Economic Wisdom to Apply in Your Twenties

Chapter 31

Chapter 4 Section 3 Farewell to the life of the "Moonlight Clan"

Xiaoliang works in a company in the urban area, with a monthly income of more than 2000 yuan, but has no savings so far.She is in a mess when she calculates her own expenses every month. "I went shopping with my sisters a few times this month and bought some cosmetics. I couldn't think of anything else to buy. Before I knew it, my salary was all spent." However, when receiving a reminder from the bank, sometimes I have to ask my parents for "support".

Some young people who have entered the marriageable age are willing to become "house slaves" in order to get married and buy a house, and some people plan to "buy a car first and then buy a house". Also willingly.

More and more people born in the 80s have become the main target group of credit card sales, and have also spawned more and more paycheck-to-payers.

If you are in your twenties, you must be familiar with the term "moonlight clan".The so-called "moonlight clan" refers to people who use up and spend all their pocket money at the end of the month.The moonlight clan is generally the younger generation. Different from their parents’ conscientious and thrifty consumption concept, the moonlight clan in the new era likes to follow trends, dress up and buy beautiful clothes, just want to eat happily and dress beautifully, and buy whatever they want.

Today, the ranks of the moonlight clan in the city are growing stronger and stronger.This group of young people often have stable jobs with relatively high incomes, but because they have no plans in their lives, consume beyond their means, and live a life of "there is wine today, and the current is drunk, and the monthly income is moonlight", they have to start "moonlight". Princess" or "Moonlight Prince".

In fact, it is not that we do not want to save money.But the money seems to never be enough. I have 3000 yuan in my hand, and I wish I could spend 5000 yuan. If the salary increases by [-], the expenses will increase by [-]. It is simply a bottomless pit.You may also be wondering, why are you always short of money?
Yes, why are you always short of money?Obviously Cary's numbers are always exciting when paying wages, but it didn't take long for the 4 digits to become 0.About 30 days a month is not very long, but how can you always spend the money in the salary card without leaving a penny?
No one wants to stay in the moonlight forever and be a moonlight clan for a lifetime.When I was young, I was able to become a moonlight clan because I felt that the future was still far away from me, and my old age was also far away from me. Young people born in the 80s no longer need to bear too many burdens from the previous generation, and it is no big deal to spend all their money every month.However, unemployment may strike you inadvertently, and illness may also find you. You can't cope with accidents without savings.In the long run, if you don't spend money sparingly, your life will be very unstable.For a happy life in the future, the Moonlight Clan must learn to save themselves.

Experts pointed out that it is not difficult to remove the hat of the moonlight clan by doing the following points reasonably:
1. Planned economy
The monthly salary should be carefully planned, which places need to be spent and which places need to be saved, and 1/3 or 1/4 of the salary should be included in the personal savings plan every month, and it is best to handle zero deposit and lump sum withdrawal.Although savings account for a small part of wages, in the long run, there will be a lot of money in one year.Saving money can not only be used to buy some big-ticket items, but also can be used as personal "recharging" expenses such as study and travel.In addition, you can make a "personal financial statement" for yourself every month. For large expenditures, see if the overspend is reasonable. If it is unreasonable, you can make adjustments in the next month's expenditure.

2. Try investing
While consuming, form a good sense of investment, because investment is the best way to add value.It is advisable to make corresponding investment plans according to personal characteristics and specific conditions, such as stocks, funds, collections, etc.This "diversion" of funds can help you curb your spending habits.Of course, it should be noted that small investments should be made when the initial experience is insufficient to reduce investment risks.

3. Choose friends and make friends
Your social circle greatly affects your consumption.Make more friends who don't spend money randomly and have good spending habits, and don't just make friends who regard consumption as fashion and chasing famous brands as a face.Blind comparisons regardless of one's actual consumption capacity will only lead to a "fiscal deficit". Reasonable consumption should be made according to one's own income and actual needs.

4. Self-restraint
Most young people like to go shopping, and it is difficult to control their consumption desire once shopping.Therefore, before going shopping, you must first think about what you will mainly buy this time and the approximate cost. Don’t bring too much cash, and don’t spend with cards at random. Be aware of it, don’t shop blindly, and don’t buy things that are not practical or that you don’t need temporarily. .
5. Participate less in sweepstakes

Promotions with prizes, lottery tickets, lottery draws and other activities can easily stimulate people's chances of luck and make people have a gambling mentality, making it difficult to control the desire to spend money.

6. Pragmatic Love
Being in love is a big expense.Men and women in love always want to further stabilize their relationship with flowers, gifts, or going to hotels, coffee shops and other places, especially men, even if they are shy, they will not hesitate to "puff their faces to make them fat".But don't think that the more money you spend, the more you can represent your feelings for your lover. If you base your relationship on money, it will make you financially stressed in the long run, and it will also affect your judgment on love.

7. Don't be playful
Most young people in their twenties love to play and socialize.Appropriate play and communication are necessary, but they must be moderate. Don't waste time on mahjong tables, movie theaters, and dance halls after work.You should cultivate and discover your own strengths and interests in many aspects, work hard to start a business, and accumulate more earning ability and capital while consuming.

In fact, a person's financial management method also represents a person's attitude towards life.When you learn to control your income and expenditure reasonably, you will not only be able to have a surplus in money, but more importantly, you will get rid of the economic pressure of "making money every month" and enjoy a more rational and healthy life.

Wisdom Pieces: Are You a "Moonlight Clan"
15 test questions, which race are you?Is it the "Moonlight Clan" who is bright at the beginning of the month and miserable at the end of the month, the "surplus Clan" who has more than a month, or the "Sensible Clan" who insists on buying only the right ones and not expensive ones when shopping rationally, or a friend or salesman who encourages you to buy The "soft-hearted family" who pays for money?
1. If you lived alone, which of the following houses would you live in?
Fully furnished house — → 4　
Newly renovated house—→2
2. You finally have your home, how will you decorate it?　
A bedroom full of trinkets—→5　
Simple and plain layout—→3
3. Pass a store on the street, and see a favorite dress from the window, but the price is very high, what will you do?
For it, I have to buy it even if I tighten my belt—→5　
It is enough to comfort myself just to look at—→6
4. Walking down the street wearing the new clothes you just bought, and suddenly found someone dressed exactly like you, would you?
When you get home, put your clothes away and never wear them—→7　
I don't care, no one knows me anyway—→8
5. Several friends have birthdays this month, what do you do?
Buy them all presents—→4　
Only send a few close friends—→6
6. A new mobile phone has been launched recently, the function and appearance are exactly what you want, but your original mobile phone is not broken, will you?
Must be at the forefront of fashion, buy it—→11　
Buy it in advance—→9
7. How often do you go shopping?
Once a week—→10　
Go shopping when you need it—→11
8. Do you have a plan?
There is, but often it cannot be implemented—→9　
Follow the plan at all times — → 7
9. Do you have the habit of saving money?
Save money only in dreams—→12　
The flower that should be spent, the one that should be saved—→10
10. If you go on a trip, how much money do you plan to bring?
Only carry the money you need with you, and mainly use the card—→13　
Try to bring as much as possible, so that you can play comfortably—→15
11. When you go out to eat together, you always rush to pay the bill?
No, I always let others treat—→13　
Everyone is under the AA system, no one invites anyone—→15
12. What would you do with your dinner if no one was home?　
Soak instant noodles and solve the problem—→D (Yueyu clan)　
Eat fast food out and then go home—→C (sane)
13. Which of the following collection hobbies do you have?
Celebrity posters, CDs, DVDs—→A (Moonlight Clan)　
Clothes, shoes—→14
14. The shopping mall is on sale recently, you just pass by, and the promoter pulls you to sell their new products, will you?　
Too much trouble, quickly leave to get rid of them—→B (soft-hearted family)
It is often said that the heart is moved, and then it is acted immediately—→12
15. When you come back from your travels, do you often return with a full load?
Nothing to buy, left empty-handed — → C (sane)　
It costs money to travel, and since you come out to play, you need to bring some souvenirs back—→14
(End of this chapter)