超半數美國人因錢不夠而失眠大綱
If money problems are keeping you up at night, you are not alone. A new survey from Bankrate shows that more than half (56%) of U.S. adults lose sleep at night over at least one money-related issue.
如果錢的問題讓你晚上失眠，你並不是孤身一人。銀率網的一項新調查顯示，超半數（56%）的美國成年人因爲至少一個有關錢的問題而在晚上失眠。Of those who are tossing and turning, 18% are doing so because of credit card debt, which is the No. 1 reason people are losing sleep, the survey found.
該調查發現，那些輾轉反側的人中，18%是因爲信用卡債務，這是使人們失眠的首要原因。This isn't surprising. Money is the second most common source of stress for Americans, according to a 2017 survey from the American Psychological Association (APA).
這並不奇怪。美國心理協會2017年進行的一項調查發現，錢是美國人第二常見的壓力來源。
And for both millennials and Gen Z, it's the most common source of stress overall, according to the APA's 2018 edition of the survey.
美國心理協會2018年進行的調查顯示，一般說來，錢是千禧一代及Z世代（95後）最常見的壓力來源。Women, parents, and children under the age of 18 are the most likely to lose sleep over credit card debt, according to the Bankrate report.
據銀率網報道，女性、父母以及未滿18歲的兒童最有可能因信用卡債務而失眠。
Survey respondents also said they are more likely to stress over credit card debt than other pressing matters, such as climate change, raising children, educational expenses, and stock market volatility.
調查的受訪者還表示，與氣候變化、撫養孩子、教育費用以及股票市場波動等其他緊迫事件相比，他們更可能因爲信用卡債務而倍感壓力。The good news? Survey respondents remain optimistic. Almost two-thirds (63%) of those struggling to get a good night's sleep due to money-related problems believe that things will get better and that they will be able to resolve their biggest issue.
好消息是？調查的受訪者依然樂觀。那些因爲與錢有關的問題而睡不好覺的人中，近三分之二（63%）的人相信，一切會變好的，而且他們可以解決最大的問題。If you stress over credit card debt, there are strategies to help make sure you spend responsibly and pay off your bills on time.
如果你因信用卡債務而倍感壓力，有幾種策略有助於確保你可靠地消費，並按時付清賬單。Priya Malani, a founding partner at Stash Wealth, recommends thinking about whether you can truly afford the items that you are buying before charging anything to your card.
儲備財富公司的聯合創始人普利亞·馬拉尼提議，在把帳記到卡上之前，考慮一下你是否真的買得起這些你打算購買的物品。"Remember, never put something on your credit card that you can't pay for in full when the statement is due, or else you're using your credit card to live a lifestyle you can't afford," Malani said.
“記住，永遠不要用信用卡購買那些賬單到期時你無法全額付清的物品，否則你就在用信用卡過一種你負擔不起的生活，”馬拉尼說道。
