The post 90s debtor alliance tells the pain of online loans, what do you think they should do?

They should definitely actively defend their rights and use the law to protect their legitimate rights and interests, so that they can have a glimmer of life.

I think they should live a down-to-earth life, be diligent and thrifty, make money with their own efforts, earn more and spend less, and don't have some unrealistic ideas, so that they will stay away from online loans.

Refusal of online loans. They now pay off their online loans as soon as possible, and then stay away from online loans and use their own efforts to make money.

Reduce your desires, reduce your material desires, cook your own meals to save money, don't buy unnecessary things, work hard to make money, and don't take out online loans anymore.

Spending ahead of time and games are the main reasons for debt, so if you have time to complain, it is better to quit games, don't spend ahead, look for a job in a down-to-earth manner, and work seriously.

I think you should change your spending habits in time, and then make money through your own efforts and pay off all your debts.

Many descendants of the 90s attribute their debt to unreasonable levels of income and expenditure. In fact, after a careful analysis of the numerous debtors, you will find that the real reason for debt is only four situations.

The main reason why they are in debt is to pursue a high quality of life, that is, to pursue a high-consumption life that is not in line with their financial ability.

It's that they really want to eat, drink and gamble, borrow money to be happy, and have a good communication with the lender, so they do a very good job, which is already very good.

Many old people are particularly advocating thrift and thrift, but when it comes to young people, their consumption outlook has changed, and they have even developed a habit of advanced consumption, so many post-90s have become an alliance of debtors, so why did they fall into the pit of online loan apps?

So I think the first reason is that they have developed a bad consumption habit, that is, to consume ahead of time. So most young people actually have no economic income, many of them are students, they spend a lot, but they have no income, so they can only go to those online loan apps to borrow money to fill their holes, and over time they owe more and more money, and they will fall into all kinds of pits.

In order to enjoy a good life, they will borrow money from those online loan apps, such as borrowing money to travel or borrowing money to do beauty, buy skin care products, etc., and over time they will like such a life. Forget it, slowly they owe more and more money, sometimes they know that online loans are a pit, but in order to fill another pit, they can only continue to jump into another pit.

So for these young people, I personally just want to say that we should consume rationally, according to our own ability, and do not develop the habit of advanced consumption. We must be aware of the harm of online loans, and many online loans are not particularly formal, so we have many rights and interests in the process of online loans. We have seen a lot of young people because of the problem of online loans, I do some very bad things, such as hurting my own life, or doing something that violates morality, or even violates the law.

So my advice to young people is not to touch online loans, and if we have any problems, we can ask our parents for help or ask our friends for help.

The post-90s generation became an alliance of debtors, and first caught up with the era of high housing prices, high bride price, and high consumption. As a result, the income is not enough to make ends meet, and the salary is not enough to pay off the mortgage and car loan, so you can only take out online loans to make a living.

Because they have developed advanced consumption, and most young people actually have no economic income**, many are students, they spend a lot, but they have no income, so they can only go to those online loan apps to borrow money to fill their holes, and over time they owe more and more money, and they will fall into all kinds of pits.

Because many post-90s generations now have the habit of spending ahead of time, there is no habit of saving money, and the consumption is relatively high, and the salary is not high enough, so they can only take out online loans, and the threshold for online loans is too low.

Because many people who are in debt repay their debts by borrowing online loans, coupled with high interest rates, they will fall into the pit of online loans.

Every time she repays the money, she can actually see that she is very anxious, and she repays the loan in installments, but she is sad for a few days, as long as she is paid, she has long forgotten about the debt, and nothing is as happy as spending money

It can only be said that these people are not rational at all, and they spend money without any moderation, which is why this kind of thing happens.

I think they should change their values and consumption levels, do what they can, and consume according to their financial ability so that they don't get into debt.

This shows that many post-90s generations have strong vanity and desire, and the environment leads to psychology, and it has become a habit to love and spend money, which I think is very bad.

I think these people really don't take money seriously, spend lavishly, and don't think about whether they can afford it. It is recommended that everyone still earn a penny and spend a penny.

The post-90s generation has become a "debtor alliance, and they have a car and a house and choose to jump off the bridge!" How hard is it for people to reach middle age?

Today's young people have no self-control, and they are also promoting advanced consumption, so many young people have borrowed online loans and are in debt.

It is because the current consumption is too high, and people simply consume far more than their income, and this situation will slowly appear.

Because it is difficult to meet the material needs of young people nowadays, they always consume ahead of time, so they are in debt.

Since the rise of online lending, it can be said that a large number of college students have been harmed, and many post-90s, post-95s and even post-00s have fallen into the trouble of online lending. Among them, there is a post-95 generation who has a debt of 240,000 yuan in online loans for three years, which also arouses the fear and thinking of many young people about online loans.

First of all, most young people fall into the trap of online lending just to satisfy their vanity

Many students come from relatively ordinary families, and their families do not have enough financial strength to support their extravagant spending, and many young people compare themselves with the people around them after entering college, starting from wanting an Apple mobile phone to wanting all kinds of luxury goods, and the satisfaction of this vanity needs a lot of cash to fill.

At first, they may just want to buy a mobile phone to satisfy their face or desires, and then gradually they find that this kind of money is very easy to come by, and they think that as long as they pay in installments, they have enough financial strength to pay. So they fall into the trap step by step, and they owe more and more money.

Secondly, the most terrible thing is to have a fluke mentality

These young people don't have a regular income** during their time at school, but they think they can earn enough money to pay off their loans when they go to work. These online lending platforms are taking advantage of this fluke psychology of young people, making them fall deeper and deeper, thinking that they will always find a way to fill this gap.

Gradually, they changed from repaying loans with living expenses to supporting loans with loans, and eventually formed a hole that could not be repaid, resulting in bankruptcy, and even paying the price of their lives.

In addition, many lawbreakers or people with bad intentions instigated them to take out loans

In order to improve their performance, many sales of mobile phones and plastic surgery hospitals have joined forces with various online lending institutions to instigate these college students who have no regular income** to take out loans to spend.

On the one hand, they tout how unlimited the potential of these college students is to pay off this part of the arrears, and on the other hand, they instigate them to operate online loans, which eventually causes many young people to fall into the trap of online loans.

Mainly today's young people, who have too high requirements for life and like to compare. As a result, there is often some consumption that exceeds one's ability, and at the same time, there is not enough self-control and the ability to judge the truth of things.

Maybe it's because young people don't have much concept of this kind of thing, so they do it on the spur of the moment, and they don't care about the consequences at all.

Because today's young people always consume in advance, coupled with their more advanced thinking, they always consume ahead of time, so they are frequently caught in the pit of online loans.

I think the main responsibility lies in the instability of young people's values, which leads to easy traps, such as short-term lack of money and the use of Huabei and borrowing when there is no money. When your needs are greater than you can afford and you can't compensate on a monthly basis, you need to use an online loan that requires interest to live a life of loan repayment.

Because of the current development of the Internet, young people pursue new things and electronic products, but they can't make ends meet and fall into online loans.

Because young people are under a lot of pressure now, and many people are particularly ahead of their consumption, they will take out online loans and finally bear the pressure of online loans.

Personally, I feel that young people don't have much experience in all aspects, and it's easy to get carried away by the small interests in front of them.

The Douban group "Debtors Alliance" quietly went on the hot search. This debt alliance with the post-90s generation as the main body is the life that many post-90s young people are experiencing. In this alliance, which has been established for more than a year, there are many debt groups, and the main reasons for their debts are entrepreneurship, games, advanced consumption, being pitted, and being trapped in the pig killing market.

But ahead of time consumption accounts for a large proportion of their debt. This is also the real situation caused by the irrational consumption of young people.

The reason why the post-90s generation has become the mainstream of the indebted population is first of all because of the prevalence of the concept of advanced consumption. Among most of the post-90s young people, advanced consumption is becoming more and more popular, and these people are becoming more and more dependent on credit and overdraft, and will go into debt once they cannot repay; Secondly, the wrong concept of consumption. These post-90s young people have not established a correct and rational view of consumption since they were young, and they always focus on enjoyment and ignore the consequences.

As a result, the individual's income and expenditure situation is seriously unbalanced, and eventually he is in debt; Finally, credit platforms are not exhausted.

First, the prevalence of the concept of advanced consumption. With the development of society, the consumption concept of young people born in the 90s is very different from that of the post-90s. The consumption concept of the post-70s and post-80s is more conservative, while the consumption concept of the post-90s generation is more advanced, they pay more attention to enjoyment, and form a strong dependence on advanced consumption.

Second, the wrong concept of consumption. The young people born in the 90s have not established a correct concept of consumption since childhood, they are very impulsive when they consume, and they do not think about the consequences of such consumption at all, which leads to a huge imbalance between consumption and income. Eventually make them a debt-ridden generation.

Third, the growth of online lending platforms. The emergence of online lending platforms also has a great impact on the wrong consumption outlook of young people born in the 90s. The emergence of these consumer platforms has connived at and promoted the consumption desire of post-90s young people, making them fall into the trap of using loans to support loans.

Are you in debt?

It may be because the post-90s generation now has the concept of advanced consumption and does not have too much moderation in spending money, so it has become the mainstream group of people in debt.

Because the difference between income and expenditure of the post-90s generation is too great, and some post-90s generations love vanity and like to buy some high-end brands to enhance their sense of superiority, but they are in debt.

Because all major e-commerce platforms have services for early consumption, such as Huabei Baitiao, they also hype up such consumption awareness.

Because the post-90s generation has now become the main consumer group, coupled with the advanced overdraft behavior. Therefore, it has become the mainstream group of people in debt.