How to treat "consumption in advance"?

Although consumption in advance is a popular way of consumption, it should be based on one principle: moderation.

Always prepare a back road for yourself, and the best one is called deposit. When we are young, we should save more money. This kind of saving money does not mean that we scrimp and save every day, skimp on ourselves and save others. However, no matter how much money we earn, we regularly save some of our income every month for a rainy day.

In the past, our common people's consumption concept was based on savings, perhaps because they were afraid of poverty. So I saved my money and put it in the bank for survival and development. But now times have changed. More people use their savings for investment and more for pleasure consumption, which is mainly reflected in "spending tomorrow's money to fulfill today's dreams."

However, you can spend tomorrow's money and consider whether you can repay it. If you just keep trying to fulfill today's dream, but later you have to work very hard to pay off your debts, I don't think it is necessary, very unnecessary!

For those necessities of life, such as houses, cars, parking spaces, as well as necessary interpersonal relationships and travel, we advocate consumption in advance. However, if it's just for comparison, just like when someone else has an IPHONE5, you need 5S, and when someone else has an IPHONE6, you need PLUS, which is really not desirable.

Maybe the luxury life displayed by others is just the tip of the iceberg? What if someone else has a rich dad or michel platini? What if someone else has a mine at home? If you buy a real Chanel bag, you must overdraw the flowers and get a loan. How uneconomical is it? By the way, I will wear underwear as big as my ass! If you are small, you have to put it in your pocket.

You should also work hard when you are young. You can invest money in yourself, sign up for several classes and learn English. Sign up for a yoga class or taekwondo to improve your temperament or self-defense; Travel more if you have nothing to do, see the world of the rich, and don't hide in the corner to keep up with those people.

Although the times are getting more and more advanced, it will never save you money, and prices will only get higher and higher. As long as it is a brand, it needs a lot of money. So don't think that "consumption in advance" is a dividend of the times, or it may be an IQ tax paid by the whole people.

There is a saying that money is a bastard. If we don't spend it, we will earn it. Consumption in advance is not terrible. The terrible thing is that you can't control your desires and have no repayment ability. There is an interesting phenomenon: the rich have their own strengths, and the poor are more powerful and lazy! Spending money is not terrible, but terrible is not enough.

Therefore, we can't be a generation of young people who have been ruined by the concept of consumption. The satisfaction of desire will only bring you temporary happiness, and after happiness, you will be left with various bills and overdrafts.

The best way is: spend if you have money, make money if you don't have money, chase money, chase dreams, and don't be sad!