Spending money is a temptation. What do people who spend money think?

Statistics show that there are 175 million people born in the 1990s in China, of whom 13.4% are without debt and 86.6% have used credit products.

Young people The bundling of consumer loans has become a common social phenomenon.

Unlike going to the bank to open a traditional credit card, in the Internet era, everything has become convenient and fast. There is no longer any threshold for young people to open consumer credit products such as "Huabei", "Jiubei" and "Jingdong Baitiao".

When the credit boundary extends to oneself, this kind of convenience and speed is completely Alibaba for young people with poor self-control and lack of resistance to temptation, especially college students who are not deeply involved in the world. After a "Open Sesame" sound, I entered the Cave of Wealth. Money was everywhere, and money was spent like water.

As a result, young people generally spend more than they can afford, and end up in trouble because they are unable to repay debts beyond their ability.

This is already the case. The younger the group is, the more addicted they are to borrowing and spending.

If you ask young people, why are you so addicted to spending money? Don’t you know that pie will not fall from the sky?

People born in the 1990s may say that the world is so colorful and there are all kinds of novel and unique products, and they want to experience them all; in addition, they also want to be more trendy and fashionable than others, so they spend more. A little bit, I need vanity and greed fully satisfied.

There is nothing wrong with this idea. It is easy to open, fun to use, and has a good experience. Not to mention that young people have no limits and no lower limits to explore and fight in the world. However, at the end of the month, there was a "ding": your "Huabei", "Jingdong Baitiao", and "Borrowing" bills have arrived. At a glance, you have spent nearly 10,000...

The heartbeat starts just now Acceleration: I’ve paid the rent, how can I pay back the rest?

In fact, what the post-90s generation should ask themselves at this moment is: What have I done to consume so much?

In reality, no one will admit that they are a fetishist (too low), but the behavior of spending money like water is confirmed by the bill, which cannot be denied. When you owe more than 10,000 yuan a month, the most important thing to do is not to gnash your teeth, blush and delete a lot of loan apps or even scold yourself, but to shut up in a small dark room and reflect on one thing: Why am I addicted? of? Why are you addicted to spending money?

Humans are animals, and their instinct is to eat, drink and have fun. They are mindless and don’t think about anything else. People are different and need to be conscious and decisive. Most people's decisions and consciousness are unknowingly and unknowingly undermined by the environment.

For example: A man's urine always splashes to the outer edge of the urinal unconsciously. The school didn't even think twice about putting up a slogan, and just printed an elephant or an Autobot on the urinal, and then the phenomenon of urine splashing was reduced - because people would target the elephant or the Autobot.

In the student cafeteria, French fries and fried foods are placed on the highest shelf. They are not big enough for you to reach or even see; while healthy foods such as fruits, vegetables, and organic foods are usually Place them where they are most easily accessible, so students will naturally reach for them and eat more healthy food.

These methods are very simple. They do not force people, nor do they teach people to do anything, but they are effective. The operation is to make full use of people's psychological weaknesses or characteristics, change the environment, and guide people. Do things in the direction it wants.

So, you are not necessarily born to love spending money, but you are born at the right time, and the prosperous times give you more opportunities to come into contact with financial products, and it just so happens that these financial products are so easy to get started with. Fast. Plus, you're young and can't bear not using it. Individual and environment Environmental cognitive ability

Everyone knows that when recruiting product managers, those majoring in psychology and sociology will be given priority.

Why? Psychological research restores the origin and trajectory dynamics of human behavior, and then designs products based on your movement lines. Every product you buy will almost certainly have a pain point that has been put in place and expressed by the product designer.

It’s not what you chose, but what they designed based on your personal characteristics. You are addicted and there is nothing you can do about it, because isn’t that who you are?

In this way, consumers will be thoroughly influenced by the product.

Just like consumer loans, if you take into account your adolescence psychological characteristics such as vanity, comparison, enthusiasm for following trends, informal spending, curiosity about the world, and love to experience, you are driven by your own Driven by desire, I got married to the consumer loan who was obedient to you after disguising myself. If you turn against me in the future and ask you to pay back the money, you will bring it upon yourself.

In addition, humans, as social animals, are integrated with their surrounding environment. Especially young people, who not only have a transcendent and outstanding mentality, but also want to have a sense of security and unity among the crowd.

Others are using it but I am not, so I feel like I am lying or out of date. For young people who have no discernment, being gregarious is so important, so use it decisively!

However, it is precisely this kind of unbridled "gregarious" thinking that makes consumer loans mainly popular among the post-90s generation, but not among adults over 30 years old.

Therefore, the post-90s generation is generally trapped in consumer loans. It seems to be a group or individual problem, but it is actually a problem of the entire social environment.

A psychological experiment was conducted at a movie theater in the suburbs of Chicago. The experimenter just wanted to test one question: Under what circumstances do people eat the most popcorn?

Experiments show that moviegoers generally show one characteristic: those who took a large bucket of popcorn before entering the theater ate 53 more than those who took a medium bucket of popcorn. The audience, which is equivalent to holding a big bucket, grabbed almost 21 handfuls from the bucket.

In other words, eating more and eating less is only related to one thing from beginning to end, and that is the size of the popcorn bucket.

After that, the experimenters also changed various movie theaters and crowds, but whether they chose movie theaters in Pennsylvania, Illinois, or Iowa, or the crowd of old, middle-aged and young people, and no matter what kind of movie was shown, all The experiments all yielded the same results: the larger the food container, the more the audience ate.

After reading this, you should know how small factors in the environment affect people's behavioral decisions, right?

When various credit products appear all around you, and when everyone in your social circle is using them, environmental factors have begun to affect your decisions and judgments. There is no doubt that you will take the time to pay attention to them, whether you really need it or not; and there is no doubt that you will use it, because after all, the product has been designed to be very convenient. Technology for good and self-discipline

Human weakness, environmental factors = addiction and sinking, taken together, it is really not the fault of a single person.

It is a good thing for financial products to develop, but if the designers have impure motives and the users have no restraint, and the two fan the flames of each other, and eventually burn up, they will naturally be the ones playing with fire, and then the harm will be done. It must be a social body.

“Technology for good” is a slogan that companies that are wary of “the dangers of technology” will think of and use. Because rational people all know that if the original intentions of product designers are impure, technology will bring people not only convenience and efficiency, but also disasters and losses.