They spend a lot of money every month. No matter how much money you earn, you will spend it all, and you can't save any money, so that it is a problem to encounter some difficulties or support yourself for half a month.
Such people seem to live a chic life, but only they know how difficult it is.
So, how can we bid farewell to the moonlight clan?
00 1: clear revenue and expenditure
The reason why the moonlight clan is in such a predicament is largely because they don't have a clear understanding of their income and expenditure level.
Especially in recent years, under the trend that online shopping is particularly popular, the consumption process lacks the sense of ritual of physical stores in the past, and money has become a pile of numbers on the screen, so consumption is not so cautious, and it is particularly difficult to control your desire to pick up your hands.
To change this situation, we must first make clear what our monthly income and necessary expenses are.
Only when income exceeds expenditure can we save.
002: Change the wrong consumption concept
If you want to change the lavish consumption habits of the moonlight clan, the first thing you need to change is your own consumption concept.
Before we buy and consume, we'd better think clearly whether these things are what we really need. We can't buy a lot of things that may not be used for a long time or even needed at all just for a moment's pleasure or because we think they are discounted.
003: Learn to keep accounts and live within our means.
Through bookkeeping, we can clearly know what our necessary living cost is and what expenses belong to irrational consumption, so as to control our consumption behavior to some extent.
Only by paying attention to the dribs and drabs of daily life and gradually reducing their bad consumption can we bid farewell to the moonlight family completely.