The influence of advanced consumption on young people and its countermeasures. Nowadays, most people pay by mobile phone. For digital information, many people begin to consume without concept, which also leads to the situation of exceeding consumption. The following effects of consumption in advance on young people and their countermeasures.
The influence of consumption ahead of time on young people and its countermeasures 1 Nowadays, young people are basically in debt before they graduate from college. Why? At school, the living expenses given by parents are basically not enough for him to play games, invite people to dinner, socialize, fall in love and pick up girls. Many people are in debt behind their backs, so it will be revealed that many college students have been deeply involved in campus loans in recent years.
In addition, after graduating from college, there are a group of people who are too high to be low and can't find suitable jobs. In this process, they don't want to reach out and ask their parents for money. Many people brush all kinds of credit cards and online loans to survive, and some people enter the workplace after graduating from college, only to find that they have not saved any money and still owe a debt. There are many places worth pondering.
China youth debt report pointed out that. At present, only 13.4% of our young people are in debt, and the rest are heavily indebted, with a per capita debt of130,000. Such a good age, such a good life, but burdened with heavy debts, what are the reasons for debt? There are two aspects.
1 On the one hand, people are influenced by consumerism and advanced consumption, their income is not high, and the value they provide is not much, but they want to obtain or match the material life outside their income.
Obviously, when Germany is not worthy, it can only add leverage. But spending money on today's things in the future will be addictive. Especially now, few people use cash, and all the money is a number on a mobile phone. As a result, many young people have no idea about spending money, and their debts snowball until they can't move.
The second reason is that many young people now live on online lending platforms, financial institutions are really profiteering, and capital is pervasive, which young people especially like. So they will try their best to provide convenience for young people to spend in advance. For example, on some mainstream platforms, you will find many advertisements about loans. What is the fastest 30-second loan? It can be said that this is a pit dug for young people.
So how did our young people get into this pit and get into this debt quagmire?
First of all, young people's income is not high, but young people have many desires and needs. For example, young people should buy a house, a car, fall in love, buy clothes, buy all kinds of brand-name bags and use Apple mobile phones. It was reported before that an idiot sold a kidney and bought an Apple mobile phone, which showed that his kidney was not as powerful as an Apple mobile phone. It is conceivable that the material needs of young people have gone crazy to the extreme.
The second reason is that young people don't really want to overdraw their spending power. Everyone wants to turn over and get rid of debts completely, but they can't control their desires. As soon as the current salary arrives, I will go to WeChat Alipay. Because shopping is more convenient and money becomes digital, consumption can't be controlled at this time. As a result, many young people have no concept of money and no tricks. A month's salary is not enough for half a month, and the second half can only rely on online lending platforms.
The third reason is that many young people don't want to owe online loans, and the platform doesn't want to have too much contact with them. The key is that their salary is not enough, and the online lending platform is getting more and more grinding, because every platform has said that it is very attractive, such as what 1 month interest-free and so on. Therefore, young people can't resist the temptation, and many people forget to repay their loans at critical times, resulting in increasing debts.
In my opinion, it is best for young people not to borrow money, but to lead an honest and clean life. All debts are due to excessive greed. What are you greedy for? Greedy for money, greedy for money, greedy. Have you thought about the consequences of all online lending platforms overdue? Charging high interest and late fees, the final result is rolling interest.
And you will find an interesting phenomenon, that is, the higher the education, the easier it is for people to spend in debt. Why? Because of high academic qualifications, I feel that my income is high. Therefore, many people have a mentality of keeping up with the joneses and following the crowd. Finally, I began to borrow money to spend, and then I became more and more in debt.
It can be said that as long as people can reduce their desires and control their desires, they will generally not overdraw their consumption and live a very moist life. And spending other people's money is addictive. what do you think? Let's discuss it together in the comments section.
The influence of advanced consumption on young people and its countermeasures II. Young people are addicted to "ahead of consumption". These three bad influences cannot be ignored, as we all know!
The internet can change a person's life, but change does not mean that it is a good thing. For many young people, because they can make "super consumption", even if their spending power is insufficient, they can buy some goods beyond their spending power. It can be said that Alipay's flower buds are the chief culprit of all this, but we should know that young people are addicted to "ahead of consumption", and these three bad effects can not be ignored, so we all know!
Adverse effects of No.65438 +0: it is easy to develop bad consumption habits; In the past, many people were afraid to spend money lavishly, because once the money was gone, it was really gone. With super consumption, even if they spend a lot of money, they have no money to repay. They can choose the minimum repayment amount or play the role of repayment, which can link the pressure of super consumption to a certain extent.
The second bad influence: it is easy to cause personal credit problems; Although the author thinks that most people's flower beds are generally around several thousand yuan, we should not deliberately not return them for these several thousand yuan, but there are times when we have to. It is only this year that the flower beds gradually begin to access the central bank's credit information, that is to say, once they are accidentally overdue, it will affect personal credit information.
The third bad influence: can't save money; Many young people, because they are addicted to "spending in advance", have made ends meet and failed to restrain themselves in time. As a result, they can't save money. Maybe in a few years, all your work income will be used for repayment, and there is no deposit at all. When you really want to get married, you will be short of money.
So the author has been reminding everyone not to indulge in "ahead of consumption", because doing so will really bring bad influence, do you understand?
The influence of advanced consumption on young people and its countermeasures 3 What are the disadvantages of advanced consumption? Don't disagree
What is "ahead of consumption"? In fact, it is to consume future money to satisfy present desires, but this consumption needs to be repaid next month. If you don't know how to control it, then the following three troubles are definitely inevitable!
No. 1, as mentioned above, develop bad consumption habits! Taking flower buds as an example, it is also a function of "overdraft consumption", and the users are mainly young people. You should know that young people's consumption psychology is immature. If you try to use it, it is easy to indulge in "ahead of consumption", leading to bad consumption habits, becoming a moonlight family, and even being in debt. Therefore, it is best for young people not to "overdraw consumption"!
Second, lose financial awareness! According to the data, the post-90s generation is the main group of "advanced consumption", and their debt ratio is far greater than that of deposits. So why does "advanced consumption" easily lead to users' debt?
In fact, the answer is simple! In the era of cash payment, when we pay for consumption, we will feel heartache, and at the same time, we will take the initiative to save money. However, in the era of mobile payment, money has been digitized. When we consume, the digital money in the mobile phone will only decrease, which will not make us feel too much, so it will also lead us to spend money lavishly, and it is basically difficult for young people who use "ahead of consumption" to have deposits!
Third, it is easy to affect personal credit information! Although the amount of most "credit products" will not be very high, and users will not intentionally overdue, there will always be accidents. There will always be some unavoidable times, such as missing the repayment date, or being unable to repay because of the epidemic this year. But as long as there is overdue behavior, it will be uploaded to the bank's personal credit information system. If you become a faithless person, the impact will be great, it will be impossible to buy a house and a car loan, and even the education of children will be great.