As a post-90s generation, how do we get into debt?

I suggest you try to save money. The more you save, the stronger your ability to resist risks.

Three main reasons

1. There are many loan platforms, and the cost of obtaining funds is low.

2. Upgrade the consumption concept and consume in advance.

3. In the era of Internet information explosion, there are too many opportunities, too many traps and too many temptations.

How to repay the debt after 90 is as follows:

1- mortgage and car loan. Nowadays, if this society wants to get married, cars and houses are essential. If it is in the countryside, it is basically impossible for both to win, so a mortgage is needed. You will owe a lot of money.

2- various online loan credit cards. In today's society, if there is no credit problem, credit card online loans can be easily approved. With this money, coupled with the high consumption in today's society, all kinds of temptations lead to the money being consumed inadvertently, and it is only when the repayment is made that the salary is less than the consumption. Thereby generating debt. Many of my friends have credit cards and online loans, and they are basically in debt.

This is my opinion, thank you [yi tooth]

Hello, I'm Yi Cong, and I'm glad to answer your question.

I don't like borrowing money from others. I feel embarrassed. Although I am a moonlight family every month, I didn't have any debt until I used Alipay and learned about flowers and borrowing. It's so convenient that I can use anything. I couldn't help but start spending in advance, and almost every month's salary was returned. But it doesn't matter. What really got me into debt was online gambling. A colleague of mine said how much she won every day when she worked together, and she also said that she would take me to play. I tried to play and won more than 1000 on the first day. After tasting the sweetness, I play almost every day and don't want to go to work. My salary in a month is not as much as what I earn in a day, but if I win, I will have books. Lost a dozen times again, and lost a few. I lost all my winnings and my savings. When my family found out, they scolded me. I was depressed at that time and thought about jumping off a building. Fortunately, I am out now. Although the money has not been returned, at least people are still there. No matter how much money I owe, I can't gamble. I'm really going to die a terrible death. Thank you!

Actually, I have to start with my experience. I am married, and after having children at home, I feel very anxious, without any income and afraid of having no money. I want to find a part-time job every day. Through Tik Tok, I learned about the part-time job of brushing Taobao bills. As a result, I was cheated by telecom for 50 thousand, and I haven't recovered it yet, which makes my poor family more difficult. Also, I can't go to work during the epidemic, which makes me feel very depressed and I can't make money.

The embarrassing age of the post-90 s generation, from old to young, compares the gap between peers, some live in wealth and some live in poverty. Especially now, most people have the heart to compare with others. Some people only get a fixed salary and want more external goods, so they will choose to spend in advance or borrow money. Regular bank loans are relatively reliable, and some credit reports are bad. Through various online loans, profits are rolling and debts are heavier. There is also the convenience of online shopping now, and flowers and credit cards can be prepaid. Invisibly, I always feel that I didn't spend my own money, so I was unscrupulous and shocked when I paid the bill.

I am born in 1995, and now I have graduated from college for two years. I devoted myself to doing part-time jobs when I was a freshman, but all the part-time jobs I did at that time were very ordinary manual labor, such as handing out leaflets. I believe some friends have done it. I still remember that it was 20 14 years, when I was a freshman, I was still wearing a childish face when I went out to hand out leaflets. Many people looked at my little man and greeted passers-by enthusiastically. Hello, take a closer look ~ Maybe that's why I'm always the fastest runner in the group. But you can't make much money in a day. If you send flyers to 50 yuan one day, you can get rid of the meals and bus fares, leaving 35 yuan. However, I am very satisfied, holding 35 yuan's RMB, as if this is the world's affirmation of my labor value.

So I saved money. At the beginning of this year, I used all my savings to buy myself a small house with a loan of 800 thousand yuan, but I was very happy and felt that I had my own habitat in such a big city. So, I'm in debt.

On this issue, I will tell you about the 90% debt problem with my personal experience.

First of all, I was born in a village in Gansu at 9 1. The standard is post-90 s, because he is an only child, and he has no concept of money before the age of 20. In addition, my father has a skill as a maintenance worker, and my own shop has been doing well for more than ten years. Ten years ago, when the countryside was still immersed in farming, the living conditions of our family of three were not bad. When I was a child, I enjoyed bullies, repeaters and MP3 players for the first time. Until I was 20 years old, my father died in a car accident, and I ushered in the biggest change in my life. That year was the second year when I dropped out of high school and stayed at home.

From that year on, I gradually understood what life is. In the next few years, I learned how to cook, how to use excavators, and how to move bricks on the construction site. Of course, for a spoiled rural only child, these tasks are "endless" in the end. In this way, at the age of 23, by chance, I applied for a job in a sewage plant in our small county. Perhaps it's because I was deeply impressed by my father's maintenance of Work ear since I was a child. During my work in the sewage treatment plant, I have a deeper understanding of a series of problems of electrification equipment in the water plant than others. In this way, I became a technician in a fog in the second year of working in a sewage plant, and my salary has also improved a lot. I was 25 years old that year.

In the countryside, 25 years old means that I am old enough to get married. At that time, there were only more than 65,438+deposits at home, because there was hardly any money saved in the years before I worked in the waterworks. Later I borrowed some money from my relatives and friends and got married. At that time, I borrowed about 6.5438+0.5 million, which was the first debt in my life!

Maybe some friends want to ask, why is it so easy for you to get married? Because my daughter-in-law is my high school classmate, she didn't understand love when she was a student, and she is still in the countryside, and she is somewhat conservative. Now that I think about it, this is our first love. After graduating from high school, I dropped out of school and she went to another vocational school. In those years, we lost touch. Later, I started to contact again because one day two years later, I received a phone call from her, as if she had learned the news of my father's death through someone else. She cried badly on the phone, and I was very moved. Later, during my three years fooling around and two years working in a water plant, we basically had little contact. During this period, she talked about a boyfriend through family introduction, and later disagreed until I was 25 years old. I went to the city for a meeting on behalf of the water plant and met her in the street. She worked as a shopping guide in a brand clothing store. Because she couldn't put me down in the canteen that day, she told her thoughts to each other. I don't know why I haven't been in love for years. Maybe it's because I feel inferior because I lost my father. So the two "privately decided for life." Inform both parents a few days later and get married in about a month.

Two years before I got married, I didn't want to have children because I was worried about borrowing hundreds of thousands of money from my relatives. The couple make money, and my mother farms at home. Because of the good national policy, each family earns at least 23,000 yuan a year. In this way, I paid off all my debts and saved some money in almost two years. I was 27 years old.

By this year, my son is 2 years old. In the past two years, my job has also changed from technician to management. With the further increase of salary, I have bought a small house in my small county now. Fortunately, the housing price in 18 cities is only 4,000 to 5 100 square meters. Now the house is a debt.

I have also seen many topics about post-90s debt on the Internet, probably because of rural reasons. The debt pressure may not be as big as that in big cities, and I feel that the online data is somewhat exaggerated. And why is the post-90s generation heavily in debt? Personally, I feel that the house and car are on the one hand, and the marriage problem is also on the other. But the most important thing is yourself. Because of social development, excessive consumption is the reason for the debt of the post-90 s. Because of excessive enjoyment, I prefer relaxed and comfortable work, which leads to the mismatch between income and consumption. This is the most important reason. This reminds me of an old saying in rural areas: "Food and clothing follow the family business". Indeed, instead of complaining about this and that every day, it is better to work hard, not to compare with others, not to be vain, and to spend reasonably. In such a good time, I will definitely live the life I want!

I'm glad to be invited to answer this question. As a member of the post-90 s generation, I have never suffered any setbacks since I was a child. I always thought I could control everything, and as I grew up, my self-esteem became stronger and stronger. I don't want to ask my family for money. The emergence of online loans just met my own consumption and didn't ask for money from home. Now I'm on my way ashore, with a total debt of 80 thousand. I also hope to give the latter a warning. People in debt want you to keep a cheerful attitude, don't stick to your own opinions, communicate with your parents more, and actively pay off your debts. People who are not in debt want you to do what you can and not pay for your future!

I really have a lot to say about how we got into debt after 1990. China's post-90s generation lives in a society influenced by a huge network platform. Why are we in debt after 90? The most important aspect is that under the influence of the network information network, when it comes to borrowing money in debt, it is mostly for "mortgage", "car loan" and "living expenses". Moreover, as a post-90 s generation, there are not many mortgages, and there are many other three aspects! I have experienced and encountered too many things about online lending. Let me briefly talk about how we cheat on online loans. I will discuss other issues in detail later in this article. Look at this article, "I believe it all started when into the pit bought a mobile phone." Or buy a car "or" just have a birthday and open a box ".I believe that everyone who buys a mobile phone by stages is familiar with Gitzo Finance's online loan platform by stages. As long as you have paid in installments and given them the information, there is still a long way to borrow money and repay it. Whether it is bought with Alibaba platform Alipay and WeChat platform micro-loan, or with the money borrowed from that platform, it is all in stages! At present, your income is easy to repay. After three months, you will receive many phone calls to promote loans or credit cards. I am from an online loan company. Our system here shows that your credit information is good, and how much can you get? You can refuse, but you will often be called by this kind of phone in the future, until the day when you need money, you have become more and more trapped in this pit. For example, if you take out the first loan, you take out 36 installments, and the first installment is only 900 yuan. It's easy for you to pay back your income of 3 thousand now. For example, I just take out a loan here. In fact, there are all kinds of loans. When you take this 30 thousand, it will completely change you! There is a saying that once you have money, you will become another person. Some people either use this 30 thousand yuan to do something to make money, while others use this 30 thousand yuan to eat, drink and be merry. No matter what you do with it, you can't wait unless you really succeed in making more money. You will keep borrowing until your credit expires! At that time, you could only let your family know! Only after you are scolded can you help you calm down the online loan accident. There is also the fact that young people nowadays love face and are on par with others in everything. Seeing who played in the circle of friends and seeing who bought a car will make you feel unbalanced. And produce a mental illness. More importantly, when a group of young people are playing together, if they encounter anything happy or annoying, they will want to go out and pack a box or go to a bar to play! Not enough money. I am an iron friend Alipay, and I have as many credits as I can. You can be happy for this best friend tonight. Next time, it must be your turn to give it to them. When you borrow more and more, you will find that one month is beyond your salary or income range. When you don't pay, someone calls you every day and threatens to pay back the money. At that time, whatever you did was listless. Some people even take the road of gambling or crime! So: in this impetuous society, it is really important to be able to clearly control your psychological thoughts! Secondly, the development of today's society is advancing by leaps and bounds! Most of us can't keep up with the rhythm at all, whether it's income, family subjectivity, social discussion, outlook on life, etc ... many problems can't keep up. For example, you can't get along with your parents after 60, and you can't talk to your uncles and aunts after 70! It's not the same as your brother and sister born in 1980s. If you disagree, quarrel, or your mental unhappiness will be affected! After a long time, you will unconsciously fall into depravity.