February** Dynamic Incentive Program
Many young people always feel that their wages are not enough to spend, and they have worked hard for a whole year, but in the end the savings are not four figures, and the reason for this situation,In addition to low wages, it has a lot to do with the current social situation and consumption concepts.
I believe many people will have heard the saying "the province should save the flowers, ride a bicycle to the bar".This is very different from the traditional concept of consumption, and this is indeed a true portrayal of contemporary young people. So in this issue, let's talk about how the concept of consumption coerces the people?
The concept of consumption has a great relationship with society, individuals and culture, and people's consumption concepts are very different in different periodsTo sum up, it can be divided into four main periods.
The first is the period of the planned economyAt that time, our country had just stabilized, the material was scarce, the wages were limited, after the purchase of firewood, rice, oil and salt, there was little left, and even the ordinary people in the city had few opportunities to wear new clothes, and the consumer demand was restricted, and the main purpose of consumption was to maintain their daily life, and consumer goods were mainly practical.
In the early days of reform and opening up, the social situation has changed, the material has become rich, the living standards of the people have improved, and the consumer demand has been releasedConsumption patterns have also changed from self-sufficiency to collective consumption.
This was followed by a period of social transformationIn addition to maintaining daily life, most families have entered the stage of moderate prosperity, and in addition to maintaining daily life, they have begun to pursue personalized fashion and enjoyment, coupled with material diversity, which has also stimulated consumption, and the consumption mode is also dominated by personal consumption.
Finally, there is the information ageIt refers to our current situation, material virtuality, consumption and shopping can be carried out online, simple and fast, and many people are accustomed to online shopping.
I don't know when it became very difficult to save money, and many people complained: obviously they didn't spend much, their wallets were still getting more and more empty, and they couldn't save money at all.
even derived the "Moonlight Clan" because of thisIt refers to people who have spent the entire month's salary at the end of the month, and this kind of person is not uncommon, so why do we have no money?
When it comes to this issue, there are actually two main points, income and expenditure。Income refers to the level of wages, and the issue of wages can be said to be one of the most complained about by young people today.
With the number of college graduates, the serious depreciation of academic qualifications, college students' difficulty in finding employment, unable to find a job and other topics frequently rush to the hot search, even if they find a job, they may not be satisfied, basically the salary is not high, and it is not even as good as that of migrant workers.
Taking Shenyang, Liaoning Province as an example, most graduates working in Shenyang have a salary of about 3,000-4,000 yuan, and there is not much money left at their disposal, excluding rent and food expensesAs a result, many people often complain that their wages are too low and they can't save money at all.
The second point is the cost. With the development of the times, goods and services have given people more choices, and many people have been emptied of their wallets before they know it.
Especially after the advent of online paymentsYou only need to scan the code to complete the paymentMany people gradually lose the concept of how much money to spend.
At present, the "main culprit" of hollowing out people's wallets is the Internet, and the development of the Internet has brought more convenience to people, but it is also gradually emptying people's pockets.
The first is the influence of social **。People learn about the larger world through socialization**, and are also exposed to a variety of luxuries and ways of consuming.
Looking at the people on social **, showing and showing off their lives, many people are aroused to buy, and want to get other attention by buying all kinds of expensive luxury goods, pursuing so-called identity and social status.
Let's not say whether this is right or wrongBut if you want to maintain this "luxury" life, you have to spend a lot of moneyIf you have money yourself, it's okay, but you still don't have too much money, then if you want to maintain this kind of life, you will definitely bring a heavy burden to yourself.
The second is a variety of ads**. Advertisements can be found everywhere in our lives, and some advertisements cleverly use psychology to create an illusion and lead people to make impulsive purchases.
There are even some advertisements that falsely advertise and exaggerate the merits, which makes people want to buy, and even some people blindly place orders without thinking about whether they really need it.
The third is to take advantage of people's psychology of comparison. The psychology of comparison refers to the consumption psychology of blindly climbing up from one's actual income level.
And this situation is not uncommon, and even among students, there are cases of comparison. For example, if a parent buys a child designer shoes or a mobile phone, when the student shows off to others, it may inspire other students to compare.
The psychology of comparison is very terrible, it is one of the main reasons for the distortion of the concept of consumption, many people know that they are wrong to do this, but for the so-called vanity and comparison or insist.
Various activities**。Speaking of activities**, then we have to mention doubles.
Ten. 1. Double Twelve, all kinds of full reduction coupons are superimposed, which can save a lot of money.
Therefore, many people will buy a lot of things at this time and feel that they have earned it, but have you ever wondered if what you buy is really what you need? Or is it because it's cheap or to make up for it?
Finally, there is the game entertainment top-up. Now there are many things that people need to recharge and use, such as members of various film and television software, only members can be free of ads, as well as live recharge and gifts, as well as game recharge and so on.
The amount of each recharge may not be much, basically dozens or hundreds, but it is also a lot of money to accumulate, and some people can even recharge tens of thousands of dollars, or even hundreds of thousands, in order to give gifts to the anchor or buy games.
These games can indeed bring happiness to people, but these happiness is short-lived, and it will only make people feel more empty after it is overAs a result, some people maintain this happiness by continuing to rechargeThis behavior is also one of the main reasons for empty wallets.
It's not that gaming entertainment top-ups aren't advisableThe most important thing is to have a degree, not to recharge blindlyBe clear about your situation and stay sensible.
I want to make my wallet bulge,The most straightforward way is to open sourceto increase their income, so that they can also meet their various consumption needs.
But in today's social environment, it is difficult to increase income, after all, there are limited jobs and the number of college graduates is growingThe job market is already saturatedMany people still receive the most basic salary and don't know how to change it.
And in the case of not being able to open source, people need to learn to save and make their wallets bulge by saving money. Of course, this does not mean that people want to lower their standard of livingMaintaining a stable standard of living and saving money do not affect each other.
First of all, we must control our comparison and blind obedience. These two psychology can be said to be the root cause of the empty wallets of young people today.
Many people see that there are many bloggers on the Internet recommending a certain product, and they are slowly moved to choose to buy it when they don't need it, if you are like this, then it can only be said that you have fallen into the consumption trap.
If you keep buyingIt is inevitably impossible to save moneyTherefore, if you want to save money, the first thing you need to do is to understand what you need.
The easiest way to do this is to think before you shopRefusing to place an order blindly, especially at night or when you are alone, is prone to impulsive spending.
It is recommended that you can put the items you need in the shopping cart before making a purchase, and carefully consider whether you really need to buy again in two days, which can reduce a lot of unnecessary expenses.
The second is to develop the habit of bookkeeping, can more intuitively let you know that your money is spent in, so that you can make targeted changes, and most bookkeepers, self-control ability will also be enhanced, while keeping accounts, know which money should not be spent.
Finally, it's about setting a planIf you can't control it, you can give yourself a monthly spending limit, so that you can control your spending within the limited amount, and the remaining money can be stored in a place where you can't easily move, and it is also a very good choice to force yourself to save money.
The Moonlight Clan seems to be dashing, but it's not a good habitIf you don't have money in your hand, it means that your ability to resist pressure is reduced, and once something happens, you don't have any resistance at all, so it is necessary to save money.
At present, the fundamental reason why young people can't save money, in addition to low wages, is that there is a problem with the concept of consumption, and the bad concept of consumption may increase people's anxiety about moneyA lot of people are unknowingly saddled with heavy debtsand even fell into economic difficulties.
It may even lead to overlook the importance of immaterial values. Some people are accustomed to seeking happiness through consumption, which is wrong, in addition to material consumption, relationships and healthy living can also bring happiness to people, and in the case of excessive consumption, these non-material values can be easily sacrificed.
The main thing is that the wrong concept of consumption is likely to cause a great burden on people and the environmentWhen people realize that they have been burdened with heavy debts, they often have great psychological pressure, and excessive consumption may also cause waste of resources and waste accumulation, which will bring a burden to the environment, so it is necessary to change their consumption concept.