"I invite you to dinner" is a phrase that often appears in interpersonal communication between classmates, or that the food in the canteen is not to the taste. Some people go to the restaurant regularly, so some people are poor. True feelings can't be eaten as food. Since you have chosen a place, you should adapt to its local customs, including food.
2. Shopping spree.
Shoppers, who mainly appear on some girls, are very beautiful when they go shopping. They buy back a lot of useful and useless things again and again, and most of them are used to press the bottom of the box.
3. Credit card-out of sight, out of sight, no bottom line.
On the one hand, it brings us convenience, on the other hand, it also leads us to blindly consume. When you swipe your card, you don't know how much money you have left until you click the balance query button in front of the ATM. It's still a nightmare!
4. fall in love.
Don't fall in love without money? This is the feeling that some middle school students who are madly in love give us: a bunch of roses of several hundred yuan as a birthday present should be weighty to express their love for each other ... In fact, simple romance can also touch people's hearts. People who really love you should not want you to spend so much unnecessary money, and would rather be wronged and save money.
5. pursue famous brands.
High-end consumer goods, meaningless vanity and comparison are at work. Some clothes require famous brands, but it is not necessary. Students still spend their parents' hard-earned money. As long as things can meet the needs, they should not be wasted.
6. Follow the trend to study abroad.
This is mostly handled by parents and students have their own grievances. Work, earn money, and control your property freely. However, due to the pressure of work, communication between colleagues and customers at work, some people will choose to go shopping to release the pressure.
In the recently released film Shopaholic, played by Cecilia Cheung, the heroine indulged in shopping and maxed out more than 20 credit cards, which made her life and financial situation a mess.
In fact, according to the report of Urban Express, this kind of "shopaholic" exists in Hangzhou, not only for women but also for men. Psychologists believe that "shopaholics" originate from stress.
Hangzhou shopaholic case
In the case treated by Dr. Chen Shulin, director of the Medical Psychology Department of the Seventh People's Hospital of Hangzhou, almost no one came to see a psychologist because of out-of-control shopping in recent years. In the past two or three years, such cases have been on the rise year by year.
There is such a typical "shopaholic" case: a woman's career is frustrated and her husband and wife have communication problems. In this case, the only way for her to relax is shopping. She lingers in Hangzhou Tower and Lane Crawford two or three times a week, and spends thousands of dollars just staring at the new models of some brands. because
She bought a lot of things that may not be suitable for her because she usually goes shopping without company. Her own income is limited, and her husband is not rich, so that the couple quarrel about this problem all day. Even so, she couldn't restrain her shopping desire and finally had to turn to a psychologist. However, if a shopaholic is replaced by a man, his performance will be different. According to Dr. Chen Shulin, there are also people who come to see him for treatment because of shopping spree. A person has made great achievements in his career in recent years, and suddenly he feels hopeless. He began to buy all kinds of digital products, such as mobile phones, MP3 players and so on. I wanted to buy it when I saw the new model. I changed my mobile phone for a month or two, and the last one was out of control.
Quasi-shopaholic group
"Several popular women's wear counters will have several old customers every week or even every two or three days," said the staff of Hangzhou Building.
Cecilia Cheung's "shopaholic" will definitely buy a new LV bag every time he goes public, even though the price is as high as 10,000 yuan, and he likes to buy several. Even in a short time waiting for a psychiatrist, she will rush to the store to buy clothes above 10. According to the staff of some counters in Hangzhou Tower, it is normal for the store to spend five or six thousand yuan at a time, and many people brush off ten thousand yuan at a time. However, they found that some people buy seven or eight dresses at a time, a suit and 10 jewelry, several drawers of watches of the same brand, or buy watches that don't try new styles ... Salespeople have seen these various "shopaholics", and they are as exaggerated as the plot of a movie. Although it is difficult to judge their actual economic situation, it is obvious that their consumption behavior has exceeded the actual needs. "Some customers have already picked out clothes of various sizes, so she must buy one first. When the right size arrived, even if she called, she just forgot to bring it back for exchange, "said a staff member at the women's counter."
Shoppers come from pressure.
If you shop 2-3 times a week frequently, and shopping is not out of actual needs, it is difficult to restrain your shopping impulse, then you are a shopaholic beyond the rational scope. "In real life, shopping has become the only way to escape and vent because of too much pressure or feeling empty and lost." Dr. Chen Shulin explained the psychology of "shopaholic" in this way, constantly comparing in the process of shopping, and receiving very polite service from the clerk ... all these made the shopping look very pleasant, and the whole shopping process became a wonderful experience of getting rid of reality.
According to psychologists, in Shanghai, Beijing, Shenzhen and other cities, although the pressure of life is greater, the surrounding environment is generally similar, and it is easy for people to continue their usual pressure. Hangzhou is a city with a stronger leisure and holiday atmosphere. When people are under great pressure at work, they will want to release it as soon as possible. For example, many of your friends go to visit Mei in Lingfeng on weekends and have tea in meijiawu, and you are still working overtime. Three o'clock in the afternoon is the busiest time for work, but if you think that there are so many people drinking tea and sunbathing by the West Lake at this time, the work at hand will become unbearable. At this time, you will wish you didn't have such pressure. Some people will choose shopping as a way to relax themselves.
Under the commercial social atmosphere of encouraging consumption, "shopaholic" has become an urban disease. What shopaholics lack is a better way to relieve stress. Psychologists say that proper shopping can really relieve nervous stress. Most people who are out of normal shopping psychology can make psychological adjustment first, by reading books and listening to music. If it's serious, you need psychotherapy, even medication. Myth 1: Centralized consumption of durable goods
"Centralized consumption" means that the consumption time is too concentrated and the consumption varieties are too concentrated. In recent years, some high-end durable consumer goods have become new consumption hotspots in rural areas, such as color TVs, refrigerators and telephones. The demand for these high-end durable consumer goods is too concentrated, which will have two consequences; First, the large family investment leads to unreasonable consumption structure of residents; Second, it causes huge investment demand in society, and the investment scope is limited to a few products, resulting in unbalanced industrial development. Once the consumption wave has passed, it will cause the industry to shrink too fast, resulting in a huge waste of enterprise production and social resources.
Myth 2: excessive pursuit of "one step in place"
At present, there is a popular slogan in society, which is called "consumption in one step". In fact, the concept of "one-stop" consumption is incorrect. In today's society, science and technology are advancing by leaps and bounds, and products are updated quickly. You have achieved "one step in place" today, and you may soon fall behind; Many families buy "one-stop" consumer goods, which are idle and can't be fully utilized, resulting in unnecessary waste.
Myth 3: The proportion of people's consumption is too large.
Excessive human consumption expenditure not only misleads interpersonal relationships and corrupts social atmosphere, but more importantly, it brings a heavy burden to the lives of residents, especially to the lives of peasant families with generally low consumption levels.
Myth 4: Pay more attention to material input than ideological and moral education in children's consumption.
According to statistics, some families spare no effort to invest in their children's food, clothing, housing and transportation, but they do not pay enough attention to their moral education, which is not conducive to their healthy growth. It is wise to pay attention to moral education, intellectual education, physical education and aesthetic education when dealing with children's consumption. 1. The blind consumption of the rich
Because of the demolition, I got huge compensation, became rich overnight, and was extravagant;
Winning the lottery, getting rich overnight, and spending blindly and madly;
Rich second generation shows off, keeps up with the joneses, drives expensive luxury cars and wears international famous brands;
Get married and have a feast.
Recently, the most popular wedding is 20 12, 18 March 8. Xing Libin, the richest man in Liulin, Sanya and chairman of Liansheng Group, spent 70 million yuan to hold a grand wedding for his daughter at the Ritz-Carlton Hotel, Sanya, and invited many stars to perform.
3. Blind consumption around children
There is a "high moon" in the Year of the Loong. In Beijing and Shanghai, their commission has exceeded 6.5438+0.5 million yuan. The media may call on the government to strengthen supervision, or discuss whether the high price of Yue Yue is "value for money", but they all ignore an interesting phenomenon: Why can Yue Yue earn more than his doctor of medicine for domestic work that is not even a separate occupation?
According to this news, People's Daily conducted an investigation. "The highest monthly salary in Beijing, Shanghai and other places exceeds 1.5 million yuan. What do you think? " .
Up to 23: 00 on 10, there were 46 16 participants, among them,
33. 1% netizens (1526 votes) said "support, I don't care if I can afford this price";
23. 1% netizens (1066 votes) expressed "opposition, selling concepts and speculating on prices";
42.7% of netizens (1969 votes) said that "consumption should not be blind, and the lunar new year industry should be reasonably regulated".
In addition, 1.2% of netizens (55 votes) chose "Other, I have something to say".
4. Overdraft consumption in advance
"If you spend first and then repay, you will have more money on hand." Now many citizens have gradually accepted the way of loan consumption. Whether it is mortgage, car loan or credit card overdraft shopping, early consumption has become a current consumption fashion.
However, with the popularity of personal consumption loans, some problems such as blind ahead of consumption or personal credit integrity have been exposed, which have caused certain economic losses to individuals, families, enterprises and banks. On February 20, 65438, it was learned from Wuxi Binhu Court that this year, the court has accepted 22 cases of automobile consumption loans, and the disputes caused by early consumption are on the rise.
In a case of automobile consumption loan recently concluded by the hospital, the executed persons Feng and his wife failed to return the bank loan, resulting in the automobile being auctioned according to law. After trial, in March this year, Mr. and Mrs. Feng bought a Santana 3000 car with a bank loan. After buying a car, the two never paid off the loan once. After the bank applied to the court for compulsory execution, the Feng couple still failed to fulfill their repayment obligations, and the court imposed compulsory seizure and auction on their vehicles according to law. In the end, the car originally purchased for 654.38+10,000 yuan was auctioned for 82,000 yuan, and Mr. and Mrs. Feng also had to pay the overdue interest of the bank, as well as several thousand yuan of court execution and lawyer's fees caused by the delayed repayment. According to the person subjected to execution, due to the busy work at ordinary times, the funds temporarily turned over and forgot to repay.
It is understood that if the user fails to repay the loan for three consecutive months or six cumulative months, the bank may apply to the court for enforcement according to law. After most car loan disputes are accepted by the court, the person subjected to execution can fulfill the repayment obligation, but it will increase the economic losses caused by overdue repayment, which is not worth the candle. "Consumption in advance should be done according to your ability." A person from the executive board of the court said, "Loan consumption is not suitable for individuals or families with unstable income. Some people just enjoy it and refuse to pay back the money. After their spending power was overdrawn, they still went their own way. Lack of credit often leads to disputes. " Among the 22 car loan cases accepted this year, except for a small number of people who really forgot because of special circumstances, some people have not yet reached their financial ability. After spending in advance, it will "tear down the east and make up the west" to repay the loan, and the consumption motivation is biased. Some people even forge unit certificates or apply for loans in the name of others, which also brings certain difficulties to court review.
The concept of early consumption has spawned a number of "car slaves", "house slaves" and "card slaves". While enjoying the material in advance, these people are also under great pressure to repay the loan. Relevant people pointed out that many businesses are driven by interests and encourage consumers to do today's things with "tomorrow's money". Some people blindly follow the trend even if their repayment ability is very small, but they are tempted by "enjoying in advance". However, the threshold of car loan is too low, and it is difficult to establish a personal credit system. It is difficult for merchants and banks to estimate the risk coefficient of consumer credit, which also restricts the healthy development of consumer credit. Experts suggest that citizens should rationally consume, control the consumption level in advance, and avoid personal integrity being tarnished.