The number of invisible poor households in the workplace has increased, and the so-called "can't save money" is that young people fall into the trap of spending money

Before buying anything, keep in mind: you like it, you need it, and you fit it.

Everyone understands the big truth, but the small emotions are difficult to control, every time you deliberately want to save money, but will spend more money, for example, most of us have fallen into this consumption trap: originally planned to buy things, when you get to the store you find that you like this one in other stores only sell for 50 yuan, so you did not think for a long time, turned around and ran to the 50 yuan store. But the result is the opposite, subconsciously we will feel that we have made 25 yuan, if the store is in the promotion, we will buy and buy, the result is to buy other goods beyond, but also beyond the budget of 75 yuan.

In this era surrounded by commodities, all kinds of luxury goods, electronic products, cars, houses, etc., everywhere in life is filled with substances that need to be exchanged for money. And people's consumption methods and concepts have also changed from the original traditional "living within the means" to "advanced consumption", from the previous cash consumption to bank cards, and then from bank cards to digital payments. In the advent of digital payment, the majority of consumers can not even "money" yet, can be consumed, and this kind of loan consumption behavior, also known as "advanced consumption".

Credit cards, Alipay Huabei and borrowing, WeChat and other major platform loan products emerge in an endless ubiquitous, the main purpose of the platform is to seize the market and consumers, in order to encourage consumers to "buy, buy and buy" to meet the growing material desires, and a variety of advanced credit payments have allowed the majority of consumers in China, there are too many young people into consumer loans, which is also known as the "invisible poor".

Nowadays, young people value their lives more and more, and their monthly income is not high, but they have not reduced their quality of life, leaving other income such as eating to spend this is the current situation of many young people today.

Many people do not understand why the current young people in our country will appear such a "strange phenomenon", has always put the "desire to consume" in the forefront, not to say that they have spent their own income, even if they borrow money to consume, there are many people in order to meet their "desire to consume", hundreds of millions of young people fell into the "new trap".

At first, before buying something, it is true that you like, you need, you fit, but it takes only a while to put this sentence into the back of your mind, thinking that the value of some money is lower than the value of other money, so it can be squandered. These phenomena have long been common, in the current hit workers, social moonlight family, invisible poor households, advanced consumption, from the side of the reaction people on the road to spend money more and more deeply, you think you can control money, rational and intelligent to let money serve you, do not know that there are many irrational factors that lead us to spend money often stupid, by looking for behavior, psychological misunderstandings, help avoid the ubiquitous spending trap, so that small money in the accumulation of time, save a large amount of money.

For example, when using credit cards and spending money, we become more willing to spend money, and we are more likely to spend money randomly, when we have 200 yuan in our pockets, it costs 100 yuan to buy a dress, because the money in our pockets is reduced, and our feelings about this purchase will be greatly reduced. This makes it easier for us to spend money indiscriminately, especially with small amounts of money, and to fall into the unequal thinking of dividing money into three, six, nine, etc., which largely explains why we save money so slowly, why we become moonlight people. After the indulgence of "drinking today and getting drunk and enjoying the present", all kinds of bill anxiety still arrive as scheduled.

A friend once said that in the past, when the salary came to a thousand, he could still save money, but now the salary is tens of thousands, but there is no penny left, and he is still in debt. This is in response to the old saying, eat not poor, drink not poor, calculate not a lifetime poor. While we work hard to make money on the ground, it is equally important to save money and manage money seriously. There are still many uncertainties in the future, middle-aged unemployment, old and young, sick... These unknowns carry great fear, and when self-knowledge becomes clearer and accumulates small forces, it will one day become the pillar of your struggle against adversity.

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