Is there a kind of thing that you can’t put it down, you want to buy it, and you always think that the next one will be better;
Do you feel that doing something makes you very engaged, get a sense of accomplishment from it, and enjoy it? Have fun here;
In the closet full of friends, there are even more than a dozen pieces of clothes that have never been worn; there are countless brands and dazzling lipsticks on the dressing table.
Why is she so keen on beauty and lipstick? Don’t you feel bad about burning money if you’re crazy about buying and buying?
Here, we need to understand the pits set by the mental account for each of us.
It's not just that this friend fell into the pit of mental accounts, but the judges have also had similar experiences.
spent 800 yuan to buy a piece of clothing, but refused to pay 8 yuan for shipping;
shopping in supermarkets, but distressed for those two shopping bags;
thousands of takeout meals I didn’t make up enough to reduce and I was stuck;
What is a mental account? How does it work? Let's explore them one by one.
1. What is a mental account
The mental account was first proposed by , professor of behavioral science at the University of Chicago Richard Thaler, span_span23 span_span23 Therefore, the theory won the 2017 Nobel Prize in Economics.
Mental accounts say that people divide various expenditures or gains into different accounts in their minds, and these accounts are not interoperable most of the time.
It is said that the money for buying salt and the money for buying vinegar are properly distinguished.
To give an example for easy understanding, I bought a movie ticket for " Changjin Lake " for 50 yuan, and I accidentally lost it. I think twice, or go home and hold my mobile phone for comfort.
However, if I lose 50 yuan on the road, there is a high probability that it will not affect me spending another 50 yuan to buy a movie ticket.
The same loss of 50 yuan, why I still choose to buy another movie ticket, this is because the money for the movie ticket belongs to the "viewing account", and the lost change belongs to the "change account".
The value of money in different accounts is different, so it will make a big difference in our hearts and decide whether we want to spend or not. This is what people often say, "The money that should be spent cannot be less, and the money that should not be spent is not spent at all."
800 yuan of clothes, in line with my consumer psychological expectations, will not feel expensive, just buy it; 8 yuan shipping was originally not within my consumption expectations, now suddenly let me spend this money, of course not accept.
Do you see it, it is all money, but in our hearts, it is treated so unequally. Because of the existence of mental accounts, we cannot treat every dollar equally.
2. The use of mental accounts
Mental accounts were originally an important concept in behavioral economics .Because of its existence, it will make us make some irrational consumer behaviors.
However, in addition to its guiding value in consumption and financial management, it also has important significance in time planning.
Friends who have read my article know that there is a cook in my family and want to experience the feeling of a housewife. I can only catch the opportunity on weekends.
Not only does my husband know how to feel bad, but understand that I work harder than him every day, and take the initiative to take on more housework. It is also his mental account for cooking and cleaning up housework.
How to understand? The old rules, a plate of fragrant chestnuts.
Relatively speaking, girls generally like to go shopping, even if they go shopping aimlessly, the experience is that relaxing, cozy and even a little boring.
Boys, even shopping with their girlfriends and wives will feel like a waste of time, so they would rather choose to play games at home.
What is the difference between the two? Still mental accounts.
In fact, everyone has already assessed in their hearts that what they do will give them a sense of value and accomplishment. It is not a waste of time. On the contrary, when doing these things, they will feel that they have produced more Great value.
As a person who has an absolute advantage in gender and could have been more competent as a housewife, I think that things like cooking and cleaning the room are indeed a waste of time.
It is far less meaningful than I spend my time on reading, studying, and writing. The point is that doing housework makes me feel unfulfilled. I am proud of the excitement brought by the collision of thoughts and souls while communicating with everyone here.
This is not to say that housework is unnecessary,It is that everyone has already made calculations and specific arrangements based on time costs for different things, and placed each thing in a different mental account.
Is it a bit of an epiphany of the self back then, why do you fall asleep as soon as you listen to the get out of class, and you will not be tired after the class.
Of course, mental accounts are still very instructive in actual work and life.
3. My practical application of mental accounts
Two more representative examples, one is in the development of work habits, and the other is in the method of parent-child education.
I believe that everyone does not want to work overtime. Be a person with a strong sense of time. Improving efficiency during working hours will not only give you a sense of accomplishment, but also save more time beyond 8 hours to improve yourself.
The work pattern I have formed every day is to record the things to be done the next day in my notebook before I get off work the day before, and list them in order of priority, so that important things are not missed, and they are not missed. Arranged affairs.
For 20 years, I have persisted like this and cultivated my strong execution and efficient work habits. The departments under management are also strong in comprehensive ability, and we have common working habits and working modes.
My friends and I have a very high happiness index. Under a reasonable time arrangement, work and life are both correct. We not only experience the value and achievements brought by work, but also enjoy the rich and colorful life. .
is not that learning is useless, but you are useless, so you are useless. Use what you have learned, learning is useful.
Getting along with my daughter and mental accounts have also benefited me a lot.
My daughter is clever and clever. She just does things in a mess, she puts out her clothes and shoes, she forgot to take her red scarf, or she gave her water cup again.
is not only sloppy, but also inattentive. My colleague kindly comforted me: My daughter is big, and it’s a bit slow to transmit information to the brain. You are a mother, a little greedy, how can you account for everything. Although it feels like something is wrong, this flattery made me feel so crooked in an instant!
Once the shortcomings are targeted, it is difficult to change the stereotype, so the daughter is not less to be criticized and punished. Fortunately, this mental account provides the foundation for the harmonious relationship between our mother, kindness and filial piety.
My daughter especially likes to play the "fifth personality" game. Seeing her devotion, she seems to be isolated from the world. It makes it impossible to associate with sloppy homework and inattentiveness.
Especially after the promulgation of "anti-addiction", playing games is her unalienable right on weekends. Therefore, her time for playing games and weekends has long been secretly placed in her mental account.
Wisdom mother, all you need to do at this time is to make good use of the situation.
She will finish her homework consciously, take the initiative to finish all the things she should do in advance, and make way for playing games on the weekend.
Use mental accounts, manage your money bags, don’t make decisions blindly, and at the same time discover your interest points and directions that generate greater value.
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