Near the Spring Festival, Xiao Xin, who remembered that the balance on the bank card this year was single digits, began to chagrin: why is there always no money left after a hard year.
Xiao Xin is a typical avant-garde consumer youth, even in a rental house in Beijing, sweeping robots, Dyson hair dryers, teeth cleaners... The standard of these contemporary exquisite lives is also a must; the new AJ and skin care sets ordered by Double 11 have not yet been unopened.
Nowadays, flowers, borrowing, and white strips are popular, and even a Shaxian takeaway can also borrow money with Meituan.
"Online virtual money" is pervasive, and e-commerce companies give purchasing power in advance when young people have no spending power, so that even if they don't have a dime on them, they can spend a whole month.
According to data from Chinese Min min bank, as of June 30, 2020, the total amount of overdue (half-year) outstanding loans on credit cards in mainland China has soared to 85.4 billion yuan, ten times that of a decade ago.
It should be noted that among these overdue loans, the post-90s account for almost half, which is equivalent to the average post-90s overdue more than 410 yuan per person.
Looking at a house of bloody booty, Xiao Xin decided to start saving money in 2022, a search, found that there was a special money saving group on Douban, and some people actually saved two suites by saving money, which opened the door to Xiao Xin's new world.
Bill Gates said, "It's just as hard to spend a sum of money skillfully as it is to earn it." ”
This sentence makes the money-saving young people deeply understand.
These money-saving youth are not traditionally not spending money, but experience life without degradation with a small and broad, with the least spending.
They make full preparations when shopping, listing various preferential items, shopping red envelopes, point deductions, live group purchases... It is necessary to calculate various comparisons repeatedly.
For them, to get into the favorite goods, first lock in the target business through the price comparison, and then brush the membership price, do not forget to calculate a full reduction, deduct a red packet, and then use the points... The news of the final payment success "ding-dong" rang out, which was the medal of their victory.
Back to the point, does the story of money only deserve to be so negative? What should you do to save you, the young people trapped in the desire to consume?
First, 1 million "door-picking youth" fancy to save money
In the past, cutting the door frugally was slightly obscene, corrupting demeanor, especially in the blind date game, and even making the young man out of the game, such stories are numerous:
Nowadays, saving money and slamming doors, a seemingly not-so-positive vocabulary, is becoming a new trend. It's not because you're poor, it's probably just because you like to save money!
Taking advantage of this wave of anti-consumerism, Xiao Xin joined the Douban "cutting group" and became a consumerist retrograde with the team members, opening Pandora's magic box.
Douban's "cutting group" is actually a very broad concept, after all, if it is a science, it is necessary to seriously divide the field according to different economic conditions and the characteristics of the team members, set or loose or strict admission standards, and even apply for a background check for the group.
Therefore, under the broad concept of "cutting group", there are "cutting men's federations" and "cutting women's federations" that are born according to the differences in the characteristics of men and women.
There are also functional groups that are derived according to different economic conditions.
If you choose Sand County for lunch, but add an extra duck leg, then the "Madness Saving Money Group" is quite suitable for you.
If you are short of money because of advanced consumption, being deceived, and online loans, and feel that the brand premium in Shaxian is still too high, then the "Alliance of Debtors" is your spiritual paradise.
Of course, if you are like Xiao Xin, who is deeply trapped in buying, buying and buying, then something like "don't buy | consumerist retrograde" "Have you downgraded your consumption today?" This kind of group, with a clear banner of opposition to consumerism, is particularly suitable for her to get started.
In a broad sense, the "cut group" now has 1 million group members, and if according to the criteria of Article 4 of the Urban Planning Law, the population of 1 million cut group is enough to form a large city "cut city".
In the "Alliance of Debtors" group, more than 20,000 team members in fiscal deficit supervise each other here to check in and repay debts, basically forming a "human flesh nail" system, and actively completing the ecological closed loop from lending to collection for Ali.
According to the recommendation mechanism of Douban, the members of the "Debt Alliance" especially love to go to the "Heartless Crazy Saving Group", "Cutting Door Women's Federation" and "Cutting Door Men's Federation" these groups visit the door, after all, the advanced logic of "debt - do not buy - save money - cut the door" is interdependent.
If there is a debt team member is a "survival key", then the "don't buy" group is more inclined to "life key", the sisters in the group will give psychological analysis to girls like Xiao Xin, after all, spending money indiscriminately lies in the addiction in the heart, and the black words of the so-called "occupying the mind" of the product marketing department are not children's plays.
The "Don't Buy" group currently has 330,000 members, and the members of the group use magic to fight magic, attack the shield of the other with the spear of the other, and the persuasion in the group not to buy graphic posts is enough to overshadow the tens of millions of levels of advertising copy.
In the "Madness save money" group, it seems that you can casually find a post-90s with a deposit of 100,000+.
The topics discussed by the younger team members every day were like this: "How much should I have a target deposit for a 30-year-old", "Suddenly unemployed, how long can you live comfortably", "Financial management makes me happy, rush ah"...
These young supermen want to save as much as they want, and the richer they save, the richer they get, the richer they save. In addition to using various bookkeeping tools, the 365-day deposit method, the 53-week deposit method and so on were also strongly promoted.
This method has been frequently mentioned in the relevant questions of Zhihu and the madness of the money saving group, and has obviously become a tacit secret of the money-saving party.
Whatever they think is worth consuming, reading, fitness, seeing the world, realizing their dreams... Just save money to spend. Whatever they think shouldn't be spent, good takeaways, brand new socks, air conditioning in summer, warmth in winter... You have to cut it.
Second, the law of saving money for young men and women
In Douban, the "Cutting Door Women's Federation" with 570,000 members and the "Door Cutting Male Federation" with 130,000 members jointly formed the "Gemini Star" of the cutting boundary.
According to the research of "NetEase Digital Reading", in the method of cutting doors, men and women have their own emphasis.
The "Door-Picking Men's Federation" is a gathering place for door-slamming boys, and they eat and save money is the most common way to cut doors. The slashing men are far ahead in terms of eating, three times more than the second "wear".
The girls' door-cutting skills are mainly concentrated in dressing and skin care makeup, and in the Little Red Book search for "flat substitution", 250,000 related notes can be searched.
However, the "key learning" skills of Xiaohongshu users are still too shallow, the commodity flat replacement goods are still too "luxurious" and not extreme, and the cutting team members are not suitable for the porters of the goods in order to save money, but the production of flat replacement.
What panties when soy milk filter, panties to wear to evaporation, leggings to change the head rope, save toilet paper homemade "chrysanthemum cleaner"... However, the basic operation.
When some female cutters complained that shampoos were too expensive, there were junior scholars who recommended cheap shampoo brands, and the big god cut scholars revealed "On the method of replacing soap/soap/shampoo", so the "results of cutting research" can be described as the blossoming of academic money.
Male critics are not to be outdone.
When the little master and brother in the group really can't help but want to drink, breaking the ring and spending 4 yuan to buy a bottle of jasmine honey tea, the master brother of the male pick group will sacrifice the "progressive flat replacement creation method" with experience.
Jasmine honey tea first drank half of the water, that is, jasmine clear tea, and then drank half of the mixed water, that is, Nongfu Mountain Spring is a little sweet.
The category of "wear" as the first index of the female cut group is naturally to be valued.
What if there is no new season Look? Then the shirt is changed to cropped sleeves, and if the elbows of the cropped sleeves are worn, they are cut into short sleeves, and when they are bored, they are cut into vests.
"40 dollars worn for 7 years less than 2 cents a day!"
No matter how strong the kung fu is, he is afraid of scissors, and the tailor also said that cutting is not to make the clothes frozen, but it can be like the capitalists, right to squeeze out the last drop of surplus value of the clothes until they are squeezed clean.
In terms of "wearing", young men are not left behind.
It's just a pair of home slippers, someone modified it with a handmade insoles made by grandma 30 years ago, and some people showed a pair of slippers that had been repaired with staples.
This is not the upper limit of the door of the money-saving youth, and the money-saving gods will also teach you how to get potato starch with the water that washes the shredded potatoes.
"The potato shreds are drained, the remaining water is clarified and poured out, the bottom is the water starch, poured on A4 paper to dry, the radiator is dried and collected, basically a potato's potato flour can support a stir-frying activity."
If the next time you fry potato meat slices, then it is really earth potato beans, endless also.
Some fitness young men, with a few dollars to buy a large bag of bread worms back, as a supplement to protein food, counted as the "heart disease frenzy" of the cut.
As a result, the "cut group" continued to accumulate heat in the practice and application of the technique, until last November, when the topic came from the fourth season of the talk show "Talking to Strangers", the cut group broke the circle.
The interviewee is "Douban cut group god" Wang Shenai, she is now 32 years old, married and child-bearing, the monthly salary savings rate of 90%, and the protagonist of the "woman graduated 9 years after graduation to cut out two suites in Nanjing" is her.
Netizens have turned the sky because of this hot search, and the number of readings of hot search has reached 520 million...
Third, what is the purpose of young people saving money?
With enough keying samples, after a period of time in the key group, you will not only think that cutting the door is a natural thing, but also be proud of it.
When you think that shallow methodological books such as "Mother's Money-Saving Tips" and "1,000 Cases of Saving Money" are the end of their spiritual pursuit of cutting doors, in fact, this is just a blindfold for "cutting the situation".
As an organization, the reason why the group can form an unbreakable community of behavior with a group of group members is inseparable from the "ideological steel seal" in the organization, when the team members want to "wild consumption", the theoretical steel seal can become the "action shackles" of the team members.
But consumerism, though wrong in theory, is useful in a practical sense, and the anti-consumerist ideas of the group are sometimes inevitably extreme, and in the discussion post on the experience of eating bread worms, some people advise the sharers to pay attention to physical health and hygiene.
Wang Shen'ai in this hot search storm, everyone's firepower point is in: don't speculate, just rely on the key, how can you cut out the house in Nanjing?
People who misunderstand or even slander Wang Shen's love may not have seen the full video. In an interview, she clearly said that "you can't make money by cutting.".
The principle she adheres to is called "cutting is also the way", cutting is not to take advantage of others, nor to affect the consumption concept of the people around her, but to demand for herself.
In other words, the ideal state of most of the friends is to live seriously under the condition of limited resources and reduce unnecessary expenses as much as possible.
Just last year, a lot of young people seemed to have changed.
At the beginning of the year, Huabei and Borrowing reduced the amount of money to young people, advocating rational lending and rational consumption; in the middle of the year, CCTV Finance's "China Youth Consumption Report" showed that six adults only spent money on just needs; at the end of the year, the five major consumption hot words released by Consumption Daily were: saving money, rationality, flat replacement, national tide, and breaking away.
According to the data of the 2021 "China Pension Prospect Survey Report", the monthly saving ratio of young people aged 18 to 34 has increased from 20% last year to 25% this year, with an average monthly savings of 1624 yuan.
More and more signs and trends show that in terms of consumption, many young people have begun to change from "wild" to "rational".
Cutting doors and saving money is not an ascetic, nor is it a matter of saving heaven to destroy people's desires, "money is strong and courageous", saving money is a very stupid way to manage money, but it is also the most direct and effective correct way for most people.
Swiping the card does not make us happy for too long, and seeing the growing balance of solidity and the sense of achievement at work is a more lasting happiness.
Improving their ability and competitiveness can give the most solid sense of security, which is why the "China Youth Consumption Report" will show that the first thing that young people spend money on is education and training.
Douban "key group" uses a way to actively accept stigma and self-irony to justify itself, and "cutting" is actually a kind of "no cutting". Seemingly out of place, it reflects deeper identity anxiety.
Today, the wind of slamming the door has achieved spread across the circle.
Some consumer finance platforms have added a new "90-day unconditional refund" equity, allowing borrowers to refund the loan unconditionally within 90 days. The online quota self-adjustment function, as well as the rational consumption assistant, as well as consumption progress reminders, bill management and other functions.
Finally, although it is good to cut the door, it must not be "greedy", the gods of the cutting group will also overturn the car, and the open source and throttling must also be grasped with both hands. Some people who ate pickles and steamed buns when they were young to save money now have high blood pressure.
Someone in order to save ten yuan set of money now has a four-legged gold devouring beast, and the credit card is blown up in minutes.
Others even fall into financial scams and run out of savings...