In the past two days, a new term called "Moon Ower Family" has become popular on the Internet, and on Sina Weibo, "Moon Owe Family" has become a hot search keyword. As of 4 p.m. on the 21st, the topic of "'Moonlight Clan' to 'Moonlight Clan'" has reached 240 million.
The so-called "monthly arrears" refer to those who not only spend their income every month, but also owe debts due to daily consumption. It is a new word coined by netizens to express an ethnic group that is more serious than "the 'Moonlight Clan'". On the 21st, the upstream news reporter interviewed two young people in Chongqing, who in their view, they are "moon owers".
Half of the guy's monthly income is used to "pay off debts"
Lin Sen (pseudonym), 28, works as a salesman at a car 4S store in Yubei, Chongqing, and although he is a post-90s, his average monthly salary exceeds 10,000 yuan. Lin Sen is a native of Hechuan, in 2018, his two best friends from childhood have bought houses in the main city, and friends have begun to face a mortgage of at least 2,000 yuan per month, for Lin Sen, who has long been supported by his parents to buy a house in Chongqing, they are undoubtedly envious.
Lin Sen's friends do not know that Lin Sen, who does not have to pay off the mortgage and has an income of tens of thousands, has accumulated about 50,000 yuan of credit card debts, and half of his salary must be used to repay the credit card and "Huabei".
In Lin Sen's mobile phone, the last message sent by the bank to which the payroll card belongs comes from 10 a.m. on the 20th, and the information shows that the balance of Kobayashi's salary card is only 6.16 yuan, "The next week, it is only by credit card." ”
In the eyes of Lin Sen's friends, only 28 years old, he lives a wealthy life, living a very "dashing", without a car, he almost always takes a taxi when he goes out on weekdays, and the laptop he uses to play games costs about 18,000 yuan. The mobile phone linsen uses now is the latest iPhone that was only changed in December last year, "I think it should be changed, my mobile phone generally will not be used for more than two years." Just before the Spring Festival holiday, Lin Sen bought a two-year training course at an English training institution in Guanyin Bridge, with a full price of more than 20,000 yuan, and he finally chose to pay in installments, paying 1300 yuan per month, and his credit card debt was one more.
All of these consumptions must be borne by himself. In 2014, Lin Sen's father, who was doing business in Hechuan, sold two houses in Hechuan and bought his son's current residence in Wulidian, because he was afraid that he would have too much pressure on his mortgage, so he gritted his teeth and chose to buy a house in full. Now that my family knows that I have a good income, I dare not say that I am not enough to spend money, and I still owe tens of thousands of card debts. ”
Lin Sen recalled that in the past few years after graduation, tens of thousands of yuan of card debts have long become a confused account, how it was accumulated, how did the installments come about, he could not remember clearly. It is only when the repayment day comes on the 2nd of each month that he will transfer the number that needs to be repaid to the bank where the credit card belongs in the sms reminder, and almost half of his income is used to repay the credit card and spend money every month.
The money saved once a year is moved to the house and all cleared to zero
Unlike the high-consumption Lin Sen, 27-year-old Bai Yue has always been very economical, although the monthly salary is only about 5,000 yuan, but she can also take out about 1,000 yuan per month in addition to the rent of 1,500 yuan. By January 15 this year, Bai Yue's deposit was just 15,000 yuan, but half a month later, the deposit was cleared, and by February 21, Bai Yue calculated that his credit card debt was close to 1,000 yuan, "This is the first time I really borrowed a credit card because I didn't have money to spend." ”
From having a deposit from childhood to becoming a "monthly owener" for the first time, Bai Yue only did one thing, "moving". In December last year, Bai Yue's landlord told her that her house had been sold and that the lease contract between the two was signed on February 5, 2019, at which time the landlord would not renew the lease with Bai Yue.
Subsequently, Bai Yue began to look for a house nearby. Bai Yue originally lived in the community near times Tianjie, the house area is only 50 square meters, Bai Yue has lived here for 3 years, the biggest feeling is small, "The house is full of my things, living up a little depressed." This time, Bai Yue decided to rent a larger house, and finally saw a small two-room set of 70 square meters in the next neighborhood, with a rent of 2200 yuan. On February 1, Bai Yue and the landlord signed a lease contract, and the rent and deposit were paid a total of 8800 yuan, plus the service fee to the intermediary company, and 10,000 yuan was gone.
Because there are still two days to go to the New Year, Bai Yue quickly found a moving company to move herself, added kitchen utensils and other things to the new house, and when she finished moving home and prepared to return to her hometown for the New Year, she found that the savings were running out.
"Later, when I returned to my hometown, some of the red envelopes I gave to my grandparents were credit card withdrawals, and I was not embarrassed to ask for them at home!" However, Bai Yue felt that his "monthly arrears" life would only be a short time, "next month will return to the right track, the month of the arrears clan panic." ”
The reporter investigated >>
Most of the "monthly owers" believe that the living conditions should be changed
Recently, Zhaopin released the "2018 White-collar Satisfaction Index Survey Report", which reported that
More than 20% of white-collar workers were in economic debt in 2018. When taking stock of the income surplus, 21.89% of the white-collar workers surveyed were in a state of debt, becoming a typical "poor busy person", 20.15% of the white-collar workers with a deposit balance of "10,000-30,000" and 17.67% of the white-collar workers with deposits of "more than 50,000".
On the new title of "moon owener" and the consumption mode behind it, on the 21st, the reporter interviewed 10 white-collar workers in Chongqing between the ages of 25 and 35, in addition to the necessary garage loans, whether they agree with the lifestyle of the "monthly owener".
Of the 10 respondents, two said they were "monthly owers" and could only rely on credit cards and "Huabei" for a long time each month, 5 of whom said they would "spend ahead" but not "monthly owers", "I will set a certain percentage of my credit card limit for myself at the beginning of each month, generally accounting for 20% of my income last month." Ms. Lin, an interviewee, said she would save about 20 percent of the money, and her credit card would be repaid next month. Mr. He, 31, said he would only use a credit card under certain consumption conditions, "there are discount activities or doubling of points." ”
The remaining 3 of the 10 said that they did not have a credit card and would not make advanced consumption, "I am afraid that I can't help myself, spend it, and the more I owe." ”
Among the 10 respondents, 6 of them believe that the "monthly arrears" should change their living conditions, "some high-income people have also become monthly arrears, many of them are because the consumption composition is unreasonable, adjust their consumption habits, in fact, they can still live very comfortably." Mr. Li, a friend of Lin Sen, feels that Lin Sen can learn to reduce the requirements of his various quality of life, "how much ability, how big things to do." ”
Netizens talked about >>
@ "Teacher's love": Many people around me use flowers, that is, advanced consumption, and their own wages are not enough to use flowers. Next month, it is difficult to pay back the salary, and then it is still not enough to spend, and this cycle leads to never saving and always owing money,
@ Thirst to fly: debt consumption, advanced consumption, these are their own reasons, complaining about others.
@ Xiao Chen today what color shirt QAQ: I always think that credit cards such as Huabei ah should be used to solve the urgent need, rather than deliberately using consumption for vanity, and spending such money is different from taking out a loan to buy a car and a house.
Upstream journalist Shi Heng