Budgeting is the best way to get your spending under control, right? Behavioral scientist Wendy De La Rosa says there are actually better ways to limit your purchases — and get more satisfaction from them. Managing your money can feel scary and complicated, but it doesn’t have to be. In this TED series, behavioral scientist Wendy De La Rosa explains why we spend too much and save too little — and shares easy steps to help us achieve a more secure financial future.
予算を立てることは支出を管理するための最良の方法ですよね?行動科学者のウェンディ・デ・ラ・ロサ氏は、実際には購入を制限し、より高い満足感を得るもっと良い方法があると述べています。
お金の管理は怖くて複雑だと感じるかもしれませんが、必ずしもそうである必要はありません。この TED シリーズでは、行動科学者のウェンディ・デ・ラ・ロサが、なぜ私たちが浪費しすぎて貯蓄が少なすぎるのかを説明し、より安全な経済的未来を達成するための簡単な手順を紹介します。
| タイトル | Can’t stick to a budget? Try these tweaks instead 予算を守ることができないのですか？代わりにこれらの調整を試してください |
| アップロード | 2021年2月3日 |
| キャスト | ウェンディ・デ・ラ・ロサ |
予算を守ることができないのですか？代わりにこれらの調整を試してください（Can’t stick to a budget? Try these tweaks instead）の要約
予算管理の現実と問題点
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- 多くの人は予算を設定しても、数日や数週間で予算のことを忘れてしまい、支出の追跡をやめてしまう。
- 予算の大部分は家賃、電話代、車のローンなどの固定費に占められており、これらは大きな人生の決断をしない限り変えることができない。
外食の支出
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- 外食は、最も後悔する支出の一つであり、満足度が低い。外食よりも満足度が低い支出は銀行手数料くらいである。
- 金額ベースの予算（例：月に100ドル）ではなく、外食の回数を制限する「頻度予算」に焦点を当てることで、予算を守りやすくなる。
- 外食以外の社交活動（例：友達とピクニック、ワークアウトクラスに参加）を増やすことで、社交の欲求を満たしながら、支出を抑えることができる。
デリバリーサービスの支出
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- デリバリーアプリの利用者は、店内飲食者よりも7％から91％多くお金を使っている。これは、アプリに付随する雑多な手数料が積み重なるためである。
- デリバリーアプリをスマホから削除することが最も効果的。削除が過激すぎる場合は、少額のデビットカードにリンクさせる、購入ごとにアプリを削除するなど、購入のペースを遅らせる障害を設ける。
買い物の支出
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- 買い物を全くしないのではなく、幸福感をもたらすものに支出することを勧める。
- 他人にお金を使うこと、体験にお金を使うこと、時間を節約するものにお金を使うことが幸福感を高めると研究で示されている。
- 自分のためではなく、友達のために物を買ったり、寄付をしたりすることで、少額でも幸福感が増す。
- 新しい体験に投資することや、地元の高校生に芝を刈ってもらうなど、時間を節約するための支出も価値がある。
自由裁量の支出管理
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- 外食、デリバリーサービス、買い物などの自由裁量の支出に小さな変化を加えることで、支出を減らすだけでなく、支出から得られる幸福感や満足感を増やすことができる。
- これにより、罪悪感や後悔の少ない生活を実現することができる。
書き起こし
Let’s cut right to the chase: for most people, budgeting just doesn’t work.
[Your Money and Your Mind with Wendy De La Rosa] You maybe follow your budget for a few days or a few weeks, but soon, you forget about your budget and stop tracking the flow of your money. And there goes your budget. And that’s because of reality is, most of your budget is fixed. You can’t really do anything about it without making major life decisions. Your rent is your rent. Your phone bill is your phone bill. Your car payment is your car payment. But the focus of today is the fact that many people struggle with the little, ongoing, frequent purchases like eating out, delivery services or shopping.
So let’s tackle each one of those individually. First, let’s talk about eating out. In my research along with some colleagues, I found that eating out is one of the biggest financial regrets that people have. The only other expense that’s even less satisfying than eating out are bank fees! For eating out, instead of making a financial budget, where you tell yourself you’re only going to spend 100 dollars a month on eating out, let’s focus on what I call a “frequency budget” instead. So instead of focusing on the amount of money that’s much harder to track and sometimes even impossible to track, let’s focus on limiting the number of times that you go out to eat. You’ll have a much easier time saying no and tracking your budget.
Now, I understand that we are all social humans, and eating out is such a social activity. And if that’s what you’re craving, I have some tips to make sure you can hit two birds with one stone. Instead of eating out, go and have a picnic with friends, sign up for a workout class or do any of the hundred social activities that you can do without having to spend 50 to 70 dollars a night. If you plan it right, you can still satisfy your social craving and still save your wallet a lot of money.
Now let’s talk about delivery services. A recent investigation found that those who order through a delivery app end up spending anywhere from 7 percent to 91 percent more than those who dined in, thanks to the pile of miscellaneous charges and fees. In fact, the same item can be more expensive on the app than in the restaurant. Right now, you may be ordering out more frequently. One analysis found that with the addition of delivery apps, fast food is no longer something associated with a quick bite on the go. Given the added baggage that comes with these delivery apps, my top tip here is to delete the apps from your phone. Now, if deleting it is too permanent or too extreme, you can still change your environment by making as many speed bumps as you can, to slow down the pace of purchases. Maybe link the app to a debit card with a small preset amount of money. You can also delete the app after every purchase, so that it’s not enticing you at all hours.
Now let’s talk about shopping. Let me be clear: I’m not saying that you should never go shopping. What I am saying is that I encourage you to buy the things that bring you happiness. Research has shown that when you spend money on others, when you spend money on experiences and when you spend money on the things that save you time, these expenses make you happier. And I know retail therapy may seem great, but researchers have found that spending the same amount of money on someone else, even as little as 5 dollars can make you happier. So get that T-shirt for your friend instead of yourself. Make a donation to a place that you really love and support or buy an experience for yourself. Try something for the first time. And if you’re overwhelmed, and you’re burning the candle at both ends, know that it’s OK to invest in something that will free up your time. Hire a local high schooler to mow your lawn or get someone to clean your house. These may be a little pricey, but the time you save will be worth every penny.
By making these small changes to your discretionary spending, you can not only spend less but actually get more happiness and satisfaction from your spending. It can mean a life with fewer guilty pleasures and less regret. Now who wouldn’t want that?