金錢畸形是一種新的財務現象，促進魯ck的支出和焦慮

生活成本的危機和社交媒體正在推動一種新的財務現象 - 貨幣畸形。

The cost-of-living crisis and social media are fuelling a new financial phenomenon - money dysmorphia.

生活成本的危機和社交媒體正在推動一種新的財務現象 - 貨幣畸形。

Searches have rocketed by more than 135 per cent in the last year for the term, which refers to a disconnect between someone’s cashflow reality and perception of their budget.

去年，該學期的搜索已超過135％，這是指某人的現金流現實與預算的看法之間的脫節。

According to the experts, money dysmorphia can cause real panic around finances, triggering anxiety which could contribute towards irrational spending behaviours.

據專家說，金錢畸形可能會引起財務狀況的真正恐慌，從而引發焦慮，這可能有助於非理性的支出行為。

Christie Cook, from Hodge Bank, says: “With social media fuelling unrealistic comparisons and constant negative news about the cost-of-living crisis, it’s no surprise that many people are experiencing financial anxiety.

霍奇銀行（Hodge Bank）的克里斯蒂·庫克（Christie Cook）說：“隨著社交媒體助長了不現實的比較和關於生活成本危機的持續負面新聞，許多人都遇到財務焦慮也就不足為奇了。

“Those that suffer with money dysmorphia can demonstrate extremely unhealthy spending habits. Some people overspend, believing they have more money than they do - it can lead to racking up debt on credit cards and overdrafts, potentially landing themselves in financial difficulty.

“那些遭受金錢畸形的人可以表現出極度不健康的消費習慣。有些人超越了，他們認為他們的錢比他們更多的錢 - 可​​能導致在信用卡和透支上增加債務，並有可能陷入財務困難中。

“On the other hand, some may become overly frugal as they feel the need to make some serious cut-backs. They may avoid small expenses like going out for a meal, even if they can afford it, as they’re financially insecure and worry that their savings aren’t as high as they need to be.”

“另一方面，有些人覺得有必要做出一些嚴重的削減，因為他們可能會避免少量費用，例如外出吃飯，即使他們負擔得起，因為他們在財務上不安全，並且擔心他們的儲蓄不如需要。”

But how can you work out if you are suffering from money dysmorphia and how do you tackle it? Christie is on hand to help.

但是，如果您患有金錢畸形，如何解決呢？克里斯蒂（Christie）在場幫助。

CASHFLOW WOE

現金流禍

DO you always have money on the mind? If so you could be suffering from the phenomenon according to the expert.

你總是有錢嗎？如果是這樣，您可能會遭受現象的折磨。

Christie says: “The most obvious way to recognise if you suffer from Money Dysmorphia is by worrying about money too much when there is no immediate danger, such as losing assets or heading into bankruptcy.

克里斯蒂（Christie）說：“認識到您是否患有金錢的最明顯方法是，當沒有直接危險時，要過多地擔心錢，例如失去資產或破產。

“If checking your bank balance causes you stress or panic, or you feel guilty about how much you earn or save, then this could be a trait of Money Dysmorphia.

“如果檢查銀行餘額會引起您的壓力或恐慌，或者您對收入或節省多少感到內gui，那麼這可能是金錢畸形的特徵。

“If these feelings sound familiar, it’s useful to research or speak to a therapist about.”

“如果這些感覺聽起來很熟悉，那麼研究或與治療師說話很有用。”

PAY YOUR WAY

付錢

RECKLESS spending habits are not always about splurging on yourself. It’s worth keeping an eye on all your transactions.

魯ck的支出習慣並不總是要揮霍自己。值得關注您的所有交易。

The expert said: “If you’re often covering the costs for other people, such as buying them lunch, or offering to take them places when you can’t afford to, this could be a sign that you’re suffering from Money Dysmorphia.

專家說：“如果您經常承擔其他人的費用，例如購買午餐，或者在負擔不起時願意將他們帶到他們的位置，這可能表明您患有金錢的畸形。

“Equally, if you avoid bank statements or dealing with financial issues, then you could be in denial about how much you’re spending - ignorance isn’t always bliss, especially if it means you’re paying interest or late fees by ignoring these.”

“同樣，如果您避免銀行聲明或處理財務問題，那麼您可能會否認自己花了多少錢 - 無知並不總是幸福，特別是如果這意味著您忽略了這些費用或延遲費用。”

MONEY MOODS

金錢心情

KEEPING an eye on your emotions when it comes to your finances is important.

在財務狀況方面，請注意您的情緒很重要。

While it’s completely normal to have some worries and react to big budget blows, being overwhelmed by the smaller things can be a sure sign of struggling, the expert explains.

專家解釋說，雖然有些擔憂並應對大型預算打擊是完全正常的，但被較小的事情不知所措可能是掙扎的肯定跡象。

Christie said: “Does an unexpected expense like a parking fine ruin your entire week, even when you can afford to pay it?

克里斯蒂說：“即使您負擔得起付款，就像停車場一樣的意外費用會破壞您的整個星期嗎？

“Or do you feel undeserving of financial success, and pay-rises?

“還是您對財務上的成功和薪水的不滿意？

“These excessive emotional reactions to money are a major trait of Money Dysmorphia.”

“這些對金錢的過度情感反應是貨幣畸形的主要特徵。”

And once you recognise you have an issue you can tackle it.

一旦您意識到自己有一個問題，就可以解決。

IN THE PAST

在過去

WHAT has happened in your financial past can have a big bearing on how you feel about money, whether it’s your own debts or how your family has dealt with their cashflow.

您的財務過去發生的事情可能與您對金錢的看法，無論是自己的債務或您的家人如何處理他們的現金流。

Christie said: “Growing up around people, such as parents, who suffered financial hardship can shape attitudes into your adulthood.

克里斯蒂（Christie）說：“圍繞遭受經濟困難的父母等人長大，可以塑造成成年的態度。

“It’s important to recognise your own worth and how your finances are different.

“認識到自己的價值以及您的財務狀況不同很重要。

“Meanwhile, if you’ve experienced bankruptcy or finance fraud in the past, it can leave you feeling more anxious about dealing with money, even if your financial situation is now stable or there’s no immediate risk.”

“同時，如果您過去經歷了破產或金融欺詐，即使您的財務狀況現在穩定或沒有立即風險，也可能會使您更加焦慮地處理金錢。”

DEEP IN DEBT

債務深處

A BUSY Scots mum who found herself nearly £15,000 in credit card debt has revealed how she realised she was suffering from money dysmorphia.

一個繁忙的蘇格蘭媽媽發現自己近15,000英鎊的信用卡債務已經透露了她如何意識到自己患有金錢畸形。

Amy, from Clydebank, near Glasgow, says she hit a low point when she couldn’t even afford to get a vital piece of dental work.

來自格拉斯哥附近克萊德班克的艾米說，當她甚至負擔得起重要的牙科工作時，她達到了低點。

The careers advisor, 35, says she realised she had a problem when she couldn’t afford to get a bit of dental work done that she really wanted.

現年35歲的職業顧問說，她意識到，當她負擔不起做一些她真正想要的牙科工作時，她遇到了問題。

Amy, mum to two girls, eight and six, told how she started getting on top of her finances last year after slashing her food bill and making other changes.

艾米（Amy），媽媽對兩個女孩（八歲和六歲）講述了她如何在削減食物賬單並進行其他更改後於去年開始成為財務狀況。

She said: “I had gone back to uni and did a postgrad in careers guidance so once I got into that professional job I was like ‘I should be able to afford this and that’. I’d just buy things and say I’d worry about it later.

她說：“我回到了Uni，並在職業指導中讀了一名專業，所以一旦我從事這份專業工作，我就像是'我應該負擔得起，那'。我只是買東西，然後說我以後會擔心。

“The reality was one of my teeth crumbled

“現實是我的牙齒之一