金钱畸形是一种新的财务现象，促进鲁ck的支出和焦虑

生活成本的危机和社交媒体正在推动一种新的财务现象 - 货币畸形。

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

生活成本的危机和社交媒体正在推动一种新的财务现象 - 货币畸形。

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，该学期的搜索已超过135％，这是指某人的现金流现实与预算的看法之间的脱节。

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

据专家说，金钱畸形可能会引起财务状况的真正恐慌，从而引发焦虑，这可能有助于非理性的支出行为。

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.

霍奇银行（Hodge Bank）的克里斯蒂·库克（Christie Cook）说：“随着社交媒体助长了不现实的比较和关于生活成本危机的持续负面新闻，许多人都遇到财务焦虑也就不足为奇了。

“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.

“那些遭受金钱畸形的人可以表现出极度不健康的消费习惯。有些人超越了，他们认为他们的钱比他们更多的钱 - 可​​能导致在信用卡和透支上增加债务，并有可能陷入财务困难中。

“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，有些人觉得有必要做出一些严重的削减，因为他们可能会避免少量费用，例如外出吃饭，即使他们负担得起，因为他们在财务上不安全，并且担心他们的储蓄不如需要。”

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，如果您患有金钱畸形，如何解决呢？克里斯蒂（Christie）在场帮助。

CASHFLOW WOE

现金流祸

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

你总是有钱吗？如果是这样，您可能会遭受现象的折磨。

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）说：“认识到您是否患有金钱的最明显方法是，当没有直接危险时，要过多地担心钱，例如失去资产或破产。

“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.

“如果检查银行余额会引起您的压力或恐慌，或者您对收入或节省多少感到内gui，那么这可能是金钱畸形的特征。

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

“如果这些感觉听起来很熟悉，那么研究或与治疗师说话很有用。”

PAY YOUR WAY

付钱

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

鲁ck的支出习惯并不总是要挥霍自己。值得关注您的所有交易。

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.

专家说：“如果您经常承担其他人的费用，例如购买午餐，或者在负担不起时愿意将他们带到他们的位置，这可能表明您患有金钱的畸形。

“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.”

“同样，如果您避免银行声明或处理财务问题，那么您可能会否认自己花了多少钱 - 无知并不总是幸福，特别是如果这意味着您忽略了这些费用或延迟费用。”

MONEY MOODS

金钱心情

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

在财务状况方面，请注意您的情绪很重要。

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.

专家解释说，虽然有些担忧并应对大型预算打击是完全正常的，但被较小的事情不知所措可能是挣扎的肯定迹象。

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

克里斯蒂说：“即使您负担得起付款，就像停车场一样的意外费用会破坏您的整个星期吗？

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

“还是您对财务上的成功和薪水的不满意？

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

“这些对金钱的过度情感反应是货币畸形的主要特征。”

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

一旦您意识到自己有一个问题，就可以解决。

IN THE PAST

在过去

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.

您的财务过去发生的事情可能与您对金钱的看法，无论是自己的债务或您的家人如何处理他们的现金流。

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

克里斯蒂（Christie）说：“围绕遭受经济困难的父母等人长大，可以塑造成成年的态度。

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

“认识到自己的价值以及您的财务状况不同很重要。

“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.”

“同时，如果您过去经历了破产或金融欺诈，即使您的财务状况现在稳定或没有立即风险，也可能会使您更加焦虑地处理金钱。”

DEEP IN DEBT

债务深处

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.

一个繁忙的苏格兰妈妈发现自己近15,000英镑的信用卡债务已经透露了她如何意识到自己患有金钱畸形。

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.

来自格拉斯哥附近克莱德班克的艾米说，当她甚至负担得起重要的牙科工作时，她达到了低点。

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.

现年35岁的职业顾问说，她意识到，当她负担不起做一些她真正想要的牙科工作时，她遇到了问题。

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），妈妈对两个女孩（八岁和六岁）讲述了她如何在削减食物账单并进行其他更改后于去年开始成为财务状况。

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.

她说：“我回到了Uni，并在职业指导中读了一名专业，所以一旦我从事这份专业工作，我就像是'我应该负担得起，那'。我只是买东西，然后说我以后会担心。

“The reality was one of my teeth crumbled

“现实是我的牙齿之一