When a lot of youths graduate impoverished,
After working hard a few years, be heavily in debt instead,
The financial standing of this youth how?
Recently, company of some data analysis was released " Chinese youth is indebted the state reports " , data shows, the youth that has 86.6 ％ is using credit product, about 60% have work 90 hind have materiality to be in debt, scale exceeds crowd of other generation time far, look so, a lot of 90 hind it is the travel before be in debt. Actually, it is those middleaged people that the room has a car to have child dare not resign not only, present youth also dare not resign easily mostly, although certainly the room does not have a car, can still product of a lot of credit wants to return.
Indebted the first pace: "Delicate " the life
Why 90 hind went up too " borrow money to live " the life? If will look from the angle of youth oneself, the belongings consciousness that is people is weaker, very difficult control gets his consumptive wish, plus consciousness of conduct financial transactions relative also weakness, defray of every months is more than income far, because this must lend money,live. Of course, the youth buys frequency tall, into not apply goes out, with each large network buys number of sale of platform, network excessive spending also does not have nothing to do is incendiary youth, many sale date ever had been outputted with " good-looking girl takes the property that burn money oneself " the content that gives priority to a problem, of such still have: The schoolgirl arrived the luxury that what age buys what price with respect to this; The schoolboy arrived what age paragraph should drive what kind of car... will overdraw consumption, excessive spending is depicted " have pursuit " about, so called " delicate " the life turns into the good life in youth brain. If things go on like this, consumptive idea of the youth also is weighed by these sale date model, a lot of 90 hind had gradually consume a desire by what at present income cannot come true, dropped gradually from this " consumerism " trap.
Indebted the 2nd pace: Buy a house
Of course, can let 60% had worked 90 hind have materiality to be in debt, excessive spending is not only factor, the another big reason that lets the debt on youth back is the room is borrowed. Investigation of finance of family of China of university of southwest finance and economics and research center release " special subject of investigation of Chinese family finance " data shows, the Chinese family of 60% is in debt is to buy a house. Want to buy a house, "6 purse " the likelihood is not quite enough with, still need a youth to carry debt of room of high specified number on the back, go up to pass with the people in above paragraphs delicate live and be in debt to be compared, be in debt for the room how many part is helpless. But big much youth must compromise, in home, house to a person or it is a family for very important, going up somehow for, the house is those who marry is firm need; The house matters to choose school problem of the child; The house often offers the safe sense that resides somewhat to people, bind when house and marriage, education, attributive feeling rise surely, price of even if house is again high, a lot of people also must rush about for its busy, more look anteroom price house does not fall high what is more,the rather that, want in a way to go up only, people wage income of a few years is offsetted, because this even if is current house price is again high, people also should be in debt buy a house, is not to wait a moment.
Reduce indebted pressure to always have idea:
Instantly, 90 hind became social mainstream to consume one of groups gradually, and their income is less than the life each defray, indebted unavoidable, if we want to ease our indebted pressure, might as well try the following two methods:
1, defer consumption: Want to buy some goods when us, and we should not use this commodity immediately, can not want to buy temporarily, invest the Qian Jin that buys this one goods all right, the profit that gets with investment goes buying, come so the fund that we can obtain the article of need to be able to let our again already gets reasonable configuration.
2, compulsive deposit: After every month gets pay, salary 30% put rise, the rest part can use as the consumption such as chummage, necessaries of life, and be carried out strictly cannot overspend, reasonable control each defray, develop oneself good consumption habit. This is having crucial sense to the first pail of gold.
These methods can help people reduce one share indebted pressure, but the state of mind that people also needs him change, will let oneself go up too to be being consumed through overdrawing for the person of delicate life, they need to realize in majority the circumstance falls, it is people knows what he wants after all, when and why is clear need planted the economic capacity of degree struggles for it, delicate life just is met subsequently and come, when what the goods that people tries to use high spending administrative levels will reveal his is delicate, a reluctance often is shown fully in attitude; For the youth that bears liability to be forced, indebted buying a house is to acquire a stable feeling, attributive move, approach the life seriously when people, most moment also can harvest the redound of the life.
Altogether, more important than be in debt is, we should know we are in debt for what, be in debt is a process, should not be a result, when people is clear that what he needs truly, often can get countervail place to wish, is not to be heavily in debt.
It is impoverished that the word says to a few friends are returned now, those who be heavily in debt?
Did not say, small make up still should spend rapidly went!
Finally, did not forget to give small make up a comment to nod assist + attention is breathed out
