My Consumption Concept Essay Part 1
On Friday afternoon, we came to the multi-functional hall of the New International Department. I listened to a lecture by Aunt Gan, the mother of Tan Yanchi, a classmate in Class 3 and 4, titled "Children's Financial Outlook on Consumption and Money." The aunt asked us three questions. What is financial intelligence? Is it a factory that specializes in making money? Is it a businessman who specializes in saving money? Let's ask the aunt to see what she says. The aunt said with a smile: "Let me tell you! Financial intelligence is a person's ability to make and spend money." Oh, I understand.
Do you know what transitional consumption, impulse consumption, and imitation consumption are? Let me tell you! Transitional consumption is when a person buys a lot of things and uses up his or her own money, which is transitional consumption. Impulsive consumption is when a person sees a good thing and has to buy it. It is called impulse consumption. Imitation consumption is when a person sees others having something that he or she does not have. If one does not want others to laugh at him, it is called imitation consumption. Wise consumption means thinking clearly before buying something. It is called sensible consumption.
Money can be spent, but not too much. If you spend too much, you will become a beggar if you have no money, and you will no longer be able to live.
The aunt also asked us a few questions: 1. What should we do if we have no money? Some people say we need money! Some people say we need family members to get money, and some people say we use labor in exchange for money... No We cannot live or eat without money. We cannot learn knowledge. With money, we can live a happy life, buy cars and houses, and buy good products and good things. You can also learn knowledge and honor your parents in the future, but if you have money, you will run out of money if you cannot spend it in large quantities.
Where does your pocket money come from? I got it from doing housework and massaging my second aunt, and I got it from putting the New Year’s money in a piggy bank.
Where does parents’ money come from? It is earned through their hard work. Earning money is for us to live a happy life. Can you get a job if you want it? No, jobs are hard to find. To get a job, you need talents, eloquence, technology, and interviews. After the interview, you will officially go to work. If you fail the interview and fail to meet the requirements, you will face being eliminated. It's not as simple as we think.
We need to save money dollar by dollar and start planning our expenses from one penny. Money can only be created with hands, we must cherish it. Labor requires sweat, and we must be worthy of our parents who have worked hard to raise us. Taking Aunt Gan’s class has benefited me a lot in my understanding of money. I thank her from the bottom of my heart. My Essay on Consumption, Part 2
From the time they were born, people have started consuming, and consumption is an indispensable part of our daily lives. With the development of the economy, the products on the market are becoming increasingly abundant, people's consumption choices are becoming more and more diversified, and the consumption level is constantly improving. Many businesses often set many traps in order to make more money, so we must be vigilant and guard against being deceived.
Let’s take it as an example of eating in a restaurant. Once, my parents and I went to a restaurant to eat. The bill clearly stated one hundred and thirty-one yuan and five cents, but the waiter said it was one hundred and thirty-two yuan. After turning five cents into one yuan, he will still plausibly say: "This is how we do it here." or "Our boss said so." Some consumers think to themselves: It's just this little money, forget it. But although the 5 cents is small, it is a lot of money in one day.
For another example, some hotels write: Bringing your own drinks is not allowed. This is actually a violation of consumer rights. Everyone thinks that this matter was approved by the relevant units, but is this really the case? Is there such a provision in the law? This raises a big question mark. In fact, you must have discovered that a can of Coke costs 10 yuan in a restaurant, but only 4 yuan in a supermarket. Some businesses also said: "If we let customers bring drinks, we will only sell a la carte dishes, how can we make money."
Being able to consume more safely is the simplest wish in every consumer's heart. My view on consumption is to be a sensible consumer. Live within your means and consume in moderation. Before consumption, we can make a budget first and spend money on key places; avoid irrational consumption. We are students and spend our parents' money. We buy economical and practical goods within the scope of what our families can afford; do not compete with others. People around you make blind comparisons and don’t waste money.
We are students and we spend our parents’ money. We must pay attention to the fact that our consumption expenditure should be consistent with our family’s income. My Essay on Consumption, Part 3
I have always disagreed with the saying that "Buddha relies on gold clothing, and people rely on clothing." He is also famous in his own circle for not being well-dressed. Someone once pointed out to me: The total cost of this outfit will not exceed one hundred yuan. The words were both vivid and apt, and they portrayed me deeply. If clothes are not fashionable, people will look rustic and their appearance is not good. No wonder, as mentioned earlier, as early as ten years ago, I was called a country boy on the bus.
I admit that I am a country person, because after all, I have lived in the country for many years. Today, I still have a lot of affection for the countryside. Although the local pronunciation has changed, some atmosphere of rural life still exists. This is probably one of the reasons why I don’t pay attention to clothing. In addition, I have previously worked in the textile and clothing industry for ten years. Naturally, I have also come into contact with cloth and ready-made clothes... I have seen a lot, but I have taken it lightly. Over time, I became less interested in clothes and wearing them.
Everyone has their own preferences, which will be reflected in personal consumption habits, especially in food, clothing, housing and transportation. The problem is: nowadays, in some consumer places that provide high-end or non-daily necessities, there may still be some people who judge others by their appearance. When I meet someone who looks "disheveled" like me, I will look at you with scrutiny and inquiry. Even something that was originally simple has become complicated. The incident happened in March this year on the fourth floor of a large commercial building.
That day, I bought a wooden bracket for placing decorations, and took the invoice to the cashier to pay. Unexpectedly, it took a lot of trouble when using the CCB credit card. The cashier looked me over, and first asked me to write my signature on the back of the card. After I signed my name, he looked at me critically, and then asked: "Is this card yours...why is it on the card?" The name does not match your signature." I then replied: "Whose card does it belong to? You will know if it can be used after I enter the password." But the cashier still refused to let me use it! What's the problem?
At this time, I took the card over and took a look. Sure enough, there was a slight problem. It turned out that it was a secondary card for family members to use, commonly known as an additional card. So, I made some explanations like this, explaining that I was the holder of the main card, but the result still didn't work. The other party asked me to provide a valid ID and said: You'd better pay in cash! At this moment, I called my family and asked if there was any workaround for this situation. For example, she could authorize it herself or through CCB Telephone Banking. The answer was no. According to the prevailing bank rules, the supplementary card can only be authorized by The cardholder consumes in person.
Knowing that it was my fault and seeing the cashier looking embarrassed, I activated another Agricultural Bank of China card. Soon, the transaction for a mere seventy-five yuan was completed, but the entire payment process lasted a quarter of an hour. Fortunately, this time is not very precious to me, and I have not suffered any substantial losses. But the incident itself led me to make some assumptions and inferences. If I was wearing a suit and tie that day and was well-dressed, would the cashier look at me differently, thus eliminating the need for that careful verification step? If I simply write down the name of the supplementary cardholder that day, will the other party still have to verify his identity?
The value of commodities is mainly generated in circulation, and the value of people is reflected in learning progress and work input. And one's own consumption concept will also be reflected in certain areas of personal life. Perhaps, I am sometimes too slow, sometimes too sensitive, with an imperfect personality, and there are some deviations, so that sometimes I "use the heart of a villain to judge the belly of a gentleman." Therefore, I have to constantly check my thoughts and behavior and gradually integrate into mainstream society. My Consumption Views Essay Part 4
In recent years, the consumption of middle school students has increased dramatically, and each person can easily pay 10 yuan or 20 yuan. When others asked them who their money was and where it came from, they would casually say: "My parents gave it to me." Nowadays, it is very rare for middle school students to make money independently. There are so many only children nowadays, and their parents regard them as the "little emperors" of the family, giving them whatever they want, as long as they are happy.
These middle school students spend their money on dressing up, eating, buying snacks, buying gifts and treating guests, etc. When it's someone else's birthday, good friends have to buy birthday gifts, and the birthday person has to have a birthday party, all of which require a lot of money.
I remember one time, a good friend of mine celebrated her birthday. On the first day of her birthday, some people discussed how to buy it, what gifts to give, and even said that they would jointly hold a birthday party. When others asked me about it, I didn't say a word.
On the second day, some students in the class had bought gifts. Some bought necklaces, some bought jewelry, and some bought wish bottles... These things are not very cheap. But I didn't send it that morning. When others saw that I didn't send it, they all looked at me strangely. I used my pocket money to prepare a book and a notebook. When I saw others giving gifts like jewelry, I didn’t give my own gift.
School was finally over. I walked on the road and thought for a long time. Although what I wanted to give was not the beautiful things, my things were very practical and would be of great help to him. So I planned to give it to her in the afternoon. I packed the books and notebooks in beautiful bags and prepared them for her when she came.
When she came, I gave her my gift confidently, but I was still a little nervous, for fear that she wouldn’t want it. Unexpectedly, she said, "How did you know I was missing a book? Thank you, I like it very much." When I heard it, I was very happy, and our relationship will be even better in the future.
It’s not that you’re not allowed to buy things, but you have to be selective, buy things that are useful to you, and have a reasonable consumption concept.