What is your view of consumption?

My view of consumption is that I must pay more attention to the hidden benefits of consumption, that is, think more, what can I get in the long run by spending so much money?

I saved up decades ago to buy woolen scarves, wool coats, leather jackets, watches, ......Now take out the same casually, not only can you wear and use, but also not vulgar and earthy, but each piece reveals a retro style. Because of the hard work, so buy carefully, the materials are first-class, the style is simple and classic, in order to stand the time consideration. It is also because it is not easy to come by, and the old things that are used very carefully and properly maintained can show the owner's cultivation.

I rarely buy things, I do need them, I spend a lot of effort researching, and then buy the best and easiest things I can afford. My view of consumption is that the pursuit of simplicity and quality is obviously a more mature attitude towards life.

Control within what you can afford.

Once, because I took a fancy to a backpack, but the salary had not yet been paid, I used a loan on Alipay. The backpack was bought, and when I had to repay the salary, I felt that the bag was not a necessity.

The capital expenditure that had been arranged, because of the consumption of the backpack in advance, caused the plan to buy books to read was put on hold.

Since then, the refusal to advance consumption has begun.

When I get older, my concept of consumption has slowly fixed from the previous random shopping to buy textured things, not that you must buy expensive or brand-name products, but within your own economic ability to bear the texture is better, so it is not easy to buy a lot of useless things to cause waste, if you encounter a special favorite collection, even if it is very expensive, you can also buy it to treasure.

For example, I now live near the company, and I have a lot of time after work every day to exercise, read books and recharge, which can be profitable in the long run. Because your time is much more important than money, don't be afraid to spend money to buy time, and you will know later that time is much more important than money.

As a recent college graduate, I am a conservative, rational consumer, when consuming, most of them will choose goods according to the quality of goods, I think it is personal income that determines my consumption level, I will not take out a lot of money to buy luxury consumer goods.

If you consume an item, if it is for long-term profit, then it depends on whether your money can be paid for a long time. If it is expensive, it is useless to have one or two times, and if your spending power is only at this level, this is something that is not necessary to buy.

When you have money, buy something you like, buy things for the people you want to give, but not beyond your ability, in short, don't take out a loan to buy anything, you can't save money to buy it, but never borrow money to buy it.

What income and what consumption, resolutely do not borrow money, Huabei credit card? I won't use it in this life, I really don't understand, I discuss with my colleagues on the first day of every salary, and go out for a buffet after the salary is paid! They'll all reply that I don't have any money and I'm spending it, is that interesting?

I really don't like the feeling that I can't get anything for giving my salary to someone right away.

My consumption concept is not to be led by the nose by the trend, shopping must be planned, I think, fashion advertising is in a sense a kind of high-level fraud. Ads tend to create a great way to live and make you feel like you have to buy them. For example, many car ads will make you feel that the family has to own a car to be perfect; Or, handsome men and beautiful women must have a car to be chic enough, etc.

However, the cost and hassle of owning a car is not advertised at all. Therefore, don't believe the beauty in the advertisement, and think more about your own consumption.

When I used to buy something, I didn't think about anything, I looked good or just based on personal preferences, I bought it if I wanted to, and I didn't want anything else, and it didn't matter if he was practical, or he only saw that it was cheap, and he didn't consider the quality at all, and there was basically no way to use it when he bought it back, sometimes in order to buy a piece of clothing, he might have to eat instant noodles for a week, and there were a lot of things, it was useless to buy it back, or he barely used it once and didn't know that he was thrown into it, and now with the increase of experience, I will consume rationally, First, you must buy a practical one that suits you; At the same time, it will also be based on its own actual needs, will not blindly consume, the most important thing for people is to be self-reliant.

What is the consumption concept of monthly salary and annual salary? The year-end bonus or rate of return can be pondered.

According to the conditions, do not compare, be content and happy!

The daughter is scattered and comes back, don't make the gold bottle empty to the moon".

My consumption concept is that I will earn only when I can spend, so when I encounter something I like, as long as it is within a reasonable financial range, I will buy it decisively. Then motivate yourself even more to work hard and earn money.

My consumption concept is to be calm. Because some people just spend on impulse. At a certain moment, you like something very much, and then you buy it, but the one you buy back is of no use to you, or you don't really like it that much at all.

For people who are prone to impulse purchases, it's best to set yourself a shopping rule. For example, if you buy an item online, add it to your shopping cart first, set a one-week buffer time, and after a week, if you still want it, you can buy it again. In addition, when you go to the supermarket to shop, you must also make a shopping list first, otherwise it is easy to be affected by some ** propaganda and inadvertently buy some goods that are rarely used.

My consumption concept of buying clothing is simple and convenient. I support the style of Jobs and Zuckerberg: buy 10 pieces of the same T-shirt, and wear it for more than ten years.

Their idea is: try to keep things simple in life, make fewer choices, and don't waste time on things that don't make sense. So, I don't have to choose clothes at all when I dress every day, because it's basically the same style, and I can take it with my eyes closed.

1. Learn to spend money to buy time.

An easy measure is your own "hourly rate". If you do one thing, you have to spend more money per unit of time than your hourly wage, and you can still save a little; If it's more than an hourly rate, you can outsource it to someone else.

The same goes for choosing a residence that is closer to the unit. You will find that by saving 2 hours of commuting time every day, you may have more time and energy after reading books that others have not finished reading for months.

Second, the best consumption is investment.

There are two levels of investment, one is the asset level, and the other is "invest in yourself".

The most fascinating thing in economics is "compound interest". If you save $10,000 at the end of this year, assuming an annualized interest rate of 10%, you will have $170,000 in 30 years.

Wealth management can increase returns, but investing in yourself can increase the principal.

I have actually written about "investing in yourself" in many articles, but some friends asked "how to invest in yourself", and I will briefly mention it here.

On the one hand, it is to improve one's core competencies in the workplace, including communication, relationship, information and consulting. These abilities are needed for any position, but the ratio is different. It can be obtained by reading books or attending training.

The other aspect is to invest in your own interests. Interest can greatly enhance people's satisfaction with life, and interest is also a potential income**. For example, at the beginning, I wrote without any utilitarian mentality, but later because I had a contract payment, my hobby became a side hustle.

There are also some friends who like photography, and their hobbies gradually bring income.

You can also choose to study for certification. A sufficiently valuable credential can provide you with a better endorsement for your future career development, and of course, it also means a higher income.

I hope everyone can consume rationally and reap wealth and life as soon as possible

My consumption concept is that I try not to buy anything that I can rent, especially large items, for example: for a house, I am more inclined to rent at the moment. The landlord's home appliances include air conditioners, refrigerators, and washing machines when renting a house.

Because the cost of owning a commodity is not only the cost of the item itself, but also the depreciation of the goods, maintenance costs, secondary handling costs, etc.

A reasonable view of consumption is based on one's own income. Under normal circumstances, spending within 30% of one's income is a reasonable consumption concept.

live within your means and consume moderately; Avoid blind obedience and rational consumption; environmental protection, green consumption; Be diligent and thrifty, and work hard. Only by establishing a reasonable consumption concept can we cultivate a healthy attitude towards life, plan life scientifically, and cultivate a correct view of money and values.

The core of various consumption behaviors that meet the standards of human health and environmental protection is sustainable consumption. The characteristics are: saving resources and reducing pollution; Green life, environmentally friendly purchase; Reuse, reuse; Classification**, recycling; Protecting nature and coexisting with all things.

First of all, live within your means and consume moderately. The principle of moderate consumption is to require people's consumption to adapt to their own economic affordability, and its essence is to live within their means, grasp the limit, and not catch up with fashion.

Moderate consumption is not to lower the standard of living, it requires the pursuit of the middle way, to avoid "excessive" and "not enough", within their own economic affordability, should advocate active and reasonable consumption and can not advance consumption, nor can it inhibit consumption, otherwise, on the one hand, it will affect the quality of personal life; On the other hand, it will also affect the development of social production.

Second, we should pay attention to green consumption. Green consumption is a general term for various consumption behaviors that meet the standards of human health and environmental protection with the main purpose of protecting consumers' health and saving resources, and the core is sustainable consumption.

To truly establish the concept of green consumption, it is necessary to carry out extensive publicity and education on ecological civilization, enhance the awareness of ecology, environmental protection and conservation among the whole people, and promote people's consumption choices to be more inclined to green food, green household appliances, new energy vehicles and eco-tourism and other products and services, and truly uphold the concept of scientific development and sustainable consumption, and establish the concept of green consumption.

Finally, consumers should also carry forward the spirit of thrift and hard work.

A reasonable concept of consumption is to determine one's own consumption level according to one's own economic income capacity, not blindly follow others, and at the same time to buy according to one's own living needs, not extravagant and wasteful, to be frugal and spending, so that you will develop a good concept of consumption, which is very beneficial to your own life.

A reasonable view of consumption should have the following two points.

1. Live within your means and consume moderately.

2. Avoid blind obedience and rational consumption: consumption should be based on your own needs, and it should be suitable for your own needs. And when consuming, we must be assertive, do not follow the crowd, do not follow the crowd, and chase the limelight.

Consumption within the scope of one's own consumption capacity is reasonable consumption, and excessive consumption beyond one's own consumption capacity is an unreasonable consumption concept.

I think the concept of reasonable consumption, that is, try to save a little where you can, and spend when you should spend it. Because every sum of money is hard-won, you must be careful in your budget. Use your money where it can be used.

At most, buy one or two pieces of clothes every month, if it really doesn't work, then don't buy it without a trial, if there are still clothes that can be improvised and continue to wear. Or to participate in the concept of financial management, let your consumption concept change greatly, follow the financial teacher, you can save a lot of money every month.

The reasonable concept of consumption is the following three concepts:

1. What should be bought must be bought.

2. Try not to buy things that can be bought or not.

3. Resolutely do not buy things that should not be bought.

If you do this, you can think of a reasonable view of consumption.

A reasonable concept of consumption is that it is reasonable to do things or consume. That is, for example, if you don't need to buy this thing, don't buy it. Or the item is very expensive, beyond one's own means, and he doesn't buy it.

It is necessary to consume in line with one's own economic capacity. This is the rational concept of consumption.

A reasonable concept of consumption is actually not to pursue too much material enjoyment, live within your means, and make as much income as possible. What level of consumption is to determine your consumption concept based on income. Do what you can.

A reasonable view of consumption means that everything is more reasonable and everything is relatively normal. And it is a consumption that you can afford.

What is a reasonable view of consumption? A reasonable view of consumption is no. Spending beyond one's financial means. The spending power should be in line with your income level, and don't blindly consume. This is a reasonable view of consumption.

A reasonable view of consumption is actually determined according to an individual's income. It is the consumption power or income capacity that you can afford, and then make a certain amount of consumption, or according to yourself. The consumption of a part of the income level is considered relatively reasonable, and the excess may be considered unreasonable.

A truly reasonable concept of consumption means that we should buy what we should buy, and resolutely not buy what we should not buy, so as not to form waste and backlog. Be rational in consumption, don't buy and consume blindly.