Why am I still a moonlight clan with an annual salary of 120,000?

It should be that there is no pressure in life to "force" to save money When I just graduated, my boyfriend at the time, and my current husband are also moonlight. The latest electronic products, new clothes from time to time, weekend travel to surrounding cities, small long vacations all kinds of wandering. For most of the year, the two basically didn't save any money.

Later, I accidentally got pregnant and decided to give birth, and faced the pressure of buying a house and raising a child. Clothes are all about to be worn, and if you can, you won't buy them. Mobile phones, computers, and so on, the pursuit of practicality.

With children, it is not convenient to travel, so this expense is naturally reduced. My husband and I were amazed at how much money we were able to save.

Spending money is more lavish, and the outside world is now more attractive. Lots of fun and good food. and did not have a long-term financial plan, which led to becoming a moonshine family. Actually, I used to be one of them.

Earn more, spend more. Food, clothing, housing and transportation cannot be too inferior, otherwise others will look down on them; The relationship between leaders and colleagues should be taken care of to facilitate promotion and promotion; Entertainment consumption is indispensable, and spiritual pleasure is more important. All of this is not surprising.

Personally, saving money is an attitude, which has nothing to do with income and expenditure. However, China has been developing rapidly for so long, and the current household consumption power is okay, and it is controlled by the current consumerism, and the desire is greater, so it is naturally not difficult for moonshine.

The daily expenses are too great! I am a young man who does not smoke, does not drink, does not club, deducts five insurances and one housing fund and personal income tax every month, and gets about 8,000 yuan, and now shares a house with two people, I have to pay 3,000 yuan per month for rent (including property fees), and I dare not eat too well for 2,000 yuan a month. But sometimes a friend invites a guest, goes out for a trip, or registers for a class to buy books, and becomes a "moonlight clan".

Moonshine is normal. Start by accounting and sorting out the money you can't save. For example, ** fees, Internet fees, rent, water and electricity, living expenses, transportation expenses.

See which ones can be compressed, such as not taking a rental when you can take the bus. Make a list of the things you can spend or not, such as designer clothes, eat and drink in restaurants, and then you can save your money for a certain amount of money.

There are too many things to buy, what to buy, most of them are out of the house, what to do if they are missing? There are also girls who have a bunch of clothes, and they can never find the right one when they go out, so that's probably it.

For example, my monthly salary is 4,000, and almost half of my money is spent on food, drink, clothes, and daily necessities, and some of the money I either lend out or use it for other expenses. I've always felt like I don't have enough money to spend now, and I have to work non-stop.

Spending money is like running water. The money spent on shopping has become a pain in my heart, and when I spend money, I go out without blinking my eyes, and when I encounter something I like, I buy it without saying a word.

Young people's spending habits have already changed, and an increase in average income does not mean an increase in young people's income.

With the continuous development of the economy, judging from the data, the domestic per capita income has increased significantly. However, most young people in life are still moonshine people, which may have a lot to do with consumption habits and economic income.

An increase in per capita income does not mean that the income of young people is also increasing.

In China, per capita income is always an ideal figure. It's not that I don't want to believe it, it's that I can't believe it.

To take the simplest example, the average monthly income per capita in the area where I live has exceeded 5,000 a few years ago, and last year it was more than 6,000, but judging from the income of me and my colleagues, most people should be averaged.

By the same token, an increase in a country's per capita income is certainly evidence of rapid economic growth, but it does not prove that the income of young people is increasing. Young people may have earned 4,000 yuan a few years ago, but now it has risen to 5,000 yuan, but breakfast tofu brains have risen from one to two. Cheating tours.

The change in the consumption habits of young people has made many people not have the habit of saving money.

For our parents, saving money was a mark in our bones, because it made them feel more secure. But for today's young people, it is more mainstream to drink today and get drunk today.

Young people can earn 5,000, but the quality of life wants to run for 10,000, and it doesn't matter if they lack money. This also leads to young people spending more and more indiscriminately, and there are already a few people who spend a dime.

In addition, with the continuous development of digital positive currency, young people's payment methods are gradually online, which makes the Nian Bu Zhao Qing people have the illusion that spending money is not their own money, and they are very generous with it.

In order to avoid this illusion, I usually carry cash in my pocket when I go out, and I can feel distressed when I spend 50 cash out, but I don't feel at all when I pay 1,000 with my mobile phone.

Even in real life, the young people of the Moonlight Clan are mainly because of their consumption habits. Of course, there is nothing wrong with constantly pursuing a high quality of life, but always wanting to enjoy a life beyond one's own financial ability can only keep digging holes for oneself.

Learn to control your desire to spend money, and young people may be able to escape the spell of moonshine.

Then you take a look at the main items of the digging fee, and cut a few of the Tong cores.

If you lose a round, you have to save some money, and it doesn't matter if you spend the rest.

I have a deep understanding of the problem of young people, moonshine and debtors. Contemporary young people, on the surface, seem to have a quiet time, but behind the scenes, they don't even have flowers. I didn't make much money just after graduation, and the debt ratio has begun to climb.

From the moonshine clan to the debtor clan. When the post-80s generation first started working, the term "moonlight clan" began to become popular. Unexpectedly, by the post-90s, it has been upgraded to a "debtor family."

Indebtedness "can not only cause great economic pressure on people, but also generate great psychological pressure. Such pressure is unbearable for everyone. Because of the debt, it is impossible to arrange the entertainment life normally and buy the goods you want, which will reduce the happiness of people's lives.

Psychologically, everyone will feel that there is always a mountain "pressing" on their bodies and they can't breathe, and such days are the most difficult. In this way, how important is rational consumption!

My younger brother is a post-90s generation with an advanced view of consumption, and the first half of his salary is paid. It is to live the life of a human being. Half a month after the salary is paid, he lives as a beggar.

The main reasons:1It's too easy to spend money :

Now everyone can consume almost all industries with a mobile phone, from shopping malls to roadside stalls; 2.It is too convenient to borrow money: a person with a mobile phone number can borrow money from various platforms, such as borrowing and credit cards, which can be received in a few seconds and minutes; 3.

Consumption is too pleasant: No matter which platform you are consuming, this platform has a quota to spend this month first and then repay the next month, no matter what method you use to pay, there is such a limit, so that you can enjoy worry-free consumption; 4.Repayment hurts:

No matter how much you owe last month's consumption, at the point in time of repayment, it really just hurts, because even if the salary is just paid and all the repayments are made, it will be distressed, and although the wallet has no money for the next consumption, it will not affect the consumption at all.

Going out to dinner with friends, Tejo rushed to pay. He believes that money is for consumption and has no concept of money. Online debt Lei Lei. This view of consumption has been very sad for my family.

Some young people have a monthly salary of tens of thousands, go out to rent water and electricity, living expenses, and there is not much left, the moonlight family is very normal, and now the consumption in first-tier cities is indeed very high, and the consumption in second- and third-tier cities has increased several times compared with previous years, especially the increase in houses dozens of times. If you have bought a house or a car, you have to pay off the mortgage and car loan every month, which is a lot of expenses.

That's because life is very stressful now, and they all live in first-tier or developing cities.

Because many people usually spend a lot of money, and some people live in first-tier cities and have relatively high consumption, they are also moonshine people.

A high income does not mean that you can save money, because in today's society, the expenses are too large. Monthly mortgage, car, living expenses, if there are children, and children's expenses, these are far more than 1w.

When most people upgrade their income, the speed of consumption upgrade is faster, and as the desire to consume continues to escalate, the speed is too fast, resulting in the final income cannot cover the expenditure. The higher the salary, the greater the responsibility. As wages rise, so does the responsibility for the family or the other half, and most of the family's expenses or love expenses are paid by people with high wages.