1, past life of credit card
Credit cards were born in the United States in the 1940s. At that time, supermarkets issued membership cards in order to promote goods and stimulate consumption. Users can use this membership card to shop in the supermarket. One feature of this membership card is that it can be credited, that is, it can be paid after consumption. This is the originator of credit cards. Credit cards have played an important role in the history of American economic development, stimulating domestic demand and stimulating consumption. It can consume in advance, avoid the waste of things produced by factories and play an important role in resource allocation. The main feature of credit card is that it can be spent without money. Everyone likes this convenience and benefits.
From 65438 to 0986, China Bank issued the first credit card that can be used all over the country-Great Wall Card, which started the development of credit cards in China. By 2000, the circulation of credit cards had increased rapidly. It is estimated that by 2020, the cumulative number of credit cards issued by banks in China may exceed 1, 654,380+billion.
2. Credit card debt data of young people
According to the statistics of HSBC, Haier Consumer Finance and Rong360, the post-90s group debt ratio is as high as 1.850%, and the per capita debt is about1.2000, accounting for 43.48% of the consumer loan group, and the total debt is nearly 22 trillion! After 90, it became the main force of overdraft consumption.
Various consumer loans are flying all over the sky. Is it good or bad to give young people a "poor and exquisite" life?
We should look at this problem from a neutral point of view. In the short term, credit card consumption benefits the country and the people. On the one hand, stimulate consumption, stimulate domestic demand and promote economic growth. After all, consumption is one of the troika (consumption, investment and export) that drives economic growth; On the other hand, young people can spend in advance without money, such as buying a car and a house in advance and enjoying life in advance.
As long as consumption is stimulated, the economy will operate normally. Because one person's consumption expenditure is another person's income. Without consumption, the factory will not expand production, and if the work does not expand production, we will not find a job, and finally there will be no source of income. The owner of the physical store has no income and can't afford the rent, which eventually leads to economic depression. This is consumption in advance, which is beneficial to the country from a macro perspective.
3. How does excessive consumption ruin the lives of young people?
What happens if a person earns three or four thousand yuan a month and has a credit card debt of 50 thousand? The minimum monthly repayment is 5,000 yuan or 2,000 to 3,000 yuan. At this time, he will continue to make money desperately to pay interest. He tries to make money every month, but he will never pay off these debts. Maybe it's finished, and when the consumption level goes up, the bank will give him100000 credit card again. He can't help spending money again. As a result, I earned four or five thousand yuan a month, but in the end I couldn't buy a car or a house. You can't invest. In five or ten years, your youth will be gone, and you will have nothing. Who made the money? It is earned by banks, factories and enterprises. So has our happiness index improved? Are you happy looking at these bills every day? I don't think so. A young man living in China has a car, a house and a happy family. But these young people don't pay attention to it, so they overdraw their credit cards, become slaves, dare not start a business, dare not fall in love, have no money to invest, and pay back their credit cards every month. Then this young man is almost useless.
Maybe you will often hear the following sentence:
Only by spending money can you make money;
Smart women are willing to spend money on themselves;
Money is not saved, it is earned.
The biggest problem with these concepts is: specious, that is, giving people who spend too much money a reason.
So young people buy it in buy buy with a little money. As soon as I get paid, I will go to Taobao and eat out. As a result, a month's salary was spent in a week. Finally, there is no money to buy a house, get married or invest. In most wealthy families in the United States, only 30% of monthly income is used for living expenses, while 70% is used to buy assets, such as housing and financial products.
In China, on the contrary, most young people spend 100% of their income on expenses, or even use credit cards to overdraw their consumption. Only a few people save 30% of their income.
Many people still think that money is not saved, but earned. Of course, money is earned. The more you earn, the better. The more you earn and spend, the more you can't afford to buy a house. This is not good. Ordinary people can't make a lot of money to buy a house at once. How much should I save to buy a house?
Years, plus patchwork can be down payment.
If there is no principal, you can only look at the ocean and sigh when you encounter investment opportunities.
The biggest difference between the poor and the rich is that the rich see opportunities and have investment capital, but the poor just can't catch up. They sighed, "If only I had money." Let me take the fund as an example. When the market drops to 245 1 in February, 2065,438+08, you can buy the fund directly if you have funds, and the income will be over 80% after one year. If you have 200 thousand, you can nearly double it a year. This is the greatest advantage of the rich. If a young college graduate saves 2000 yuan a month and 24000 yuan a year. I graduated at the age of 22 and saved up for ten years. By the age of 32, I will have 240 thousand. If I can manage half of my money, it may be almost 300 thousand in ten years. So many people are poor at the age of 30, not because their income is not high, but because they will not get rich slowly. They always want to make a lot of money at once, but it's impossible.
Saving money has the following advantages:
First, accumulate venture capital.
Second, accumulate a little down payment for buying a car and a house.
Third, accumulate principal for investment and financial management.
Fourth, unemployment or emergency funds.
Fifth, save money for bride price.
Sixth, with deposits, you can better accumulate credit lines.
Therefore, young people must not overdraw the line, resulting in debt and no money to save, but also pay that high interest every month, day after day, year after year. Finally, no car, no house and no wife.
Young people must know how to delay consumption.
According to Maslow's demand theory, the lowest basic needs of human beings are physiological needs, such as food, water, air, sex and so on. The poor sometimes fail to meet these basic needs. As a result, the poor often can't control their food needs. For example, if a rich man drinks a cup of coffee for 50 yuan, he doesn't have to restrain himself from spending it. Because he doesn't need to save this money, but the poor are different. Poor people can't help drinking this cup of coffee. As a result, the poor are poor because they often spend this little money.
Let me give you another example. Rich people go to KTV to sing casually for one night, spending 500 thousand to 600 thousand. He thinks it's normal. It's normal to spend the money. He doesn't need to resist these temptations. But the poor are different. If the poor man doesn't resist these temptations, his life will be ruined. For example, a young man earns three or four thousand yuan a month. If he can't resist these temptations, he will get paid in less than a week, spend all his money, swipe his credit card and eventually become poorer. And the rich face these temptations, he doesn't need to control at all, because these are small money.
So it is difficult for the poor to become rich, because there are too many temptations and they don't know how to delay consumption. If you don't know how to make money, then take part of the investment and spend it when you earn more, but spend your monthly income on some entertainment consumption.
Having said that, you should know how to become rich. While trying to make money, you should learn to save money, and then Qian Shengqian, not how much money you earn and spend.