Widespread presence is worn beside us a such groups, they obviously oneself income level is very high, come in and go out all the day the high spending place such as hall of advanced dining-room, cinema, coffee, of the life do not carry have many moist, but the fare that buys a car to buy a house lets monthly pay even the parents of thousands of is assumed.
Oneself salary is without abstemious flower to be over in one's hand, parents however the profitable assemble money of work laboriously worries about for you, they are " new poor people " .
"New poor people " 3 big characteristics
1, lack rational consumption
Personnel of a flock of tall record of formal schooling, the wage after should entering a society is average very tall, cross the status position that consumes rapid him change with respect to be enlightened.
Like to seek high quality creature comfort, prop up without sufficient consumptive capacity again however, became " new poor people " .
2, without concept of conduct financial transactions
High spending of high pay of this kind of person, had liked to have savoured life, often buy buy, and oversight oneself should conduct financial transactions.
Because idea of conduct financial transactions is dim, attract plus corporeal temptation, very easy and blind consumption, did not give self-ordained a plan of strict conduct financial transactions.
3, without far seeing plan
Conduct financial transactions is manage life actually, if you do not have long-term program and plan to life, so you also are optional to control and be being used of money.
Lack hardship consciousness, a lot of " new poor people " the work is not steady, this year although high pay, perhaps be in next year seek working status, not was anxious for prospective income source.
Small make up believe to very much Laotie has been entered " new poor people " this group was listed, nevertheless everybody also does not worry, change what oneself still come to reach now, below the society 4 old strategies, taking off deficient is a problem no longer!
Take off " poor " 4 old strategies
Consumptive budget is made at the beginning of 1. month and assemble money
It is at the beginning of the month when the article that is about to need oneself to buy gives include a budget in the center, notice the shopping goods of economic actual strength according to oneself certainly.
Still have should remember at least your salary 20% use at assemble money manage money matters, be sure to keep in mind this money to do not have a thing to cannot be moved certainly, this is a safeguard that lives to future, in case you are touched on when urgent matter should spend money, take do not come out money.
Although want managing spend money, but small make up also do not suggest everybody buys too low-priced goods, because cheap article service life is brief it is a kind of waste more.
2.Brush credit card keep expenditures within the limits of income
Although credit card is very convenience, hand is little not a few pieces, but becoming you is " new poor people " when, the credit card with unfavorable too much hold.
This kind of state of affairs is little those who write a proposal is brush card less to buy needless thing as far as possible at ordinary times, go learning how to use credit card to have economy next, use your credit card to acme.
3.Learn skill of conduct financial transactions
Think institutional economy is not difficult, the key is to see you do not learn, institutional economy, the money that principle of lever of have the aid of helps us had managed his special be necessary, be necessary skill.
Learned conduct financial transactions, be about to hold to it to come down, form a habit that you live next. Perhaps first when interest of it doesn't matter of conduct financial transactions, you can discover as time passes, the money that passes gain of conduct financial transactions is more successful feeling.
4. buys a safeguard to future
It is very important to still have a bit, want to buy an insurance to oneself namely, this is in what give future this buys a safeguard, should encounter the thing inside insurance coverage, or you are aged when misfiring, insurance can let you have the life of dignity more.
Laotie people, if you did not take care to enter " new poor people " cavalcade, must begin to change oneself habits and customs and consumptive habit from now, break away from as soon as possible " clammy consumption psychology " , remember every months wanting self-ordained budget of a spending and assemble fund plan.
