In recent years, the new word "debt consumption" has appeared on the Internet. To put it simply (in a narrow sense), many people buy things that their self-consumption level can't reach because of desire, vanity and other reasons, so they are heavily in debt. "Debt consumption" is more prominent among the new generation of young people.
How does debt consumption destroy the younger generation?
1. The influence of the media on contemporary young people
I think the phenomenon of "debt" consumption has a lot to do with some self-media today. Some studies on people's hearts from the media number can be said to be the pinnacle. They will use words that can resonate with many restless young people, such as: "Be kind to yourself when you are young, and it will be meaningless when you are old ..." For example, "I don't know which comes first, tomorrow or accident, so we should learn to enjoy it ..." So many young people agree with this statement and think that you should spend money when you are young, otherwise it will be useless to wear beautiful clothes, use expensive cosmetics and carry expensive bags when you are old. ...
2. the speed of making money can't keep up with the willfulness of spending money to compare.
This is mainly related to personal experience and three-view thinking consciousness. Many young people began to "shake" when they saw people around them buying all kinds of luxury accessories and going out of all kinds of high-end restaurants, and joined the ranks of "debt consumption" under the "stimulus" of others. But such people don't look at people's salary and family background at all. As long as you start spending in debt, it's hard to stop. It is a rational consumption view to buy what suits you best within your own economic tolerance.
3. Seller bait
In today's society, all kinds of advertisements are flooding, and the most important thing is that many advertisements are of high standard. In order to attract customers, they will advertise at all costs in the early stage, so some impulsive consumers began to buy things willfully. Faced with this situation, we need to treat it rationally and choose what we need. Even if the seller talks too much about the product, we can avoid this pit as long as we remain rational!
What should I do when I want to spend in debt?
1.？ First of all, you need to make a financial plan for yourself, such as how much money you plan to save every month and how much money you need to invest. In this way, when you want to spend impulsively, you will also restrain yourself.
2.？ Enrich your mind, don't compare with others, and cultivate a correct consumption concept for yourself. Everyone has vanity more or less. Faced with this situation, what we need to do is to let ourselves sink. Compare one thing with others deeply, and you may convince yourself.
3.？ Rational consumption, in the face of promotions and discounts, ask yourself if you really need this product.
4. Try to improve your ability, so as to make money. With a monthly salary of several hundred thousand, I bought a bag of 20 thousand, and no one said anything. Only by positioning yourself and working hard can you get what you want!
No matter what stage people are in, they need to have a correct view of consumption! The above is my opinion, welcome to exchange and discuss!