Can anyone tell me what the Moonlight Clan is thinking?

In a word, in the want to enjoy the present.

Anyone who achieves success has a strong ability of self-control, and this ability is called "delayed gratification".

In other words, they have a clear goal, and they can give up a lot of things for this goal, and the ultimate goal is the satisfaction of being able to achieve the goal, which is incomparable to anything including money.

The Moonlight Clan lacks this ability, and if they want to get rid of the Moonlight, they need the following methods:

1. Throttling. To put it simply, it is to use a part of the expenditure rationally and create greater value with less money, and the following aspects need to be paid attention to.

1. Distinguish whether this consumption is needed or wanted.

Need is a necessity of life, and without it will affect the quality of life, and this money should be spent.

If you want to satisfy vanity, without it will not affect the quality of life, this money can be spent or not, and you must plan to avoid falling into financial crisis.

2. Distinguish whether the consumption is an investment or an expense.

Investing can give you a reward, while spending will make your money go away.

3. Start bookkeeping.

Bookkeeping allows you to know where your money is going, and then analyze whether your spending is reasonable.

4. Learn to control your desire to consume.

The key is in this point, the difficult is difficult, the easy is easy, and we must pay attention to the method.

First, take a long-term view.

If you want to think about the necessary expenses such as getting married, buying a house, children's education, pension, retirement, etc., and plan for these stages, then you will also have more eyes when you consume.

Second, have your own goals.

Poor people are poor because they lack the ambition to be rich. This is the standard answer recognized by all wealthy people, the establishment of life goals, you can gradually cultivate your ambition, think more about how you feel after success, let yourself work hard, and do not hesitate to cut back on food and clothing.

Second, start getting involved in the tools that add value to your money.

In terms of risk and return, from low to high, they are:

Fixed savings, bonds, bank wealth management products, insurance, real estate, collectibles, foreign exchange, lottery, etc., and there are many derivatives.

Determine the direction of the allocation of funds step by step.

Achieve your financial goals such as getting married, buying a house, having children, education, supporting and retiring.

Generally speaking, you can choose 3 or 5 of them.

2. Divide your income into n parts (such as living expenses, debt repayment, buying a house**, etc.), and pack them separately.

If you have saved a certain amount, you can put it on the appropriate value-added tools (Note: As a means of compulsory savings, regular investment is a good choice.) ）

I wish you a speedy departure from the Moonlight Clan and a happy and stress-free life.

Pension life is diversified, leisurely, free, rich and leisure, if you are in good health, you can travel everywhere or something, if you are not in good health, you need someone to take care of it, it may add a burden to your children, and you have to calculate whether the pension is enough. Personally, if you want to live a comfortable old age in China, if you are in a first- or second-tier city, you have to have more than one million savings estimates.

At present, the burden of pension in our country is also becoming heavier and heavier with the reduction of fertility, and it is reported in an article that our country's pension will be exhausted in 2035, which shows that China's future pension problem cannot be underestimated, and after 2022, the aging rate will be further accelerated, and the future demographic structure will undergo major changes.

Although most people still believe that the state will increase support for the elderly, but as an individual, they also have to take precautions and plan in advance for the future of the elderly. After all, the original intention of the birth of the public pension system is to help the poor rather than welfare, so young people really shouldn't be moonlight, force unnecessary expenses to be reserved, develop the habit of saving first and then spending, improve financial management ability, and saving is the best guarantee for life.

The Moonlight Clan refers to a group of people who have all the money they earn every month before the beginning of the next month and are all used up and spent. Moonlight people are also used to describe a type of person who does not make much money and can only maintain the basic monthly expenses with a monthly income. "Moonshine" is the favorite consumer of merchants because they have a strong desire to consume, and more importantly, they have a strong ability to make money and have money to spend.

The Moonlight Clan refers to a group of people who have all the money they earn every month before the beginning of the next month and are all used up and spent. Moonlight people are also used to describe a type of person who does not make much money and can only maintain the basic monthly expenses with a monthly income. "Moonshine" is the favorite consumer of merchants because they have a strong desire to consume, and more importantly, they have a strong ability to make money and have money to spend.

The Moonlight Clan refers to people who spend all the money they earn every month without any savings! The consumption concept of the moonlight clan is "how much you earn, how much you spend, eat up and use up your body to be healthy, and you can earn more if you can spend!" ”

The moonlight clan is to spend their salary every month, that is, moonlight, to describe a group of people who spend their salaries every month.

The reason for the existence of the Moonlight Clan:

1. Different consumption concepts. Now young people's consumption concept and the previous generation of consumption concept is different, today's young people consume ahead of time, love to spend money, need consumer credit to provide financial support, so credit cards and Huabei are popular, overdraft consumption is a common phenomenon among young people now.

2. Comparison psychology. The psychology of comparison will lead to the existence of high consumption, and it will also lead to unnecessary economic expenditure. The psychology of comparison is irrational consumption and is not worth advocating.

3. The economic pressure of housing loans and car loans also leads to an important reason why young people become moonshine people. When you pay the mortgage and car loan every month, you will find that you have little left in your pocket, and the remaining money can only meet the basic needs of each month. This kind of economic pressure is also the general status quo of the Moonlight Clan now.

4. The improvement of living standards and the price of goods are also the reasons for the existence of the moonlight clan. With the improvement of living standards and the continuous price of goods, money is becoming less and less valuable.

5. Low eye and low hand is a common phenomenon among young people nowadays, and it is also the reason why young people become moonshine clans. Young people in the workplace are not high or low, there is no stable job, and it is not advisable to change jobs frequently. In our work, we must be conscientious, down-to-earth, think twice before doing everything, do not be reckless and reckless, and conscientiously complete the existing work.

Moonlight family, a popular word on the Internet, people who use up and spend all the money they earn every month, the so-called eat up and use up, and be healthy. The moonlight clan is generally the younger generation, they are different from their parents' thrifty consumption concepts, they like to chase the trend, dress up and buy beautiful clothes, as long as they eat happily and dress beautifully.

You can buy it if you want, and you don't care about money at all. "Moonlight" people have knowledge, brains, and ability, and spending money not only expresses their crazy love for material life, but also their motivation to make money. The elders believe that "when they will make money as well as they will, they will be saddened by their behavior; And their motto is "you can earn more if you can spend", and you can enjoy spending all of them.

The disadvantage of the Moonlight Clan is that they lack life tempering and don't know how hard it is to make money. In addition, there is a lack of financial training and will not manage expenses. There is also a lack of communicative practice to make money fill the emotional void, and many are still dormants.

The moonlight clan is all the income used up, and nothing is left.

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The money is spent every month, and the money cannot be saved.

The wages that could not be saved were spent.

What are the characteristics of the Moonlight Clan in Beijing?

Moonshine - it means that every month is light, of course, it is to spend all the money.

Moonlight Clan, Moonlight Clan refers to people who use up and spend all the money they earn every month, the so-called wash and eat it all, and they are healthy. The moonlight clan is generally the younger generation, they are different from their parents' thrifty consumption concepts, they like to chase the trendy, dress up and buy beautiful clothes, as long as they eat happily and dress beautifully, they don't care about money at all.

At the same time, it is also used to describe a type of person who does not make much money and can only maintain the basic monthly expenses with a monthly income.

The word is a neutral word, and there is no absolute positive or negative connotation.