When I first arrived at the company, I was always tempted by these. To this end, I rented a house outside and spent a lot of money taking art photos to show my colleagues that I am also rich and have a high quality of life.
It's just that within five months, my salary can't support my daily expenses Being carried away by vanity, I opened a China Merchants Credit Card and opened the door to overdraft consumption.
It was not until the credit line reached the bottom that I realized how stupid it was to make ends meet.
Not only me, but also many post-90 s groups are suppressed by economic pressure and gradually move towards overdraft consumption.
According to the consumer finance data of HSBC and Haier, the post-90s group's debt ratio is as high as 1.850%, accounting for 43.48% of the consumer loan group, and nearly 30% of users rely on loans to support loans.
It can be seen that the post-90 s in their 20 s have been deeply under the weight of debt. Coupled with the outbreak of the epidemic, more and more people began to overdraw their consumption and were tortured by the words "loan, isolation, income and return to work" every day.
Now it seems to be a carnival era of credit consumption. Young people have nothing to fear, and overdraft consumption has become a normal state. However, it is quietly destroying the future of the post-90s generation, so it's time for us to wake up. A temporary carnival may be a lifelong regret.
An epidemic, an economic war, who wins and who loses is clear at a glance. Economic pressure is oppressing us all the time, and overdraft consumption naturally enters our lives.
00 1 vanity, comparison possessed.
When Hanfu was popular, the plastic surgery tide attracted the post-90s generation. Now, the post-90s generation in China has become the main force of plastic surgery. Even if you get a loan, you need plastic surgery, ranging from tens of thousands to many bottomless pits.
Unexpectedly, my junior cousin also had to cut her double eyelids. I always thought that plastic surgery was far away from me, but there was one around me.
I was surprised and curious. Because her family is not rich, she can't afford a lot of cosmetic surgery.
According to her description, one of her classmates looks ordinary, but after a series of plastic surgery projects such as double eyelids and rhinoplasty, she became a lovely beauty and showed me the photos before and after.
Indeed, everyone has a love of beauty, especially when it still happens around you, it is inevitable that people will be unwilling. Obviously, she has been wrapped in vanity and can't extricate herself.
Like plastic surgery, a car and a house. I can't afford it, but I still want to buy it.
There are too many such people around us, who will be infected unconsciously and slowly fall into the whirlpool of overdraft consumption, making it difficult to stand up again.
002 weak professional skills and low salary.
Many of my classmates are now grass-roots managers, who have been in the company for a short time, lack professional knowledge and need to learn a lot of skills. Despite hard work, income still can't keep up with consumption.
On February 30th last year, 65438, zhenai released the White Paper on Singles after 20 19:90, which showed that the average monthly income of the post-90s generation was 8,000 yuan.
Without superpowers, the salary of the position will naturally be lower. The salary of peers around me is less than 5000. In addition to daily expenses, buying more cosmetics and clothes will overdraw consumption.
Faced with the situation of low income and high consumption, I accidentally stepped into the pit of overdraft consumption.
003 poor financial awareness, profligacy.
There is a popular saying on the internet: after 90, spending money is like running water and being free. In other words, no matter how much money you earn after the 1990s, you are not stingy with your money, just like the rich.
According to the analysis of post-90s consumption trend data, post-90s people like "lazy consumption" best. Those who can take a taxi will never squeeze into the subway, those who can order takeout will never cook, and those who can deliver goods to their homes will never go downstairs to buy food.
As everyone knows, I spend my own money for convenience, and every month is not a small amount.
There is also "incentive consumption". Always reward yourself and give yourself a legitimate reason to spend money. For example, after working overtime for a month, take a vacation to travel out of the province and relax.
That's it. I spend money without restraint. There is no idea of saving at all, and there is no awareness of financial management. In the long run, overdraft consumption will inevitably be the only way.
If you overdraw, have you found the reason? If you find it, you must repent and stop loss in time.
00 1 Get rid of distractions and just be yourself.
People only have a lifetime, in fact, there is no need to be too demanding and extravagant, do what they want to do, love what they want to love, look at the flowers in front of the court and look at the clouds in the distance.
Former British Prime Minister Margaret Thatcher is recognized as the "Iron Lady" in political circles. When she was a child, she saw other children have free time to play and have a picnic, so she begged her father to take her out for the weekend.
But I didn't expect my father to say calmly; You must have your own opinion. Just because your friend is doing something, you have to do it.
Always have your own opinions, use your own brain to judge whether things are right or wrong, and don't follow suit. This is the motto of life given to her by her father.
Yes! In our life, we often see others buy brand-name bags, which are fashionable and beautiful, so we start with one; Seeing a friend succeed in starting a business, he also resigned to start a business; Seeing that everyone else has traveled abroad, I plan to travel by myself.
Have you ever thought that what others do is suitable for you? Is this what you really want?
Cai Kangyong once said: If you look at others, you actually want to be others, not yourself. We are all born different.
Now, I no longer care about other people's eyes. What does it matter to me that others pursue brands and high-quality life? After all, being yourself is the most advanced way to live.
Learn to get rid of distractions in your heart and cultivate your pure land.
002 learn skills and increase income.
20 18, working in Guangzhou. Because I just graduated, I have no work experience and my professional skills are very weak. I often see my colleagues give me different eyes. However, I don't give up, I can learn.
Find the answer from the book first. I started to buy professional books, looked them up if I didn't understand, and learned a lot.
Secondly, don't be ashamed to ask questions and ask experts. Always consult and learn from experienced colleagues in the hotel, and constantly fill in the gaps in knowledge.
Of course, overtime is 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. Purple lanterns hung all over the hotel, very beautiful.
Jade must be cut before it can be made into tools. After a year of polishing, my professional skills have been significantly improved, which is why I have this job with double income.
There will be no pie in the sky, and even if there is, you may not be able to bear it.
Ability is not immutable. As long as you are willing to study, you will naturally make progress after a long time, and promotion and salary increase are no longer a problem.
Learn to manage money and spend reasonably.
On February 30th last year, 19, Tencent released the "Financial Consumption Report for the Post-90s", which showed that more than 80% of the post-90s had financial habits, and most of the financial income of the post-90s was positive in 20 19.
It can be seen that most of the post-90 s feel the pressure of life and have begun to manage their finances. If you have spare money, you can try simple wealth management products.
On the one hand, it is open source, on the other hand, it is throttling.
Do we often have the following situations: money is spent so fast that we never know where it is spent? It's the end of the month. Do you still have to spend money or your credit card hurts?
Yes, I once asked myself where I spent all my money and didn't buy anything.
Now, I have started to use an APP to record my daily expenses and truthfully record every expense.
I have used shark bookkeeping, and it is very convenient to keep accounts for my life; I have also used bookkeeping, which can help make a budget, control impulsive consumption and not spend money indiscriminately.
At present, micro-bookkeeping is used, with simple design, and its main function is functional voice bookkeeping, which is very convenient and saves a lot of time.
Only by recording the whereabouts of one's own expenditure can one achieve reasonable consumption and not spend a penny indiscriminately. Plan your every penny to avoid falling into overdraft consumption.
Overdraft consumption is not terrible, what is terrible is to escape the fact that it has been overdrawn. In the face of economic pressure, don't be timid, let alone overdraw consumption, and use wisdom and ability to resolve it.
Everyone will face economic pressure, and overdraft consumption has become a social phenomenon. However, as the economic pillar of the post-90s generation, overdraft consumption should not be allowed to continue, and ways should be found to remove this curse.
Finally, I want to say that economic pressure is not a tiger beast. Moderate pressure can also stimulate your fighting spirit, make you spend more rationally, start a business with more passion, and move towards the road of wealth and freedom as soon as possible.