Today's young people love to save more than to spend money!
According to the central bank, in 2022, after the new level of RMB deposits in China hit a record high, in 2023, deposits increased by another 2574 trillion yuan.
It can be seen that in the era of economic downturn, saving money has become the first choice of most residents.
However, what is surprising is that nowadays not only middle-aged and elderly people love to save money, but also young people have joined in.
In 2022, after conducting a survey of 2,200 young people across the country on saving money, the Houlang Research Institute found that there were 417% of the post-90s have the habit of saving money, and the post-95s have reached 406%。
In order to save more money, young people have their own tricks.
In addition to the usual practices such as reducing expenses, keeping accounts, and engaging in side jobs, they are keen on "spending money on the old" and have also engaged in "special forces" to save money.
In response to this phenomenon, some experts deliberately stood up and spoke, declaring:Young people should not fight for savings, "young people should fight for hope".
But netizens have left messages: hope is to deposit more and more!
How hard can young people fight when it comes to saving money? Why would people prefer to save money rather than spend money?
When a person wants to save money, he first sets goals for himself.
In 2021, Zhao Xingye, a college student who graduated in Wuhan, found a job with a monthly salary of 8,000 yuan, and in order to save money, he set a goal of saving 100,000 yuan a year.
It's not hard to set goals, but it's hard to move on to the next second step, which is to cut back on spending.
Zhao Xingye did this, he got two cards, one is a salary card, and the other is a life card.
The former is responsible for savings and is not bound to WeChat or Alipay, while the latter is bound to WeChat.
When the expenses are concentrated on one platform, he can intuitively know from the data summary at the end of the month that he has spent the money.
After bookkeeping, young people will know better how to save unnecessary expenses.
For example, when you want to buy milk tea, turn off the takeaway software and save 20 yuan to the card;
If you want to buy food, buy expiring food; If you want to be entertained, you should reduce going out to socialize and read books instead;
If you want to buy clothes and shoes, don't buy expensive brand goods, only pick cheap ......
In the beginning, saving money is difficult for many people, but as the amount grows, people also suffer from "compulsive number disorder" – that is, only the whole amount of the balance is kept, and the amount beyond the whole number is free to use.
For example, if they have $100,000 and $30 left in their balance, they will choose to spend that $30 instead of more.
For some young people, saving money is addictive.
Wang Rui, a civil servant from Inner Mongolia, wants to save enough 100,000 yuan in 2022.
Every night, she transfers all her deposits to the same account, looks at all the assets she has, and then transfers them back.
She describes herself as "like a miser with gold", but it is precisely because of the increasing amount of savings that she is more motivated to keep saving.
In order to be able to achieve the monthly deposit goal, she deliberately set up an app to calculate the number that needs to be stored every day according to the amount she has.
Several times she spent the money that should have been deposited, so there was no money to save in those days, looking at the blank in the clock-in calendar, Wang Rui panicked all of a sudden, and then he didn't dare to spend money indiscriminately for that time.
Every time he sees the app prompting himself that "you have been saving money for x days in a row and defeated xx% of customers", Wang Rui will have a sense of security and satisfaction, and feel that saving money is the right thing to do.
Of course, sometimes saving money is addictive, and it is easy for people to become "picky".
During the Spring Festival this year, Wang Rui's mother sent a few red envelopes of 200 yuan in the group of relatives, and Wang Rui quarreled with his mother for this, thinking that his mother was too extravagant and wasteful, and the money could be used to buy a second-hand bag.
Mom didn't understand this and said:"Why did you become so slammy?! ”
Although the mother and daughter finally reached a reconciliation, they decided not to interfere with each other's practices in the future.
What the mother didn't know was that her daughter thought about how to save more money every day, and even thought about insomnia until 3 o'clock in the morning.
As a civil servant with a monthly salary of only 3,000, Wang Rui is frugal, and the amount he can save in a month is extremely limited.
To this end, Wang Rui deliberately found a side hustle to increase his income, and this has become the third step for young people to increase their savings.
Every weekend from 8 a.m. to 6 p.m., she teaches dancing to the children's facility.
Although after doing this, Wang Rui did not have any time to rest, but her deposit balance was a lot.
In today's era, there are not a few young people like Wang Rui, some of them are migrant workers, and some are even just college students.
They like to gather on Douban's "Heartbroken Money Saving Group", which collects posts on Xiaohongshu with a deposit of 300,000 yuan a year, and also uses the financial bestseller "Puppy Money Money" as a guiding textbook.
"Saving money is like quenching your thirst. "The more you save, the more you want to save." ”
Although everyone's deposits have increased, the interest rate on bank deposits has also fallen.
In 2023, since many large state-owned banks lowered their deposit rates, many small and medium-sized banks also lowered their deposit interest rates around August, and the 3-year and 5-year deposit rates of some township banks have fallen below 3%.
As a result, among young people, a "special forces" way of saving money has emerged, that is, to deposit money in banks with higher interest rates before some banks have lowered their interest rates.
August 12 happened to be a Saturday, but Doudou deliberately got up early in the morning, took the high-speed train from Lianyungang to Hangzhou, and then took the subway to the Bank of Jiangsu to deposit money.
After saving money, she took the high-speed train back to her hometown Suzhou at 6 o'clock, ending the day of special forces-style money saving.
Doudou's deposit is not much, only 150,000, but since this is the first huge deposit in her life, she must be cautious and choose the most suitable bank.
At that time, she found out that the deposit interest rates of different regions and banks were not the same, and in order to obtain higher interest, Doudou specially calculated an account against the local and non-provincial bank interest rates.
If the principal amount of 150,000 yuan is calculated, the three-year interest rate of some banks in Suzhou is only 29%, that is, 13,050 yuan.
But if you go to the Jiangsu Bank in Hangzhou to deposit money, the interest rate is 33%, the interest can be 14,850 yuan, which is 1,800 yuan more than the former.
When she contacted the account manager of the Bank of Jiangsu online, she promised to reimburse her for the ticket and give her gifts.
Doudou was immediately moved, and it didn't take long to buy a high-speed rail ticket to Hangzhou.
After successfully saving money, the account manager reimbursed her for more than 100 high-speed rail tickets and gave her a shopping card of 300 yuan.
After many young people like Doudou shared their special forces-style money saving experience on social platforms, they attracted the attention of a large number of netizens.
After the rise of this wave, a number of "Internet celebrity banks" with higher interest rates were also born.
Many people are starting to look everywhere for 4The "treasure" bank with 0% interest rate, or for the extra thousands of dollars of interest, does not hesitate to cross cities and provinces.
In addition to the trend of special forces-style saving, young people have also risen to "rub old consumption".
It refers to the fact that society provides some convenient and inexpensive resources and facilities to take care of the elderly, but young people try to save money and enjoy this consumption.
The most common is the community cafeteria for the elderly.
Xiao Ye, from Chengdu, is a frequent visitor to a senior community canteen on Shuhan Street, where the food is cheap, with a minimum of 4 yuan, and the portion is large enough to look very clean.
This canteen does not refuse young people to come to consume, while the elderly can enjoy subsidies for eating, so every meal, the canteen is always crowded with old and young people.
This situation is becoming more and more common in many big cities, and it is said that in Shanghai's elderly community canteens, you can eat well for as long as 10 yuan, so young people are also very keen to come and "rub the old".
In addition, some young people choose to live in an apartment for the elderly with a monthly rent of only 300 yuan, but behind the low rent, they need to provide 15 hours of volunteer service for the elderly in the community every month in exchange.
There are also young people who deliberately choose the courses pioneered by the University for the Elderly when they sign up for interest courses.
At a university for the elderly in Guangdong, you can take 16 piano lessons for 500 yuan, each of which lasts 90 minutes, which is far more affordable than the thousands of yuan courses on the market.
It can be seen that in order to save more money, young people have shown their own talents, and even saving money has gradually evolved into an important knowledge in the hearts of young people.
And on today's social platforms, whoever can save more money can become a "hero" in the hearts of young people.
Young people who love to "buy, buy, buy" often need an opportunity to start saving.
Some may be because they want to buy their favorite computers, mobile phones, or luxury goods, some may be because they want to study abroad, and some may be in urgent need of money ...... due to changes at home
But there's no denying that many young people have only started saving money in recent years.
Zhao Xingye graduated in 2021, just in the most difficult period, the news of layoffs in large factories often comes from the Internet, and many companies have reduced their recruitment staff, and even if they are recruiting, they will not choose fresh graduates like Zhao Xingye.
But Zhao Xingye's resume is not bad, he graduated from 211 University and also interned in large factories and state-owned enterprises, but when it came time to find a job, it took nearly half a year.
When he finally joined a real estate state-owned enterprise, his monthly salary dropped from more than 10,000 yuan to 7,000, which is said to be because the property market is not good, so the bonus performance has been cut by 50%.
It was also from that time that Zhao Xingye planned to save money seriously, so as to better protect the future.
In fact, according to relevant data in 2021, more than 70% of undergraduates graduate with a starting salary of only 3,000 to 7,000, and only 4 have a monthly income of more than 10,0003%, and most of them are majors in computer, electronic information, architecture, etc.
What's even more cruel is that even five years after graduation, it is only 446% of undergraduates can earn more than 10,000 yuan a month.
Therefore, in many cases, it is not necessarily that young people do not want to consume, but they really have no money to spend.
In addition, the economic downturn in recent years has had a significant impact on the employment of young people, and the unemployment rate has increased while it has become more difficult to find a job.
According to official data, in 2023, the youth unemployment rate in urban areas of the country will be as high as 204 per cent means that one in five young people is unemployed.
It is precisely because it is easy to lose unemployment and difficult to find a job, so young people have to change their consumption concept, because once they have too much debt, they will become quite passive when they lose their jobs.
Then when the work is not stable enough, they can only minimize unnecessary expenses and store a certain amount of savings at the same time, in order to create a buffer zone for all kinds of unexpected accidents.
For example, if they are laid off and they can't find their next job right away, they can still rely on the money they have saved to pay rent and meet their daily physiological needs such as food and drink.
Young people start saving money, which not only gives them more security for the future, but also helps them feel more in control of their lives.
A girl named Song Zimu worked hard alone in Shanghai, and as a primary school teacher, she had saved more than 500,000 yuan at the age of 31.
If she doesn't get married or buy a house, she is often urged to marry by relatives and colleagues, and persuade her to buy a house with the other party as soon as possible, but because of the deposit in the account, Song Zimu feels that she has the confidence not to rely on anyone, and the rhythm of life can be arranged completely by her own ideas.
There is also a girl named Lin Hui who deliberately cut down on food expenses after saving money for accounting.
Gradually, she actually decreased from 150 pounds to 98 pounds, and after she became thinner, she also became more confident and self-disciplined.
Of course, savings may seem essential for individuals, but if every young person is unwilling to spend, it will eventually lead to the inability to further expand social production, or even shrink.
If the social economy is not vibrant, it will further reduce the employment space of young people, then more people may be unemployed or difficult to find employment, and finally form an endless circle that traps everyone in it.
According to statistics, from 2020 to 2023, the currency in circulation in the market in our country has increased75 trillionAs of mid-November 2023, China's total national deposits reached 227 trillion, an increase from the previous year25.74 trillion
On the one hand, the central bank is printing money with all its might to stimulate consumption, and on the other hand, the Chinese people are frantically saving money and tightening their money bags.
Behind this strange phenomenon, there is a deep sense of insecurity, after all, the family has surplus food and does not panic, for ordinary people, savings is the biggest confidence.
Life is not always smooth sailing, and accidents always happen at any time.
Maybe one day you will be unemployed, or maybe one day you have an accident at home and need money urgently, but as long as you have a deposit, you can always solve your urgent needs and make yourself and your family feel at ease.
As for how to make young people willing to spend money and revitalize the consumer economy, it is also something that the relevant departments need to seriously consider and plan.
I hope that one day, when young people want to save money, they can save money spontaneously, but when they want to spend money, they can also spend it happily and without so many worries.
Have you deposited again during the Spring Festival this year?
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Facts**:1Daily People "Why are young people addicted to saving money? 》
2.Times Weekly ""Special Forces Style" Saving Money, a New Trend for Young People".
3.Why do young people become "picky"? 》
4.Tiger sniff app "Young people who are tight on money are rubbing old consumption".
Author: Mo Congling.
Editor: Willow Leaf chatter.