What are the hazards of leading consumption?

What are the hazards of leading consumption?

What are the hazards of early consumption? Now, basically, many people will spend in advance. Advanced consumption refers to a kind of consumption behavior or mode in which the consumption level of residents exceeds the social and economic development level of their own country in the same period. The rise of advanced consumption and the change of consumption pattern play an important role in the process of social and economic sustainable development. Let's take a look at the harm of early consumption and related information.

What are the hazards of leading consumption? 1. First, 79.7 billion credit cards are overdue for half a year! Debt is crushing this generation of young people.

According to the "Overall Operation of Payment System in the First Quarter of 20 19" issued by the Central Bank, the total outstanding credit of credit cards overdue for half a year is as high as 79.743 billion yuan; The credit balance of bank cards was 6.98 trillion yuan, a month-on-month increase of 1.79%.

Relevant data show that in 20 10, the total outstanding credit of credit cards overdue for half a year was only 7.689 billion yuan. But by 20 19, this number has increased by more than 10 times.

According to statistics, the number of debtors has reached 700 million, and the overdue rate has reached 42%. The number of people executed for breach of trust has reached 5.7 million. Simply put, there is one Lao Lai in every 247 people in China. Our country has a population of 14. Apart from the elderly and children, how many young people who have the ability to work are not in debt?

In 2020, the sudden epidemic will reduce the income of more people and even lose their jobs and incomes. On the one hand, it has lost its source of income, on the other hand, it has to pay back the mortgage, car loan and consumer loan every month. In pain and hesitation, many people have no choice but to give up their confession. Because there is no income, no savings, life has become a problem, and there is no way to repay the loan owed.

However, when we are faced with the debt crisis, the first thing is great pressure, which makes many people lose confidence in life. Because there is no income, it can't support the repayment pressure, and it is about to face various defaults. We are educated to be honest and trustworthy, and we dare not put down our face easily. We even have the idea of taking a chance, which is often robbing Peter to pay Paul.

As a result, there are more and more debts, and it is really tiring to calculate the bill amount of various repayment platforms every day. When we deal with various bills frequently, we will drag ourselves into endless trouble space, even every day. I have no mind to work hard and try to increase my income.

Many times, borrowing is like snowballing. The financial interest-bearing method with interest will increase the debt geometrically. When our credit line is extremely overdrawn, when we can no longer turn around, when our income is not enough to pay interest, infinite despair and fear will sweep our hearts and destroy all our dreams and confidence.

Why do we see many people in debt become extremely decadent? It is because of the infinite fear in the early stage of "overdue outbreak", all kinds of unbearable pain of collection, incomprehension and sarcasm of relatives and friends, and inability to face their own inner escape. When there is no way out, many people often close themselves in despair, treat life negatively, and even lose the courage to live.

Second, pressure is power, but too much pressure is "destruction"

We often say that "people are light without pressure, and wells without pressure do not produce oil." Some people even say that success is pushing yourself against the wall. It is true that many legends have such genes. Excellent people can really turn the tide and create legends. But we don't see the common phenomenon that many people are destroyed because they can't stand the limit.

We should admit that there are differences between people, and not all of them are top experts. Just like Master Hong Ren, the fifth ancestor of Zen Buddhism, Huineng, the sixth ancestor, can inherit the mantle because Huineng asked someone to write a poem on the wall: Bodhi has no trees, and it is not Taiwan in the mirror. There is nothing, so there is no dust. This poem is adapted from Shen Xiu's poem: The body is a bodhi tree, and the heart is a mirror platform. Wipe frequently, and don't create dust.

These two poems reflect the understanding of Tao by two different people. It is a step-by-step process to realize that the growth and change of people need constant practice and constant revision in order to be clear-headed and see nature clearly. Enlightenment is the way of epiphany, you are born with wisdom, once you get the Tao.

There are really talented and smart people around us who can understand clearly, but most of them need a way to gradually realize through constant practice and growth. When you grow up, you must control your own rhythm and pressure.

Just as some people are born with divine power, most people need constant exercise to increase their strength. If you give an ordinary person more pressure than he can bear, then he will be crushed.

In our life, no matter our school education or family education, there is too little education on our concept of finance and business. In the rapidly changing social environment, it is easy for us to get lost in the wrong cultural torrent.

Wrong cognition makes us deeply under unbearable pressure, so we must destroy it, not exercise it.

Personally, I think we need a qualified life tutor in the process of growing up, especially the education of financial management concept, which should be the focus of our study. At the same time, we must recognize ourselves. We are not born gods, and we have no aura of epiphany. The road to success needs us to realize gradually.

Reasonable planning can turn sand into towers. This requires perseverance and patience. Rushing for success and blind self-confidence will only lead us into the abyss. Excessive debt pressure is constantly destroying groups of young people.

Third, the wrong value orientation and financial business model are the "executioners" who slaughter creativity.

In a materialistic society, money becomes the only criterion to measure a person's success or failure. The myth of wealth advocated by various media distorts many people's cognition of wealth.

Wealth is indeed a necessary condition for our life, but not everyone's life and value should be advertised by wealth. Why are many officials corrupt? Why do many teachers switch to business? The extreme concept of money destroys not only young people, but also the distortion of the whole social system. Because in today's society, we have witnessed the cross-border rights and interests of money.

When our perception of wealth is biased, it is also the time when our life is distorted. Even for money, we lost our bottom line and the correct track we had adhered to.

What is often witnessed in business is the looting story of wealth. Poisonous food, poisoned milk powder, fake and shoddy products, pyramid schemes, etc. It is an abnormal manifestation of the misplacement of the concept of money.

When there is a problem with our concept of wealth, we will find that many people will buy from buy buy for external face, and finally package themselves as successful debtors.

Relevant data show that the post-90s debt has reached 18.5 times of the average monthly income, and the average debt is as high as127,900 yuan. Ant Financial and Fidelity International's 20 18 survey report on China's pension prospects shows that the average monthly savings of young people aged 18-34 is only 1339 yuan. We don't care about the rigor of this set of data for the time being, but this set of data released by Ant Financial really makes us feel deeply.

This year, the Prime Minister of our country also truly said that there are 600 million people in our country whose monthly income is less than 1000 yuan, which shows us the living standards of most people. Don't be blinded by billionaires and multimillionaires, but look at our own lives with a normal heart.

Poverty has become the most prominent label of this generation of young people. What is even more frightening is that the huge pressure and cost of living, coupled with the wrong concept of financial management, have caused many young people to be penniless and become moonlight families. In order to maintain the so-called ideal life, crazy young people whose credit is overdue and caught in two worlds of ice and fire have become a major social problem.

The mercenary business model is frantically digging traps.

Do you get many phone calls to promote credit products every day? Do you receive all kinds of low-interest credit messages and advertisements every day?

Why are there more and more people in debt now?

We deeply analyze the reasons:

1, the wrong values guide, let many people get lost in the torrent of borrowing.

2. Convenient credit channels have slowly eroded many people's wallets. When we can easily get loan funds, then we will unconsciously think that we have disposable funds and slowly forget how much future we have overdrawn.

3. Driven by interests, businesses constantly create reasons and concepts of "having to buy" for many people. Consumerism is rampant. Every day, all kinds of information whitewash your cognition of consumption, madly incite people to spend mindlessly, and even link consumption with identity, class, taste, IQ, love and affection. Merchants are racking their brains to steal your wallet, but without vigilance, you will put on a heavy debt yoke for an unplanned life and a wrong consumption concept.

Countless young people are piling up unbearable debt mountains for themselves, contributing your humble blood and sweat value, advanced enjoyment and face to the society, and opening the floodgate of debt flood bit by bit. When you are submerged, you are countless debt collectors who fall into the rain. When you wake up, you are black and blue, and even your life is gone.

This is a beautiful era, but it is also an era full of gorgeous crises. Over-consumption and wrong consumption keep putting on chains that you can't turn over, and eventually you become a slave to money.

You need to be responsible for your own life. If you are confused voluntarily, no one can save you!

What are the hazards of leading consumption? 2 Let's talk about the benefits of leading consumption.

First, consumption in advance is the product of social development and the improvement of people's living standards, and it is the practical need of consumers in a well-off society. By leading consumption, we can drive new consumption hotspots, expand market demand, make the consumption structure more reasonable, in turn, promote the growth of production and keep a virtuous circle of production and consumption.

Second, consumption in advance can improve the utilization rate of funds. Everyone who studies finance knows that only when circulating funds enter the market and exchange goods in an equivalent way can money have the value it should have. Although leading consumption is a kind of debt, moderate debt gives people motivation and pressure, prompting people to work harder to solve the debt to meet the requirements of life.

Third, in response to national policies, the state encourages consumption, and the people boldly consume and consume in advance, creating GDP and driving economic growth. Encourage entrepreneurship, increase employment and provide financial assistance to entrepreneurs.

Consumption in advance is not an irrational behavior in imagination.

But excessive consumption in advance will also have many disadvantages.

Excessive consumption in advance refers to the unreasonable resource allocation pattern formed by the growth of consumer demand seriously exceeding the growth of production. This kind of excessive consumption seems to be economic prosperity, but it is not, which is easy to cause a "bubble" economy.

First, the research report shows that in recent years, the number of people who borrow money to buy a house and a car has increased year by year, and online loans have risen. Many people can't make ends meet, and even lead to loans to support loans, which violates the principle of sustainable consumption to some extent.

Second, once the consumption is excessive in advance, it is obvious that some consumption is meaningless, and it may just be for enjoyment or comparison. Excessive consumption in advance accelerates the consumption of the earth's resources and the deterioration of the global ecological environment.

Third, it is easy to stimulate people's desire for shopping, which makes people simply crazy about shopping itself, become material slaves, lose the pursuit of self-control and self-worth, and become money worshippers.

Fourth, it is also excessive consumption that leads to the emergence of a batch of "old lai" in society, which makes some people who can't control themselves lose their credit, and the problem of credit investigation appears early in the era of credit society. As a result, some young people lose their fighting spirit and muddle along. In other words, excessive consumption led to the rise of online loans and helped them, so that money worshippers eventually became slaves of money and fell into it.

What are the hazards of early consumption? First, we don't pay attention to desire at all. In the face of desire, nothing else matters. Therefore, in fact, today's young people are not just "over-consuming", but lack a correct view of consumption. There is no one to guide them and tell them how to spend correctly. As an adult, all kinds of temptations to eat, drink and be merry come one after another, which makes you want to stop and hold the hand of temptation desire.

Second, because of our traditional culture in China, China's education policy has always avoided talking about "money". Apart from "saving is a virtue", there are few courses in school to teach students how to deal with financial problems. However, the external economic environment is becoming more and more complex, and financial products are becoming more and more diversified, which leads to many people simply unable to cope with it, which in turn leads to social problems such as "naked loan", "raising cards with loans", "moonlight clan" and "ahead of consumption".

Third, I am a good example. I've been obsessed with technology products since I first started working. I have always been a die-hard member of the Moonlight clan, such as changing mobile phones, tablets and computers one by one. This puts me in a vicious circle of consumption. I overdrawn my spending, paid my salary, and then continued to spend. Fortunately, I woke up early.

Pay close attention to cultivating your own financial quotient, learn financial quotient knowledge, and establish a correct view of consumption and money. Now I can make my money appreciate steadily through investment and financial management. From earning a meal at the beginning to satisfying your small wishes, now relying on income, buying a car and a house can satisfy your bigger wishes.

Fourth, being alive is still a very happy thing. The maximum sunshine and air are free. Why do you want to ruin your great life in pursuit of temporary pleasure? The real success is not temporary entertainment and crazy consumption, but maintaining a high degree of self-discipline, always full of passion for life, and using your own efforts to get what you want, so that life is meaningful.