In this regard, experts believe that the living conditions of the post-9s generation are better than those of the post-7s and post-8s generation. Although the times they live in are not as rich as they are now, the post-9s generation are mainly one-child families, and even Nong Erdai in rural areas will not have a bad life. In order to ensure the comfort of their lives, the post-9s generation often develops the habit of spending in advance. To some extent, this is also a study of the concept of young people in western countries spending ahead of schedule.
And we believe that there are several reasons that really lead to the post-9s generation's general debt and form a vicious circle: First, due to the widening gap between the rich and the poor in society, the post-9s generation began to compare their living conditions with each other in schools. For example, if you have an Apple phone, I will have it. So, what if the family doesn't give so much money? So I borrowed money from the campus to buy all kinds of luxury goods. This led to the prevalence of campus loans in previous years. After borrowing the campus loan, the interest rate is surprisingly high, and finally the parents can only come forward to settle the matter.
Second, there are too many places where you can borrow money, including traditional credit cards for overdraft, ant flower buds, JD.COM bars, and even offline campus loans, IOUs and so on. This undoubtedly gave the post-9s generation a tool to borrow money. In the view of the post-9s generation, why not use tomorrow's money to do today's work? While you are still young, enjoy a happy life in time, which is the key. As for what to do tomorrow, borrow money slowly and pay it back slowly. There is still a long time.
thirdly, with the rise of internet e-commerce, various e-commerce festivals are held many times every year. After 9, young people are keen on online shopping, which is not only cheap, but also delivered to their homes. As a result, the post-9 s students often use up all their newly paid wages carelessly. Finally, the post-9s generation had to spend money through JD.COM white bars and flower buds. If you use cash in real life, you may know well when you spend it, but when you spend money online, you can only live beyond your means.
So, how can we change the post-9s debt situation? First of all, our media and schools should advocate the lifestyle of "living within our means", that is, you can spend as much money as you can earn. It is ok to buy household appliances occasionally for overdraft consumption, but you can't get used to living like that for a long time. Because it is impossible to last long by borrowing new debts to repay old debts.
Furthermore, when young people born in 199s learn to spend money, they should be taught how to make money better. For example, some college students like to spend ahead of time, but their families don't give them so much living expenses. That can be solved by working to make money, rather than living ahead of time, and eventually they have to get involved with their families to pay off their debts. Of course, for those who have already joined the work, they can choose to take more jobs, so that they earn more income, and there is no need to borrow money for consumption.
Finally, young people born in 199s should learn how to manage their money when they overdraw their consumption. First, they should deposit the money left every month in Yu 'ebao, so that every little makes a mickle, and there will be extra funds after one year. Then try to invest in some wealth management products with low safety factor. When the post-9 s young people divert their energy to investment and wealth management and taste the sweetness of wealth management, they will not focus on overdraft consumption.
The post-9s young people are trapped in a quagmire of high debts, mainly because they live in an era with a big gap between the rich and the poor. Many people have the heart to compare with each other, while some people can't reach their financial resources for a while, so they can only solve it through debt. Of course, the emergence of various lending tools has also helped young people to overdraw their consumption. However, we can guide everyone to develop the habit of living within our means through schools and the media, and at the same time let young people make more money to make ends meet. At that time, the post-9s young people could also distract their energy consumption through the study and investment of wealth management products, and develop a good habit of wealth management and investment.
The post-9s generation are all 3-year-old adults now, and the debt can only be said to be caused by some previous consumption concepts.
I am also a post-9s generation. Tell me about my experience! Now the total debt is more than 6. Credit card 4, friend 2.
I just graduated and my first job was to work in Shenzhen as a property manager. The work is almost more than 5, yuan per month. At that time, I also bought my first smart phone and spent more than 2, yuan. I am an electronic product controller. I also like to look at electronic information. I have worked for two years and have some savings, which is quite a lot for me. I just bought some high-end computers. Headphones, etc. These things are really burning tens of thousands of dollars, which is simply unbearable.
I remember that when I bought an 86-year-old CD player again, I needed more than 3, yuan, which was not enough at that time. One also said that you can use a credit card first and then repay it later. I got my first credit card. At first, the quota was 6, and it took me several times for half a year to raise it to 3.
At this time, the situation was relatively good, and it was not overdue. Later, I began to spend money lavishly. I don't have a concept. I want to use it first this month and pay it back slowly next time. It didn't last long to find that wages couldn't be changed to the minimum repayment. I started to borrow money and pay it back first. I feel more and more pressure to repay later. At this time, the idea of re-issuing the card and returning the old card bill with the new card came into being.
I started to apply for a second credit card, and the credit limit is directly over 2, yuan. It still feels easy to return one card to another. After a long time, coupled with uncontrolled expenses. I found that I had to get a new credit card.
later, I saw all kinds of online loans on various websites. At this time, the credit is still relatively good, and the amount under it is also relatively large. But I have never carefully studied the interest and other issues. That's six or seven loan software that I always use. When I can't fall over once, I feel that the sky is falling, and this is the beginning of the nightmare.
all kinds of different degrees of collection calls came. That's really a annoying, bombing contact, calling my friend to say that I owe money. In order not to be disturbed by these vicious collections, I began to apply for online loans in large quantities. I have applied for this kind of online loan and credit card all over again until there is no platform to give me a quota.
The official overdue debt broke out. At this time, I was faced with daily collection. I really couldn't stand it. I confessed to my family, and my family paid me more than 3, yuan, but I didn't tell the truth. There are more than 3, plus the arrival of COVID-19, and it is all kinds of sad reminders to be urged to change jobs. In this way, looking for a job only pays the minimum repayment. In order to keep relatives and friends from being disturbed again, I insisted on it. I am also working hard to pay off my debts as soon as possible!
It's only natural to pay back the debts, and the rest time is to do my best to work and try to pay off the debts as soon as possible. Debt-free, everything will be fine then! Come on, friends who are in debt like me!
according to a recent survey by HSBC, the debt-to-income ratio of the post-9s generation in China reached an astonishing 185%, and the per capita debt owed by this group to various lending institutions and credit card issuers exceeded US$ 17,433 (about RMB 12,).
The post-9s generation's debt is 18.5 times the monthly income, and the per capita debt is as high as 12,.
This data deserves everyone's attention.
The post-9s generation has two typical labels: one is "love spending money" and the other is "poverty". So what is the "truth" behind the post-9 s debt through data?
The desire is constantly amplified, and I don't know it when I step into the abyss.
With the popularity of peer-to-peer lending forms such as flower buds and JD.COM white bars, it has become the choice of more and more young people to borrow money for advanced consumption. Using tomorrow's money to realize today's dream has become a very fashionable consumption concept at present.
In 218, the sales of Tmall Double Eleven exceeded 213.5 billion, and Alibaba made history again. However, behind this huge sales, how many young people are in debt for consumption. Hua Bai and JD.COM's long repayment bills during the day have become many young people's nightmares. From the psychological point of view, when consumers borrow and spend, they will have a strong pleasure in the payment process, but their worries about future repayment are very subtle. This is why loan consumption is addictive. Nowadays, few young people are in debt, and a lot of friends around them are in debt in just a few years.
post-9s economic situation in Alexandria
7% of young people are in debt by stages
2% of young people have not saved money
31% of young people have borrowed from more than four platforms
With the rapid development of e-commerce industry, many young consumers of post-9s who are addicted to online shopping have further contributed to the development of peer-to-peer lending, and the biggest beneficiary behind them is capital. As this young group, they can only face these ".
I was physically and mentally exhausted to pay the bill I owed yesterday
Because of the urgent need for money, a young cow from Dongguan made a loan of 6, yuan on a loan platform APP in October 217, but only 2,3 yuan was actually received, and it was agreed to repay 3, yuan a week later. After several repayments on schedule, the borrower kept urging to renew the loan and chase after the loan, but once he broke the contract, he fell into a quagmire: if he failed to pay the due date, he would have to pay a renewal fee of 3% on the same day; If the renewal fee can't be paid, the overdue fee will be accumulated in 3 yuan every day. After more than a year, Niu actually borrowed less than 1, yuan, but the total amount was nearly 1, yuan, but the loan on the APP has not been eliminated. Xiaoqu, who has just joined the work for five months and is 28 years old this year, is still "filling the hole" with his salary bit by bit. During her graduate studies in Beijing, she spent 35, yuan every month on the "ant flower garden". Because there is no fixed source of repayment, she only paid the minimum amount every month, and the rest automatically transferred to the next month to collect interest, so she repeatedly snowballed.
There are people who spend so much money that they lose their innocence and lives. Female college students in Xiamen were deeply involved in naked loans, unable to bear the pressure of debt repayment and the harassment of debt collection calls, and committed suicide. Wuhan University student hanged himself in the hotel, and his family found that there were 13 online loan apps in his mobile phone, and * * * owed more than 5, debts. According to statistics, only 3% of white-collar workers had deposits exceeding 3, yuan in 218, and 2% of white-collar workers not only failed to save money, but also owed debts.
The rapid development of society has neglected the fundamental education.
The post-9s and post-s, who grew up under the Internet and market economy, got rid of the generally poor economic situation in family of origin like previous generations, and gained more disposable property and confidence in consumption. At the same time, however, some people are hard to stop the inertia of consumption and control the scale, and they have not formed a rational consumption concept of balance of payments and living within their means in time.
In this process, the positive guidance of family, school and society is also absent. Some experts said that while the society cheered the expansion and upgrading of consumption, the education and guidance of young people's consumption concept was lagging behind, and it was almost blank at present. Only when things happen and cause serious consequences will people pay attention to them! In the end, we can only pay a painful price for the neglect of society.
change, from thinking of spending money to thinking of making money
This is an impetuous era. You need to plan your life well. How to go in the future? First of all, we must change our thinking. When people have the desire to make money, they will have a strong motivation to pay. If you want to make money, you must act. If you want to have a better life, you have to get rid of your old self.
compared with the 197s and 198s, the rapid economic development is a far cry from each other. Prices have risen and house prices have doubled. Young people want to have a complete home, so they can only borrow money, which is also a major factor in the debt of the post-9s generation!
compared with the 197s and 198s, the rapid economic development is a far cry from each other. Prices have risen and house prices have doubled. Young people want to have a complete home, so they can only borrow money, which is also a major factor in the debt of the post-9s generation!
2. The vast majority of post-9s generation have lived in their parents' infancy, hardly experienced the baptism of wind and rain, are ambitious but have little social experience, and many post-9s generation businesses have ended in failure, eventually leading to heavy debts!
3. Great changes in society, rapid improvement of economic level, and the desire for a better life for the post-9s generation, but they are helpless to lack funds! Therefore, the ability to resist all kinds of temptations nowadays is poor, such as online gambling, online lending, etc., which leads to falling into the endless abyss!
4. No matter whether they have money or not, the post-9s generation, who didn't suffer much from childhood, took a fancy to their faces. After entering the society, in order not to let their friends, men and women look down on them, they handled various credit cards, online loans and other overdraft consumption in advance, which is commonly known as "supporting loans with loans". At the same time, the temptation consumption factors of the Internet are gradually increasing, which leads them to gradually stepping into the abyss!
5. In recent years, the major target of the large-scale water release in the financial industry is young people, and many young people with poor judgment ability and poor resistance to temptation are dragged down by the temptation of low threshold and high quota!
6. Getting married and having children, raising a child now is comparable to providing for a college student. Coupled with other burdens of the family, they make advance payments, and their debts are getting higher and higher, and they have been living beyond their means!
7. Parents' connivance, even if they get married, most parents are still in charge of their daily life. Even if they make mistakes, they still have to solve them at all costs, which makes some young people not realize their mistakes, and they make mistakes again and again until they have lost all their efforts for generations and are unable to repay them.
The starting point may be the consumption habits of families, and children in two types of families are particularly prone to debt. One kind is that children are spoiled in the family, and all parents who want them will try their best to get them. He has never experienced the kind of taste that he wants but can't get. After earning money, he also retains the same thinking, buying whatever he wants, and talking about the extra card account later; The other kind is the kind that has been strictly controlled by parents since childhood, and it is very difficult to want anything. Once you have an income, you will start to satisfy yourself.
From family to society, it has been strengthened. Now there are too many consumption scenes. Let's not mention all kinds of inducements from merchants, but you can always see them in your circle of friends. Xiao Zhang bought a new bag yesterday, Xiao Li watched the hottest movie the day before yesterday, Xiao Wang Mai bought new sneakers, and XX bought a blind box. You must do something to show your existence, right? What are you doing? The big probability is to spend money.
the perfection of financial instruments provides the conditions for leading consumption. If you don't have money, you can only look at it, but you can't buy it. After all, an adult is embarrassed to play coquetry in front of his parents. If his peers borrow it, it's ok occasionally. No one is stupid if the number of times is more than one, so the consumption quota is still under control, but