大多数商店里都填满了闪亮耀眼、精巧复杂的小玩意让你分心——鲜艳的色彩、音乐、和那些“难以置信的服务”——这些都是为了迷惑我们、让我们掏腰包而设计的。
Most shops are filled with shiny, complicated distractions - bright colours, music and 'incredible offers' - designed to confuse us and open our wallets.
不足为奇的是：对于几年后才能享受到的好处，我们总是很难马上或很快就为其掏腰包。
Small wonder: it's always difficult to pay now, or soon, for benefits we won't enjoy until years in the future.
这些费用都从信用卡里垫付(或自掏腰包)，之后我们还必须在当年内还款——高利息还款。
This goes on credit CARDS (and around our waistlines), and we then must pay for this -with high interest -during the year.
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