I am born in 1995, less than two years after graduating from college, and working in a state-owned enterprise. I am influenced by gossip, comparisons, and vanity in the office every day.

When I first arrived at the company, I was always tempted by these. To this end, I rented a house and spent a lot of money to take artistic photos, trying various tricks to show my colleagues that I was also rich and had a high quality of life.

However, within five months, my salary could not support my daily expenses. Being blinded by vanity, I opened a China Merchants Credit Card and opened the door to overdraft consumption.

It wasn’t until my credit limit was almost at its bottom that I woke up and realized how stupid it was to live without money.

Not only me, many people born in the 1990s have been suppressed by economic pressure and are gradually moving towards overdraft consumption.

According to data from HSBC and Haier Consumer Finance, the debt ratio of the post-90s generation is as high as 1,850%, accounting for 43.48% of the consumer loan group, and nearly 30% of users use loans to support loans.

It can be seen that the post-90s generation in their 20s is already deeply under the pressure of debt. Coupled with the sudden outbreak of the epidemic, more and more people have begun to overdraw their consumption, and are tortured by the words "loans, quarantine, income, and resumption of work" every day.

Today seems to be a carnival era of credit consumption. Young people are fearless and overdraft consumption has become a norm. However, it is quietly destroying the future of the post-90s generation. We should wake up. A moment of revelry may lead to a lifetime of regret.

In an epidemic and an economic war, it is clear who wins and who loses. Economic pressure oppresses us all the time, and overdraft consumption has naturally entered our lives.

001 Vanity is at work, and comparison is possessed

Just like when Hanfu was popular, the plastic surgery trend also attracted the post-90s generation. Nowadays, China's post-90s generation has become the main force in plastic surgery. Even if they need a loan, they need plastic surgery, and the amount can range from tens of thousands to a bottomless pit.

What I didn’t expect was that my cousin, a junior in college, also wanted to have her double eyelids removed. I always thought that plastic surgery was far away from me, but unexpectedly there was one beside me.

I was surprised and curious. Because her family is not considered wealthy, they cannot afford a large amount of plastic surgery expenses.

According to her description, one of her classmates looked average, but after undergoing a series of plastic surgery projects such as double eyelids and rhinoplasty, she turned into a beautiful woman that everyone loved, and she even showed it to me. Before and after photos.

Indeed, everyone has a love for beauty, especially when it happens around you, it is inevitable that your heart will be moved. Obviously, she has been wrapped up in vanity and cannot extricate herself.

Like plastic surgery, there is also buying a car or a house. Obviously I can't afford it, but I still insist on buying it.

There are too many such people around us, and you will be infected before you know it, and slowly fall into the whirlpool of overdraft consumption, making it difficult to stand up again.

002 Weak professional skills, low position salary

Many of my classmates are now grassroots managers. They have only been in the company for a short time, have weak professional knowledge, and need to learn many skills. Despite hard work, income still cannot keep up with consumption.

On December 30 last year, Zhenai.com released the "2019: White Paper for Post-90s Singles". The report showed that the average monthly income of those born in the 1990s was 8,000 yuan.

Without super abilities, the job salary will naturally be lower. The salary of the peers around me is less than 5,000 yuan. Excluding daily expenses, if I buy a little more cosmetics and clothes, I will overdraw my consumption.

Facing the situation of low income and high consumption, I accidentally stepped into the pit of overdraft consumption.

003 Poor awareness of financial management, squandering money

There is a popular saying on the Internet: The way the post-90s generation spends money looks like the freedom of wealth. In other words, the contemporary post-90s generation does not care about what they earn. Although he may have a lot of money, he is not stingy when spending money. He really looks like a rich person.

The "Data Analysis of Consumption Trends of the Post-90s Generation" shows that the post-90s generation likes "lazy consumption" the most. If you can take a taxi, you will never squeeze into the subway. If you can order takeout, you will never cook. If you can have it delivered to your door, you will never go downstairs to buy food.

As everyone knows, all I spend for convenience is my own money, which is a lot of money every month.

There is also "reward-based consumption".

Always reward yourself in a legal way and find legitimate reasons for spending money on yourself. For example, if you have been working overtime for a month, take a vacation and travel out of the province to relax, etc.

That’s it, spending uncontrollably, without any thought of saving, let alone any sense of financial management. If things go on like this, overdraft consumption will inevitably be the only way to go.

If you also overdraft, have you found the reason? If you find it, you must change your past mistakes and stop the loss in time.

001 Abandon distracting thoughts and just be yourself

You only have one life. In fact, there is no need to be too demanding or extravagant about anything. Do what you want to do and love what you want to love. Watch the flowers blooming and falling in front of the court, and look at the clouds rolling in the sky.

Former British Prime Minister Margaret Thatcher is recognized as the "Iron Lady" in the political circles. When she was a child, she saw other children playing and having picnics in their free time, so she begged her father to take her out on weekends.

Unexpectedly, my father said with a stern face: You must have your own opinion. You can't do something just because your friends are doing it.

"You must have your own opinions on everything, use your own brain to judge the rights and wrongs of things, and don't follow what others say." This is the life motto given to her by her father.

Yes! In life, we often see others buying designer bags, which are fashionable and good-looking, so we buy one; we see our friends succeed in starting a business, so we quit our jobs to start a business; we see others traveling abroad, so we plan to travel ourselves.

But have you never thought about whether what others do is suitable for you? Is it what you really want?

Cai Kangyong once said: Everything depends on others. In fact, you want to be others, not yourself. As humans, we are all different.

Now, I no longer care about other people’s opinions. What does other people’s pursuit of brands and high-quality life have to do with me? After all, being oneself is the most advanced way for a person to live.

Learn to get rid of distracting thoughts in your mind and cultivate your own pure land.

002 Develop skills and increase income

In 2018, I was working in Guangzhou. Because I had just graduated, had no work experience, and had very weak professional skills, I often saw comments from my colleagues. Strange eyes. But, I don't give in, I can learn.

First, find the answer from the book. I started to buy professional books, look them up if I didn’t understand them, and learn more.

Secondly, don’t be ashamed to ask others for advice. I often consult with colleagues who have experience in this aspect of the hotel, learn from them, and constantly fill the gaps in knowledge.

Of course, working overtime is also normal. At that time, I was the last one to leave the office every day, and I could always see the charming night of the hotel, with purple lights covering the entire hotel, which was beautiful.

Jade cannot be used without polishing. After a year of hard work, my professional skills have been significantly improved, which is why I now have the job that doubles my income.

There is no such thing as a pie in the sky, and even if it were, you might not be able to bear it.

Ability is not static. As long as you are willing to learn, you will naturally improve over time, and promotion and salary increase will no longer be a problem.

003 Learn financial management and consume rationally

On December 30 last year, Tencent released the "Post-90s Financial Management and Consumption Report", which showed that more than 80% of the post-90s generation have financial management habits. The financial income of post-90s generation in 2019 was positive.

It can be seen that most people born in the 1990s feel the pressure of life and have begun to manage money. If you have extra money, you can try simple financial products.

On the one hand, it is open source, on the other hand, it is cost-saving.

Do we often encounter the following situation: money is spent super fast but we never know where it is spent? Are you still spending money at the end of the month or your credit card is particularly painful?

Yes, I used to do the same. I was always asking myself where I spent my money, and I didn’t buy anything.

Now, I have started to use an APP to record daily expenses, and record every expense truthfully.

I have used Shark Accounting, which is very convenient for daily accounting; I have also used Handy Accounting, which can assist in setting a budget and control impulsive consumption without spending money indiscriminately.

I am currently using Micro Accounting, which has a simple design and its main function is functional voice accounting, which is very convenient and saves a lot of time.

Only by recording the whereabouts of your expenditures can you achieve reasonable consumption and avoid wasting any money. Plan every cent of your life to avoid falling into overdraft consumption.

Overdraft consumption is not terrible. What is terrible is escaping the fact that you have already overdrawn your consumption. In the face of financial pressure, don't be timid, let alone spend too much, use your wisdom and ability to resolve it.

Everyone will face financial pressure, and overdraft consumption is already a social phenomenon. However, as the post-90s generation, the future economic pillar, we cannot allow overdraft consumption to continue developing like this, and we should find ways to lift this curse.

Finally, I want to say that economic pressure is not a ferocious beast. Moderate pressure can also stimulate your fighting spirit, make you consume more rationally, become more passionate about starting a business, and rush to the road of wealth freedom as soon as possible.