With a monthly salary of 4,000, you can buy a bag worth 20,000. How will "debt-based consumption" ruin the younger generation?

In order to have a glamorous appearance, some people do not hesitate to use their physical health, honor and disgrace, and moral bottom line as weights to obtain things beyond their financial capabilities, in order to gain the "affirmation" of others. ” and the inner “satisfaction” of oneself.

In recent years, the new term "debt-based consumption" has appeared on the Internet. To put it simply (in a narrow sense), many people buy goods that their self-consumption level cannot reach out of desire, vanity and other reasons. items, thus becoming heavily in debt. "Debt-based consumption" is more prominent among the new generation of young people.

How does debt-based consumption ruin the younger generation?

1. The influence of self-media on contemporary young people

I think the phenomenon of "debt" consumption has a great relationship with some of today's self-media. Some self-media accounts can be said to have reached the pinnacle of research on human hearts. They will use some slogans that can arouse many restless young people, such as: "You should be kind to yourself while you are young, because it is meaningless when you are old..." such as "I don't know which will come first, tomorrow or the accident. We also learn to enjoy..." So there are many young people below who agree with such words and feel that they should consume when they are young, otherwise they will wait until they are old to wear more beautiful clothes, use more expensive cosmetics, and carry more expensive bags. It's all to no avail... Following this kind of thinking, everyone starts buying and buying, but they don't even look at how much money they have left on their bank cards and credit cards, which becomes a vicious cycle.

2. The speed of making money cannot keep up with the willfulness of spending money to compare.

This is mainly related to personal experience and three-view thinking. Many young people see people around them buying all kinds of luxury accessories and going to various high-end restaurants, so their hearts begin to "shock". Under the "stimulation" of others, they also join the "debt consumption" trend. ranks. But such people don't care about other people's wages or family background at all. Once debt consumption begins, it is difficult to stop. Buying what is most suitable for you within your own financial capacity is a rational consumption concept.

3. Sellers take bait

In today’s society, all kinds of advertisements are flooding in. The most important thing is that many of the advertisements are of very high quality. In order to attract customers, they will not hesitate in the early stage. Advertising is done at all costs, so some impulsive consumers start to buy things willfully. When facing this kind of situation, we need to treat it rationally and choose what we need. Even if the seller makes lavish claims about the product, we can avoid this pitfall as long as we remain rational!

What should you do when you want to go into debt for consumption?

1.? First of all, you need to make a financial plan for yourself, such as how much money you plan to save every month and how much money you need to invest. This way you will be able to restrain yourself when you want to make impulse purchases.

2.? Enrich your mind, don’t compare, and cultivate a correct concept of consumption for yourself. Everyone has vanity to a greater or lesser extent. Faced with this situation, all we need to do is calm ourselves down. Compare in-depth things with others, and you may be able to convince yourself.

3. Consume rationally. When facing promotions or discounted products, ask yourself whether you really need this product.

4. Work hard to improve your abilities and make money. With a monthly salary of hundreds of thousands, no one will say anything if you buy a bag worth 20,000. Only by positioning yourself well and working hard can you get what you want!

No matter what stage we are at, we all need to have a correct concept of consumption! The above is my opinion, everyone is welcome to exchange and discuss!