Financial experts are recommending a 48-hour waiting period to help people reduce unplanned spending.

財務專家建議採取 48 小時等待期，以幫助人們減少非計劃性支出。

Kara Gammell from MoneySuperMarket defines impulse spending as buying things without thinking first, which is often caused by a sudden desire or the ease of online shopping. To combat this, she suggests the '48-hour rule.' This method creates a deliberate delay in the buying process. By waiting two days between choosing an item and actually paying for it, consumers have time to think logically. Consequently, they may realize that the purchase is unnecessary or a waste of money.

MoneySuperMarket 的 Kara Gammell 將衝動消費定義為在未經思考的情況下購買物品，這通常是由於突然的欲望或網路購物的便捷所引起。為了對抗這一現象，她建議採用「48 小時原則」。這個方法在購買過程中創造了刻意的延遲。透過在選擇商品與實際付款之間等待兩天，消費者有時間進行邏輯思考。因此，他們可能會意識到該項購買是不必要的或浪費金錢。

From a psychological point of view, Matthew Sheeran from Money Wellness emphasizes that moving from reactive to conscious spending improves mental health and gives people more control over their money. He asserts that these strategies are not about denying oneself pleasure, but rather about matching daily habits with long-term financial goals. This is especially important today, as 'one-click' shopping makes it much easier to give in to temptation. Furthermore, other helpful methods include the 'stranger test'—where you decide if you would prefer the product or the same amount in cash—and using apps like Emma to track spending habits compared to other people.

從心理學角度來看，Money Wellness 的 Matthew Sheeran 強調，從反應性消費轉向自覺消費能改善心理健康，並讓人們對自己的資金擁有更多控制權。他主張這些策略並非要否認自身的樂趣，而是要將日常習慣與長期財務目標相匹配。在現今「一鍵購物」使人更容易屈服於誘惑的時代，這一點尤為重要。此外，其他有效的方法包括「陌生人測試」——即決定你更傾向於擁有該產品還是同等金額的現金——以及使用像 Emma 這樣的應用程式來追蹤並比較他人的消費習慣。

Using time delays and tracking tools helps people replace impulsive shopping with more intentional financial management.

利用時間延遲與追蹤工具，有助於人們將衝動購物轉化為更具意識的財務管理。