Just after the Double Twelve, there was another strong wind of "crying poor" in the circle of friends.

I once read a news that a mother in Yiwu, Zhejiang posted that she gave her daughter a monthly living allowance of 1200 yuan, and her daughter questioned whether it was her own.

The above picture is a widely circulated table of college students' monthly consumption expenditure, which adds up to 1.562 yuan, far exceeding 1.200 yuan, and even 1.500 yuan is still in the stage of making ends meet.

Is the living expenses during the university 1500 yuan enough?

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At the bottom of the news, there was a thread: at first, my mother only gave me 1500, and I took 2000 from my mother, but I still felt it was not enough.

A word "noisy" is chilling. Whether it's 1200 yuan or 1500 yuan, it's understandable to spend 3,000 or 5,000 yuan a month as long as your family conditions can bear it.

However, as a college student and an adult, it is not worth showing off how smart you are with your parents' hard money.

Desire is hard to satisfy, no matter how much money you have to live on every month, you will feel that it is not enough. Learning to distinguish between necessary consumption and unnecessary consumption is the first lesson in our college life.

And what is necessary consumption? Simply put, those expenses that can make people survive first, such as meals and daily necessities, including fixed-line telephones and internet access, all belong to this category.

When you can't even eat, social activities and travel projects will automatically be sidelined, and if you want to live a more comfortable life, you can use your ability to work and take a part-time job, which is far more glorious than gnawing at bones.

One of my classmates likes traveling. Every summer vacation, he will spend half his time working, then go out for a week or two, and even sign up for a volunteer trip.

Although tired, as he said, such money is spent realistically and happily.

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Some people love spending money, while others are keen on saving money. This kind of discussion is not uncommon in Zhihu.

I remember a girl's answer. She said that she only spends 500 yuan a month, and she can't spend anything but three meals. Do not attend class reunion, basically do not buy clothes, do not buy any cosmetics, in short, as long as you are hungry, other consumption can be saved.

I admire that girl's super way of saving money, but I also clearly understand that I can't do it.

Being able to spend money and dare to spend money is also an ability. When you only have 600 yuan of living expenses every month, I will admire you for spending 500 yuan, but when you have 1500 yuan of income every month, it is only 500 yuan of expenditure, and you will feel that you are wasting resources.

At the same time, I also want to tell my parents that if family conditions permit, I can give my children more money. Many times, seemingly "wasted" expenses are actually very beneficial.

For example, I may spend about 100 yuan every month to buy my favorite books, or go to a paid offline exchange activity to meet some new friends, which is also the reason why I started my writing career by mistake.

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As a student, whether your living expenses are 1500 yuan or 1200 yuan, you will be in an embarrassing situation of "not enough".

But the really powerful person is that he can save a sum of money and know what he wants, no matter what state.

I also signed up for some financial management courses online, and I feel that the most practical one is not those awkward theories, but a formula.

Usually we think that savings = income-expenditure.

But in fact, the correct concept should be expenditure = income-time deposit.

Now that I think about it, I especially thank my parents for their education. Since primary school, my mother has given me a certain amount of pocket money every day. There is a requirement: I can spend it, but I can't spend it all every day.

In this way, until now, I have habitually saved some money first, which also made me not be in a dilemma when I filled my teeth last time and then reached out to my parents for money.

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Finally, when it comes to living expenses, one thing has to be said, and that is flowers.

Different from previous college students, our generation of college students should be the first users to use flower buds, and many students around us will buy them at buy buy when their living expenses are not enough.

The author Chen wrote an article entitled "Young People in China Destroyed by Flowers". She said that according to the official report of "Ant Flowers", nearly 40% of the post-90s generation set flowers as the preferred payment method.

They are young and willing to accept new things, but they have a desire to consume with unmatched income. Loan consumption has become their passion, and this kind of advanced consumption will ruin this generation.

I don't think it's that exaggerated.

Income can't keep up with consumption desire and has little to do with age. Perhaps it is only when we are 70 or 80 years old that most people's income does not match their desire for consumption, until we completely underestimate material consumption.

Personally, I prefer Alipay to spend money.

Because friends who often use Alipay will know that flower beds can be used for one month without interest, friends who prefer to study will also find that flower beds often have activities, such as paying offline with flower beds to get a small shovel, which can be used to dig treasures in the game.

This is how my 1 year-old shrimp member was dug up for free. A few yuan of phone coupons and 80 points of red envelopes are also common rewards.

It is also consumption. Wouldn't it be better for me to choose a more favorable payment method?

If my personal example is not convincing enough, I might as well look at other pictures provided in the official report mentioned by the author.

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Such data is enough to show that the post-90s financial management concept is not so bad, and they still know the meaning of living within their means and spending moderately.

Just because a girl who loves beauty gives up a big meal to buy a lipstick doesn't mean she is defeated; Just because a classmate who likes cosplay has crowded the subway for a month to buy a fashion doesn't mean he is wasting money.

When you are young, you can have a little desire and a little dream, and you are willing to pay money and time for what you like. In fact, this is something to celebrate.

As long as these expenses are within our tolerance, there is nothing to criticize, just don't forget that we have to earn this money ourselves.

No matter how much your monthly living expenses are, no matter which payment method you choose, you should live within your means. The red line of moderate consumption should not be crossed, and the formula of expenditure = income-time deposit should be remembered.

What do you think of Bai Hua?

I use time to make wine.

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