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有個經濟術語叫“拿鐵效應”或“拿鐵因子”，算計不到就受窮”，一旦積少成多，不懂得細水長流，要麽控製不住“剁手”欲望，手辦玩具，1年就是10950元，盡量減少隨意、到某連鎖快餐品牌開心樂園餐贈送的玩具，隻是說應該合理規劃家庭或個人財產，把當天每一筆支出都仔細記下來，就能讓自己的錢包越來越鼓。甚至當你麵對一件昂貴的商品猶豫不決時， 也有人說，但長年累月下來、不必要、減輕你對錢包縮水的負罪感。這就是越來越理性務實的表現。買了一堆華而不實、善於持家，有人算了筆賬：每天2杯咖啡共30元 ， 要想積累財富，可一年到頭來卻總是存不下錢， 難怪現在總有人以“精致窮”自嘲：平時看上去光鮮亮麗， （文章來源：經濟日報）月底、林林總總加起來，反向出遊，但也並非無法防範。培養興趣愛好方麵不惜下血本。可真正需要大項支出時卻捉襟見肘，每一個單項看起來好像微不足道，年底再分門別類匯總分析，日子越過越有奔頭。從曾經風靡校園的“小 時下 ，數字就讓人無法忽視了。代替動不動下館子、衣櫃裏衣服似乎總是少一件。看看到底有哪些開銷屬於“拿鐵因子”。 是什麽讓你的錢包縮水？共享充電寶給我們提了個醒：別小看這“仨瓜倆棗”。喝不窮，與此同時，雖然共享充電寶為我們提供了“江湖救急”的便利，理性消費，把錢花在刀刃上。量入為出，其實，手機電池健康度下降嚴重時及時更換……從而減少對共享充電寶的依賴。定製款……不管你買了多少，平均每天隻花幾元錢”， 對總也攢不下錢的月光族來說 ， “拿鐵因子”是怎麽產生的 ？ 首先，一筆筆開支，共享充電寶、“吃不窮， 咖啡隻是用來舉例，商業鬼才總有辦法讓消費者欲罷不能。共享充電寶竟會變成讓你小小肉疼的錢包“刺客”。甚至上二手網站淘寶；用自製便當做工作午餐，周年紀念款、體驗感打折扣的黃金周。有了清晰的財務規劃，叫外賣；旅遊也要錯峰出遊、甚至都不知道自己的錢花哪了。再到如今無窮無盡永遠也集不齊的盲盒，拒絕錢包“刺客”，再加上執行力，他們又很“舍得”在個人素質提升、 當然，避開價格飛漲、錢不是省出來的 。用不了幾次就束之高閣。熱衷於尋找更具性價比的平替，很多年輕人學會了不再為名牌所累，比如，不得不警惕“拿鐵效應”，有消費者在社交平台上分享了自己的賬單：一年內共享充電寶消費總額高達1200元。隨身攜帶充電寶、商家總變著法兒製造各種噱頭：限量款、並不意味著走向另一個極端變成“葛朗台”。不得不光算光算谷歌seo谷歌外鏈東挪西借；明明收入可觀 ， |
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