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更新时间:2017/10/12 13:37:56 来源:本站原创 作者:佚名

Why so many people overspend on their holidays

Esta Shah always plans a fun activity for the day following her holiday. It’s not a coping strategy to combat the back-to-work blues – rather, it’s a budgeting trick she says prevents her from wild overspending.

伊斯塔·沙阿(Esta Shah)总是为假期结束后的第二天规划有趣的活动。这么做不是为了应对节后综合征——这其实是一种预算技巧,为的是避免自己挥霍无度。

Knowing the fun will continue when you get back “keeps you from spending on [unnecessary] things during the last days of vacation to keep the fun going,” says Shah, a marketing professor at the University of Cincinnati.

沙阿是辛辛那提大学(University of Cincinnati)的市场营销教授,她表示,如果知道度假归来后快乐仍将继续,"就能避免你在假期最后几天购买不必要的东西。"

Continuing the fun post-holiday keeps her from chasing happiness while on holiday because she knows it’s awaiting her back home. Ultimately, it allows her to spend more wisely during the days she’s travelling rather than splurging on items she doesn’t need just before she flies home.


Collective blindspot


Many people return from holidays to higher-than-expected credit card bills. In the US, the overspend can represent a serious chunk of household income: 74% of Americans admitted falling into debt of more than $1,100 after returning from a holiday, according to a 2017 survey by personal finance website Learnvest.

度假归来之后,很多人的信用卡账单都会超出预期。在美国,超支可能在家庭收入中占据相当大的比例:根据财经网站Learnvest 2017年进行的一项调查,74%的美国人都承认在度假回来后会背负超过1,100美元的债务。

In the UK, many travellers spend an average of £532 ($718) per person even before they’ve  left the country – on anything from duty-free shopping to trip-related clothing, according to research from the Association of British Travel Agents.

根据英国旅行社协会(Association of British Travel Agents)的研究,英国有很多旅行者甚至在离开自己的国家之前,人均花费就达到了532英镑(718美元)——包括从免税商品到与行程相关的服装等各种消费。

“I have worked with a lot of people who have no problems in their financial life – except on vacation,” says Brad Klontz, a psychologist and financial adviser in Hawaii who works with clients on spending.

"我服务过的很多对象在自己的财务生活中从来都不出问题——只有度假的时候才是例外。"心理学家兼财务顾问布拉德·克隆茨(Brad Klontz)说,他专门为客户提供开支方面的建议。

Hard cash


So why do people lose control of their spending when travelling?


There are a host of subconscious reasons behind spending more on holiday and it’s difficult to keep them in check, says Klaus Wertenbroch, marketing professor at INSEAD business school’s Singapore campus.

INSEAD商学院新加坡校区市场营销教授克劳斯·沃腾布拉赫(Klaus Wertenbroch)表示,度假期间的花费之所以会增加,其实是许多潜意识因素在作怪。

For one, currency differences can trick you into feeling you have more money to spend when abroad, says Wertenbroch.


A 2007 paper he co-authored found that that the nominal (face) value of money affects how people perceive its real value: if you’re in a country where the face value of the foreign currency is a fraction of your home currency, you’re likely to spend more.


For example, if you’re travelling from Canada to Indonesia, your one Canadian dollar is worth roughly 10,800 rupiah. You’re more likely to overspend with a wallet stuffed with high-denomination bills, Wertenbroch says, because doing currency conversions on the fly is mentally taxing – you’re more likely to make a biased evaluation in favor of the face value, rather than the real value, of the price posted in the foreign currency.


‘Malleable mental accounting’


Travellers can be susceptible to setting unrealistic budgets that are either too low or too high because of so-called “malleable mental accounting,” which increases the tendency to spend, points out Shah. That’s because we are likely to justify our spending based on present circumstances rather than sticking to a strict budget to control spending.


For example, if you budgeted spending only $100 per day on holiday, you can spend another $30 on food by categorising food as an everyday purchase rather than strictly holiday spending. As a result, people justify that they can actually spend an extra $30 on food without recognising that they are already spending more than they do back home. “Your budgets are not as good as you think they are – things fall apart based on your motivations,” she says.


And conservative budgets don’t always work either, adds Shah. For example, setting aside $1,000 for a weeklong trip, realising you’ve allocated too much money to spend and still had $500 left over on the last day, makes it easier to splurge on the day prior to flying home, according to Shah’s research. “When you put together those rounded figures [via a budget], that creates a ‘licensing’ effect,” which provides a mental excuse to spend more money, she explains.


Feeling pressed for time in a now-or-never type of situation can also influence your spending, says Deepak Chhabra, an associate professor at Arizona State University who specialises in tourism.

专门研究旅行问题的亚利桑那大学(Arizona State University)副教授迪帕克·察布拉(Deepak Chhabra)表示,在机不可失的环境中面临压力,也会对你的开支产生影响。

Whether it’s finding a one-of-a-kind holiday souvenir or splurging on dinner, “you are viewing life from a short-term perspective and can get carried away,” says Chhabra. Where you’re from can affect how much time you have to spend on holiday – a 2016 study by travel site Expedia found those from the US, Japan and South Korea are less likely to use all their holiday leave than Europeans. Chhabra thinks those with less time per year for holidays could be more eager to take the plunge when it comes to spending.


Viewing friends’ trips via social media can inspire a sort of FOMO (fear of missing out) that can influence especially younger travellers to overspend because they tend to value experiences more than other generations, says Chhabra.


The pull of seeing acquaintances spend money on travel can often be a more powerful motivator to spend more while travelling than seeing an advertisement, she says. “You want to be on par with what [others] are doing,” she says.


So what should you do?


Rather than creating a budget based on what you’re planning to spend, treat your holiday like you would daily life, recommends Shah.


Get acquainted with the currency and how much items cost prior to the trip. Reading about transport, food and entertainment costs can make prices seem more familiar once you’re actually on the trip. Set up a daily – rather than a weekly – budget based on your research of how much you expect to pay for food, transport, activities and anything else you plan to purchase while traveling so it’s easier to track.


Finally, attempt to pay for the holiday within a short period of time; incurring flight and lodging expenses over a few months makes it easy to lose track of how much you’ll spend on each portion, adds Shah.