Why can t many young people save money now?

In this day and age, it is not easy to find a stable job, and now college students abound, and there is a lot of pressure to find employment, and if you don't have your own expertise or ability, it will be difficult to gain a foothold in this society. Why can't many young people save money now? Because now many young people need a lot of money to work outside, especially when they first start working, there are many places to study, renting a house is a sum of money, eating is also a sum of money, if in more developed cities, prices are also very high, it will cost a lot of money on eating and renting a house, it is really difficult to save money, and young people like to eat, drink and have fun, and it is even more difficult to save money.

One. The cost of living is high.

Nowadays, young people are yearning for life in big cities, and they also want to break out of their own world in big cities, so many people go to first-tier cities or developed cities to find jobs, in these cities, the cost of living is relatively large, in addition to their own living expenses and the cost of renting a house, there is almost no money left, let alone saving. It is not easy for many young people to find a job when they first start, and when they first start working, the salary is also very low, and young people are still relatively willing to eat, and it is really not easy to save money. <>

Two. Young people have a variety of lifestyles.

Some young people like to work out, some people like to eat, drink and have fun, go out to travel, and when the salary is in hand, they want to buy and buy, especially girls will spend a lot of money on cosmetics and skin care products to buy some clothes, and there is not much left. It is difficult for young people to save money, but when young people change their roles in life and the pressure increases, they will force themselves to save money, that is, when young people get married, the pressure of life makes them have to have the habit of saving money, and their living expenses will be very economical. <>

It is not easy for young people to save money, because there are many places where money is needed, so why do you think young people can't save money nowadays?

Because young people have different views on consumption, young people like to buy something, so they can't save money.

Because life is too difficult, prices are generally very high now, and casual consumption is several hundred, and the income is not very much.

Because young people nowadays are easy to spend money, spend a lot, and the salary is not very high, so they can't save money.

Because young people now have different life concepts, they pay more attention to their own quality of life, feel that tomorrow and accidents, I don't know which one will come, or let myself live more comfortably.

Young people change jobs frequently, young people have less desire, desire freedom, do not want to be limited by the world, and young people are too picky about their work.

After they have earned money, they will have fun in time, and they will have wine today and drunk tomorrow, so naturally they have no savings.

With the continuous advancement of urbanization, the cost of living in the city is getting higher and higher, and the expenses of rent, transportation, food, medical care and other expenses are constantly increasing, making it difficult for young people to save more money. Many of today's young people are just entering the workforce or starting a start-up, and their salaries are relatively low, making it difficult for them to meet their daily expenses and savings needs. Nowadays, many young people have not formed good financial management habits in terms of consumption, pursue fashion and pleasure too much, like to chase new products, and are unwilling to save expenses and savings.

In addition, new consumption patterns such as online shopping and entertainment have also intensified young people's desire to consume. At present, the deposit interest rate is low, and if you keep your money in the bank, the return is not high, or even not enough to offset the impact of inflation, which makes young people less motivated to save. The current employment situation is not easy for young people, and the competition for jobs is fierce, and many young people have to accept low-paid jobs or informal employment, which makes it difficult for them to save enough money.

There are many reasons why you can't save money, first of all, the cost of living is high now, especially in big cities, and you can't have much money left after renting and eating. Second, young people nowadays think differently from the older generation, focusing on enjoyment, spending as much money as they have, and not thinking about the future. Third, some young people are not highly educated, and can only do ordinary jobs such as salesmen, and their salary income is not high.

The key reason is that I think young people do not have the concept of saving, and some people are unwilling to improve themselves, to put it simply, on the one hand, we should pay attention to using our brains in income saving, and on the other hand, we should pay attention to learning and improving to increase the possibility of their own income improvement. If you do these two things, you will definitely be able to save more money.

There are several main factors why young people born in the 90s do not like to save money: First, young people have just graduated from college, and their salary income is generally not high, such as working in general enterprises, that is, three or four thousand yuan salary. However, young people have more active brains and more hobbies, so they have relatively large expenditures, such as boys going to the game room every day to play games and participate in various classmates and colleagues gatherings.

And girls like to buy shopping and online shopping, and they may spend their wages in half a month. These young people have a strong desire to spend, but their wages are not high, so they can't save money.

In addition, there are fewer middle-aged and elderly people shopping online and prefer to pay in cash, while young people almost all use Alipay and WeChat payment, and usually like to buy goods online and mail them directly to their homes. However, there are also problems with online shopping, that is, there is no way to control the monthly salary income, and when it comes to the e-commerce discount season, it is necessary to frantically open the "buy, buy, buy" mode. Many people, not to mention saving money, spend all their wages in more than a week, and have to overdraft their credit cards to spend.

Therefore, electronic payment methods and overdraft consumption patterns make it impossible for young people to save money.

Thirdly, many young people focus on the quality of life in the present rather than in the future. In their opinion, now that they become a moonlight clan every month, they will have a greater ability to earn money in the future, and they will be able to save more money, and now they should enjoy life in time while they are young. The main reasons why these young people don't save money are:

First, the lifestyle of contemporary young people is more willing to be in line with Western countries, and there is no need to think about the quality of life in the future. Second, eating up and spending over is also the best way to fight inflation, and the money belongs to you only if you use it yourself.

Finally, because they were born in a single-child family, many young people born in the 90s are accustomed to living a rich and comfortable life, and although they have become self-reliant after joining the workforce, they are always inseparable from their parents. In the eyes of many young people, they are not afraid of credit card overdrafts, nor are they afraid of being burdened with debts, let alone unexpected events. Because, anyway, with your parents as your backers, if something happens to you, your parents can pay for it.

It has been reported before that some young people are in debt of more than 100,000 yuan and are unable to repay, and in the end, they still have to pay off their debts by their elderly parents.

One of the most fundamental reasons why we can't save money is that our income and expenditure are unbalanced, and now the wages of young people are not high, probably around 3,000 to 7,000, the first is to earn less, and secondly, to spend a lot, you need to rent a house outside, you need to eat, drink and Lazar every day, and when you open your eyes, you need to spend money, in fact, this money is not much, but it is very difficult for people who earn less. So in the eyes of young people, it is already good to be able to support themselves.

Two: There are many places where you need to spend money.

There are really too many places to spend money in big cities, all kinds of festivals a year, just the consumption of festivals are Double 11, 618, friends get married, children are full moon with money, National Day to go out to play with the funds, family birthday gifts to buy, and the object of various festivals need to prepare a sense of ceremony, etc., each of which needs to spend money. So you see that the money is spent on **.

Three: There is no sense of frugality.

Young people born in peaceful times do not have a strong sense of frugality, because they have not endured hunger and cold, and they have good living conditions as soon as they are born, so they will not save like our fathers, what they want to eat, what they want to buy, they will not be wronged themselves, and a lot of money will go out, so it is said that it is a moonlight clan in a month, and it is impossible to save money at all.

Born in adversity and dying in peace, the necessary risk awareness must be known, otherwise, like the current epidemic, many unemployed people may have no money to eat, and they still have to save some money for emergencies.

Nowadays, many young people feel that they can't save money, and probably only a small number of people can start saving money frugally from a young age, and there are probably the following reasons.

1. Young people spend money generously.

Many young people spend money very generously, although the salary is not high, only about five or six thousand yuan a month, but the consumption is relatively fashionable, and it is not low.

For example, young people usually choose more expensive takeout to eat, and a meal may cost thirty or forty or even more. And young people generally have activities on weekends, such as going to the movies, then having a meal, and then going to the mall to buy some clothes and supplies, and all of a sudden there are at least a few hundred yuan.

Therefore, young people spend money generously, which is the first reason why they can't save money.

2. Young people don't have the idea of too much money.

For young people, many do not have the concept of much money. What young people want to buy, they generally don't compare ** or anything, as long as they like it, then they buy it, and it doesn't matter how much it costs, whether it's worth it.

For example, many young people like to buy ** mobile phones, etc., young people think it's good, and they spend it, and they don't feel that they want to save anything.

Therefore, the notion that young people do not have much money is also a reason why young people cannot save money.

3. The salary is relatively low.

Young people's lower wages are also a reason why they can't save money. Many young people have just been working for a few years, and they earn five or six thousand yuan a month, such a salary level, if you exclude renting a house, eating, etc., it is very economical to save one or two thousand yuan every month, but if there is something, basically the money will be spent all at once. And if you want to save money and work hard to earn a higher salary, you will probably be able to save some money.

Therefore, the relatively low wages of young people are also a reason why they cannot save money.

The reason why young people can't save money is obvious - the cost of living is too high. If you work in a first-tier city, high rent and high consumption will instantly reduce your monthly salary by half, even if you don't spend too much, you won't really be able to save much. If you work in a small city, although the rent and consumption are not high, but the salary is very low, can you imagine that many people who have worked for more than ten years still get a salary of three or four thousand?

In addition to the high cost of living, there is another reason why young people can't save money, that is, the consumption concept is too advanced. Although the wages of most young people are not high now, many of them have a high level of consumption, so what should they do if their monthly salary is not enough? Spend in advance.

This leads to a vicious circle of paying this month's salary, immediately repaying the money owed last month, and having no salary left after paying the money.

In addition, young people spend money without planning and bookkeeping, which is one of the reasons why they can't save money. Especially before marriage, I always buy what I like, without considering whether the product has practical value or not, and whether I really need it. In short, the high cost of living, advanced consumption and lack of planning for spending money are the main reasons why young people can't save money now.

First of all, the living expenses of young people are indeed too large, and the salary may not be particularly high, such as the current mortgage and car loan, as well as the education and support of children, and some other daily expenses may be very large, so it may lead to the inability to save money.

I'm in this situation, even if I find more money outside, I still run out every month, in addition to my own personal expenses every month, friends have to pay for it by themselves. How to say that it is necessary to remove 5-10 times a month, sometimes a few better friends still play cards together, maybe again. A single man also has to ask Xiao mm to get rid of playing, eating, etc., which is a lot of expenses.

I have to buy myself 2 clothes every 1 or 2 months. Ay. Men's expenses are huge, and it's really hard for single men to save money outside.

Unless you're an iron.

You have to classify your income, don't mix it all together, it's easy to spend it all. You can divide your income into: living expenses, public relations expenses (such as to maintain relationships with friends, make new friends, etc.), study expenses (buy some books to enrich yourself, or learn some new skills), travel expenses (you can go to the surrounding area every month to play, or save up to have fun when you take annual leave), investment (you can invest when you save money for good projects).

Opportunities are reserved for those who are prepared, so there is still the perseverance to persist in carrying out this matter, and at the same time, when you have to develop bookkeeping, you don't dare to spend money when you see the account book. This is my personal experience, and I can refer to it. Hope it helps.