In particular, credit cards are becoming more and more popular, especially among young people, and are widely used.
Many young people have their own consumption concept, pursue material enjoyment, only pay attention to immediate enjoyment, and ignore future planning and savings plan. Once there is a situation of "tight money" and you don't borrow money from relatives and friends, you can only achieve a temporary balance through the form of "raising cards with cards".
Xiao Li from Dalian said, "I live with my girlfriend. The monthly rent is 2500, my salary is 5000, my girlfriend is 2500, and my car loan is 2000 per month. When I first fell in love, I overspent. At present, the credit card owes 20,000 yuan, and it has to be paid 1.900 every month. The rest is used for living expenses. Occasionally buy her some good cosmetics and clothes, especially gifts for holidays and anniversaries. So I added three more credit cards, and if the money is not enough, I will pour each other. "
On the surface, Xiao Li's life is very nourishing, but in fact, only oneself know the pain and hardship. If the monthly salary is less than 10 minutes, you have to transfer it to your credit card immediately. Basically, you can only spend by credit card. As long as the wages of two people are stable, they can continue to survive ... Anyway, both of them are still young and will definitely get better in the future.
This kind of life is very common and abnormal, because all their available funds come from credit cards, and they feel like walking on thin ice. If their wages are not paid for a month, or there is a place where money is urgently needed, then the repayment chain will be broken, and the balance between multiple cards will not be maintained, that is, thunder will not be returned. How dangerous it is. If we can spend every day peacefully, there is no problem, but who can guarantee such a long time?
In Xiao Li's words, the four credit cards in hand now have to carry a small notebook to firmly remember the billing date and repayment date of each card, for fear that an oversight will lead to the direct collapse of the four cards. This kind of life, more than half a year, two people have no deposits at all. They have to worry about their livelihood and credit card repayment every day, and even worry a little about the future. Although Xiao Li loves his girlfriend very much, he doesn't know what kind of future he will give his girlfriend in the future ... This kind of life can't last long after all. If you want to have a bright future, you need to change the status quo, at least get rid of the "card slave" life and get rid of the state of four cards balance. The most essential thing is to increase income and plan expenditure reasonably.