人们坦承会瞒着另一半偷偷花钱

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🤔️小作业：

1. Why does the article include two experts (Ms Suter and Ms Bain)?

A. To provide contrasting perspectives on the causes and consequences of secret spending

B. To offer identical financial advice from two separate professionals

C. To show that experts unanimously view secret spending as irresponsible

D. To demonstrate that secret spending has become legally regulated

无注释原文：

People admit to 'secret spending' without telling partners

From: BBC

British adults are hiding their outgoings on things like beauty products, gambling and cryptocurrencies from their partners as part of a pattern of "secret spending", a new report has found.

More than half of adults in relationships spent in secret on a range of products, according to the research by investment platform AJ Bell and pollster Opinium.

The survey of 4,000 adults showed that men, on average, spent £2,545 without their partner's knowledge in the past year.

By contrast, women spent an average of £1,769 in secret, the survey found.

The most common secret purchase for men and women was clothing - with it being a purchase for 20% of men and 35% of women.

For women in relationships, beauty products were the next most common, with a quarter saying they had secretly bought them.

Men said their most common secret spend after clothing was on vices such as cigarettes and alcohol, with a fifth (19%) saying they had made the purchases without telling their partner.

Men were also found to be more likely to use their cash for gambling or to send gifts to friends and family without telling their partners.

Gen Z, those born between 1997 and 2012, are more secretive with their spending than older generations, with an average of £4,303 in the past year.

Those over 55, meanwhile, spent an average of just £384 in secret over the same period.

AJ Bell's personal finance director Laura Suter said a bit of secret spending "might sound harmless" but could potentially highlight "a much bigger issue around how couples manage, discuss and plan their finances".

She said money being spent in secret could make it "difficult to budget properly or plan for longer-term goals like buying a home, building an emergency pot or saving for retirement".

Ms Suter warned that gaps between what people say they are spending and what they are actually spending is "likely to be one of the quickest routes to financial friction in a couple".

She added: "Ultimately, you don't have to report every time you buy a coffee or get your nails done to your partner, but major costs, recurring habits or anything that risks derailing a joint financial plan should be on the table."

And finance expert Iona Bain said couples maintaining a degree of financial independence can be "very sensible".

But Ms Bain warned some partners hide spending from each other "because they have failed to be honest about their values and priorities at an early stage, and they know deep down that their partner wouldn't approve".

"This kind of behaviour is understandable but it actually creates more conflict in the long run because it's impossible to do things like buy a house together or have children without being honest about how you spend your money," she added.

- ◆ -

注：完整题目见本文开头；中文文本为BBC官方译文，仅供参考

含注释全文：

People admit to 'secret spending' without telling partners

From: BBC

British adults are hiding their outgoings on things like beauty products, gambling and cryptocurrencies from their partners as part of a pattern of "secret spending", a new report has found.

一项新报告发现，英国成年人正在对伴侣隐瞒自己在美容产品、赌博和加密货币等方面的开销，这是一种“秘密消费”模式的一部分。

outgoings /ˈaʊtˌɡəʊ.ɪŋz/ 表示“（定期支出的）开支，开销”，英文解释为“amounts of money that regularly have to be spent, for example to pay for heating or rent”

cryptocurrency  /ˈkrɪptoʊkɜːrənsi/ 表示“（公共网络的，而非政府发行的）加密电子货币（使用加密法确保付款安全支付及收取）”，实际就是加密货币，英文解释为“a digital currency produced by a public network, rather than any government, that uses cryptography to make sure payments are sent and received safely”，如：cryptocurrencies such as bitcoin 诸如比特币一类的加密电子货币。

More than half of adults in relationships spent in secret on a range of products, according to the research by investment platform AJ Bell and pollster Opinium.

根据投资平台“AJ Bell”和民意调查机构“Opinium”的研究，超过一半处于恋爱关系中的成年人会在各种产品上进行秘密消费。

pollster /ˈpəʊl.stər/ 表示“民意调查者，民意测验经办人；民意测验主办人”，英文解释为“a person who does opinion polls”

The survey of 4,000 adults showed that men, on average, spent £2,545 without their partner's knowledge in the past year.

这项针对4,000名成年人的调查显示，在过去一年中，男性在伴侣不知情的情况下平均花费了2,545英镑。

By contrast, women spent an average of £1,769 in secret, the survey found.

调查发现，相比之下，女性的秘密消费平均为1,769英镑。

The most common secret purchase for men and women was clothing - with it being a purchase for 20% of men and 35% of women.

对男性和女性而言，最常见的秘密消费项目都是服饰——有20%的男性和35%的女性表示自己曾在这方面花钱不告诉伴侣。

For women in relationships, beauty products were the next most common, with a quarter saying they had secretly bought them.

对有伴侣的女性来说，美容产品是其次最常见的秘密消费项目，四分之一的女性表示自己曾偷偷购买这类产品。

Men said their most common secret spend after clothing was on vices such as cigarettes and alcohol, with a fifth (19%) saying they had made the purchases without telling their partner.

男性表示，除了服装之外，他们最常见的秘密消费是购买香烟和酒精等不良嗜好，五分之一（19%）的男性表示他们曾经瞒着伴侣购买过这些商品。

vice /vaɪs/ 作名词，表示“堕落，邪恶；不良习气，恶习”，英文解释为“a moral fault or weakness in someone's character”举个🌰：My one real vice (= bad habit) is chocolate. 我一个真正的恶习就是爱吃巧克力。

Men were also found to be more likely to use their cash for gambling or to send gifts to friends and family without telling their partners.

研究还发现，男性更有可能将现金用于赌博，或者在不告诉伴侣的情况下向亲友送礼。

Gen Z, those born between 1997 and 2012, are more secretive with their spending than older generations, with an average of £4,303 in the past year.

相较于年长世代，Z世代（1997至2012年间出生的人）在消费方面更为“神祕”，他们在过去一年中的秘密消费平均为4,303英镑。

Gen Z /ˌdʒen ˈzed/ 表示“Z世代（Generation Z的缩写，指1990年代后期和2000年代前期出生的人）”，英文解释为“short for Generation Z : a way of referring to the group of people who were born in the late 1990s and early 2000s.”

Those over 55, meanwhile, spent an average of just £384 in secret over the same period.

与此同时，55岁以上人群在同一期间的秘密花费平均仅为384英镑。

AJ Bell's personal finance director Laura Suter said a bit of secret spending "might sound harmless" but could potentially highlight "a much bigger issue around how couples manage, discuss and plan their finances".

“AJ Bell”的个人理财总监罗拉·苏特（Laura Suter）表示，少量的秘密消费“听起来或许无伤大雅”，但也可能凸显出“伴侣之间在如何管理、讨论及规划财务方面存在更大的问题”。

highlight /ˈhaɪ.laɪt/ 作动词，表示“使引起注意，强调”，英文解释为“to attract attention to or emphasize something important”举个🌰：The report highlights the need for improved safety. 那份报告强调了加大安全力度的重要性。

作名词，表示“最精彩的部分”，英文解释为“the best or most exciting, entertaining, or interesting part of something”举个🌰：Highlights of the match will be shown after the news. 比赛的精彩部分将在新闻之后播出。

📍2024美国大选首场辩论后，有Reddit网友评论称，选择不看直播，只等第二天的highlights，另一位网友回复，没有highlights，只有lowlights.

She said money being spent in secret could make it "difficult to budget properly or plan for longer-term goals like buying a home, building an emergency pot or saving for retirement".

她表示，偷偷花钱可能会让“准确制定预算，或规划购房、建立应急基金以及为退休储蓄等长期目标变得困难”。

budget /ˈbʌdʒ.ɪt/ 作动词，表示“制订预算，计划（开支）”，英文解释为“to plan how much money you will spend on something”举个🌰：An extra $20 million has been budgeted for schools this year. 今年学校预算增加了2000万英镑。

作名词，表示“预算”，英文解释为“the money that is available to a person or an organization and a plan of how it will be spent over a period of time”如：a big-budget movie 一部巨额预算的电影。

表示“（某种用途的）容器”，英文解释为“a container of various kinds, made for a particular purpose”如：a coffee pot 咖啡壶。

pots of sth表示“大量的…”，英文解释为“a large amount of something”举个🌰：She's got pots of money (= she's very rich). 她很有钱。

在这句话中，“pot”是一个英式英语中常见的非正式表达，意思是“一笔钱”或“资金”。building an emergency pot就是指“积攒一笔应急资金”，相当于美式英语中更常用的“emergency fund”。“pot”在这里形象地比喻像一个“罐子”（存钱罐），你把钱一点点存进去，形成一个特定用途的资金池。

Ms Suter warned that gaps between what people say they are spending and what they are actually spending is "likely to be one of the quickest routes to financial friction in a couple".

苏特女士警告称，人们声称的花费与实际花费之间的差距，“很可能是导致夫妻财务摩擦最快的途径之一”。

friction /ˈfrɪk.ʃən/ 1）表示“（观点不同者之间的）摩擦，不和”，英文解释为“disagreement or unfriendliness caused by people having different opinions”举个🌰：There's a lot of friction between my wife and my mother. 我妻子和我母亲之间有很多龃龉。

2）表示“摩擦力；摩擦”，英文解释为“the force that makes it difficult for one object to slide along the surface of another or to move through a liquid or gas”举个🌰：When you rub your hands together the friction produces heat. 揉搓双手时，摩擦会产生热量。

She added: "Ultimately, you don't have to report every time you buy a coffee or get your nails done to your partner, but major costs, recurring habits or anything that risks derailing a joint financial plan should be on the table."

她补充道：“归根结底，你不需要每次买咖啡或做美甲都向伴侣汇报，但重大开销、经常性的习惯消费，或任何可能破坏共同财务计划的事情，都应该拿出来讨论。”

derail /dɪˈreɪl/ 1）表示“打乱（原定计划）；阻挠”，英文解释为“To derail something such as a plan or a series of negotiations means to prevent it from continuing as planned.”举个🌰：Renewed fighting threatens to derail the peace talks. 重燃的战火对和谈构成了威胁。

2）表示“脱轨”，英文解释为“If a train is derailed or if it derails, it comes off the track on which it is running.”举个🌰：At least two people were killed when a train was derailed in an isolated mountain region. 火车在一片偏僻的山区脱轨，导致至少两人死亡。

📺美剧《24小时》（24）第八季中的台词提到：but the allegations alone could derail the peace process. 但光这谣言就能破坏和谈进程。

🎬电影《超级8》（Super 8）第八季中的台词提到：How could a pick-up truck derail a train? That's impossible. 一辆卡车怎么能让整个火车脱轨 不可能啊。

And finance expert Iona Bain said couples maintaining a degree of financial independence can be "very sensible".

金融专家艾奥娜·贝恩（Iona Bain）则表示，夫妻双方保持一定程度的财务独立可能是“非常明智的”。

But Ms Bain warned some partners hide spending from each other "because they have failed to be honest about their values and priorities at an early stage, and they know deep down that their partner wouldn't approve".

但贝恩女士也警告，有些伴侣互相隐瞒开销，“是因为他们未能在早期阶段坦诚地交流各自的价值观和优先事项，而且他们内心深知伴侣不会认同这些花费”。

"This kind of behaviour is understandable but it actually creates more conflict in the long run because it's impossible to do things like buy a house together or have children without being honest about how you spend your money," she added.

“这种行为虽可理解，但长远来看实际上会制造更多冲突，因为如果不诚实交代花钱方式，就不可能共同完成买房或生儿育女等大事，”她补充说。

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