"Moonlight clan" becomes "down payment clan"
"Moonlight clan" case: Xiao Dong, who works as an administrator in the company, graduated from college for 2 years with a monthly salary of 3,000 yuan. I thought it was no big deal to have no savings, and my salary was spent every month. Anyway, some friends around me are also like this. However, it was not until later when he began to think about whether to buy a house that he found that he couldn't save any money after work, and even mortgage to buy a house couldn't afford the most basic down payment. The annoyed Xiao Dong has a headache for his financial situation.
Expert comment: In fact, the real problem of the "moonlight clan" is not the level of income, but more the way of using money. Many young friends think that "money is earned, not saved". This seems reasonable, but it's only half right. Every little makes a mickle. It is naturally a good thing to broaden financial resources, but only by reducing expenditures can we more actively grasp today's limited funds.
Magic weapon of financial management: master your own financial situation, establish financial management goals, and gradually reserve, every little makes a mickle. Working for a few years can also lay a certain economic foundation. When preparing to buy a house, there will be no distress like Xiaodong lamenting the building.
"Mortgage clan" becomes "wealth management clan"
Case of "mortgage family": Mr. Zhang, 28 years old, is a civil servant in an agency. In June, 2002, he bought a second-hand house with a total price of 350,000 by mortgage, and placed a newly-married family. However, the "two-person world" after the wedding is not happy. Every month, he feels that his money is tight because of the mortgage. He said that he has become a painful "mortgage family"-"repayment on time, can't open the pot."
Expert comment: Most "mortgage owners" like Mr. Zhang have a common problem, that is, the budget is insufficient when applying for a mortgage. This is mainly because the loan amount is high, but the mortgage term is short, resulting in a high monthly repayment amount, accounting for almost 70% of the family's monthly income. Financial experts pointed out that for families with monthly income below 1 10,000 yuan, the monthly mortgage repayment should not exceed 50% of the family income at most. Mortgage purchase is not only a simple "monthly payment", but also a technical means of consumer finance, and whether its application is reasonable is very important for buyers. We should choose the most suitable mortgage method wisely, objectively and flexibly, and draw up a repayment plan that suits us.
Magic weapon of financial management: when young people aged 25-30 choose to buy a house, don't be overjoyed. They should abandon the idea that buying a house must be done in one step and choose flexibly according to their actual situation. In particular, when choosing the mortgage method, it is not appropriate to excessively demand a short term, or to pay off the loan as soon as possible, to excessively reduce the daily living expenses and reduce the quality of life that should be maintained.
"Property buyers" become "investors"
Investor case: Mr. Xie found that his original house could no longer meet the needs of life. So, he is going to sell his old house and buy a new one. Real estate analysts can hear that the original house still has great appreciation potential and it is not cost-effective to sell it. However, if the old house is not sold, it will cost more to buy a new house, which will easily increase the financial burden of the family and may lead to a deficit if it is not handled well. Mr. Xie doesn't know what to do, and hopes to have a solution that can kill two birds with one stone.
Expert comment: Many people who are going to buy a second home will encounter such problems. And the best of both worlds that Teacher Xie hopes can also be realized. In recent years, banks and mortgage lending institutions have successively launched many new building mortgage loan products, which can provide buyers with services that meet their individual needs, so that they can understand how to reasonably choose the form that is beneficial to them.
Magic weapon of financial management: for home buyers like Mr. Xie, we can consider the loan business of "mortgaging the old and buying the new" to solve the problem of purchasing new houses; At the same time, the old house will be rented for rent.
After 80s, the couple earned 8,000 yuan a month, which led to a heated discussion. One netizen earned a monthly bill, and many netizens followed suit. Reporter's survey: Many post-80s lamented that they could not make ends meet every month.
Core tips
From paying off the mortgage to visiting the supermarket, it costs 8,000 yuan a month, which is not a small expense for the young couple. A couple born after 80s made a table of their monthly expenses and put it on the Internet, which caused quite a stir among young couples born after 80s, and also attracted a hot discussion from netizens. While lamenting the high cost of living, netizens criticized the young couple for living too luxuriously.
Netizens posted that young couples feel that the cost of living is high.
Netizen "Copy Happiness 2009" posted on Tianya Forum that his monthly living expenses are too high: he and his wife are both born in 1980s, living in Haikou, and have a baby less than one year old. Although I don't smoke, drink or go to nightclubs, my wife also looks after the children at home and goes to the supermarket once a week, but the monthly living expenses are too high, and I always feel that money is spent too quickly. Finally, the netizen hung the monthly expenditure bill in July on the post, which cost as much as 8 thousand yuan. The netizen said that his and his wife's daily expenses are trivial, mainly reflected in the four types of expenses of food, clothing, housing and transportation. The reporter saw on the expense list uploaded by the netizen that the child's expenses only accounted for three or four hundred yuan; The monthly house payment and water and electricity property fees account for a large proportion of the expenses, which is close to 1800 yuan; Shopping in the supermarket costs the most, close to 3000 yuan. In addition, several items on the bill belong to motor expenses, which are not included in the monthly expenses. For example, it costs nearly 3,000 yuan to buy a mobile phone, buy a plane ticket for relatives and buy glasses. Apart from these, the monthly expenses at home are around 5,000 yuan.
As soon as this post came out, it immediately aroused the bristle of many young couples born after 1980s. The reporter saw that less than three days after posting, the number of visitors to the post exceeded 10 thousand. Nearly 200 people have followed the post. Netizens have been talking about this, holding their own words. Some people think that the netizen is putting on a show with his high consumption, while others think that the cost of living in Haikou for young couples born after 1980s is really too high to make ends meet.
Some netizens support the poster's point of view.
In the face of the netizen's bill, the netizen replied "the sun is cloudy and the shadow is broken": "The landlord's post is very boring, and it is not such an expense every month. What's the point of doing this? Are you showing off how high your income is? My husband and wife only earn more than 3000 yuan a month, but they are still very happy. The key is to see how you spend it! "
And some netizens very much agree with the poster's point of view. Netizens are "annoyed" that young couples born after 1980s live in Haikou, and the expenses are really great. Born after 80, there is a baby who knows the expenses of the landlord very well. "We spend almost so much money every month. We have a mortgage and no car, and we have a lot of expenses every month."
At the same time of intense discussion among netizens, "Copy Happiness 2009" uploaded the bill in the thread. In just one week, it cost more than 2000 yuan. "I also think supermarkets spend too much money. I am close to the supermarket. I got a membership card three months ago, and the score is close to 6000. I want to save money this month. I have been to the supermarket once so far, and I try to buy as little as possible, but the bill is also more than 200 yuan. And there are always some one-time consumption every month, such as wedding anniversary, wife buying clothes and so on. Today is only the 8 th, and we have already spent 2450 yuan. "
What's unreasonable about such a fee? How much do young couples spend on average every month after 1980s? What prompted them to "force" high consumption? How do young couples after 80s save money and get rid of the "moonlight vortex"?
After the reporter's investigation, he became a "moonlight clan" and had to "live on his laurels"
According to the reporter's investigation, the monthly income of ordinary civil servants and employees of institutions in Haikou is about 2,000-3,000 yuan, and the salary of technical posts in energy, electricity, aviation and some large state-owned enterprises can reach more than 4,000 yuan. But on the whole, there are many people with an average salary of 1.500-3 thousand yuan, and the income of small employees in private enterprises and ordinary migrant workers is hovering at a low level. In some companies, salesmen can't make ends meet if they can't finish the assigned tasks. The monthly salary is only 900 yuan, so it is difficult to make ends meet.
In the survey, the reporter found that many post-80s people often make ends meet after taking part in work, because they have developed the habit of spending too much money in college. Xiao Zhang, who graduated from a university in Haikou in 2003, told reporters that he worked in an enterprise in Haikou with a monthly salary of 2,400 yuan and could only maintain a simple life with his girlfriend. He said that most of the students around him are like this, and life is even more difficult than in college. Often in the middle of the month, the pockets are empty, and the two even live by borrowing money and fall into a vicious circle. "Eating and dressing needs face, and providing children with houses and cars. The fast pace of modern life has led many post-80s moonlight generation, no matter how much money they earn, sometimes they have to "eat the old". "A post-80s generation lamented this to reporters.
The 28-year-old female accountant said that her income was too low to get married.
Yan Chaole, who works in a public institution in Meilan District, Haikou, calculated an account for the reporter: "I am a civil servant with a monthly income of 3,500 yuan, and my wife's monthly income is 2 100 yuan. Together, the income of nearly 6,000 yuan seems to be quite a lot. We can face not only the pressure of our own survival, but also the pressure of educating children and supporting the elderly. Children have to go to 800 yuan every month to attend kindergarten, and they have to pay back the mortgage 1.800 yuan, eat and drink 1.600 yuan, and keep a car 1.000 yuan. Human relations are calculated separately, and my mother helps pay the gas, water and electricity bills at home Don't get sick. If you are sick, you may get a subsidy from my mother. The salary is really not enough. "
Guo Liyuan works as a web designer in a company in Haikou with a monthly salary of 2,300 yuan. She said that she buys things from the Internet almost every day, from a hair dryer to a bar of soap. "Click a little mouse every day and spend money without blinking an eye. Fortunately, eating at my parents' house is free, otherwise I don't know how many times I will starve to death. "Yu Dachuan, who is engaged in construction supervision in Haikou, told reporters that he is the oldest post-80 s and he is looking forward to his thirties, but he still lives a life of' one person is full and the whole family is not hungry' because his income can only do this." The monthly income is about 2500 yuan. I'm tired of running my own business. Afraid of getting married, afraid of not being able to support his wife and children. "Bai Ru, a 28-year-old girl, works as an accountant in a hotel. She said that her monthly income is 1800 yuan, and she usually doesn't dare to go out to eat, so she can only go to the vegetable market to buy food and come back to do it. The price of agricultural and sideline food in Haikou has been at a high level, but it still saves a lot of money than eating in restaurants. Bai Ruxiao said: "With my own income level, I dare not get married at all, for fear of dragging others down. "
The village in the city has become a part of the post-80s residential area.
In the interview, the reporter found that in the current situation of high housing prices and rents in Haikou, renting a humble abode has become a helpless choice for some post-80 s, and all villages in the city village have become concentrated areas for renting houses and dwelling in the post-80 s. Fan Xiao and Xiao Zhang, who rent a house near Shihai, share the rent 1000 yuan per month, accounting for 20% of their total income, and the rest is used for eating, entertainment and saving. Fan told reporters that he is still young. Anyway, he can't afford a house in Haikou, and it's nothing to rent a house and get married. When he is rich, he can buy a big house directly. Although I have paid more than 30 thousand yuan for renting a house for three years, buying a house is equivalent to taking out all the liquidity of the young couple to pay the down payment and paying the mortgage every month, which is equivalent to carrying a mountain on my back. "I really want to have a house of my own, but whenever I mention the house, my wife Xiao Zhang will reluctantly prevaricate: wait until I earn more money."
Born in 1983, Wang Luyang and Li Xinmei were college students in 2005. They moved from Chongqing to Haikou after graduation. After getting married in 2008, they rented houses in Jinhua Village, Baipoli and Poxiang Road respectively. They say they can only find a house in the village every time they move, because the houses here are relatively cheap. But every time I move, I feel displaced. What excites them is that they bought a small apartment before the house price soared and will be able to close the house in the second half of the year. In addition to paying the rent every month, the young couple have started to go to the bank regularly for monthly payments, and they have to prepare "silver coins" for future decoration. Life is very tight.
Experts suggest that young people should establish a scientific concept of consumption and learn some tips to save money.
Facing the high consumption of young couples in Haikou after 1980s, Liu Zheng, a financial expert in Haikou futures, said that if you want to get rid of the "moonlight vortex" after 1980s, you need to pay attention to all aspects of food, clothing, housing and transportation. Zheng Liu offers several tips to save money:
First, take advantage of the discount season in shopping malls to buy clothes for one year.
Second, try to reduce eating out and go to the market to buy food.
Third, you should seize the opportunity to buy a house, which is in line with your own economic strength.
Fourth, buy your own commercial insurance as soon as possible.
Fifth, try to postpone the car purchase plan and actively use public transport.
Sixth, apply for a credit card of your own, establish your own credit file, and skillfully use the credit card "interest-free repayment period"
7. Voting on one or more funds.