With the concept of "advanced consumption" entering our country, news about young people's debt has been often heard in recent years. Young people are quick to accept new things, and in the current era of mobile payment, more people use online platforms to consume, and they are often exposed to lending software. For example, platforms such as Alipay, WeChat and JD.com, which we commonly use now, have lending software, and young people can easily use loans to consume in the process of using these platforms.
More and more people began to feel the happiness brought by the consumption of loans, a month's money is not enough to spend, go to the borrowing platform funds to consume, to the next month to repay, feel that as long as not overdue debts can be, this is what we often call "advanced consumption", with the future money to spend today.
Nowadays, "advanced consumption" is widely seen in young people, on the one hand, groups that are still in school or just out of society, because the funds in the hands of this group of young people may not be abundant, and they can only borrow money to consume every month in order to maintain their living needs.
On the other hand, it is a group of newly started families, because the cost of marriage is higher, it may be to buy a house or to buy a car and be in debt, in this context, it can only use the lending platform to alleviate the financial pressure. That's why it's only now that there are very few young people with savings.
However, recently there has been news that young people are now trying to reuse cash for consumption.
Especially among college students, cash consumption is more frequent than mobile payment. Is it true that young people are beginning to abandon "advanced consumption" and want to control their expenses? In fact, there are two reasons, which are "two extremes", you will know it after reading it.
First, control consumption
Now many people report that paying with mobile phones will find that money is used quickly, and they do not feel the loss of funds at all. After scanning the code, as soon as the password is lost, the funds are transferred to someone else's account, and there is no concept of money at all. If you pay in cash, you can see that you can see less than one note, and it is clear how much money is left.
Therefore, many young people now do not use mobile payment to consume, but put forward money and use cash to pay, so that every time a sum of money is spent, there will be a number in mind.
Second, reserve funds
In other words, there are now people who refuse to use mobile phones to pay in order to control consumption, and among the college students, there is also such a group of people who are "helpless" to use cash payment. For college students, parents will make a sum of money every month as living expenses, and some students will take some cash and put it around to cope with temporary needs.
Most of the reasons why college students use cash in a pile are because the money in the mobile phone is used up, but they dare not easily borrow too much, so they can only use the last cash on their bodies to consume.
In general, the number of people who use mobile payment is still relatively large, and the use of cash more frequently, in addition to the above two, that is, the elderly are accustomed to using cash payment. So one last question for everyone, how long have you not paid with cash?