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At present, a considerable number of "post-80s" and "post-90s" are not only "moonlight families", but also use credit cards, huabei, borrowing, jingdong white strips and other overdraft consumption, bringing huge hidden dangers to individuals and families.
Not only ordinary people, but even some celebrities are also "moonlight people", and they also have the trouble of overdraft consumption.
The famous popular young student He Gang, with good appearance and acting skills, starred in many popular film and television dramas such as "Meteor Butterfly Sword", "Beijing Youth", "Spring of the Queen Mother", "Martial God Zhao Zilong" and so on, which were well received by the audience. He Gang looks exactly like Andy Lau and is known as "Little Andy Lau".
However, it is such a radiant star, who has also endured the pressure of the "Moonlight Clan", so that retired parents once burst into tears in Beijing...
Born in 1982 in Pingyao, Shanxi Province, He Gang's father retired as an engineer at China Railway Construction and his mother was an accountant at a shopping mall. He Gang has a younger sister named He Min.
After graduating from high school, He Gang was admitted to Shandong University of Political Science and Law. At 1.79 meters tall, he is handsome in the sunshine, with a jade tree facing the wind, and looks exactly like Andy Lau, the "King of Hong Kong".
During his college years, He Gang participated in the famous brand column "Happy Star Face" of Southeast Satellite TV, and won the annual championship for imitating Andy Lau, winning the reputation of "Little Andy Lau".
In order to strive for more performance opportunities, after graduating from college, He Gang went south to Guangzhou, working in a bar while learning to sing. During this period, He Gang endorsed many high-end brands such as chewing gum and ice cream, and became the darling of the advertising industry.
Shooting advertisements is to eat youth rice, and He Gang's ultimate goal is to become an actor. In 2005, He Gang came to Beijing to develop. In the following years, he participated in many film and television dramas such as "Mei Yanfangfei", "Golden Marriage", "Fifth Space", "Need for Mother" and so on, and became famous in the acting industry.
The showbiz seems to be beautiful, but in fact, the income is not as high as outsiders think. Like many "post-80s" and "post-90s", He Gang earns how much to spend, there is no concept of savings at all, and he is a typical "moonlight family", who has been renting in Beijing and often moving around.
After graduating from university, He Gang's sister He Min also developed in Beijing. The brothers and sisters are busy at work, it is difficult to return to Pingyao several times a year, and their parents are very lonely at home. In 2008, He Gang took his parents to Beijing and rented a three-bedroom apartment in Chaoyang District for 5,000 yuan a month.
The monthly pension of the He family's parents is less than 5,000 yuan, but the monthly rent alone is 5,000 yuan, and the old couple is under great pressure. As soon as they pay the rent, they feel that they are cutting flesh from themselves, and the pain is indescribable.
In 2009, his parents discussed with He Gang: "Renting a house is too uneconomical, it is better to buy a house yourself and save the rent to pay the mortgage." ”
He Gang said with embarrassment: "Mommy and Dad, I have long wanted to buy a house, but I can't make a down payment." The parents said, "Let's find a way." The old two families took out most of the savings of most of their lives, and He Min also tried to find a way to contribute, He Gang borrowed 200,000 yuan from a friend, and finally made a down payment.
He Gang with his parents and sister
Soon He Gang bought a three-bedroom apartment in Chaoyang District and repaid a monthly loan of 6,000 yuan. It is said that with He Gang's income, it is not difficult to repay the mortgage, but because he often shoots in other places, he cannot deposit the money to the bank card in time. So for five or six months of the year, the mortgage is paid by the parents.
Because there was no economic pressure, He Gang still spent a lot of money, and there were dozens of pairs of leather shoes. Parents have been diligent and thrifty all their lives, and they are not accustomed to their sons spending money indiscriminately, and often count him down. The number of times was too much, and He Gang was also impatient in his heart.
The He family's parents' medical insurance is not in Beijing, and they have to spend money to see a doctor, which is also a huge expense. The father said to his mother: "We are the old people in the North Drift, it is not easy to retire in Beijing, or go back to your hometown." ”
Yes, instead of living in Beijing, it is better to go back, and Mother He agreed.
In the spring of 2010, He Gang was filming in a foreign country, and the Parents of the He family decided to return to Shanxi to live. Thinking that it was hard to reunite with their children, and now they are going to be separated again, the old two tears spilled in the capital.
The parents did not tell He Gang, and boarded the train to Pingyao with mixed feelings. A month later, He Gang received a call from his sister saying that his parents had fallen ill.
It turned out that in order to earn money to repay He Gang's mortgage, his parents both worked part-time outside to earn money, and due to excessive fatigue, they caused geriatric diseases. After the scene was filmed, He Gang returned to Shanxi to visit his parents. He said, "Mommy and Daddy, what's my mortgage?" After the economic conditions are better, I will pay it off at one time. ”
The father said: "More than 700,000 yuan of mortgage, with principal and interest is more than 1 million, this is not a small amount." You will have to get married, have children, and raise parents on both sides in the future, and the burden is not light. ”
The mother told He Gang: "Many people earn money easily, spend money is extravagant, there is no savings around, in the end they are still poor and depressed, and some even rely on relatives and friends for food and medical treatment." Son, you have to save money, your parents don't want you to become a 'moonlight clan' anymore. ”
In the face of the cruel reality, He Gang also realized the importance of saving, and realized the anxiety and pressure brought by the "Moonlight Clan" to his parents. But just putting money in the bank can't run out of inflation at all, and it is shrinking every year.
Under the guidance of friends, He just began to learn financial management. He attends financial training courses to find a financial solution that suits him.
Since 2011, He Gang has starred in many popular film and television dramas such as "Meteor Butterfly Sword", "Home, NTh power", "Beijing Youth", "Great South Migration" and so on, and has grown into a famous popular student.
He no longer casually goes to the hotel to eat, and daily necessities insist on online group buying. He reduced unnecessary socializing and activities, and clothes and shoes were no longer just big brands. Gradually, He Gang accumulated the first pot of gold.
Based on financial common sense, He Gang bought insurance for himself, his parents and his sister. He will invest part of the capital investment fund, part of the investment in bonds, and some of it for stock speculation, spreading the risk in multiple baskets, so that the assets in hand can maintain and increase the value to the greatest extent.
In 2014, the effect of financial management gradually revealed, he Gang had a part of the "passive income" every month, enough for his daily expenses. In this way, He Gang's confidence is enough, even if he has not filmed for several months, he is not anxious, and he can also choose his favorite script.
In the autumn of that year, He Gang returned to Pingyao to pick up his parents. The second elder said: "We live very well in our hometown, so we will not go to Beijing to add chaos to you." He Gang told the truth: "Parents, I am no longer the 'Moonlight Clan' of the original, and I have a certain economic strength." Now my son has the ability to let you spend your old age in Beijing. ”
His parents came to Beijing with He Gang again to retire. He Gang paid off the mortgage in full and gave his parents a pocket money every month. The Parents of the He family usually cook at home, go to the park to dance square dances, listen to Peking Opera, and live a comfortable and comfortable life.
His parents are old and happy, which makes He Gang feel very accomplished. Without worries, he single-mindedly filmed.
By April 2020, He Gang starred in many popular film and television dramas such as "Extraordinary Mission", "The Chameleon of the Spy Wolf", "The Return of the True and False Monkey King God of War", "The Mission of the Man" and many other popular film and television dramas, and his career continued to be brilliant.
He Gang and Zeng Yong daigo
According to statistics from relevant departments, as of the end of 2019, the "post-80s" and "post-90s" had an average of 4 credit cards, and the per capita debt was 127,900 yuan.
Looking back on his own experience of the "Moonlight Clan", He Gang has something to say about it: "The 'Moonlight Clan', advanced consumption, and overdraft consumption are irresponsible and selfish acts for themselves and their parents. Young people have a lot of big things to do, they must save money, manage money, and must not transfer the burden of marriage, buying a house, etc. to their parents. To do this is a kind of filial piety! ”
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