年只用一次，然後大約需要兩天才能徹底清潔並擦亮。
02:49
So whether you're excited about filling up a new apartment or you're putting a bunch of items in a wedding registry that you don't need or thinking about even asking them for Christmas or a birthday, wait on asking for anything kitchen related that is not a total necessity.
They might make you feel like you're more established or adult or like you have a serious grown up kitchen, but they are very unlikely to actually make you cook more.
Anytime you have a paying of, oh, I wish I had this item or gadget, write it down.
每當你心想「噢，我希望我有這個物品或小工具」時，就把它寫下來。
03:28
If within that year you've seen that you've written down the need for a specific item five times, then you can justify getting it for yourself.
如果在那一年裡，你發現自己已經寫下對某個特定物品的需求五次，那麼你就可以合理地為自己買下它。
03:36
Because then the chances are way higher that you will actually use it consistently and get your money's worth.
因為這樣一來，你真正持續使用它並物有所值的可能性會高得多。
03:41
If you haven't seen the need for it on a recurring basis, don't buy it.
如果你沒有經常看到對它的需求，就不要買。
03:45
You're just going to watch it collect dust while you feel bad about yourself.
你只會看著它積灰塵，同時對自己感到沮喪。
03:48
Number three is highly specific ingredients or foods.
第三點是高度特定的食材或食物。
03:51
If you're someone who's gotten into looking up recipes online to cook, you probably often come across recipes that call for one very specific or often expensive item that you really are only using for that one dish.
And especially if you're new to cooking, you might feel intimidated and feel like you have to buy that exact item to do the recipe.
特別是如果你是烹飪新手，你可能會感到卻步，覺得自己必須購買那樣確切的食材才能做出食譜。
04:08
But if you commit yourself to having a basic familiarity with different ingredients and flavors and textures, you find that you can often substitute this item or even sometimes go without it.
You can use the olives that you happen to have on hand rather than running to your local overpriced grocery store and buying the Castile Vitrano olives that are specifically called for in the recipe.
Or you can use rice instead of pharaoh if you don't have any on hand, or you can substitute one vinegar for another you might have in your cabinet as long as they have pretty similar acidity and flavor profiles.
Things like diet foods, bars, smoothies, things that you know are only serving you one purpose are going to be pretty useless when it comes to feeding yourself in a sustainable and budget-friendly way.
Anytime a food manufacturer has taken literally all of the guests' work out of any kind of meal product for you, you can basically guarantee that you're paying a ton more for it.
And buying a prepackaged diet meal is probably going to run you the same amount of money as buying those basic ingredients and making like three of those meals for yourself.
購買一份預先包裝好的減肥餐，所花的錢可能與您購買那些基本食材，然後自己製作三份餐點的費用相同。
05:11
And lastly, when it comes to specific food items, you want to think in the same way when it comes to food storage.
最後，談到特定的食物，在食物儲存方面，您也應該以同樣的方式思考。
05:17
You could spend your whole life accumulating things like bento boxes and soup containers and things to put your cereal in that keeps the air out and like weird package things for all your vegetables, but there's no point.
You can do like 90% of what you want to do with a couple of mason jars with lids and like one little set of the Pyrex Tupperware, which you can also use for baking.
And nine times out of ten, when it comes to things like cereal or chips, you don't have to worry that you're not going to eat them quickly enough that they need to be put into like a hermetically sealed vacuum pack.
十之八九，對於麥片或洋芋片這類東西，您不必擔心吃得不夠快，以至於需要將它們放入密封的真空包裝中。
05:47
You'll eat them.
您會吃完它們的。
05:48
Number four is a bloated cable package.
第四項是臃腫的有線電視套餐。
05:50
Fun fact, when I first moved out of my parents' house years and years ago into one of those big houses with a bunch of roommates, one of the first things I did was specifically get myself a cable package for my bedroom so that I never ever had to argue with my many male, bro-y roommates about what we were going to do with the television.
And here's the thing, despite this largely being like the pre-netflix, pre-watching whatever you want in ten seconds on your computer days, I still barely ever watched TV.
I actually think I more frequently watched my DVDs of Sex in the City than I actually did anything that just happened to be on cable television.
我實際上覺得我更常看《慾望城市》的DVD，而不是看有線電視上碰巧播出的任何節目。
06:25
But especially now, in the days of internet abundance, there is really no reason to be getting a full cable package just because that's what your parents had when you were growing up.
First of all, a lot of the things that you might want to be watching that are either network-specific or like an event like sports or whatever can be streamed online, sometimes for free, but often just for a couple bucks a month.
Combine that with something like Hulu or Netflix, and you have enough entertainment for basically 70 lifetimes.
再加上Hulu或Netflix之類的服務，您擁有的娛樂內容基本上夠看七輩子了。
06:56
But if you actually do want to get a cable package, you must do it in the smartest way possible.
但如果您真的想辦有線電視套餐，您必須以最聰明的方式進行。
07:00
That means actually calling your cable company and figuring out what is the lowest possible package that still contains all the channels you want and negotiating with them for your rate, especially if you're bundling it with other things like phone and internet.
There's actually a useful online guide that we'll link you to in the description called The Chord Cutter that shows you how you can watch all of your favorite TV stuff online.
And it breaks down exactly how much it would cost.
它會詳細列出確切的費用。
07:22
Number five is paper storage.
第五項是紙本儲存。
07:24
So oftentimes, when it comes to setting up a home, we tend to think of things halfway.
所以很多時候，在佈置家居時，我們往往只考慮一半。
07:28
In this example, you might be thinking that the key to the organized, efficient adult home is just having all of your papers super well organized and sorted.
在這個例子中，你可能會認為，打造整潔高效的成人家居的關鍵，只是把所有文件整理得井井有條。
07:38
But the truth is, we live in 2018 now, which means that approximately 70 to 80% of those papers you're thinking of, you actually don't need physical versions of.
Learning to routinely scan your important documents and just having them available to you digitally is hugely important, not just to maintaining an organized home and making sure you have everything when you need it, but also not wasting a ton of space with things like filing cabinets, baskets, shelving units, and other stuff that usually just ends up
For example, at TFD, we've gotten into the habit of every time we have something that has to do with our billing or expenses, just scanning it and uploading it so that we have the digital copy that everyone can access.
Otherwise, I could literally fill one of those giant, comically big Tupperwares with just receipts, checks, invoices, and all of those other pieces of paperwork that serve no purpose once they're used.
And let's be clear, even a nice Dropbox membership costs way, way less than one of those nice metal filing cabinets.
讓我們明確一點，即使是一個不錯的Dropbox會員資格，其成本也遠遠低於一個漂亮的金屬文件櫃。
08:36
Don't think just halfway and organize all of your paper into neat little stacks.
不要只考慮一半，然後把所有文件整理成整齊的小堆。
08:40
Think the whole way and start digitally organizing them so that you can access them exactly when you need to and not take up unnecessary space or money.
要考慮周全，並開始數位化整理它們，這樣你就能在需要時精確地存取它們，並且不佔用不必要的空間或金錢。
08:48
Number six is fancy cleaning supplies for home and body.
第六點是高檔的家居和身體清潔用品。
08:51
Cleaning supplies, whether for your home or for your actual body, are one of the easiest things that you can get multiple uses out of one good product or even DIY the products yourselves.
Things like body scrubs can be easily and effectively DIYed with things like raw sugar, olive oil, coffee grinds, coconut oil, et cetera.
身體磨砂膏之類的東西，可以輕鬆有效地用原糖、橄欖油、咖啡渣、椰子油等材料自己動手製作。
09:10
And a good bar of soap works just as well as any fancy body wash for actually cleaning your body.
而一塊好的肥皂，用於實際清潔你的身體，效果與任何高檔沐浴乳一樣好。
09:16
And by the way, those body washes are often full of unnecessary colorants and perfumes.
順帶一提，那些沐浴乳通常充滿了不必要的色素和香料。
09:20
And when it comes to cleaning your home, not only are there tons of cleaning jobs that can be done with basic tools like baking soda or vinegar, but getting one all purpose cleaner will allow you to clean about 90% of the surfaces in your home effectively.
And aside from the fact that you don't have to be paying for every different cleaning surface based on its texture or material, you also don't need to be taking up an insane amount of space in one of your precious cabinets with just like a million various cleaners you never really use.
除了你不需要根據不同清潔表面的質地或材料來支付費用之外，你也不需要
09:49
And lastly, when it comes to those cleaning products that you do actually need to buy, often that come in those spray bottles, make sure to just buy a little set.
最後，至於那些你確實需要購買、且通常是噴霧瓶裝的清潔產品，務必只買一組小套裝。
09:57
You can get them on Amazon of the plain empty spray bottles.
你可以在亞馬遜上買到這些素面的空噴霧瓶。
10:00
You can label them with what they are and then just buy the refills to actually put the product in them.
你可以為它們貼上標籤，寫明內容物，然後只買補充包，將產品裝進去。
10:05
Anytime you're buying the spray bottle itself with the product, you're paying way more.
任何時候你買附帶產品的噴霧瓶，你都付了更多錢。
10:09
I think I've actually been using the same Myers all purpose spray bottle for approximately four years.
我其實已經用了同一個 Myers 多功能噴霧瓶大約四年了。
10:14
I just refill it every now and then.
我只是偶爾補充一下。
10:15
Number seven is new or perfectly matching furniture and appliances.
第七點是全新或完美搭配的家具和電器。
10:20
It's easy to feel like your pride is wrapped up in having new things in your home that are just yours or in having everything match perfectly so that you feel like a fancy adult.
It's so easy to lust after like that perfect beautiful set of matching glasses or flatware.
你很容易就會渴望擁有一套完美又漂亮的搭配杯子或餐具。
10:35
But there are so many good things to be found in places like thrift stores, Goodwill, or even in neighborhood specific Facebook groups where people are always looking to get rid of things.
Goodwill is a gold mine for things like glasses, flatware, small appliances, coffee tables, et cetera.
Goodwill 是尋找眼鏡、餐具、小家電、咖啡桌等物品的寶庫。
10:50
One of the members of the TFD team actually was telling us about this time she went to a New Year's party where the host had 25 mismatch champagne glasses that she got from a thrift store for a couple bucks so that she wouldn't care if anything happened to them.
And actually they ended up looking extremely cute and festive.
事實上，它們最後看起來非常可愛且充滿節慶氣氛。
11:06
And while obviously there are some furniture items that you want to be a little cautious about buying secondhand such as anything with fabric, it's also really important that you not associate brand new with mine.
Something can be just as much yours just as meaningful and beautiful even if it's come third or fourth hand from a yard sale.
即使一件物品是從庭院拍賣會上輾轉三四手而來，它仍然可以同樣屬於你，同樣有意義和美麗。
11:24
And lastly the items that you always end up loving the most in your home are the ones that you found on some random consignment store trip and not the thing that you went specifically to IKEA and bought off the rack.
Now I live in New York City which means that I use every last inch of square footage that I have and have no options for anything even resembling a pointless room like a sitting room.
我住在紐約市，這意味著我會利用我擁有的每一寸空間，根本沒有任何選項可以擁有像會客室這樣無用的房間。
11:47
But a lot of you guys might live in bigger apartments or houses where you frankly have more space than you need every day.
但你們很多人可能住在更大的公寓或房子裡，坦白說，你們每天擁有的空間比實際需要的還要多。
11:52
And a lot of us also probably grew up in homes where your parents had something like a sitting room or a parlor or just like this fancy room with chairs and a table that essentially never gets touched and is used basically to dust once every six months.
There's still this weird lingering formality in how we think of homes that we think there needs to be some sort of a formal sitting area that is not where we actually sit or watch TV or hang out or do anything with other people.
But if you have a room in your home like a sitting room that is essentially just used for show stop it right now.
但如果你家裡有像會客室這樣基本上只用於展示的房間，現在就停止這種做法。
12:24
You are paying for every square foot that you live in.
你為你居住的每一平方英尺空間付費。
12:27
So take the time to walk around your home really take stock of each room and see what you're not using.
所以花點時間環顧你的家，仔細審視每個房間，看看有哪些是你沒有在使用的。
12:32
And if there is a room that you're not using ask yourself honestly how could I get a lot of use out of it.
如果有你沒在使用的房間，誠實地問自己：我該如何充分利用它？
12:37
Things like a home office, a home workout room, you could have a huge walking closet or a dressing area, whatever it is that you don't have right now and could use.
像是家庭辦公室、家庭健身房，你可以有一個超大的步入式衣帽間或更衣區，任何你現在沒有但用得上的東西。
12:46
It's almost always guaranteed to be better than just random room with fancy chairs that no one ever goes to every room in your home should be used and loved.
這幾乎總是比一個擺滿漂亮椅子卻沒人去的閒置房間要好，你家裡的每個房間都應該被使用和被喜愛。
12:54
Number nine is the newest version of your phone or laptop, especially in the past decade, the rate at which new computers and phones come out way exceeds our need to actually replace them.
One study showed that the average American doesn't even wait two full years before they replace their phone.
一項研究顯示，一般美國人甚至等不到兩年就更換他們的手機。
13:10
And while sometimes there are great deals that are offered with upgrading your phone, a lot of times they're totally unnecessary and come with sneaky financial elements that you might not want to be signing up to.
They're not giving you a free phone unless they get something really good out of it.
他們不會白白送你一支手機，除非他們能從中獲得真正的好處。
13:25
If your phone or laptop is starting to act all slow and weird, your first step should not be get a new phone.
如果你的手機或筆記型電腦開始變得緩慢和奇怪，你的第一步不應該是買一支新手機。
13:30
You can start by exporting the vast majority of your files onto an external hard drive so that you can wipe your phone and have way more free memory.
你可以先將絕大部分的檔案匯出到外接硬碟，這樣你就可以清除手機，獲得更多的可用記憶體。
13:38
And you can also always visit the Genius Bar or your local phone store to see what they have to say about the issue.
你也可以隨時造訪 Genius Bar 或你當地的手機店，看看他們對這個問題有什麼建議。
13:43
The important thing is to make sure you take at least two or three other steps with repairing and upgrading your pre-existing electronics before jumping to upgrading and replacing it.
重要的是，在跳到升級和更換之前，務必至少採取兩三個步驟來維修和升級你現有的電子產品。
13:52
It's not just for your phone or laptop.
這不僅適用於你的手機或筆記型電腦。
13:54
It's also a mentality that things are not meant to be temporary.
這也是一種心態，認為物品不是暫時性的。
13:58
They're meant to be used to their fullest capacity until you really feel the day-to-day pinch to get a new one.
它們應該被充分利用到極限，直到你真正感受到日常使用上的不便，才去購買新的。
14:04
Changing this mentality about your electronics is almost guaranteed to spill into other elements of your shopping decisions.
改變這種對電子產品的心態，幾乎肯定會影響你其他的購物決策。
14:10
And don't forget, every day that you get more use out of a product that you paid for, you decrease that cost per use down to pennies.
別忘了，你從已付費的產品中獲得的每多一天使用，都會將每次使用的成本降低到幾分錢。
14:16
Now some of these items I've talked about today you may have already spent money on.
今天我談到的一些物品，你可能已經花錢買了。
14:20
But don't feel bad about it.
但不要因此感到難過。
14:21
The point is not to beat yourself up over every little financial decision.
重點不是要為每一個小小的財務決策而苛責自己。
14:24
The point is to think hard about what is really worth it to you and what you're just tempted to buy because our brain loves shiny new things.
So as always, thank you for watching and don't forget to hit the subscribe button and to come back every Tuesday for new and awesome videos.
所以一如往常，感謝您的收看，別忘了點擊訂閱按鈕，並在每週二回來觀看新的精彩影片。
14:38
Bye!
再見！
9 Unnecessary Items You Think You Need To Buy | The Financial Diet
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📝 影片摘要
本單元由 The Financial Diet 的 Chelsea 主講，探討了九種你可能覺得需要購買，但從長遠來看卻是不必要的物品。影片旨在幫助觀眾減少衝動性消費，學會分辨真正的需求與一時的誘惑。內容涵蓋了從昂貴的運動器材、多餘的廚房小工具，到高度特定的食材、臃腫的有線電視套餐，以及過多的紙本儲存、高檔清潔用品、追求全新和完美搭配的家具電器，甚至是家中閒置的客廳空間，最後還有每年更新的手機或筆記型電腦。影片提供了許多實用的替代方案和消費建議，例如利用免費的居家運動資源、實踐「五次需求法則」來評估廚房用品的必要性、學習食材替代技巧、利用線上串流服務取代有線電視、將文件數位化、自製或購買萬用清潔劑補充包、在二手市場尋寶，以及延長電子產品的使用壽命等。核心理念是鼓勵觀眾以更明智、更節儉的方式消費，避免不必要的開支，並透過深思熟慮的購買決策來提升生活品質，同時減少浪費和購買後的後悔。
Thevideoadviseslearningtoroutinelyscanimportantdocumentsandstorethemdigitally, as 70-80% ofpapersdon'tneedphysicalversions, savingspaceandmakingthemaccessible.
