{"id":14914,"date":"2020-12-26T03:08:10","date_gmt":"2020-12-26T03:08:10","guid":{"rendered":"https:\/\/www.lifescienceart.com\/?p=14914"},"modified":"2020-12-26T03:08:10","modified_gmt":"2020-12-26T03:08:10","slug":"the-psychology-of-money-how-cleanliness-affects-spending-habits","status":"publish","type":"post","link":"https:\/\/www.lifescienceart.com\/vi\/life\/personal-finance\/the-psychology-of-money-how-cleanliness-affects-spending-habits\/","title":{"rendered":"T\u00e2m l\u00fd h\u1ecdc c\u1ee7a ti\u1ec1n b\u1ea1c: S\u1ef1 s\u1ea1ch s\u1ebd \u1ea3nh h\u01b0\u1edfng th\u1ebf n\u00e0o \u0111\u1ebfn th\u00f3i quen chi ti\u00eau"},"content":{"rendered":"

T\u00e2m l\u00fd h\u1ecdc c\u1ee7a ti\u1ec1n b\u1ea1c: L\u00e0m th\u1ebf n\u00e0o s\u1ef1 s\u1ea1ch s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn th\u00f3i quen chi ti\u00eau<\/h2>\n\n

Gi\u1edbi thi\u1ec7u<\/h2>\n\n

M\u1ecdi ng\u01b0\u1eddi c\u00f3 xu h\u01b0\u1edbng th\u00edch nh\u1eefng t\u1edd \u0111\u00f4 la m\u1edbi tinh, s\u1ea1ch s\u1ebd h\u01a1n l\u00e0 nh\u1eefng t\u1edd c\u0169 k\u1ef9, b\u1ea9n th\u1ec9u. S\u1edf th\u00edch n\u00e0y kh\u00f4ng ch\u1ec9 l\u00e0 v\u1ea5n \u0111\u1ec1 th\u1ea9m m\u1ef9; n\u00f3 c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn th\u00f3i quen chi ti\u00eau c\u1ee7a ch\u00fang ta. C\u00e1c nghi\u00ean c\u1ee9u \u0111\u00e3 ch\u1ec9 ra r\u1eb1ng m\u1ecdi ng\u01b0\u1eddi c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng gi\u1eef nh\u1eefng t\u1edd ti\u1ec1n m\u1edbi, s\u1eafc n\u00e9t h\u01a1n l\u00e0 ti\u00eau ch\u00fang \u0111i nhanh ch\u00f3ng, trong khi ti\u1ec1n m\u1eb7t b\u1ea9n th\u00fac \u0111\u1ea9y chi ti\u00eau nhanh h\u01a1n.<\/p>\n\n

C\u01a1 ch\u1ebf c\u1ea3m x\u00fac \u0111\u1ea9y v\u00e0 k\u00e9o<\/h2>\n\n

C\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t “c\u01a1 ch\u1ebf c\u1ea3m x\u00fac \u0111\u1ea9y v\u00e0 k\u00e9o” th\u00fac \u0111\u1ea9y h\u00e0nh vi n\u00e0y. M\u1ecdi ng\u01b0\u1eddi c\u00f3 c\u1ea3m gi\u00e1c gh\u00ea t\u1edfm khi c\u1ea7m nh\u1eefng t\u1edd ti\u1ec1n b\u1ea9n, c\u0169 v\u00ec h\u1ecd li\u00ean t\u01b0\u1edfng ch\u00fang v\u1edbi s\u1ef1 l\u00e2y nhi\u1ec5m t\u1eeb ng\u01b0\u1eddi kh\u00e1c. Ng\u01b0\u1ee3c l\u1ea1i, h\u1ecd t\u1ef1 h\u00e0o khi s\u1edf h\u1eefu nh\u1eefng t\u1edd ti\u1ec1n m\u1edbi, s\u1eafc n\u00e9t c\u00f3 th\u1ec3 ti\u00eau \u1edf b\u1ea5t c\u1ee9 \u0111\u00e2u m\u00e0 kh\u00f4ng c\u1ea3m th\u1ea5y x\u1ea5u h\u1ed5.<\/p>\n\n

Ph\u1ea3n \u1ee9ng c\u1ea3m x\u00fac n\u00e0y t\u1ea1o ra hi\u1ec7u \u1ee9ng \u0111\u1ea9y v\u00e0 k\u00e9o trong vi\u1ec7c chi ti\u00eau. Khi m\u1ecdi ng\u01b0\u1eddi c\u00f3 nh\u1eefng t\u1edd ti\u1ec1n kh\u00f4ng mong mu\u1ed1n, h\u1ecd c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng ti\u00eau ch\u00fang \u0111i nhanh ch\u00f3ng \u0111\u1ec3 tho\u00e1t kh\u1ecfi c\u1ea3m gi\u00e1c gh\u00ea t\u1edfm kh\u00f3 ch\u1ecbu. M\u1eb7t kh\u00e1c, khi h\u1ecd c\u00f3 nh\u1eefng t\u1edd ti\u1ec1n m\u1edbi, t\u01b0\u01a1i, h\u1ecd c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng gi\u1eef ch\u00fang l\u1ea1i, v\u00ec h\u1ecd c\u00f3 \u0111\u01b0\u1ee3c c\u1ea3m gi\u00e1c t\u1ef1 h\u00e0o v\u00e0 h\u00e0i l\u00f2ng khi s\u1edf h\u1eefu ch\u00fang.<\/p>\n\n

S\u1ef1 gh\u00ea t\u1edfm v\u00e0 n\u1ed7i s\u1ee3 b\u1ecb \u00f4 nhi\u1ec5m<\/h2>\n\n

S\u1ef1 kh\u00f3 ch\u1ecbu \u0111\u1ed1i v\u1edbi nh\u1eefng t\u1edd ti\u1ec1n c\u0169 kh\u00f4ng ho\u00e0n to\u00e0n v\u00f4 l\u00fd. Nghi\u00ean c\u1ee9u \u0111\u00e3 ch\u1ec9 ra r\u1eb1ng khi C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang Hoa K\u1ef3 lo\u1ea1i m\u1ed9t t\u1edd ti\u1ec1n kh\u1ecfi l\u01b0u th\u00f4ng, th\u01b0\u1eddng kh\u00f4ng ph\u1ea3i v\u00ec n\u00f3 \u0111\u00e3 c\u0169 m\u00e0 v\u00ec “h\u00e0m l\u01b0\u1ee3ng \u0111\u1ea5t” c\u1ee7a n\u00f3 qu\u00e1 cao, ngh\u0129a l\u00e0 n\u00f3 ch\u1ee9a qu\u00e1 nhi\u1ec1u vi khu\u1ea9n.<\/p>\n\n

N\u1ed7i s\u1ee3 b\u1ecb \u00f4 nhi\u1ec5m n\u00e0y c\u00f3 th\u1ec3 l\u00e0 \u0111\u1ed9ng l\u1ef1c ti\u1ec1m th\u1ee9c th\u00fac \u0111\u1ea9y s\u1edf th\u00edch c\u1ee7a ch\u00fang ta \u0111\u1ed1i v\u1edbi nh\u1eefng t\u1edd ti\u1ec1n s\u1ea1ch. Ch\u00fang ta c\u00f3 th\u1ec3 r\u1ea5t s\u1ee3 khi ngh\u0129 \u0111\u1ebfn vi\u1ec7c c\u1ea7m nh\u1eefng t\u1edd ti\u1ec1n \u0111\u00e3 qua s\u1eed d\u1ee5ng \u0111\u1ea7y vi tr\u00f9ng \u0111\u1ebfn n\u1ed7i ch\u00fang ta th\u00e0 v\u1ee9t ti\u1ec1n \u0111i c\u00f2n h\u01a1n l\u00e0 m\u1ea1o hi\u1ec3m ti\u1ebfp x\u00fac v\u1edbi \u0111\u00e1m \u0111\u00f4ng b\u1ea9n th\u1ec9u v\u00f4 danh \u0111\u00e3 c\u1ea7m ti\u1ec1n tr\u01b0\u1edbc ch\u00fang ta.<\/p>\n\n

T\u00e1c \u0111\u1ed9ng c\u1ee7a l\u01b0u th\u00f4ng ti\u1ec1n t\u1ec7<\/h2>\n\n

M\u1ed9t t\u1edd ti\u1ec1n l\u01b0u th\u00f4ng c\u00e0ng l\u00e2u th\u00ec c\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng t\u00edch t\u1ee5 b\u1ee5i b\u1ea9n, vi khu\u1ea9n v\u00e0 c\u00e1c ch\u1ea5t g\u00e2y \u00f4 nhi\u1ec5m kh\u00e1c. Qu\u00e1 tr\u00ecnh l\u01b0u th\u00f4ng n\u00e0y c\u0169ng c\u00f3 th\u1ec3 l\u00e0m h\u1ecfng v\u1ebb ngo\u00e0i c\u1ee7a t\u1edd ti\u1ec1n, khi\u1ebfn ch\u00fang tr\u1edf n\u00ean k\u00e9m h\u1ea5p d\u1eabn h\u01a1n khi c\u1ea7m gi\u1eef.<\/p>\n\n

Do \u0111\u00f3, m\u1ecdi ng\u01b0\u1eddi c\u00f3 xu h\u01b0\u1edbng chi ti\u00eau nh\u1eefng t\u1edd ti\u1ec1n c\u0169, c\u0169 h\u01a1n nhanh h\u01a1n nh\u1eefng t\u1edd ti\u1ec1n m\u1edbi, s\u1ea1ch h\u01a1n. H\u00e0nh vi n\u00e0y gi\u00fap ti\u1ec1n t\u1ec7 l\u01b0u th\u00f4ng tr\u00f4i ch\u1ea3y v\u00e0 ng\u0103n ng\u1eeba t\u00ecnh tr\u1ea1ng t\u00edch t\u1ee5 nh\u1eefng t\u1edd ti\u1ec1n qu\u00e1 b\u1ea9n ho\u1eb7c h\u01b0 h\u1ecfng.<\/p>\n\n

Nh\u1eefng l\u1ee3i \u00edch v\u1ec1 m\u1eb7t t\u00e2m l\u00fd c\u1ee7a nh\u1eefng t\u1edd ti\u1ec1n m\u1edbi<\/h2>\n\n

Ngo\u00e0i nh\u1eefng l\u1ee3i \u00edch v\u1ec1 m\u1eb7t c\u1ea3m x\u00fac v\u00e0 thi\u1ebft th\u1ef1c c\u1ee7a nh\u1eefng t\u1edd ti\u1ec1n s\u1ea1ch, s\u1edf h\u1eefu v\u00e0 chi ti\u00eau ch\u00fang c\u0169ng c\u00f3 th\u1ec3 mang l\u1ea1i m\u1ed9t s\u1ed1 l\u1ee3i \u00edch v\u1ec1 m\u1eb7t t\u00e2m l\u00fd. Nh\u1eefng t\u1edd ti\u1ec1n m\u1edbi, s\u1eafc n\u00e9t c\u00f3 th\u1ec3 th\u00fac \u0111\u1ea9y l\u00f2ng t\u1ef1 tr\u1ecdng c\u1ee7a ch\u00fang ta v\u00e0 khi\u1ebfn ch\u00fang ta c\u1ea3m th\u1ea5y t\u1ef1 tin h\u01a1n v\u00e0 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n\n

Khi ch\u00fang ta ti\u00eau m\u1ed9t t\u1edd ti\u1ec1n m\u1edbi, s\u1eafc n\u00e9t, ch\u00fang ta c\u0169ng c\u00f3 th\u1ec3 tr\u1ea3i nghi\u1ec7m c\u1ea3m gi\u00e1c h\u00e0i l\u00f2ng v\u00e0 th\u00e0nh t\u1ef1u. \u0110\u00e1p \u1ee9ng c\u1ea3m x\u00fac t\u00edch c\u1ef1c n\u00e0y c\u00f3 th\u1ec3 c\u1ee7ng c\u1ed1 s\u1edf th\u00edch c\u1ee7a ch\u00fang ta \u0111\u1ed1i v\u1edbi nh\u1eefng t\u1edd ti\u1ec1n s\u1ea1ch v\u00e0 khuy\u1ebfn kh\u00edch ch\u00fang ta ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau th\u00f4ng minh h\u01a1n.<\/p>\n\n

K\u1ebft lu\u1eadn<\/h2>\n\n

\u0110\u1ed9 s\u1ea1ch c\u1ee7a ti\u1ec1n c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn th\u00f3i quen chi ti\u00eau c\u1ee7a ch\u00fang ta. M\u1ecdi ng\u01b0\u1eddi th\u00edch gi\u1eef nh\u1eefng t\u1edd \u0111\u00f4 la m\u1edbi tinh, s\u1ea1ch s\u1ebd h\u01a1n l\u00e0 ti\u00eau ch\u00fang \u0111i nhanh ch\u00f3ng, trong khi ti\u1ec1n m\u1eb7t b\u1ea9n th\u00fac \u0111\u1ea9y chi ti\u00eau nhanh h\u01a1n. H\u00e0nh vi n\u00e0y \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi m\u1ed9t “c\u01a1 ch\u1ebf c\u1ea3m x\u00fac \u0111\u1ea9y v\u00e0 k\u00e9o” li\u00ean quan \u0111\u1ebfn c\u1ea3m gi\u00e1c gh\u00ea t\u1edfm v\u00e0 t\u1ef1 h\u00e0o. N\u1ed7i s\u1ee3 b\u1ecb \u00f4 nhi\u1ec5m v\u00e0 nh\u1eefng l\u1ee3i \u00edch v\u1ec1 m\u1eb7t t\u00e2m l\u00fd c\u1ee7a nh\u1eefng t\u1edd ti\u1ec1n m\u1edbi c\u0169ng \u0111\u00f3ng m\u1ed9t vai tr\u00f2 trong s\u1edf th\u00edch c\u1ee7a ch\u00fang ta \u0111\u1ed1i v\u1edbi ti\u1ec1n t\u1ec7 s\u1ea1ch.<\/p>","protected":false},"excerpt":{"rendered":"

T\u00e2m l\u00fd h\u1ecdc c\u1ee7a ti\u1ec1n b\u1ea1c: L\u00e0m th\u1ebf n\u00e0o s\u1ef1 s\u1ea1ch s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn th\u00f3i quen chi ti\u00eau Gi\u1edbi thi\u1ec7u M\u1ecdi ng\u01b0\u1eddi c\u00f3 xu h\u01b0\u1edbng th\u00edch nh\u1eefng t\u1edd \u0111\u00f4…<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6717],"tags":[5453,19943,19944,19945,19946],"class_list":["post-14914","post","type-post","status-publish","format-standard","hentry","category-personal-finance","tag-consumer-behavior","tag-behavioral-economics","tag-money-psychology","tag-psychology-of-spending","tag-cleanliness-and-spending"],"_links":{"self":[{"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/posts\/14914","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/comments?post=14914"}],"version-history":[{"count":1,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/posts\/14914\/revisions"}],"predecessor-version":[{"id":14915,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/posts\/14914\/revisions\/14915"}],"wp:attachment":[{"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/media?parent=14914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/categories?post=14914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/tags?post=14914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}