People should understand that consumption in advance is not a fashion, but a lie fabricated by evil capital. what do you think?

The essence of early consumption is to put the future blessings into the present to enjoy, which is a way of life that exhausts resources and fishes. If you use up your future consumption potential to satisfy your present vanity and happiness, you may be in a mess.

Consumption in advance is actually a kind of financial lending behavior, that is, borrowing to complete the current consumption desire. For example, you only have 3,000 yuan in your hand, but you want to buy a bag of 10,000 Lv Yuan, so you borrowed 7,000 yuan from the organization and finally realized this wish.

You enjoy the material enjoyment and vanity brought by LV bag, but you owe 7000 yuan. In the future, this 7000 yuan needs to be returned at a higher price, which means that your future life will be difficult.

Spend all your future in advance, and what should I do when I can't afford the loan? This phenomenon has been a lot. In the early days, many people borrowed too much, which eventually led to a rigid breach of contract, because no matter how hard they tried, they could not repay their debts.

There are only two consequences: ① hiding debts everywhere, and the pressure of life is great; Sell yourself, your body, your dignity and your conscience.

The first point is the punishment for your excessive borrowing, which is the result of being consumed in advance in the future.

2 o'clock is the beginning of your domination by the devil. At this time, your desire for money will increase and even be kidnapped by it. If you are a girl, you are likely to earn money in the gray industry. If it is a boy, you must have betrayed your conscience and dignity. But it does not rule out that lucky people are stimulated to their potential and get money in legitimate industries. This is a minority.

Who is good for early consumption? Control the funds in the production chain. Capital is profit-seeking. I hope everyone will fall into the consumption boom, so that it can be squeezed more conveniently-

Your loan becomes their immediate income; When you repay the loan in the future, you have to sell yourself, which is exactly what capital wants to see. People who master capital can enslave you through money and live a luxurious life.

Anyone who tries to create consumer opinion in advance, anyone who encourages lending, must have huge capital energy behind it. Doing so is like the devil setting a trap.

However, capital does not include entrepreneurs who are responsible and committed to charity. They are the organizers of production and provide wealth for society.

Consumption in advance is not only a lie, but also an abyss of evil!

For consumption, the older generation earned a penny and spent half a penny, but now some young people spend the money they can earn the day after tomorrow two days in advance. There are many such cases around us.

This is the case with my wife and niece. Before they made much money, their credit cards cost more than 200 thousand. I didn't know much about this kind of thing before, and I didn't understand these strange things. Later, I heard my second daughter talk about this, which really scared me. I asked my daughter at that time, how will they repay this part of the money in the future? The girl replied, earn slowly.

In order to solve this problem, many children finally dragged their parents in because they were unable to repay.

But the key question is, is there really no limit on credit cards?

Yes, it's a trap for the west. Chairman Mao taught us not to panic when we have food in hand. It is better to live within our means and spend as much as we earn. If we want a better life, we should encourage ourselves to work harder to earn money, instead of being proud of borrowing and owing. I don't quite understand the consumption view of young people now. Overdrawing, enjoying in advance, and borrowing money are all skills. If there is a change in your job and an emergency occurs, what are you going to take to pay off the debts you owe? Are you old or old?

If you spend in advance, you must also be able to repay. It would be terrible if the debt could not be repaid. I suggest that you should live within your means. I have a colleague named Ximin. She only has three or four thousand yuan a month, but she lives a rich woman's life. She told me that she had overdrawn her credit card and lived beyond her means. Up to now, she still lives alone and no one wants her.

I have a relative who is in the clothing business recently. Recently, she just bought a house in Wuhan with a total price of 654.38+0.5 million. She made a down payment of 500,000, of which only 300,000 was her own fund and 200,000 was borrowed from others. In this way, she spent 300,000 yuan and bought a house of 1.5 million. With such a large leverage ratio, the mortgage will be repaid at 8,000 yuan every moonlight. In fact, how can this family of three live?

I mean, proper leverage may still be a pleasure to your life, while excessive leverage will bring you endless pain. Don't think it's good that banks don't lend for nothing. If you borrow it, you have to pay back the loan interest. After you pay off the interest, you can buy another suite. Consumption in advance kills people, and some people are forced to live by debt collectors every day. Why bother? It's really better to live within our means.

A good harvest will never forget a poor harvest year.

Take precautions. This is the experience of the Chinese nation for thousands of years.

Of course, capitalism should advocate consumption, otherwise, who will the goods they produce be sold to?

I encourage you to buy it at buy buy, even if it costs money tomorrow. Why?

Just for their benefit.

Walking in the street, you can see many advertisements. The purpose of advertisements is to instill the concept of consumption in your mind.

Let you feel that if you buy a bag, clothes and a car, you can feel the feeling of high society and be sublimated in the spiritual level.

After a long time, everyone thought that biting their teeth and buying a high-end product would raise their status. Therefore, vigorously consume, even if you use various online loans, you must consume in advance.

In order to improve the pressure, businesses have also begun to engage in various luxury goods. Just to make you affordable and experience a feeling of luxury.

On the other hand, you can sometimes see advertisements for various luxury cars and luxury houses.

Do you think advertisers are stupid enough to push this kind of advertisement for me because they have no money?

In fact, people must know that you have no money through data analysis. Why do they want you to see this advertisement?

Just to let the public know that this is a luxury car.

Otherwise, if local tyrants buy cars and you don't know each other, how can you pretend to be forced, right?

Many strange ideas about consumption are driven by capital behind the scenes.

For example, you can only make money by spending money. Think for yourself, what is the relationship between spending money and making money?

No matter how much you earn, moonlight clan is still moonlight clan.

It's cool that you spend in advance now, but can you spend all the time?

Can you maintain high consumption power after your labor force is worthless? Only through the pit.

Consumerism is such a pit, advocating the pursuit of short-term enjoyment. I feel that I am eating, drinking and enjoying, but I am actually digging a hole for myself and sending money to the capitalists.

The point is that many people don't know yet, and they are quite happy.

Forget it. Just be happy.

Loan consumption is a new means for capitalists to earn money from ordinary people and make them poorer. Whether you borrow money to buy a car or a house, if you borrow100000, the principal and interest will basically reach 200000, and if you borrow1000000, the principal and interest will basically reach 2 million. Loan is a game for business people, and it is definitely not a means of consumption for ordinary people. Living within our means is the iron law of living consumption. People are poor, and if they borrow again, they will never turn over in this life. I hope I'm wrong.

Consuming in advance means consuming the income you expect to generate and the accumulation of your past labor value, that is, personal credit guarantee. This is the bottom line of contemporary credit consumption. If you break through this bottom line, individuals and society will have unpredictable risks, and even evil capital will not let you have good wealth and live a happy life. The principle of consumption is to generate income and open source, base on the present, plan long-term and guard against risks. This is the principle of consumption. Don't be fooled by excessive consumption. When the money is spent, the family will decline and be displaced. No one will bear it for you, and there is no capital to pay for you.

Hello, I'm a loan officer in Wuhan. Consumption in advance is not a fashion, but a lie made up by evil capital. what do you think?

be lost in thought ...

In the past, when there was no credit card consumption, there was no need to spend money or save money ... you would make a savings plan for anything you wanted to buy. Because we have these things, it is really convenient ... we can buy what we want by biting our teeth, and we are not afraid to spend what we want without money. I just don't see any money in my card ... the rest are negative assets. As long as you have the repayment ability, your consumption desire can't be controlled, but there is no condition to pay it off at one time. Recently, a friend is particularly fierce. He still owed several cards and stopped biting his teeth. Even if she doesn't spend ... she still works in other places, and her salary is not high, and her family won't help her ... forcing herself to go out to the Internet cafe to sell hamburgers after work. From ordering takeout every day to cooking for yourself.

First of all, the benefits of early consumption

1. Promote consumption growth. By surpassing consumption, we can promote new consumption hotspots, expand market demand, make the consumption structure more reasonable, and in turn promote the growth of production and keep a virtuous circle of production and consumption.

2. Improve the efficiency of the use of funds. If you choose to spend in advance, you can use the funds in other aspects, improve investment efficiency, fully enjoy the fun of life and improve the quality of life.

Second, the disadvantages of early consumption

1, blind consumption: ahead of consumption will stimulate people's pursuit of material things, and it is easy to consume beyond personal economic ability.

2. Debt crisis: If there is too much social debt, it is easy to trigger a financial crisis during the economic downturn, such as the financial crisis that broke out in the United States in 2007. One reason is that WHO has accumulated too much debt.

20 18 "survey report on the prospect of providing for the aged in China" shows that among the younger generation (under 35 years old) in China, 56% have not started saving, while the other 44% have started saving, and their average monthly saving is only 1389 yuan.

Colleague Xiao Wang, a former moonlight clan, advocates consumption in advance. However, with the growth of family and children, as well as the growth of parents' age, he gradually realized the importance of his responsibility, began to return to rational consumption, and gradually cancelled many credit cards and embarked on the road of regular savings. In his words, "I came back from the cliff."

The "20 19 Summary Report on Consumer Financial Literacy Survey" issued by the central bank has aroused social concern. There is another set of data that attracts people's attention: last year, the per capita holdings of credit cards and debit cards in China increased by nearly 20%; In the first quarter of this year, the total outstanding credit of credit cards overdue for half a year reached 79.743 billion yuan, nearly 10 times that of nine years ago.

When asked whether consumers had considered their solvency before applying for a loan, 7 1.37% of consumers chose "Yes", 3.70% chose "No" and 24.92% of consumers never applied for a loan. Compared with 20 17, consumers' ability to consider repayment before applying for a loan has improved, and the overall proportion of considering repayment ability has increased by 0.83%. The proportion of people who did not apply for loans decreased slightly by 0.27%.

I think: Generally speaking, consumption in advance is the inevitable result of social development to a certain stage. The fundamental reason behind it is that people need to consume in advance to realize the subjective requirements of high-quality life, and the basis for realizing consumption in advance is the objective environment with stable political and economic conditions. At present, China is in such a subjective and objective environment, which has given birth to a more prosperous consumer finance market than before.

There are tall people in long clothes.

Be pregnant and drink a lot of vinegar.

With a lot of money, many things can be done well.

Great strength, bearing multiple burdens.

These words are the ancient people's exhortations to our country to stay among the people, do housework and live a good life diligently.

The western advanced consumption concept, which only cares about immediate comfort and ignores tomorrow and future generations, has been widely publicized by some people who advocate the western consumption concept under the signboard that consumption can promote production, promote economic development and improve the so-called civilized modern life, greatly improving its communication power. It has been welcomed by some executives and businessmen who pursue immediate interests and recognized by some decision makers, so corresponding measures have been introduced and popularized in China, thus many low-quality enterprises have been born. What is the result? In real life, it can be seen that it is obvious that the facts are better than such comments.

Excessive consumption beyond time and space is not impossible to implement, but we must do what we can according to our family structure, long-term economic income and solvency, and we must never engage in "crake consumption." Otherwise, it is to dig a trap for yourself and artificially turn the quiet life of the family into a stressful life with heavy debts. As the saying goes, people who are light without debt and heavily in debt will feel very tired one day. If something unfortunate happens at home and money is spent, it will be even more sad. It can be seen that what the ancients said at the beginning of the article is very reasonable and worth learning and learning from.