With the development of society, great changes have taken place in payment methods. From the settlement of money and goods in the past, to regular payment, and then to early consumption, it reflects the increasingly open consumption concept of Chinese people. Especially in JD.COM, college students are used to paying with flowers and white stripes, which can increase the amount of flowers, spend in advance and buy some goods they want without borrowing money from others. After all, it is difficult to borrow money from others at first, and there may be interest in the second place. However, as long as the flowers are repaid on time, there will be no interest, which is equivalent to using money in advance for free.
Whether we can control our impulsive consumption and make reasonable consumption is an important judgment of college students' consumption view in advance. It varies from person to person. Many college students only think of flower beds when they have no living expenses at the end of the month, and use flower beds to solve their urgent needs without borrowing money from their parents. Pay back the living expenses next month, and then save a little to balance the expenses. Another part of college students spend money in excess. They can buy whatever they want today. When they saw the garden bill, they couldn't believe it or even dare to take it out. Is Bai Hua's bookkeeping confusing? This idea.
Of course, as a database system, there is definitely no random bookkeeping, but college students spend money indiscriminately, which is beyond their ability unconsciously, and it is too late to find out. I can't afford to borrow money from friends around me, and I'm embarrassed to tell my parents.
They can't look at the online lending platforms that are called low-interest loans, but when they have ideas, they have already entered the tiger's mouth. The low interest rate is just a trap, and it will be profitable then. It's only a few months from 1000 to 65438+ million. Many college students can't stand the debt collection of online lending platforms, so the concept of early consumption, whether good or bad, is good for temperate college students, and vice versa.