In the new era, it is normal for young people to spend money in advance. For example, buying a house, a car or a credit card with a loan is not a good or bad idea.If you can borrow money to buy a house or a car within your ability, it is no problem. But what you are most afraid of is living on 30,000 or 40,000 yuan with a salary, and then waiting for the monthly repayment, you will start a vicious circle of “robbing Peter to pay Paul” and overdraw your credit excessively.
Here are some examples from the Internet:
After 90 female nurse Li Mei deep net loan, monthly income but 8000 yuan, monthly spending is as high as thirty or forty thousand, mother also for her after 237,000, she also secretly borrowed, add up to borrow forty thousand.The mother could not bear to tell the truth that she was adopted;
A college student who just graduated, just got the first internship salary, 2600 yuan, bought a 15999 yuan apple computer by stages on the night, she is very clear: 1300 yuan every month, still left 1300, a month squeeze squeeze life can also lead.Who knows, the yearning for the quality of life out of control, want to live a good point, use a good point, wear a good point, no way, had to bite the braces flower bai bai borrow bai, credit card burst one after another;
It is heart-wrenching to see how young these people are and how much debt they have.What’s more, in recent years, due to heavy debts, the news of crime and suicide is common. Many young people and even college students choose to commit suicide due to the rolling profits of online loans, which can not be bothered.
According to consumption survey data, the post-1990 generation takes up as much as 49.31% in the borrowing market, ranking first among their peers in Asia. Among them, 28.57% use consumer loans to repay other loans.
These “enthusiastic” people have been completely brainwashed by commercial advertisements.For example in recent years, the most typical of a few words: “can’t afford to buy hermes is not worthy of love”, “senior girls know how to live their money” and so on, so many young people like to put painted the equality on the level of consumption and happiness in life, to satisfy the desire to overdraw consumption, finally hurt yourself, pit for family and friends.
Now in the Internet era, it is more and more convenient to borrow money, and there are more and more people who consume in advance. Of course, it is OK to consume in advance appropriately.I hope more young people can control their desire, reasonable consumption, do not overdraw too much, destroy themselves.
Of course, those lending platforms should also be strictly regulated, and they should not promote premature consumption in order to make money, overdraft the future of the young people and mislead the country and the people.