There is no distinction between praise and criticism in this word. Whether moonlight clan is good or bad, we can't say. They are knowledgeable, smart, can spend money and earn money. They earned all the money they spent, not stealing money or robbing money. They take it for granted. They broke China's traditional thought that "saving money is better than earning money" and put forward a new motto "Only spending money can enjoy life". ?
Moonlight clan is actually a major driving force for social and economic progress. We know that only consumption increases domestic demand is the economic growth of our country, so the moonlight family also accounts for a certain amount of domestic demand in our country and contributes to the growth of our country's GDP. ?
How to abandon the problem of moonlight clan and keep yourself away from its reputation? You must know in advance whether you belong to the moonlight clan. We often hear many young people complain that it is difficult to make money in their present jobs, and we always try to save money in our daily lives. However, some behaviors cost us a lot of money unconsciously. These behaviors slowly push young people to the edge of the moonlight clan.
1, daily necessities
The fast-paced work and life in 2 1 century has made many people have more and more daily necessities at home. Seeing all kinds of promotions made by merchants, I always can't control my desire and unconsciously take out my wallet. These unconsciously increased supplies count as a big expense. There are always many women who feel that there is always a piece of clothing missing from their wardrobe, but when they really buy it home, how many pieces of clothing are often worn?
2. The price has risen quietly.
There are many advertisements now, which seem cheap, but when you really want to spend, you will find that the price will be higher, and you don't want to give up buying this commodity or service because of these.
3. Membership that has never been used
Look at your wallet. Besides bank cards and credit cards, there will always be a bunch of various membership cards. How many times have you used these membership cards? In other words, those membership cards will inadvertently deduct a lot of fees every month.
Step 4 subscribe
We don't buy physical magazines because they are expensive. However, when we order online magazines, there are also some consumption traps. When subscribing to some online magazines, the website will be updated after subscription. Sometimes I will re-subscribe for network reasons, which is another expense.
5. "Monthly subscription" trap
"Monthly subscription" exists in all aspects of life, such as mobile phone monthly subscription package and parking monthly subscription. Various monthly subscriptions seem to give many discounts, but sometimes some monthly subscriptions are not as perfect as we think. Therefore, before spending boldly, we must first make clear the contents of this monthly subscription project, otherwise it will be very sad to get the bill.
6. Shopping illusion
Many people have the illusion of shopping. When we shop, all kinds of discounts and promotions are the best examples. Consumers often just pay attention to the so-called discounts and specials, and don't pay attention to the real price.
7. "Value for money"
"This money is well spent. For $50, you can use all the equipment in the fitness center all year round. " Sometimes you may be moved by such slogans. After some consideration, you finally decide to spend this $50, but you have to come several times a year. It must be remembered that only what is useful is useful, and then whether its price really exceeds its value.
How to get rid of the moonlight clan;
1, planned economy
The monthly salary should be well planned, and 1/3 or 1/4 of the salary should be fixed into the personal savings plan every month, and it is best to apply for lump-sum deposit and withdrawal. Although savings account for a small part of wages, in the long run, there will be a lot of money in a year. In addition, you can make a "personal financial statement" for yourself every month. Large expenditure depends on whether the overspending part is reasonable. If it is unreasonable, it can be adjusted in the next month's expenditure.
Step 2 try to invest
At the same time of consumption, we should also form a good sense of investment, because investment is the best way to increase value. It is advisable to formulate corresponding investment plans according to personal characteristics and specific circumstances, so that the "diversion" of funds will help to restrain extravagant consumption habits. Of course, it should be reminded that it is advisable to make a small investment when you have no experience at first, so as to reduce the investment risk.
Step 3 choose friends and make friends
Social circles greatly affect your consumption. Make more friends who don't spend money indiscriminately and have good consumption habits. Don't just make friends who spend money indiscriminately and face the pursuit of famous brands. Blind comparison regardless of one's actual consumption capacity will only lead to a "fiscal deficit", and reasonable consumption should be made according to one's own income and actual needs.
When interacting with friends, don't blindly establish a "generous" image among friends for the sake of face. For example, competing for dinner and entertainment will often embarrass you.
4. Self-restraint
Most young people like shopping, and it is often difficult to control their consumption desire when shopping. So, before you go shopping, you should first think about what to buy this time and the approximate cost. Don't bring more cash and don't use your card at will. Be careful not to blindly shop and buy things that are not practical or temporarily useless, resulting in idleness.
"Moonlight" is the favorite consumer group of merchants, because they have a strong desire to spend money; More importantly, they have strong earning power and money to spend. "Rich, rich but thirty days; Poor, poor for less than a month "is their most vivid portrayal. Fashion pursuit is the direct reason for the longevity of moonlight clan.
5. Improve the art of shopping
Learn to bargain when shopping, shop around and try to buy what you need at the lowest price. This is not "stingy", but a mature consumption experience. It is a good shopping opportunity for merchants to have discounts in different seasons, but it should be noted that you should buy some clothes that are generous and easy to match, and don't cheat.
6. Less participation in lottery activities
Promotions with prizes, lottery, lottery and other activities are easy to stimulate people's luck, which makes people have a "gambling" mentality and it is difficult to control their desire to spend money.
7. Practical love
In adolescence, love is a big expense. Men and women in love always want to use flowers, gifts or go to hotels, cafes and other places to further stabilize their feelings. Even if they are shy, they will not hesitate to "slap their faces and be fat". But don't think that the more money you spend, the more you can represent your feelings for your lover. Building a relationship on the basis of money will make you financially nervous in the long run, and at the same time, it will also make the other party feel invisible pressure and affect the judgment of love.
In addition, your extravagance and waste will sometimes have negative effects, such as giving the other party and their parents an impression that they are not practical and will not live. Gifts for lovers should not be expensive and flashy, but should consider each other's preferences, needs and their own financial ability.
8, not fun.
Most young friends like playing and socializing. Proper play and socializing are necessary, but they must be moderate. Don't waste time on mahjong tables, cinemas and dance halls after work. Playing is not only frustrating, but also easy to consume money. We should cultivate and explore our strengths and interests, work hard to start a business, and accumulate more earning power and capital while spending.
Psychoanalysis of moonlight clan? ：
1, lack of life training, I don't know how difficult it is to make money. ?
2. Lack of financial exercise will not manage expenses. ?
3, lack of communication practice, so that money can fill the emotional gap, many of them are hermits. ?
4, revenge, because when I was a child, my parents were too strict with pocket money, and once they had money, they tried to use it. ?
5. The only condition for joining the moonlight clan: the salary is moonlight, and there is nothing left, only debt and no surplus. ?
6. Moonlight slogan: Spend as much as you earn. ?