It will take some time to repay the crematorium. If the first greeting on 20 19 is the ant flower bud, can you be a mature ant rational consumer in this brand-new year?
After all, ants still have to pay back the money they spend.
The 20 17 Report on Young People's Consumption and Life released by Alipay shows that the post-90s generation is developing a new habit of "credit consumption", which is different from the traditional habit of "saving consumption" in China.
The data shows that among the nearly 65.438+700 million post-90s generation in China, more than 45 million people have opened flower beds, with an average of 654.38+0 people using flower beds for credit consumption every four post-90s generation.
This change in consumption habits is more obvious among young people. After nearly 40% of the 90' s, the flower garden was set as the preferred payment method for Alipay, which was 1 1.9% higher than that before 85.
My visitor Xiao Xia is one of the loyal users of Bai Hua. Of course, she not only spent money, but also opened two credit cards, as well as IOUs and IOUs.
Xiao Xia graduated for three years and is a technical supervisor. At present, her monthly salary is 6 K. Such income, in the northern city where Xiao Xia is located, will have a little surplus if calculated carefully.
When Xiao Xia just graduated, her monthly salary was 3,500 yuan. At that time, in order to save money, she and several young sisters shared a small three-bedroom apartment with a monthly rent of 2,200 yuan, and everyone shared the rent.
She seldom eats out at ordinary times and often buys food and cooks by herself. Although the days are tight, 3500 yuan can also meet the daily expenses.
Although her salary has gone up now, she always feels that money is not enough.
There are many girls in the office, so it is inevitable that everyone will keep up with the joneses. Everyone should comment on who uses which brand of perfume, which brand of lipstick and which brand of clothes to buy.
Xiao Xia thought that a girl's youth was short, and only by dressing up could she be worthy of herself, so she began to live a life disproportionate to her income.
In this way, only the "installation fee" will cost a lot of money every month. Catch up with the Chinese New Year holiday, relax, reward yourself with "Poetry and Distance" several times and travel.
When I came to my studio for an interview, I saw her wearing delicate makeup and carrying a brand-name bag. Although it is only entry-level, it cost five or six thousand yuan.
When she left, she put on makeup and took out a big-name powder and lipstick.
Her family is ordinary, without backup, and her salary can't support such a living standard at all, so the overspending part is filled with credit cards and various flowers.
Monthly income of 6K, owing 80 thousand, the more you spend, the more you spend.
Xiao Xia, like many people in the workplace, looks glamorous, but in fact she is very poor. Use a popular word to describe it, called "invisible poor population"!
They may eat exquisite western food, use high-grade cosmetics, carry expensive bags, travel around, and invite expensive personal education, but they have no house, no assets and only a debt.
In a word, they are a combination of petty bourgeoisie and extreme poverty.
After striving for promotion and salary increase, they kept raising their consumption level, and finally found that it was difficult to save money even though their income had increased a lot.
Xiao Xia didn't think there was anything wrong with "spending ahead of time" before. Anyway, I have enjoyed what I deserve. I am still young and my ability has been improving. Making money is not a problem.
But when she reached the crossroads of her career development and needed to make new choices, she realized how important it was to save a little.
Some time ago, Xiao Xia's company laid off employees strategically. Xiao Xia, who was still working overtime on the first day, received a notice of redundancy the next morning and signed a resignation agreement in the afternoon.
Everything came as fast as lightning. As there is no deposit at hand, she is anxious to death.
After posting several resumes online, she hastily chose the job introduced by her friend, and the salary was not as good as before.
She said: If you don't have money, you can't take care of the long term. Let's deal with the immediate crisis first. As for pleasant work, we can only put it aside first.
There is a concept in economics called "ratchet effect". The so-called "ratchet effect" means that when a person forms the current consumption level, it is very easy to move up, but it is very difficult to adjust down.
So, how should we manage our finances?