Young people can t save money and become moonshine clansmen, is it really that the salary is too low

Although the relevant departments issue how much per capita income reaches every year, most young people can't save much money at all, and even the vast majority of young people are moonshine clans. Many people go to work in big cities in order to make more money, although the wages in big cities are much higher than those in small counties, but the expenses and prices are also very high. This makes people have to ask the soul torture, is it really so difficult to save money?

What is the reason why these young people have fallen into the Moonlight Clan?

Low job income

In fact, young people have a high level of education and know the importance of saving, but because many jobs are set up with low labor remuneration, this leads to many young people's income has no extra money to save. If you need a higher salary, then you need to work more than ten hours a day, but even if you work so hard, the salary is not high, and even the savings that you have accumulated for several years are not enough to buy a house, and you can only choose to take out a loan to buy a house, and you have spent more than half of your salary to repay the mortgage every month.

Prices**

The speed of prices is much faster than the speed of wages, and the wages of young people are not high, but they still need to spend more than half of their wages on the basic material needs of renting, catering, and clothing, in addition, they can't get sick, once they get sick, they are estimated to have saved money for several years in a hospital. The high cost of living also makes it impossible for many young people to save money at all.

People come and go, red and white happy events

China has always been a society that pays attention to human relations, and the expenditure on human relations accounts for almost one-third of young people's wages, or even several months' wages. Red and white ceremonies, or red envelopes for children and the elderly when they go home for the New Year, these are all a lot of expenses. In some places, when you go home for a New Year, your salary will be gone for several months, and you will work hard for a year, and you will finally have time to go home, but you don't expect that you still need to spend most of your salary for half a year, so many people are afraid of the New Year now.

Young people can't save money, it's not that the salary is too low, but that young people don't know how to save at all, and they are more willing to squander money to meet their own needs, so they become moonshine clans.

The older generation has worked hard for many years, and they can still save some money in their hands, but the current young people's savings situation is generally not optimistic, not to mention that let them take out hundreds of thousands of dollars to buy a car or a house, that is, let them take out tens of thousands or even thousands of yuan in cash, and many young people can't even take it out, which is a very common financial situation among young people in China today. When many young friends chatted with Brother Bao, they would also sigh and say: The salary is too low, and they can't save money at all.

In fact, it is not that they do not have the possibility of saving money, but that they do not have the initiative to save money and have no plan for their future life.

Yes. This is because many young people's consumption concepts are not very correct, and the usual expenses are also very large, and there are also overconsumption and advanced consumption behaviors.

Yes. Nowadays, young people's consumption is very high, and their wages are not very high, so their lives are almost all moonshine.

No, it's because the consumption level of young people is too high now, so it will cause them to become moonshine clans.

Yes, most people only have enough money to live on their own relative to the cost of living. It's hard to save money. It's no wonder.

It is true that the current wages are not high and the prices are high, which has led to this situation.

Tear the young man label for me.

The current economy is not very good, also because their salaries are not very high, and because the prices in the market are very expensive now, so young people will not be able to save money.

Because young people like to consume very much, their hearts are more yearning for a flashy life.

Nowadays, young people pay great attention to the quality of life, and in order to improve their quality of life, they always spend a lot of money, so they cannot save money.

In ordinary life, he is also very face-conscious, so he often has a lot of social activities, and it is also to meet his needs in his daily life, so he can't save money at all.

There are low-income people in big cities. It can even be said that many people are starting to complain that it is really more difficult to make money now, let alone save it. So is it really hard for young people nowadays to make money?

High-paying jobs can't be done, while low-paying jobs are reluctant to do so. Why is that? What if I want to save money?

The content is about a celebrity: In the early 2000s, I had just graduated from college and could earn more than 4,000 yuan a month. Now, 20 years later, many young people still receive only 4,000 yuan in salary.

It can be found that it is becoming more and more difficult for young people to make money. It's true. Although times change, the salary for certain positions is usually not too high because the requirements are too low.

If the salary is not high, it will be difficult for young people to earn a salary to support themselves, let alone support their families. This can be seen as a microcosm of the times. It can only be said that if we want to get a higher salary in the future, we need to pay more.

It's just that a lot of people don't think about it when they're young, and it's too late to think about it the next year or even after they get married, isn't it?

2.High-paying jobs can't be done, while low-paying jobs aren't willing to. Why?

In this society, there is also a strange phenomenon that some young people are lazy all day long. They believe that even with a good salary, they can easily work every day and be able to commute to and from work. In the words of many people, my dream job is to make more money, work less, and be close to home.

But in the end, I found that the so-called high-paying jobs are not up to the task, while the low-paying jobs are tiring and hard. It is still easy to make money if young people are willing to work with their feet on the ground and do not like their income. It's just that you don't make much money.

3.What if I want to save money? It is a fact that it is difficult to make money, but there is another thing to say, and that is that because the wages are too low, young people cannot save money.

Of course, this is actually a bit inaccurate. After all, how much you earn and whether you save money or not is a completely different matter. Frankly, if you really want to save money, you can save money even with a salary of $2000.

It's just that our lives will be lower than our expectations. Frankly, we can only live by frugality or savings.

But because young people are exposed to this colorful society, they are not willing to endure hardships anymore. In this case, it is naturally difficult to save money when spending more than its income. It can only be said that if young people get up early, they can at least save some money in the future.

If they wake up late, it is obvious that they will be poor for the rest of their lives. So, let go of your impetuous heart, find a way to work hard, and even try to save more money. So that in the future we do have the possibility of having a small deposit, and then we can do what we really want to do, right?

If you want to save money, you must have a certain plan, record your daily expenses, put an end to unnecessary consumption, and save money in Yue Bao every day, so that you can save money.

One lowers one's desires and learns to delay gratification; Second, raise the requirements for buying things by yourself and save money to buy large items; 3. Make up your mind to put a part of the money you want to save in another card and not touch that card.

If you want to save money, you need to have a complete savings plan, then have a regular account to make deposits and manage the money.

I have a deep understanding of the problem of young people, moonshine and debtors. Contemporary young people, on the surface, seem to have a quiet time, but behind the scenes, they don't even have flowers. I didn't make much money just after graduation, and the debt ratio has begun to climb.

From the moonshine clan to the debtor clan. When the post-80s generation first started working, the term "moonlight clan" began to become popular. Unexpectedly, by the post-90s, it has been upgraded to a "debtor family."

Indebtedness "can not only cause great economic pressure on people, but also generate great psychological pressure. Such pressure is unbearable for everyone. Because of the debt, it is impossible to arrange the entertainment life normally and buy the goods you want, which will reduce the happiness of people's lives.

Psychologically, everyone will feel that there is always a mountain "pressing" on their bodies and they can't breathe, and such days are the most difficult. In this way, how important is rational consumption!

My younger brother is a post-90s generation with an advanced view of consumption, and the first half of his salary is paid. It is to live the life of a human being. Half a month after the salary is paid, he lives as a beggar.

The main reasons:1It's too easy to spend money :

Now everyone can consume almost all industries with a mobile phone, from shopping malls to roadside stalls; 2.It is too convenient to borrow money: a person with a mobile phone number can borrow money from various platforms, such as borrowing and credit cards, which can be received in a few seconds and minutes; 3.

Consumption is too pleasant: No matter which platform you are consuming, this platform has a quota to spend this month first and then repay the next month, no matter what method you use to pay, there is such a limit, so that you can enjoy worry-free consumption; 4.Repayment hurts:

No matter how much you owe last month's consumption, at the point in time of repayment, it really just hurts, because even if the salary is just paid and all the repayments are made, it will be distressed, and although the wallet has no money for the next consumption, it will not affect the consumption at all.

Going out to dinner with friends, Tejo rushed to pay. He believes that money is for consumption and has no concept of money. Online debt Lei Lei. This view of consumption has been very sad for my family.

Some young people have a monthly salary of tens of thousands, go out to rent water and electricity, living expenses, and there is not much left, the moonlight family is very normal, and now the consumption in first-tier cities is indeed very high, and the consumption in second- and third-tier cities has increased several times compared with previous years, especially the increase in houses dozens of times. If you have bought a house or a car, you have to pay off the mortgage and car loan every month, which is a lot of expenses.

That's because life is very stressful now, and they all live in first-tier or developing cities.

Because many people usually spend a lot of money, and some people live in first-tier cities and have relatively high consumption, they are also moonshine people.

A high income does not mean that you can save money, because in today's society, the expenses are too large. Monthly mortgage, car, living expenses, if there are children, and children's expenses, these are far more than 1w.

When most people upgrade their income, the speed of consumption upgrade is faster, and as the desire to consume continues to escalate, the speed is too fast, resulting in the final income cannot cover the expenditure. The higher the salary, the greater the responsibility. As wages rise, so does the responsibility for the family or the other half, and most of the family's expenses or love expenses are paid by people with high wages.

Because many young people nowadays are more greedy for pleasure, they will spend lavishly after they have paid a lot of money. Never thought about saving money. There are many young people who complain that the reason why they became moonshine people is because the salary is too low.

But in fact, low wages are only part of the reason, and a bigger part of the reason is that young people nowadays don't know how to save money. For example, many young people now like to go out to eat with their friends after paying their salaries, and it costs at least a few hundred yuan to eat a meal. Or they will go to the bar to play, but the bar cost is very high, and it will cost at least 1,000 yuan a night.

But young people feel that this is the money they should spend, so they can't save money at all. And these people never thought about what their future would be, they only knew that they were greedy for pleasure. As long as you're having fun at the moment, you won't think about it that much.

1.To avoid becoming a moonlight clan, then in daily life, you must develop a good habit of keeping accounts. Keep track of the money you spend every day.

This way, you can clearly see how much you spend each day or month. Then you know for yourself what money to spend and what you don't have to spend. So in this way, you can save a lot of money.

2.After the monthly salary is paid, you can take out a part of the money and save it. And then this part of the money must not be used at will.

Then the rest of the money can be used for your own monthly living expenses. But the rest of the money should never be spent in a lavish manner. You can also go to the bank to open an account, and this account is dedicated to depositing money.

3.You can also learn about investment and financial management, because there are many investment and financial products on the market. If you have spare money in hand, then you can use the money to buy financial products, or you can buy ** on Alipay.

But the trembling barrier is that these things are generally risky, so they are also more prone to losses, so don't invest too much money at one time.