How do indebted young people get into debt? How can you change the status quo?

I think there are two main reasons why young people fall into "debt":

On the one hand, the concept of consumption is different, the current post-90s, post-00s accept the concept of advanced consumption, overdraft the future money to meet the current needs, this consumption concept spawned by the "a certain Bei" and "a certain loan", so that the money overdraft becomes very easy, and often creates the illusion of low debt and easy repayment, resulting in young people are easy to open the valve of money when they consume again, frequent consumption, and high consumption amount.

On the other hand, the biggest difference between the post-70s, post-80s and post-90s and post-00s is that in addition to the concept of consumption, there are also differences in the concept of financial management. The post-70s and post-80s generations have a strong sense of storage, and every money earned will be spent as little as possible, all of which will be deposited in the bank, and there are also a few people who make **** investments. Today's young people are in a diametrically opposite situation, with a small number of people who save regularly, and there is basically not much left after paying off the arrears of the previous month every month, and they have to arrange several activities such as going to restaurants, watching movies, and visiting shopping malls.

And a considerable number of young people will make **, ** investment, capital instability is very high, it is easy to fall into debt.

The attitude of enjoying the present moment and being satisfied in advance reduces the estimation of potential risks among young people, and many people are confused even when they fall into debt. When I was in the investment industry in 2007, I was also saddled with a huge debt of tens of millions due to the financial crisis, and I never thought that I would be burdened with such a huge amount of debt. At that time, I was remorseful and confused, and wanted to continue to start a business to pay off debts, but I was always losing money, so I had to temporarily give up the idea of starting a business, work to pay off debts, and gradually pay off my debts until I found a suitable industry "housekeeping", and now I have been doing housekeeping for 13 years and have my own housekeeping company.

So it's not terrible to be in debt, but as long as you find the right direction and have firm beliefs, there will definitely be a day when the rain passes and the sky is clear!

Friends who are in debt, don't panic, first of all, you must make it clear how much debt you have, which ones are more urgent in the repayment period, and these should be repaid at the top and make an orderly debt repayment plan. Friends with a relatively generous repayment period can enter the housekeeping industry, the market of the housekeeping industry is large, the prospects are good, the difficulty of learning a housekeeping technology is low, and you can take orders as soon as possible, as long as you are not afraid of being dirty and tired, you are willing to go to the house to serve, and the monthly income is not a problem.

Friends with tight repayment periods, if you have strong communication skills, can run the market, are willing to work hard, and are willing to try to start a business, you can also join housekeeping, which has low risk, less capital, and less practical difficulty. But we must always remember that starting a business is risky and should be operated with caution.

It's not terrible to be in debt, it's terrible to be crushed by debt and not have the courage to repay it.

First of all, because young people's consumption concepts are relatively advanced, and it is very easy for them to apply for credit cards and online loans. At the same time, they enjoy life very much. The cost of living is also relatively high.

Young people just spend too much, earn too little, and have a lot of debt, and I think young people can start their own businesses or work hard to change the status quo.

These young people are in debt because they want to buy a house, and the best way to do that is to increase their income so that they can make a difference.

Some people say that it is caused by the laziness of young people now, in fact, this statement is too one-sided, the country is getting richer and stronger, democratic, civilized, and then the consumption level is improved, and the expenses are large, for example, in terms of comparison, others have cars and houses, why don't I have them, the principle of loans is to enjoy first and then suffer, and the east wall is demolished to make up the west wall, the pressure is quite great, but according to the current form, we are still happy in the 90s. According to data, the debt of the post-90s generation is twice the monthly income, and the per capita debt is as high as 120,000.

The post-90s economic situation Alexander, 70% of young people are in debt in installments, 20% of young people have not saved money, and 31% of young people borrow on more than 4 platforms.

The reasons for debt are generally as follows:

1. Major illness in the family, debts caused by family members, etc

2. Marriage expenses such as marriage room, bride price, etc., at present, the debt of most young people is nothing more than this situation.

3. Children's education, at present, some small and middle-class people try their best to enter prestigious schools for the better development of their children.

Private schools, or studying abroad at the junior high school level, this part of the cost is unacceptable to the average family, and such people will definitely borrow money in the later process.

4. The change of consumption concept and the uncontrolled development of Internet finance have caused some college students to become the largest debtor group in the Internet financial system.

5. The low income of wages and the increase in the cost of living in the society, the current wage growth is far lower than the cost of living, renting, living expenses, etc., so that most people have formed the thinking of spending tomorrow's money, although the society is progressing, but the hidden dangers also exist.

6. The investment business has failed, the company's operating costs have been increasing, but the overall profit has been declining year by year, and some store companies have been forced to close their doors, leaving them with a basket of debts.

Due to the fact that there are now many credit cards and Huabei that can pay young people for early consumption, and the wages in society are getting lower and lower, and the ** of consumer goods is getting higher and higher.

Perhaps it is because many young people nowadays are accustomed to spending in advance, and the way to consume in advance is also particularly convenient, so this situation has been caused.

Most people are in debt because of the rising standard of living, which incurs additional consumption. And if you can't keep up with your own salary, you will go into debt. To put it simply, there are three points, one is that the cost of marriage is high, not counting cars and houses, it will cost hundreds of thousands; Second, the garage is high, although some models are low, but when the living standard cannot keep up, tens of thousands of yuan also need to be loaned; The third is children's education, aside from tuition fees and make-up classes, which is also a large amount of expenditure every year.

For ordinary families, the first big consumption is the marriage of children, and the main cost here is the bride price.

and banquets。From the public level, the bride price is about 200,000 to 300,000 yuan, although some people will bring back some of it, but most of them are directly to each other. Now that people's living standards are high, it is not difficult to save two or three hundred thousand, but this time it will empty the whole family.

Next, there are various expenses, aside from the house and car, it will cost forty or fifty thousand yuan. Once you get married, you will empty your family, and at this time everything has to start from scratch.

The second big consumption is to buy a car and a house, and the car is high and low, and the ordinary 100,000 can be done. But after getting married, the family has been emptied, and the only option to buy a car is a loan. When the car loan is paid off, the children are also croaking and thinking about buying a house.

The young couple didn't have much money, so they could only let their parents take the down payment and then pay the mortgage together. Ordinary houses plus decoration, to say the least, cost seven or eight hundred thousand, and they have no savings, so they have added a loan for 20 years. During the repayment of the loan, it is also necessary to consider the education of children, and various expenses make modern people in debt.

In the past, people hated "gnawing the old people", but now everyone is "gnawing the old people". There is no way to do this situation, college students only earn three or four thousand a month in small cities, and they can't save much money without accommodation and daily expenses. The average person who graduated from college is about 21-23 years old, and they may get married in two or three years, and they can only spend their parents' money at this time.

It may be that the pressure of life is relatively high, the salary is not so high, and the demand for life is getting higher and higher, the housing price is more expensive, and most people buy a house through a loan.

Because many young people will overdraft their credit cards or other software to buy luxury goods they need, resulting in a situation of debt.

Because the price is in the first place, and the economic pressure is relatively large, many people want to borrow money to buy things, so they are in debt.