Why can t so many young people save money?

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.

First, there is no sense of saving money. I have a lot of young friends born in the 90s, and when I talk about financial management to them, they are often very confused and don't know what financial management is. Some are not very interested, and use "when I have money, I will find you to manage money" to prevaricate.

There are a lot of friends like this who don't have financial awareness! And this kind of friends don't know how to manage money at all, and they don't have the awareness of saving money. The reason why they didn't save money is because they didn't have the concept of saving money.

What am I saving money for? It's good to earn as much as you want and spend as much as you want! Life is very nourishing!

Why do you make yourself so tired? If the consciousness is not in place, it is impossible to save money.

Second, the income is too low. Some young people who have just entered the workplace have no work experience, and their abilities need to be improved, and their income is indeed not high. But at this time, there are a lot of necessary living expenses that still need to be paid.

For example, rent, living expenses, buying clothes, girls' cosmetics, etc. At this time, the money we earn is just enough for our basic expenses, so it is indeed very difficult to save money.

Third, the expenses are too large. As far as I know, quite a few young friends do not have a low income. It's even much higher than their parents' income, but instead their parents are able to save money, young people can't.

Why is that? Because young people are spending too much! In addition to the necessary expenses I mentioned earlier, some friends have some other expenses, such as going out, dinner, brand-name clothes, bags, luxury goods that obviously exceed their own strength, and so on.

In this way, in pursuit of a high-quality life, no amount of money is spent, and it is impossible to save money.

The above three points are the reasons why young people can't save money as I can think of now. In fact, if you think about it carefully, it seems that no matter what age you are, it seems that they are all the same, and the reasons why you can't save money are basically these.

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.

Didn't do it.

Saving money is the highest level of self-discipline for adults. "When do you feel most secure? "I asked a circle of people around me, and many people:

When there is a deposit on the bank card. ”

I deeply understand that money is the best sense of security.

Without money, you can only look at your parents who are over half a hundred years old, and you are reluctant to eat and wear; Without money, you can only watch your lover struggle to cope with firewood, rice, oil, salt, chickens, flying dogs, and jumping; Without money, you can only watch other people's children have good conditions to learn and grow.

Zhang Ailing said: "I like money, because I have suffered from not having money, I don't know the disadvantages of money, I only know the benefits of money." ”

Life is very realistic, if you want to live comfortably and increase your sense of security, you have to make money, and you have to save money.

The well-known host Dou Wentao once told such a story:

When he was young, he was different from other hosts, he didn't accept commercial performances and advertisements, and he felt that it was damaging to his image.

Even, he will call that money "shameful money".

He is thoughtful and talented, and his attitude towards money in his early years has always been very capricious.

So much so that I have worked for many years and have not saved a penny.

It wasn't until his mother fell ill and was admitted to the intensive care unit that he was faced with the daily expenses that his mind completely changed: it turned out that a person with no savings would have such a thin foundation.

For the sake of money, he began to frequently take on those activities that he once looked down on, advertisements, commercial performances, and even guest appearances as wedding hosts.

Even if it is "embarrassing", it will not be refused.

Because he knows: "A little more deposit is a few more days of my mother's life." ”

When accidents and changes happen suddenly, you realize the importance of having a deposit.

Celebrities are still so embarrassed, ordinary people will only be more helpless. The income is low, only buy to support yourself, so low that you can only let yourself eat and clothe, so you can't save money, the countermeasure is to make yourself more capable, that is, to let yourself be able to endure the hardships of learning, and have a good education and knowledge, which can improve your income. On the one hand, open source to increase their own income channels and improve income efficiency, and the second is to reduce expenditure and control unnecessary expenses.

Income and consumption are not proportional, the current prices are too high, consumption is high, especially young people, usually eat, drink and have fun, so it is difficult to have a surplus, if you add a mortgage, car loan, it is even more difficult.

Nowadays, in the era of fast consumption, many women will buy expensive bags, cosmetics, beauty products, etc., while men like electronic products such as game consoles, which is also a big expense for many young men and women.

There are also some young people who do not spend lavishly, but because their income is only enough for daily expenses and they do not have extra spare money, they naturally cannot save money. There is a sentence that "life is not only in front of you, but also poetry and distance", poetry and distance refers to the ideal life, this sentence is also a duck soup and chicken soup, for the basic income of the family, it is advisable to take care of the current situation, and cultivate hobbies should also consider their own economic strength.

When young people's desires are greater than their abilities, not only can they not save money, but they will also be in debt. Nowadays, it is possible to repay the loan in installments or take out a loan to buy things, which also indirectly leads to the inability of young people to save money. Young people are prone to impulsive spending, and they can't stand the recommendation of others, so they start buying things they don't need, resulting in inability to save money.

However, it seems to be a very difficult thing to save money every month, and it is basically impossible to make any deposits. Why? In fact, it is directly related to the consumption concept of young people.

Like some young people, in fact, in the course of his career, including his own teenage school, he did not experience any poverty and suffering. Therefore, I don't know how hard it is to make money.

Moreover, the development of some young people's professional careers is also relatively smooth. I didn't encounter big twists and turns, and I didn't encounter the problem of salary cuts and layoffs, so I always thought that the salary to the card every month was a matter of course, and it was very easy, so I didn't realize the difficulty of making money, so this was cast, and they actually didn't have the idea to make themselves thrifty in the process of consumption. So over time, a vicious circle is formed, and you can spend as much as you earn, which belongs to a typical moonshine family.

Of course, I think this kind of moonshine family is quite good, because at least there is no problem of personal debt. But in addition to such moonshine families, there are many young people who have high personal debts. For example, if you have a consumer loan installment loan, then such a high amount of personal debt requires you to use your monthly salary to effectively repay it, so it is very difficult to save money.

It is necessary for us to reduce such a kind of consumption in our own consumption installments, then you can reduce the consumption installments, and I believe that it is only a matter of time before you save money in the future.

Nowadays, young people basically can't save money, and there are two main reasons: one is that young people's income is generally not high, but they spend a lot of money, such as renting, eating and personal contacts, etc., spending most of their income, and they can't save money if they want to; The other is that now young people's concept of consumption has changed, spending money without a plan, often spending money in advance, eating more than enough food, under this concept, it is difficult to even maintain a basic life, let alone save money.

2021 is about to pass, I don't know how much you have gained this year and how much money you have saved. Presumably, the first question our parents ask when we go home for the Chinese New Year is how much money we make, what should we do, I feel very ashamed that I haven't saved a penny, but I feel that I haven't spent money indiscriminately, how can I get it and have it. This is the current situation of contemporary young people, I have to say that it is really sad, in the eyes of our parents we earn money every day outside, but in our own opinion, we spend money every day.

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. <>

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 Eleven, 618, friends get married, children are full moon with money.

The funds needed to go out on National Day, the gifts that family members spend money to buy on their birthdays, and the sense of ritual that the object needs to prepare for various festivals.

Wait, each of these costs money. So you see that the money is spent on **. <>

Young people born in peacetime do not have a strong sense of frugality, because they have not endured hunger and cold, and they have good living conditions from birth, so they will not be like our parents.

Save like that, what you want to eat, what you want to buy, you won't be wronged, and a lot of this money will go out, so it's a moonlight clan after a month.

You can't 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.

Because the consumption concept of young people is not the same now, they will not take care of it when they consume, so they can't save money.

Because young people don't make a lot of money now, and their consumption concept is different, they can't save money.

I think it's normal for young people to not be able to save money, because young people have a better quality of life and spend more.

Because the expenses are very large now, and young people who have just graduated and work earn relatively little, in a city, it costs money to rent a house, and it costs money to eat, clothing, housing and transportation. Therefore, many young people can't save money, and it's good to be able to spend it themselves.