超半数美国人因钱不够而失眠

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.

如果钱的问题让你晚上失眠，你并不是孤身一人。银率网的一项新调查显示，超半数（56%）的美国成年人因为至少一个有关钱的问题而在晚上失眠。

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.

该调查发现，那些辗转反侧的人中，18%是因为信用卡债务，这是使人们失眠的首要原因。

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).

这并不奇怪。美国心理协会2017年进行的一项调查发现，钱是美国人第二常见的压力来源。

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.

美国心理协会2018年进行的调查显示，一般说来，钱是千禧一代及Z世代（95后）最常见的压力来源。

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.

据银率网报道，女性、父母以及未满18岁的儿童最有可能因信用卡债务而失眠。

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 .

调查的受访者还表示，与气候变化、抚养孩子、教育费用以及股票市场波动等其他紧迫事件相比，他们更可能因为信用卡债务而倍感压力。

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？调查的受访者依然乐观。那些因为与钱有关的问题而睡不好觉的人中，近三分之二（63%）的人相信，一切会变好的，而且他们可以解决最大的问题。

If you stress over credit card debt, there are strategies to help make sure you spend responsibly and pay off your bills on time.

如果你因信用卡债务而倍感压力，有几种策略有助于确保你可靠地消费，并按时付清账单。

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.

储备财富公司的联合创始人普利亚·马拉尼提议，在把帐记到卡上之前，考虑一下你是否真的买得起这些你打算购买的物品。

"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.

“记住，永远不要用信用卡购买那些账单到期时你无法全额付清的物品，否则你就在用信用卡过一种你负担不起的生活，”马拉尼说道。