Interpretation of Light: Another Interpretation of "Guang Guang Family"

"Moonlight family", as its name implies, refers to those who have empty wallets at the end of each month and spend as much as they earn, preferring debt to no surplus. Once upon a time, "moonlight clan" became synonymous with "material life", and many people advertised themselves as "moonlight clan", which sounded as if full of fashion sense. But now, the "moonlight clan" is a bit out of date. Some busybodies gave up the term "moonlight clan" and replaced it with new words such as "starlight clan", "sunshine clan" and "light clan", which we collectively refer to as "light clan" here.

Xingguangzu

Explanation: I didn't earn much, but spent many generations.

Protagonist: Yi Yi, female, 25 years old, from Beijing, works as a media in an advertising company.

When I was a child, Yiyi was a "school beauty" figure, and she looked good even in ordinary clothes.

Today, Yiyi has entered the workplace for two or three years, and her consumption concept has become a veritable "star family" compared with her student days.

After graduating from college, Yiyi came to the advertising company where she works now. There are many young people in the advertising company. They are all dressed in fashion. One set today, one set tomorrow, dazzling. By contrast, Yi Yi's dress is really dwarfed. In order to keep up with the fashion trends of colleagues in the company, Yiyi began to catch up with fashion information. Fashion, ELLE and VOGUE have become the "fashion textbooks" that Yi Yi studies hard. While absorbing a lot of useful information, she also fell into the root of the brand clothing that loves illness.

Yiyi earns less than 3000 yuan a month. In Beijing, this income is really not much. Fortunately, she lives with her parents, without the burden of a house, and she can eat and drink, saving the basic living expenses. Although she can't afford luxury brands such as Chanel, Prada and Cucci, Yiyi chooses fashion brands as much as possible. When she meets her favorite clothes, bags and shoes, she will "join" without thinking.

In addition to beautiful clothes and shoes, Yiyi is not careless about "face", and a set of skin care products often costs thousands of dollars. In addition, it is beauty. Yiyi needs 1.200 yuan to apply for a beauty card for the first time. When she used it and needed to renew it, she was told that she needed to renew it for at least 3000 yuan before she could continue to use it. She gritted her teeth and continued. Finally, I was fooled by getting rid of acne marks 1000 yuan. In this way, a month's salary can't stand a long toss, and it is often used up before the end of the month. It's really not enough. Parents need support.

Even so, Yiyi regrets to say that the expenses of clothes, bags, shoes and cosmetics rotate every month. For example, if you buy clothes this month, you have to stop buying bags, shoes and cosmetics. Although I know it is wrong to spend money like this, I really can't escape the trap of keeping up with the joneses among my colleagues. At the same time, she also admitted that the instant pleasure of buying these goods also made her want to stop.

I want to say: these young people have not experienced too many setbacks, thinking that they can still find their parents if something goes wrong, so they indulge their bad habit of spending money instead of saving money, but they don't want to grow up to be "neets". This is not a glorious thing.

In addition, some vain young people will fall into the consumption cycle of comparing with each other, which is not encouraged.

Daylight group

Noun explanation: spend too much money and walk too fast.

Representative: Judy, female, 29 years old, from Shenzhen, an account manager of a foreign company.

To outsiders, Judy's life should be described as "chic". With a monthly income of 10,000 yuan, she is still a single woman. Without too much financial burden, life should not be too easy.

If Judy hadn't revealed it herself, no one would have believed that she would be a "sunshine family" with a lot of money.

Exquisite clothes, exquisite makeup, chic jewelry ... this is Judy's first impression. She said that she loves traveling, movies, bars and food, and she always seems to be more interested in famous brands than men, and she is generous to her friends. She is a thoroughly enjoyable school.

Judy is not good at managing money and spends money without restraint. Every time she gets paid, she can spend more than half of it in a week. Most of them are used to buy cosmetics, clothing, beauty, fitness, travel, shopping and other things that cannot appreciate, and most of them are impulsive consumption, which is euphemistically called "enjoying life". Sisters in the company who have almost the same income as Judy take a completely different route. They have the habit of saving money every month. Over time, the amount is considerable.

In fact, Judy herself is very annoyed at being such a big person, but she has no savings. In case of any trouble, she doesn't know what to do. Judy has no real estate except a car. She joked that she was like Kelly in Sex and the City. When she wanted to buy a house, she found that her money had already turned into an expensive pair of shoes.

I want to say: most of these people are enjoying and impulsive consumers. They earn a lot of money and enjoy it, but they lack the correct concept of financial management. Such profligacy is also a sign of lack of responsibility.

Transparent family

Noun explanation: people who spend too much for a rainy day or are insolvent after making money and need other help.

Representative: Feng Xiaoyu, male, 32 years old, Shanghainese, employee of state-owned enterprises.

Zhang Ni, female, 27 years old, Shanghainese, company front desk.

All along, owning a house and a car seems to be a symbol of high-quality life. Nowadays, more and more young people have their own cars and houses, but life is not so ideal.

Feng Xiaoyu and Zhang Ni are typical representatives. In their view, having a car and a house is really tiring. Because the house is mortgaged, at the beginning of each month, I owe money to the bank as soon as I open my eyes. This taste is really unpleasant.

Two or three years ago, houses in Shanghai were being heated up, and the price of commercial housing was also rising, but there was no trace of falling back. Besides, Feng and Zhang are also getting married. After repeated investigation and consideration, they finally bought a commercial house in the suburbs, and spent all their savings on down payment and decoration.

Soon the problem appeared, because it was far from the city and it was inconvenient to go to work. The two of them simply borrowed money from relatives and friends to buy a car. In this way, in addition to the 3,000 yuan mortgage every month, there is at least 500 yuan's car maintenance money, and their wages add up to 7,000 yuan. Plus the basic living expenses of 1 ,000 yuan per person, there is not much left.

In other words, after buying a house and a car, the quality of life of the two people declined rapidly, as if they had suddenly returned to the poor level in the years just after graduating from college, and everything should be carefully calculated. In the past, both of them loved to play, often traveled and paid attention to the quality of life. Now they dare not even think about it. They are afraid to participate in basic social activities, so they alienate many friends.

Feng Xiaoyu and Zhang Ni should have a baby at this age, and Feng Xiaoyu's mother has urged them countless times, but both of them said that they can't afford to have a baby now, even if they don't even think about it.

I want to say: from buying clothes and skin care products to buying houses and cars and speculating in hot stocks, we should do what we can, and don't add unnecessary burdens to ourselves.

If it's because buying these things that are not necessities of life reduces your quality of life and deprives you of the happiness of life, it's really not worth the candle.

Tip: Get rid of "light family"

The high cost of living, advanced consumption concept and lack of financial management experience are the fundamental reasons why "light families" can't make ends meet. As the saying goes, "People are heroes, money is courage" and "People don't manage money, and money ignores you". Whether it is the "moonlight clan" in the past or the "starlight clan", "sunshine clan" and "light clan" today, living within our means is the best policy.

-according to the actual situation, you can deposit 10%~30% of your monthly income in the bank at one time, strictly limit yourself to spend the rest of the money and put an end to overspending. If the constraint is not good, please disable the credit card.

-In order to better prevent overspending every month, housing, transportation, communication, food, etc. must be budgeted in advance, and every monthly consumption expenditure has a fixed quota limit, which must be strictly implemented.

Set aside a little time every day and record your monthly income and expenses, so that you can see at a glance what to buy, what not to buy and what not to need.

Now a family financial management software is widely circulated on the Internet, in which cash flow management can easily monitor the budget and expenditure, and "light family" can be installed and used.

-you should know that financial management is a lifetime thing.

(Text/Huizi China Mobile Weekly)