Moonlight is also a disease. Say no to losers.
A part-time job refers to a person who spends all his money every month. The so-called washing and eating is health. Generally speaking, the Vietnamese are the younger generation. Their views on thrift are different from those of their parents. They like chasing new trends, dressing up and buying beautiful shirts, as long as they eat happily and dress beautifully. Buy whatever you want, and don't care about money at all. "Moonlight" people have knowledge, brains and ability. Spending money not only expresses their crazy love for material life, but also serves as their motivation to make money.
"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 a month "is their most vivid portrayal.
What is the reason for the formation of the Moon Clan?
1. I don't know how hard it is to make money without life training.
2. Lack of financial training, will not manage expenses.
3. Lack of communication practice to make money to fill the emotional gap, many of them are hermits.
4. Revenge psychology, because when I was a child, my parents were too strict about pocket money, and once they had money, they earned all of it.
5. The only condition for joining the moonlight clan: no money left, only debt, no surplus.
6. Moonlight slogan: Spend as much as you earn.
Consumer psychology has two basic characteristics:
First, in the mental account system, the same 1 yuan is not equivalent in two accounts. For example, Betty Wong's salary went up by 500 yuan, and Xiao Li's salary didn't change, but the boss accidentally gave 500 yuan a red envelope. As a result, Xiao Li was very happy to take the money and invited a friend to a restaurant for a meal, but Lao Wang felt that this 500 yuan was earned by himself, so he would rather save it than spend it casually. It can be seen that the same money from 500 yuan, because the source is wages and red envelopes, is divided into different psychological accounts, and its psychological value is completely different.
Second, the accounting rules of mental arithmetic are not as rational as economics and mathematics, but very emotional. Gains and losses are relative feelings, not absolute concepts, and psychological experiences are different. For example, in a nearby place, a kilo of cherries costs 10 yuan, and it takes only one kilometer to get to 5 yuan. Many people will go far away to buy cheaper ones. However, if a suit costs 1000 yuan in a nearby shopping mall and 995 yuan in a distant shopping mall, it will not make most people go far away to save the same 5 yuan money.
So people's consumption behavior is not very rational. As for the "moonlight clan", because of the concept of "not much money can be saved anyway", they usually unconsciously put a lot of unnecessary consumption and necessary living consumption into a psychological account, so they think that all the money they should spend should be spent.
Buying brand-name clothes every month makes you feel as natural as buying rice, oil and salt, but you don't realize that by controlling unnecessary expenses, every little makes a mickle, you can form certain assets to support your family, cope with emergencies or invest.
Want to leave the moonlight? Then watch!
If you want to bid farewell to the life of the "moonlight clan", you must consciously distinguish between necessities and luxury goods, and establish psychological accounts of necessities consumption and luxury goods consumption respectively. Spending money casually will make your assets lose continuously, and reasonable and moderate will make your pocket more and more bulging.
Buy a savings insurance.
Because white-collar workers are young, it is very harmful to spend more than 200 yuan a month to provide themselves with a dividend-paying savings critical illness insurance.
Keep a running account
Determine your monthly cash flow. After all, people's desires are endless. If they can't know what is necessary and what is not, where does the necessary spare money come from?
Out of one's own pocket
My request to myself is that if someone gives me a five-dollar bill when shopping or spending, I will assume that the money does not exist, take it out and put it in another pocket, and put it in a box when I go home. When you reach 100 yuan, take it to the bank at your convenience.
Cook more at home and don't always eat out.
If you can swipe your card, you must swipe it, and you won't buy anything unexpected. You just buy what you need, never mention cash, and you have to pay in full instead of minimum payment.
Choose friends and make friends.
Your social circle has a great influence on 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 saving face. For example, competing to pay for meals and entertainment activities often makes you embarrassed. The best way is to take turns to sit in the village, or implement the "AA" system.
study on one's own
Most young people like shopping, and it is often difficult to control their consumption desire when shopping. Therefore, before you go shopping, you should first think about what to buy and the approximate cost. Don't bring more cash, and don't use your card at will. Be careful not to shop blindly, buy things that are not practical or temporarily useless, resulting in idleness.
Improve the art of shopping
Learn to bargain when shopping, shop around and try to get 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 choose some clothes that are generous and easy to match so as not to be idle.
Don't be a newcomer in the moonlight workplace.
Skills, find the right place.
Newcomers in the workplace don't have much money, but they also want to dress up in fashion. Then, first of all, we must find out which places of consumption are the cheapest and at the same time we can buy fashionable goods. The reporter found that there are many inexpensive shops in the clothing wholesale markets such as Baima and Tianma in Guangzhou Railway Station, Binbin Clothing City in Haizhu Square, Neijie Store in Taojin Road and similar clothing cities in other large and medium-sized cities. You must learn to bargain when shopping. Generally, two-thirds of the price is cut first, and then it is slowly ground with the shopkeeper. Don't do that. If you can't cut them, you can go away and look at other stores. Maybe you can get the best price, which is generally more than half cheaper than big department stores.
Second, skills are only sold in the discount season.
It is suggested that newcomers in the workplace, in line with the concept of saving money and protecting the environment, should not buy too many wearable products for themselves, and it is best to find out the real discount season before acting. In particular, the discounts in two seasons each year, around July, August and 65438+February, are the most attractive. Different businesses have different discount measures. For example, if you don't need to buy a lot of things, you can choose direct discount or full discount, while if you need more kinds of shopping, it is more cost-effective to choose full coupons.
Another discount refers to the discount time stipulated by the supermarket. For example, some supermarkets offer discounts of 50% to 20% for many fresh products after 8 pm every day.
Three Skills of Choosing Online Shopping to Save Money
Newcomers in the workplace may need to buy some "possessions", and online shopping is a good choice.
However, many people will worry that online shopping is wrong. The netizen gave a coup-you can try it on at the counter of the shopping mall and write down your favorite brand, article number, size and model. Then find a purchase online, which will not only save at least 30% of the cost, but also ensure the quality of the goods.
In addition, organizing group buying online is also a good way to save money and consumption. Maybe you can make more good friends and learn some tips to save money.
"Moonlight" became "saving money". White-collar workers compare themselves with Grandet.
Clothes: Taobao shop does not do online shopping.
Miss Chen is an employee of a foreign company in Nanjing. Usually dressed in fashion, she will always be the "fashion vane" in the company. "In the past, when I went shopping, I couldn't help buying a lot. Some clothes are thrown out of the closet after being worn once or twice, and the monthly expenditure on them accounts for more than half of my salary. " Miss Chen told reporters that now she usually only buys one or two clothes a month, and she only goes to Golden Eagle all the time. She also began to "buy clothes" in some small clothing stores and big markets like Yuqiao, or chose online shopping. "Now some online stores have many kinds of clothes and they are very cheap. Days are always more important than face, and famous brands don't have to be worn. " Miss Chen told reporters with emotion.
Student: The dining room belongs to the dining room.
"Hey, xiao zhang, you usually eat out. Why did you come to the canteen today? " "For a change, I'm tired of always eating out. You can save a little by coming to the canteen. " Teacher Zhang works in a bank in Nanjing with a good income. But recently, his banking business has been affected by the financial turmoil, and he has been extravagant and has to be careful. "It turned out that lunch was going out to a small restaurant, two dishes, one meat and one vegetable, and then drinking beer or drinks, ten or twenty dollars. Now that business is sluggish, I have to eat in the canteen. "
Teacher Zhang took a bite of the food and continued to tell the reporter, "In fact, the food in the canteen is also good. The same vegetarian food is only five or six yuan, and you must be full. If you count it in one month, you can save at least two or three hundred. " The reporter also learned from a staff member in the canteen that in the past two months, the number of people eating in the canteen has increased significantly.
Good: Ride a bike or carpool.
"Hey, hey, don't stop here. I can't watch it if I stop here. Go ahead and stop. " Aunt Wang shouted at a well-dressed man. Wang Da, a night watchman in the parking lot of a building in Xinjiekou, told reporters, "Alas, there have been more and more young people riding bicycles in recent months, and I am a little at a loss myself." The reporter immediately interviewed Mr. Xiao who works in the building. Mr. Xiao said, "I used to take a taxi when I went out, but as you know, during the financial crisis, the unit transportation fee dropped from 300 yuan to 100 yuan a month. Fortunately, my home is not too far from the unit, and it is convenient to exercise by bike. " Teacher Xiao also told reporters that several colleagues who live far away in the company have become "carpoolers": "They all live in Hexi and drive here every day. Fortunately, one of them had a car and became everyone's driver. Others take turns to help his car refuel. "
Le: Don't go to KTV on weekends.
"I usually go to Mi Le star karaoke, and there are six or seven people in my bag. Go to 82 yuan for one hour at the weekend, buy two hours and get two hours for free. That is *** 164 yuan. But from Monday to Friday, we only need 46 yuan for one hour and 92 yuan for one afternoon. Compared with the weekend, it saved nearly half. " Miss Guo, a white-collar worker of the company, calculated such an account for the reporter. She told reporters that the company has been laying off employees in recent months, and several stocks she bought have also been locked up. The cost of entertainment and leisure is naturally saved. She told reporters frankly: "Now my boyfriend and I basically don't go to the cinema. If there are large movies on the market, we will rent them in the DVD room. Of course, it is best to look online. "
Summary: Moonlight tears properly express their sadness, but as long as you learn to manage your finances, you can stay away from moonlight. Choose an affordable lifestyle and learn what the above small series teaches you.