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Answer

Today’s young people have an average debt of 130,000. You may not believe this number, but it is indeed the average debt per person born in the 1990s nationwide. Basically, everyone owes money to credit cards, Alipay, Huabei, etc. According to the "Report on the Debt Situation of Young People in China", there are 175 million people born in the 1990s nationwide, and nearly 60% of the people born in the 1990s have substantial debts, and this proportion is even higher among people with high education and high salaries.

With the popularity of the concept of advanced consumption, today's young people have begun to learn to use overdraft credit to enjoy life. Many young people use tomorrow's money to do today's things. Use Huabei to eat and spend money first, and then slowly pay off the previous debts after your salary is paid.

Data shows that 86.6% of young people are using credit products, and nearly half have no savings.

Moreover, most young people nowadays shop online. The money they spend online seems to be just a number, without any actual concept, and it is spent very quickly. In addition, the wages of young people who have just started working are not high, so they can only borrow money to spend.

Different from those born in the 1970s and 1980s, those born in the 1990s have more channels to borrow money. With the popularity of credit products, they have become more convenient to use. As long as you have basic authentication information, the money will arrive in your account. This has caused more and more young people to become addicted to excessive consumption and become heavily in debt.

Moreover, many young people nowadays are confused by material things and do not make much money, but they have a serious comparison mentality. My monthly income is 3,000, but I want to travel abroad and carry designer bags. On the road to pursuing material comfort, one can only watch debts increase. In fact, moderate consumption is very desirable, but excessive consumption is a wrong behavior.

In addition to excessive consumption, there is another very important reason, which is home loans and car loans. Nowadays, a house has become a necessity, and if you want to have a place to stay in a big city where you have struggled for many years, the whole family often needs to work together. Nowadays, many young people have their parents pay the down payment and pay the mortgage themselves.

A mortgage payment alone often takes up most of a month’s salary. Coupled with car loans and living consumption expenses, it is not surprising that young people will have debts.

If you want to avoid debt, you can only make more money. It would be great if you can have an income outside of work that is easy and profitable and reduces the stress of life.

I was 26 years old. In 1994, I once had a debt of nearly 100,000 yuan. That period was definitely a dark moment in my life. Why did I owe so much money? The reason was that I did not dare to face up to my family situation. My own situation may be that I have been afraid of poverty since I was a child, and have always wanted but could not get it. Therefore, after graduating from college, I started to pretend to be fat and consume things that I could not afford.

It started from a trip to Thailand. I made an appointment with Fa Xiao and it was difficult to go back on it. At that time, my salary was only 2,500 yuan per month. In order to pay the 5,000 yuan tour fee in advance, I borrowed a credit card and paid it back when I came back. If you can't afford it, make installments. I got a taste of traveling, so when I was short of money, I "borrowed" money from my credit card to travel. In the end, the snowball grew bigger and bigger, and the installments became more and more.

Later I changed jobs and my salary rose to 4,000 yuan. I don’t know where I got the confidence. I felt that I could pay off the debt quickly, so I went to the gym and hired a personal trainer for 7,000 yuan. It happened to be At this time, the boss of the company ran away due to unpaid wages. My planned repayment plan was completely disrupted. In the end, I had to borrow credit card money to pay off this month's debt. At that time, there was only one principle, that is, it should not be overdue. I knew that overdue would have a big impact. In the end, I couldn't survive any longer, so I packed my bags and went home.

Later, I got back a few months’ salary through my own efforts, but I still didn’t regret it at the time. In order to make my family believe that I was capable, I lived a good life outside. When I came home during the Chinese New Year, I spent money lavishly, giving pocket money to my grandparents and paying homage to them by buying things, so it actually didn’t make any difference to my debt. Later I came to Chongqing to work, and I often entertained friends, and I paid for all the food, drinks, and entertainment, which led to Arrears reached a peak.

There are two opportunities for repentance:

1. The girls around me began to buy houses, with deposits of hundreds of thousands or hundreds of thousands, and I began to panic;

2. When I get older, I want to get married. Because my family conditions are average, I am afraid that others will look down on me, so I start to panic.

Later, my salary increased slightly, and I invested all the money almost every month to pay off credit cards, borrow and spend. Until September 27, 2020, I had a deposit of 10,000 yuan. Maybe for others, my repayment speed is too slow, but I also have to admit my mediocrity, and I still can't change my habit of buying beautiful clothes and cosmetics, even though I try to lower my standards.

You have to ask me if I am tired in the past few years. I am really tired, not because of repayment, but because compared to my friends who have assets around me, I am still empty-handed, which makes me very tired. But if you ask me if I regret it, I don’t regret it either. I lived the life I wanted while I was young. Since I started working, I haven’t had to pay a penny with my family. I earned all the money by myself, so I don’t feel guilty either. Apart from being a little ashamed that I didn’t save any money, no matter what kind of experience it was, it was still rewarding. I hope that I can pursue success and save a lot of money in the future.

Until now, I don’t have a credit card, I have never used Huabei, I don’t want to owe other people money, and I can’t sleep if I owe other people money,

Credit cards and Huabei are the same every month. What you owe will never stop [laughing awkwardly], but as long as you pay it back every month, it is normal to owe credit cards and Huabei. Now is the era of advance consumption, but you still need to have an estimate and plan for your income and expenses.

Nowadays, most young people owe money to Huabei and credit cards. Anyway, I really owe it. Huabei is almost 5,000, credit cards add up to 70,000, and transportation is 15,000. , Guangfa 7000, China Merchants 26000, and CITIC 25000. Sometimes it’s scary to think about it. I owe so much money, but I can repay it normally every month, and I can still make a small amount of money after paying it off, because in You can make money by purchasing on behalf of Quanmin Foreign Trade, and the profit in 30 days can reach 1.2%. Basically, you can earn about 1,000 yuan every month. Can pay it back in time. And because this platform is extremely stable, this is also a pretty good thing.

As for the money I earn every day, I basically save it to subsidize my family, and I also buy some large things, such as home decoration, buying a house, buying a car, etc., all of which are basically used by me. It's good to save your own money so that neither party is wasted.

Out of 10 people, six and a half are in debt

This is a good question. Except for 1% of people, probably all of them owe money

Me! I advise you not to use your card to support your card!

32 years old, in 1989, I once had a debt of nearly 100,000. That period was definitely a dark moment in my life. Why did I owe so much money? The reason was that I did not dare to face my family situation. My own situation may be that I have been afraid of poverty since I was a child, and I have always wanted but could not get it, so I want to change myself, and I want to have what others have.

It started from a friend who made an appointment to go to a construction site. At that time, my salary was only 3,500 yuan per month. In order to make more money, I believed him and borrowed a credit card and For online loans, my friend said at the time that he would not be in trouble at the critical moment. I believed him and lent the money. At that time, I was naive and naive, and I still didn't know how to repent. No matter how my friends tried to persuade me, I still insisted on going my own way, which led to me being deceived and even counting money for others. I regret it so much now that I called and said there was nothing I could do. I didn’t mean that when I said there was nothing I could do. Then I stopped answering the phone and now that friend is missing and can’t be found. Now I work on my own to earn money to pay off the debt. I have paid off part of it and plan to pay it all off this year.

There are two opportunities for repentance:

1. Friends around me are starting to buy houses, and some are buying cars. Even children younger than me are good at saving money. Hundreds of thousands, hundreds of thousands, I started to panic;

2. I am older, and I still behave like this. Thinking about half my life, because my family conditions are average, and I am afraid that others will look down on me, I start to panic.

Perhaps for others, my repayment speed is too slow, but I also have to admit my mediocrity.

If you ask me if I am tired in the past few years, I am really tired. It is not because of the repayment, but because compared to my friends who have assets around me, I am still empty-handed, which makes me very tired. But if you ask me if I regret it, I regret it even if I say I don’t regret it. I don’t regret it even if I say I regret it. After all, life would be boring without experiencing ups and downs. I also thank him for teaching me a lesson, which has benefited me a lot. Since I started working, I haven’t asked for a penny from my family. I earned all the money myself, so I don’t feel guilty. Apart from being a little ashamed that I didn’t save any money, no matter what kind of experience it was, it was still rewarding. , I hope I can take advantage of the victory and save a lot of money in the future. Come on, come on...

As far as I know, especially young people, 80 to 90 percent of people owe credit cards and Huabei because they are easy to use and they don’t owe any favors. Merchants allow credit cards to stimulate consumption, and banks issuing credit cards is also a disguised form of lending. However, everything must be done in a mode. Excessive consumption is not good. Many people fall into the situation of paying cards for cards all year round due to excessive consumption. If they are a little careless or use the card improperly, their overall score will be insufficient, and they will suddenly suffer a drop. If the loan is overdue or the card is blocked, you will be caught off guard and unprepared, which will lead to overdue payments, which will affect your credit score and make you unable to get loans for future house purchases. The consequences are still serious. Therefore, when using a card, you must leave some room. Leave at least 20% of the credit limit on each card in case of emergency. Once it is used up, you need to stop it quickly and keep your ideas in mind, otherwise you will not be able to get away from the black account. Far away.