How serious is the advanced consumption of young people now? Why are you in debt at a young age?

For the vast majority of young people at present, there is advanced consumption.

When buying some valuables, even if there is not so much money in hand, they will choose to buy in installments, which leads to these young people have no specific concept of money, and even have a wrong idea that they are very rich, but they don't know that the money is not their own at all, and the final result of this behavior is that these young people owe more and more debts, and eventually fall into the bottomless pit, and it is difficult to fill the pit.

Let's give you an analysis, why do young people like to consume ahead of time, like installments, take the Apple mobile phone worth 10,000 yuan as an example, if you take out so much money to buy this mobile phone at once, you will definitely be very reluctant, after all, most young people don't eat or drink for two or three months to save 10,000 yuan, but what if you change the way of the period? If it is 12 periods, less than 800 yuan per month, you will feel that you can completely afford it, this 800 yuan is the money to go out to play every month, buy a mobile phone and don't go out to play, 800 will be saved casually, and even some young people will have a kind of idea of picking up a mobile phone for nothing, in this kind of thinking, advanced consumption seems to be a matter of course.

It cannot be said that it is necessarily wrong to consume in advance, and in some cases, through Huabei.

Credit cards to spend ahead of time can reduce some of everyone's financial burden, but the premise is that you must be able to afford the amount of this part of the advanced consumption, if it is beyond your affordability, the hole you dig yourself will get bigger and bigger, until you can no longer afford to pay it back. According to the survey, at present, most young people have the habit of spending ahead of time, especially when buying items with higher value, installment has become the norm, which is no problem, but everyone must do what they can, and don't let their desires get carried away.

Some people have always scoffed at advanced consumption, thinking that this is a kind of greedy vanity and even ruining their own life, without this economic ability, just enjoy what they can do, don't always think about using the capitalist's money to realize their own wishes, so it is often themselves who are hurt, I don't know what everyone thinks about advanced consumption? Do you have this habit in your daily life?

Yes, it is particularly serious for young people to consume ahead of time, and it will cost 3,000 or even 4,000 yuan to earn 2,000 yuan; It's because young people now want to buy too many things, these things are very expensive, and their wages are relatively low, so they are in debt and can't make ends meet.

Nowadays, young people's advanced consumption is quite serious, and they need to repay credit cards every month, even Huabei; The reason why they are in debt at a young age is because they have a very strange concept of life and want to enjoy superior living conditions.

Now the advanced consumption of young people is very serious, the moonlight clan can not be described, the whole is a debtor family, the key is that there are too many things to buy, and they are very expensive, so after buying it, they are in debt.

Today's young people are ahead of their time.

The ability is very serious, and many young people are already in debt at a young age. Because when young people nowadays apply for credit cards, as long as their personal consumption records are normal, they can directly apply for credit cards. The limit of each credit card generally ranges from 3,000 to 5,000 yuan, and young people have become accustomed to the ability to spend ahead of time by applying for credit cards from various banks.

Every month, as long as you see what you like, you buy it first, so that you can use the salary you earn that month to pay off your credit card.

Nowadays, when many young people apply for credit cards, they generally choose to tear down the east wall and make up the west wall, and running multiple credit cards will slowly lead to young people becoming indebted. The main reason is that when contemporary young people buy things, they don't think about whether they are useful to themselves at all, but because they like something, they want to consume it in advance. At the same time, contemporary young people are also consuming to satisfy their personal vanity.

In order to be able to show off what you have purchased, it is worth attracting praise from others. <>

For contemporary young people, when they use mobile phones or bags of luxury goods, they will choose to spend a lot of money to buy. But young people don't think about their earning power at all, young people should know how long legs to wear and how long pants they wear, and don't buy all kinds of luxury goods because they love face. Such luxury goods are not suitable for young people, and at the same time, young people will look very tired when they repay the loan after consumption.

People at a young age begin to go into debt, and according to news reports, 80% of the post-90s generation.

There is no deposit in hand, but a lot of debt. Even most young people tear down the east wall to make up the west wall, and use their current month's salary to pay off the previous month's bank loan.

It's not okay to live like this every month. Even some young people will start looking for various online loans when they have no way to pay their bank loans, so that the amount of loans for young people becomes more and more.

Now young people's advanced consumption is very serious, according to relevant statistics show that nearly 70% of young people are in debt, many people's wages are not high, but the monthly consumption is very high, if there is no money to go to the online loan, and there are many people who have just graduated on the mortgage and car loan, now young people are in debt has become the norm, high debt will also bring a lot of pressure to these young people, once unemployed, then these debts can not be repaid on time, resulting in the impact of credit.

Now young people's concept of consumption has changed, the older generation likes to save, no matter how much money they earn, they are reluctant to use it, and they save the money in the bank or put it in their own homes for emergencies, but now young people don't think so, they feel that the money is constantly depreciating, so they earn a lot and use a lot, and many people also go to consume in advance, and they can't afford to buy things.

Nowadays, young people are under a lot of pressure, and consumption in big cities is very high, resulting in more debts among young people. Sometimes it's not that you want to be in debt, but this society forces these debts on your head, for example, many people want to get married, so you have to buy a house and have to repay the mortgage every month, and the big city is not better than the countryside, no matter what, you need money, so the daily consumption is also very high, and many people only need to maintain the normal operation of life through debt, so there are many young people who are fleeing from Beijing, Shanghai and Guangzhou, and returning to their hometown to work hard.

Now young people's wages are lower, but the desire to consume is stronger, and the comparison is very serious, especially like to pursue some brand-name bags and watches, see others buy an Apple mobile phone, they also want to buy an Apple mobile phone, but many people do not have this kind of consumption power at all, so on the Internet all kinds of loans, I think young people must face up to their own economic strength, do not develop the habit of advanced consumption, when the time will make themselves in debt, and when you need money, there is no money.

Nowadays, young people's advanced consumption is very serious, and they will often use Huabei and credit card borrowing; Because young people nowadays buy a lot of things, and some people buy very expensive things, and their wages are not so high, so they can only use credit cards and the like, so they are in debt at a young age.

Young people basically have no concept of consumption, and the level of consumption has been constantly improving, and the situation of advanced consumption is relatively serious. The main reason is that young people have no planning for consumption at all, and lack of basic consumption concepts, which will lead to a situation of debt.

I don't think it's serious at all, the reason for the debt is that the housing prices are too high, so everyone is carrying hundreds of thousands of mortgages.

At present, more and more people like to consume in advance, such a way of consumption is easy to cause personal borrowing and consumption, which will cause personal credit problems, and at the same time, advanced consumption will also make more and more young people develop very bad consumption habits, can not save money, and spend tomorrow's money today, this phenomenon is widespread.

It will make the future life insecure. It's very difficult to actually use the money. It will make you very unconfident.

Sometimes it can be very humble for money. I will also let the people around me point fingers at us. I feel that we have an incorrect concept of consumption.

It will make young people have a negative attitude and only know how to enjoy. For situations that cannot meet themselves, they may choose some loans and end up unable to repay. It is also possible to develop a bad habit of luxury.

It will lead to a lot of debt, and it will also lead to a very stressful life, and you will not even dare to quit your job when you are working, because if you resign, you will not be able to repay your credit card.

There will be a lot of bad effects, and there will be a lot of financial pressure. In times of crisis, there is a great lack of money. There may be a lot of debt, and the mental stress will be great.

Now that more and more young people are spending ahead of time, what will be the consequences of this?Young people consume in advance", these three bad effects can not be ignored, it seems"!

The internet can change a person's life, but change doesn't mean a good thing. For many young people, thanks to "super consumption", you can buy some of your own consumption even if you are under-consumed. products, so to speak, Alipay flowers are the culprit of all the culprits, you have to know that young people increase "leading consumption", these three bad effects can not be ignored, look"!

Young people are obsessed with "advancing consumption", and these three inappropriate effects cannot be ignored, and they are well known.

The first negative effect: it is easy to produce poor consumption habits;When you can't earn super spending, many people are afraid to spend money, because once the money is gone, then really, but there is super spending, even if it needs to spend quota and there is no money to repay yet, or you can choose the minimum repayment or ** repayment, which can be better than the consumption pressure.

Second Adverse Effect: It is easy to trigger personal credit problems;In addition, there are risks, as of this year, the flowers have begun to gradually enter the central bank contributions, which means that if they are unexpectedly overdue, they will affect personal credit.

Third Adverse Effect: I Can't Save Money; Many young people, because they are addicted to "early consumption", have not yet made, have not restrained themselves in time, and as a result, do not save money, maybe for a few years, your work income is used to repay, but there are roots without savings. When it really needs to make a home, it's stretched.

Many people tend to have a hard time adjusting their spending habits and spending, and this is a very normal situation, which has something to do with some concepts in my mind. Of course, this also shows that our people are a desire, and even in the current society, many people do not hesitate to sell their original pure hearts in pursuit of the ultimate story and desire.

But I have to say that everyone can still do what they want, and success is rational consumption and mastering their wealth. Of course, you have to do it first, but you get rid of the previous idea and establish the right concept of spending money, you have to do a long-term management of your wealth. If you are already on this path, I hope you succeed in getting rid of the original idea to work on.

It will have very serious consequences, some people have no savings at all, so they will think of taking out a loan, and then ** road, or when they encounter some emergencies, they have no money left at hand.

It will make young people's lives more and more stressful, and advanced consumption is to spend the money that you don't get first, and if you don't have the ability to repay, it will also reduce your creditworthiness, which will increase the difficulty of buying a house and taking out a loan in the future.

Once you can't pay it back, it will affect your credit information, and it will be difficult to take out a loan to buy a house in the future.

I think this is a very normal thing, because there are many young people who will consume ahead of time, so we must look at it rationally.

At present, young people's advanced consumption patterns have become commonplace, and now young people, life pressure, shopping demand is relatively large, there are often advanced consumption behaviors, and their own economic ability can not reach, so it will be formed, more and more advanced consumption, with more debts, although this kind of behavior is commonplace, but I think young people should master the degree of consumption, do not overconsume, to extravagant waste, according to their own economic strength for consumption.

As we all know, now that the Double 11 event has begun, many people like to buy and buy on the Internet, especially Wei Ya and Li Jiaqi's live broadcast room, which was a big hit overnight, selling more than 10 billion **, which is many times that of many listed companies, so some people will have such a question, is it a disease for young people to consume ahead of time? I think it is a bad behavior to consume in advance, especially in the student stage, because at this time, if we always develop the habit of spending ahead of time, then we will not manage money after work in the future, so it will be difficult to live a difficult life. But sometimes we also have to have the mind to consume ahead of time, such as buying a house and a car, you can enjoy it in advance, and then pay it back slowly.

One. Spending ahead of time is not a good behavior.

Everyone knows that at the time of Double 11, many people want to shop, in fact, at this time, it is cheaper to buy things, not only the discount price given by the store, but also the full reduction activity, so many people will choose to shop at this time, but we also have to buy some more practical things according to our own life needs, if a thing is particularly cheap, but you can't use it in your life, there is no need to buy. Advance consumption is not a good behavior, in fact, it is to overdraft our economy in advance, and now many young people do not have families, but they are still burdened with a lot of loans, so we must not develop the habit of advanced consumption. <>

Two. Establish a correct concept of consumption.

We all feel very happy when we shop, because we buy all the things we like, but life is very difficult, and if we want to buy a lot of things, we must first let our lives go on, instead of going hungry or taking a lot of loans to buy something unrealistic. Some young people are particularly pursuing comparison, and always like to buy some expensive luxury goods on the Internet, which is incorrect, and we must enter the correct concept of consumption. <>

The above is just a personal opinion, so do you think it is a bad behavior for young people to consume ahead of time?