你曾经后悔买过东西吗?

In today’s world of online shopping, have you ever made a purchase you regret? If so, you’re not alone – seeing as the average American spends over $2,000 a year on purchases they come to regret.

在如今的网络购物时代，你曾经后悔买过东西吗?如果是这样的话，你并不孤单——因为美国人平均每年在他们后悔的购物上花费超过2000美元。

A study of 2,000 Americans examining their spending habits and behaviors found the average respondent spends $202.34 a month on unnecessary purchases ‒ that’s a whopping $2,429.16 a year.

一项针对2000名美国人的调查显示，受访者平均每月花202.34美元在不必要的消费上，也就是每年2429.16美元。

It was also revealed 76 percent are guilty of making an impulse purchase. Of those, it only takes the average respondent nine hours before regret over a whimsical buy sets in.

调查还显示，76%的人因冲动购买而有罪。其中，一般受访者只需9个小时，就会对异想天开的购买行为感到后悔。

That’s not all ‒ three in four (76 percent) admitted to making financial decisions that they wish they could take back.

这还不是全部——四分之三(76%)的人承认他们在做财务决定时希望能够收回这些决定。

Conducted by OnePoll on behalf of First Internet Bank, member FDIC, the survey found that 38 percent still think they’re “very good” with money.

由OnePoll公司代表第一网络银行(FDIC)进行的这项调查发现，38%的受访者仍然认为自己“很会理财”。

In spite of thinking they’ve got their finances under control, 59 percent have hidden the cost of the items they’ve purchased from others.

尽管认为自己的财务状况已经得到了控制，59%的人还是会隐瞒从别人那里购买商品的成本。

And 56 percent revealed they’ve hidden purchases from family and friends out of pure embarrassment.

56%的人表示，他们向家人和朋友隐瞒购物行为，纯粹是出于尴尬。

One of the central things that encourages people to overspend is online shopping. Sixty-four percent think they’d save a lot of money if they stopped shopping on the internet.

网上购物是导致人们过度消费的主要原因之一。64%的人认为如果他们停止在网上购物可以省下一大笔钱。

Results found that the average person would save $103.55 a month if they didn’t make non-essential purchases online.

结果发现，如果不进行不必要的网上购物，每个人平均每月可以节省103.55美元。

Of those who’ve made an impulse buy, the most common instinctive purchase were “clothes I don’t need” (49 percent).

在那些冲动购物的人中，最常见的本能购物是“不需要的衣服”(49%)。

Other top spends that people made off the cuff included: ordering in food/drinks (39 percent), big ticket technology like laptops or televisions (37 percent), shoes (35 percent) and small ticket technology like chargers or headphones (35 percent).

人们即兴消费的其他主要支出还包括:点餐/点饮料(39%)、买笔记本电脑或电视(37%)等高价位科技产品、买鞋(35%)、买充电器或耳机等低价位科技产品(35%)。

“What makes online shopping so attractive in today’s world – convenience and immediate gratification – also are what make them prime contributors to buyer’s remorse,” noted First Internet Bank Chief Operating Officer Nicole Lorch.

第一网络银行首席运营官尼科尔•洛奇指出:“是什么让网购在当今世界如此具有吸引力——便利和即时满足——同时也让它们成为买家后悔的主要因素。”

There are definitely certain times and places that prompt more impulsive buys. Fifty-two percent admitted to making purchases on a whim.

在某些特定的时间和地点，人们肯定会冲动购物。52%的人承认曾一时兴起购物。

Boredom or a late night out (both 44 percent) will increase the likelihood of an impulse buy going through. Others blamed their last-minute spends on their insomnia (36 percent).

无聊或深夜外出(两者都占44%)会增加冲动购物的可能性。还有36%的人将最后的冲动花费归咎于失眠。