The costs don’t just show up on bills, they also work quietly through psychology. The accumulation of spreads from frequent transactions is an "ant-moving" consumption, and the brain easily underestimates the total amount; those who are hijacked by sunk costs after floating losses use the tuition fees they have paid as a reason to continue making mistakes. This article analyzes these two types of hidden cost consumption and perception deviation, and provides management methods for frequency upper limit, periodic cost review, mechanical stop loss and cost diary.