Alipay's annual bill for 2019 is coming soon. How much did you spend on Alipay this year? There are a lot of \"post-90s\" who are frightened by their own bills: where did I come from so much money?
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Speaking of "post-90s" consumption," exquisite poor "," moonlight clan "gnawing old to buy luxury goods," ahead of consumption "1000 can be spent,10 must save ”…… Various consumption concepts and behaviors have been labeled as "malformed ".
“Don't know how to save money! Don't use those stages! The "post-90s" parents are often wary of persuading their children to change their spending style.
But many reports use tangible data to provide a vivid interpretation of the \"post-90s\" consumption patterns. Some of their consumer behavior seems irrational to outsiders, but has its own unique pursuit. When they're smart enough to spend, they may be more than you can imagine, and more than their parents.
In the third decade of the 21st century, china's \"post-90s\" people are marking the unique character of this generation with their consumption ideas and ways.
\"cell phone taxi why squeeze bus subway? Time counts. \"\"Fresh app can send vegetables and fruits home, at most more than a little more freight, why run out to buy their own food? \"\"Work so hard, work too late on weekends, and it's too bad not to eat well. \"29, the last birthday at the beginning of two, have to buy yourself a present. \"Lazy consumption, incentive consumption, healing consumption, many \"90\" adhere to the concept of refined life, income is not high, but not small expenses.
Xiao Gao is a \"cat slave \", her cat is called Daqing. Buy cat food, cat litter, cans, toys, take it to the bath, every month there are five or six hundred yuan fixed expenses. In addition to the financial burden, it takes time to feed and drink.
Daqing sometimes wet the bed, leaving a \"mark\" on the only two quilts at home. But daqing is also gentle and clingy. Sometimes he will go to sleep in the quilt, and on weekends he will invite his friends to come to his house to \"suck the cat \". White soft fur, clear eyes, Daqing to bring endless warmth to Xiao Gao.
“sometimes gets really mad at him, but it's a way for us, cat slaves, to express ourselves. I haven't told my parents for a long time because it's hard for them to understand. said Ko.
Another unappreciated consumer behavior of the “post-90s is the pursuit of milk tea. China's current tea market in 2019 is about 50 billion yuan, and half of consumers are "post-90s ".
“If you ask me where all my money is, look at the lap of fat on my stomach. To a "post-90s ", this fat meat will have the great" contribution "of milk tea.
The “post-90s and post-00s feed a wide variety of milk tea shops: shopping malls, commercial pedestrian streets, residential areas around, university canteens and campus snacks a street, will never lack their own characteristics of milk tea shops, many of the network of popular shops are still in line.
This love is confusing. After 90, he Xiaoya often orders a cup of milk tea in overtime,\" in the winter months, buy a cup of milk tea in the palm of the hand, very warm, and take a mouthful of pearls, warm and soft, like a long-lost lover warmly kiss. Although milk tea is known to contain addictive substances, it is not willing to quit the habit.
The “post-90s" growth process has more consumer choice, the variety of goods is extremely rich, marketing tools," grass god "deeply rooted in the hearts of the people, wechat public number, weibo big v, small red book, various forms of live broadcast, all the time to seduce them.
The times have given this generation a more colorful physical world, and also put on their shoulders an increasingly heavy life pressure and work load. The pressure has led to the``post-90s'' consumption behaviors and impulse consumption that are not understood, and many``post-90s'' pay more attention to education and self-improvement in consumption.
According to the post-90s savings report released by china new economics institute co-pay, the amount of money young people spend on educational products and services rose 87% year-on-year.
2019 is called the first year of paid self-study. The paid study room quickly won the favor of young people in the workplace. After work, many young people, fleeing from cramped living conditions, go to pay-for-study rooms to find a quiet desk, hungry for self-improvement. For a more decent life and a brighter future, the \"post-90s\" who enter the workplace dare not slacken.
On one side are growing consumer demand and on the other are shy pockets. With the help of consumer finance, credit instruments to advance consumption or installment payments, is a lot of \"post-90s\" consumption habits.
According to statistics, an average of one in four \"post-90s\" people are using flowers for credit consumption, nearly 40% of the \"post-90s\" to set the flower as the preferred way to pay for Alipay, more than 85 percent, more than 70 percent of the \"post-90s\" will continue to consume ahead of schedule.
At first, perhaps just want to buy a mobile phone, but also pay rent, direct pressure to buy a bit big, used the installment. A mobile phone worth four or five thousand yuan, divided into 12 months to pay off, only three or four hundred yuan a month, it is likely to be interest-free.
After the mobile phone, feel that the computer has been used for many years, the response is getting slower and slower, not a few programs on the card, also should change, so the way to buy a computer by installments, the installment bill is added hundreds of dollars.
Listening to music at home, the effect of the mobile phone is not satisfactory, to achieve the "high-pitched sweet, mezzo-soprano, bass sinking" sense of penetration, you have to buy a high-quality speaker. In the face of the price of thousands of speakers, or by installment "Dafa ”……
Want to buy more and more things, Alipay flowers on the amount gradually accumulated. In order to disperse the quota, simply open another JingDong white note to reduce the inner anxiety and guilt. In this way, the micro loan in WeChat, where to take the net to spend, Baidu's rich flowers, bank credit cards and even some unreliable net loan accounts. Various credit instruments have been opened to meet the demand for advanced consumption in different scenarios, and the amount of debt is growing.
If debt levels aren't seriously exceeded and there's a steady job, it's not a bad result to pay more interest by extending credit. Really cannot with the family low bow is also an emergency policy, until the week after the transfer of funds even with interest is still on it.
Worst of all is the serious excess over the debt capacity, easy to be \"low-interest\" online loan platform propaganda temptation into the pit, resulting in a lot of usurers on the back, not only build their own future, but also drag the whole family, but also pay a young life for this.
In spite of the tragedy, however, the vast majority of post-90s credit instruments remain calm and restrained. Eighty-seven per cent of young people have never been overdue in nearly a year, and only about a percent have experienced frequent overdue payments and loan repayments. The proportion of users using three or more Internet microfinance platforms is about 3%. Instead of being dragged down by debt, the vast majority of young people have saved a lot of money.
According to the \"post-90s\" savings report,92% of young people have monthly savings, and the \"post-90s\" monthly savings in yu' e yu' e treasure, than its bills. The \"post-90s\" polled said that buying what you want to buy outside of your necessities takes full account of the economy.
Beijing Chaoyang District Sanlitun Swire, neon flashing, traffic, crowded people. Reporter interviewed a shoulder-slung Louis Vuitton \"mahjong bag\" of the \"post-90s\" girl, she said:\" It took almost a month to pay it, trust friends back from France. Usually study where to buy luxury goods cheap, such as buy Louis Vuitton products to France, Australia to buy Gucci bags, and then find a reliable purchase, can save a lot of money. And these prices are volatile and need to be followed up at any time.
Many underpaid \"90s \"are willing to buy big names and luxury goods, but are also price-sensitive and will try to find the cheapest way to buy luxury goods.
Another shrewdness of the “post-90s is that they are also more receptive and more favourable to the use of installments and financial products earlier than their fathers. Loans are not new to the "post-90s" generation, but it is hard for them to use credit instruments for their daily consumption, and the "post-90s" budget for wool is unambiguous.
Big enough to buy car installments:\" post-90s \"xiaoshi and his wife live in tianjin, married not long after, ring number signed, plan to buy a car, home to give money, but they want to pay in installments, save cash for investment. \"The stages are too cumbersome, there are lots of pitfalls and forced consumption, and it's not cheap at all,\" the parents said.
The couple carefully studied the doorways, telling reporters that according to the 4S store's offer, if used in installments, the price of the car would be five or six thousand yuan cheaper than the full one. But must follow the 4S shop's request on \"the entire insurance \", but the entire fund may choose the insurance, discards some impractical item. There are also GPS installation fee, handling fee and so on several expenses,7788 add up to five or six thousand yuan. Total installments don't have much advantage, but there's a lot of cash in hand that can be used to make investments to avoid risk and buy stable-yielding fund bonds.
The “post-90s" financial awareness is indeed more obvious." According to the data,32 per cent of post-90s workers have a clear savings plan and, as they age and experience, a significant increase in the proportion of new deposits per month has been achieved, with 60 per cent of students and nearly 80 per cent of office workers saving more than 10 per cent of their monthly income.
“When Yu' e Bao came out a few years ago, the benefits were relatively high and the money was put here, and then the benefits were lower and lower, and other avenues were considered." Mr. du, who is a phd student at a university in beijing, says investment returns are now a hot topic when he meets friends and often communicates with them.
Zhu Ruifeng, who went to Hefei after graduating from graduate school, would invest some money every month to use the political and economic common sense he studied in school to guide his family to fire dollars, with an investment yield of more than 10%.
Jin Ge, a researcher at Peking University, said the \"post-90s\" were natives of the Internet and a generation that grew up in China's economic take-off period, and that they had more contact with consumption and financial management than their parents. In addition, this generation of young people have a strong sense of independence and self-security, careful calculation, early financial management are ready for a good life in the future.