On the one hand, it is the growing consumer demand, and on the other hand, it is a slightly shy pocket.
Using consumer finance and credit instruments to spend in advance or pay in installments is a lot of "post-90 s" consumption habits.
As a result, some people regard the monthly bill repayment date as a "disaster day".
However, some people improve production efficiency in stages, gild themselves and create more imagination space for the future.
Staging, which finally dragged down young people? Or did you do it?
This microscopic story is about a group of young people who regard staging as a way of life. These include:
Some people are product managers of "Beipiao", who regard the rational use of credit products as a smarter consumption mode and strive for the greatest benefits for themselves;
Some people work hard to start a business alone in a foreign land, and investors leave one after another, so that their financial constraints can be quickly alleviated in stages and become a "financing channel" with less psychological burden except family and friends;
Some people are full of confidence in the future of their families, so they dare to advance in advance and spend in stages clearly and moderately, so as to "spend tomorrow's money and complete today's dreams".
They are the epitome and representative of this generation of young people's consumption view and outlook on life.
When this generation of young people are smart in consumption, they may exceed your imagination and surpass their parents.
The following is a true story about them:
Text | Nan Zhou
Li, male, 25 years old, founder of educational institution.
In the eyes of many people, 25 years old is still a little green, but at this age, I have already experienced the ups and downs of life early.
I like to toss.
During my college years, I opened a "snack night owl shop" in the dormitory building, shouting the slogan "Send to bed in 9 minutes", which was once quite influential on campus.
During the summer vacation, I saw an educational institution recruiting summer principals in the column of the school newspaper. I'm glad to apply for this job. I was assigned to a town in dengzhou city, Henan Province to take charge of the campus.
The campus conditions are very poor.
A room is a classroom during the day and a staff dormitory at night; You can't take a bath for a whole week without a water heater; Living expenses are limited every day, so I can't bear to eat meat. I only dare to buy the cheapest local spinach.
However, after a summer school, my team members and I also gained a lot:
We bring knowledge to the local left-behind children and persuade the children who dropped out of school to return to school. Even in the later stage, their parents will take the initiative to send us eggs.
All this makes us both moved and enriched.
This experience let me see the vast market of township education and training. -These parents who live in small places would rather sell the iron in the pot than let their children improve their grades and go out of the countryside.
After returning to Nanyang, I made up my mind to form a team and set up Nishi Education, specializing in the township education market.
This is a relatively successful adventure.
In 20 17, the scale of Ness has expanded to more than 40 campuses, and its business scope has developed from Nanyang to the surrounding Shangqiu and Zhoukou.
But I still encountered the biggest crisis since I started my business.
One week before the end of the summer course that year, all employees were paid and investors ran away.
He also took all my cash in the name of my mother's dying, and one * * * took 1.3 million!
August 20 17, 10 is the day when we hold a celebration dinner and set our salary.
As a result, more than 200 teachers came to the meeting on time that day, and my team members and I have been calling investors backstage.
After hearing "the number you dialed is temporarily unavailable" for dozens of times, the only idea in my mind is:
We can't keep more than 200 teachers sitting in the conference room all the time. We must scrape together all the money in one day.
But I didn't want to ask my family for help. Their worries will make me more stressed. But our team members are all college students. How much can we borrow?
We moved from the east to the west and collected most of the money. Finally, I spent 5000 yuan on a stage play and paid the remaining two teachers.
Although the money is not much, it effectively solves my urgent need.
Now, my campus has expanded to Xiangfan, Zaoyang, Zhumadian and other cities in Hebei, with dozens of campuses.
My organization is getting bigger and bigger, and all the debts I owe
When I think of the "storm" in the process of starting a business, I suddenly feel as if I am powerless.
Perhaps this is also related to the tough side of my personality: as long as I decide to do something, I will stick to it. This road may be full of thorns, but it is always harder than it.
Education and training in villages and towns is something I have decided to do all my life.
I still remember my freshman summer school:
I remember that in a poor campus, a pair of calloused and chapped hands counted the tuition fees one by one, and sent them to the children with hopeful eyes, hoping that they could get guidance from "teachers from the city"
At that time, I thought, if one day, China's township education can reach the current level of third-and fourth-tier cities. There are multimedia equipment in the classroom and professional teachers in all subjects. Most rural children can go to school and are willing to go to school. How wonderful will it be?
This will be the direction I am willing to fight for all my life.
Some people may think, can summer school really work?
But I believe that with the expansion of the industry scale and the gradual deepening of relevant national policies, it will definitely change!
On the other hand, I just stick to it and move on.
In fact, it is not difficult to persist for a long time. The key is to find a balanced state.
Work needs balance, so does life. I think I have done a good job at this point.
For example, although the economic situation has recovered, I still often use staged music. Especially when buying some big items, I began to habitually choose to spend by stages and set aside some funds for reorganization.
During the Spring Festival this year, Ness opened a new office in Shandong, and the rent and decoration cost 30,000-40,000 yuan.
There happened to be another epidemic, and the campuses in Henan and Hebei could not operate, and funds were urgently needed at a critical moment.
But I still don't want to borrow money from my friends. There is an old saying: "A debt of gratitude is hard to repay."
",what's more, it's not easy for everyone under the epidemic, so the money was finally solved by installment music.
I don't think installment consumption is a "liability". On the contrary, I think that as long as the performance is fulfilled on time, it actually provides me with a "financing channel" with less psychological burden besides family and friends.
Wang Muwen, male, 26 years old, product manager.
In the summer of 20 16, I just graduated from college, but I had a big fight with my father about looking for a job. He wants me to stay in my hometown, but I "want to prove myself".
In a rage, I came to Beijing from my hometown in Hubei with 2000 yuan saved in four years of college.
17 hours later, when I walked out of Beijing West Railway Station, my passion faded slightly, and my confused mood suddenly came to my mind: 2000 yuan, how long can I live in Beijing?
Beijing was not friendly to me at that time.
I live in a three-bedroom apartment with more than 30 people. The space is small and cramped.
Encountered a job-hunting scam and lost his hardcover design collection with 50 yuan's "huge sum";
I once braved the heavy rain to go to an interview and was rejected. I accidentally broke the only computer in my fatigue.
My first formal job was graphic design. Work overtime for three or four consecutive days when you are busy, and you can only rest for a few hours in the middle.
But I am still in high spirits. The monthly salary of that job is 7,000 yuan, barely enough for me to stand in Beijing.
After several years of struggle, I have an independent kitchen, bathroom and living room from group renting houses, basements and buildings.
It's really cool to take a shower every day without waiting in line!
I have a dog too. Every day after work, I will look into the distance with my dog Doby on the balcony.
Although it is just an ordinary street outside, the lights between buildings and the traffic on the road make me feel closer and closer to the city.
After the previous financial difficulties, I got into the habit of keeping accounts. Every day, from the egg stuffing for breakfast to the cost of overtime taxi, I will record it in the accounting software.
But the fundamental reason why I pay by installment in advance is also this accounting software.
At that time, my old mobile phone system was very stuck, and once the bookkeeping actually crashed and restarted. After several times, I couldn't stand it anymore, so I had to consider a new mobile phone.
At that time, the platform I knew about installment payment was very limited. With the only impression at that time, I finally chose installment music.
Buying a second-hand iPhone in installment music only costs 200 yuan a month, and the financial pressure will be greatly dispersed.
200 yuan a month, I think it is worthwhile to change a mobile phone with smooth operation.
Half a year later, I bought myself an 8,000-yuan UI course with staged music. Although this is an "oversized piece", it can help me get better development.
At that time, I actually had savings and could pay in full, but I chose to pay by installment.
A person who used to live in a group rental house and basement, and a cage of steamed bread was divided into several parts, would feel extremely unsafe without deposit in his hand.
This feeling is like building a castle, being knocked down overnight and starting over. I prefer to digest it step by step, even if I pay interest.
My family is average, and other young people may be able to "live on their laurels", but I can't, and I often need to take care of my family financially. Saving is the only way to make me confident.
Reasonable credit consumption is a sharp weapon for me to expand my "small treasury".
Some people say that it is easy for young people to get into trouble by installment.
But in my opinion, a good consumption concept is a virtuous circle: staged music helps users and users will create value for them. Only by being healthy and moderate, can funds continue a virtuous circle in society.
In more than four years, I have grown from a cash-strapped student to a confident and generous product manager in Beijing.
At the same time, I am proud to be a taxpayer in this city and create value for Beijing with my own labor.
Liang Zhengping, male, 28 years old, is an online education entrepreneur.
Yang Qian, 26, is starting a business with her husband.
My wife and I met in a way that feels like an idol drama.
In the spring of 20 17, I just graduated from university and returned to work in Chengdu. One day, after attending a friend's wedding, I saw a beautiful lady dragging a big suitcase and taking a taxi by the side of the road.
My Lei Feng spirit broke out in an instant, and I picked her up after asking about the situation.
It turns out that this girl named Yang Qian is a professional makeup artist, and the location of the hotel where she put on makeup on that day is relatively partial, so it is particularly difficult to take a taxi. Fortunately, I "fell from the sky".
After about 40 minutes' drive, we had a good chat and added WeChat chat after getting off the bus.
It was soon discovered that their three views and preferences were very similar, so we began to fall in love and often talked on the phone all night.
Boys in love may have become "stupid".
I used to be an out-and-out otaku. I always plunge into my work every day and go home to play games after work to kill time.
But after being with Cece, I suddenly found that playing games became boring, and the mobile phone became the most attractive thing for me!
The sissy has long been topped. As soon as the WeChat "Ding Dong" rings, no matter what I was doing, I will immediately pick up my mobile phone and check the long-awaited news.
Answering information is also a sweet and "distressed" thing.
I always have to think twice about how to answer, so that Cece can feel that the boy opposite is humorous and tasteful!
So is Cece.
Although we live in the same city, we actually live far away, 20 kilometers apart.
Yes, she always said that working hours were more free, and then she chose the date place near my home and spent a long time on the road.
Then we got married, and Cece finally became my favorite wife.
Perhaps it is the happy and contented side of Sichuan people's nature. We have the greatest similarity, that is, we love life, like eating, drinking and having fun, and are willing to spend money to pursue the comfort of life.
We often meet to explore various scenic spots and restaurants, and look for food among online celebrities in every corner of Chengdu.
Drive to the surrounding areas of Sichuan Province on weekends, experience various special homestays, enjoy the beautiful night on the plateau and feel the cicadas in the forest in summer.
Cece and I are not high-income people, and our wages are just above the subsistence level. The secret that supports us to enjoy life in advance is the platform of staged music.
I am an "old user" of installment music. When I was in college, I often bought mobile phones, computers and various household appliances by stages.
From a trip to a movie ticket, you can have a lifestyle that is difficult to achieve with your fingers at present.
In my opinion, using staged music is undoubtedly a good experience.
The handling fee, principal and interest rate here are clear at a glance. I can clearly know the price, installment, the amount to be repaid each time and the interest, which is also convenient for me to evaluate whether this commodity is within my tolerance.
Before spending, I will estimate my income and expenditure to ensure that there will be no debt crisis, and I will spend moderately.
From June 5438 to 10 last year, I started an online education project. Cece later gave up her makeup career and joined our team full-time.
The industry has a bright future, the company is gradually developing, and our financial situation is getting better and better, but I still keep the habit of using installment music.
For example, I like photography. I just bought an aerial drone in stages some time ago, and took many beautiful photos and videos when I took Sisi to travel, which became our romantic memories.
Influenced by me, Cece also accepted the way of installment consumption.
During the epidemic, "Mr. Tony" in the barber shop didn't go to work, so Xixi bought a razor and a hair clipper at the staged music mall and helped me with my DIY haircut at home.
This is probably the unique consumption concept of our generation:
In the era of cross-flow of material desires and cross-flow of human desires, families are either rich or expensive, but they also have no worries about food and clothing, have more leisure time at their disposal, and have sufficient confidence to advance the future.
In a person's life, the most short of money is when he is young. He has the strongest consumption desire and needs to spend money most. After getting old, although I have accumulated wealth for a lifetime and earned the highest income, my consumption demand is declining.
The so-called moderate consumption is to optimize consumption at different stages of life according to one's "lifetime income", rather than arranging consumption and investment only according to current income.
Credit consumption is the best way to balance "present demand" and "future money", which allows us to move income across periods and better realize the intertemporal allocation of resources.
If you buy good things, you can enjoy better moments. Why not have more confidence in yourself in consumption?
The third decade of the 2 1 century has arrived, and China's post-90s generation is using their own consumption concepts and ways to impress the unique character of this generation.
The couple Muwen, Li and Liang Zhengping are typical representatives of this generation of young people's credit consumption concept.
They are the aborigines of the Internet, and they are also a generation that grew up during the economic boom in China. They have a strong sense of independence and self-protection, and their contact with consumption and financial management is ahead of their parents. They are good at calculating and enjoy life.
On August 25th, the new consumer leader Le Xin announced a brand-new brand upgrade plan, and released a brand-new brand concept of "Enough is enough, I am happy to see better".
"Moderation" is a positive force, and the focus of this brand concept is how to help young people to spend moderately and reap the happiness of growth and life.
Create a phased consumption model in China, with a user scale of more than 65438+ billion, hoping to accompany more users to grow better in a warmer way.
The survey shows that the vast majority of "post-90s" young people are calm and restrained when using credit consumption, and 87% young people have never overdue in the past year.
They are not simply materialistic expansion, not only have they not been dragged down by debt, but have gradually become an important thrust of consumption and have more confidence in the future.
The secret of life is to further improve yourself through moderate consumption.
Related Q&A: Is installment loan reliable? Installment loan is a formal installment loan platform. The loan amount is about 3000-8000 yuan, and the longest service period is 12 months. The conditions for applying for installment loans are: age 20-50, mobile phone number of real-name registration system, sesame score of 550 or above, and credit card with joint repayment. The launch time is not very long, and the popularity is not very great, but from the feedback of used users, this cut is relatively formal. At present, the product has been connected to the credit information system, and users with poor credit information cannot apply. Moreover, if there is overdue behavior, it will leave bad credit information records, which will have a serious impact on normal work, life and travel. Therefore, before deciding on the loan, everyone must spend according to their repayment ability. If it is overdue, they will be charged a high penalty, and those who maliciously fail to repay will take the defendant to court for compulsory repayment. First, is the installment loan reliable? As long as it is used correctly, it is basically reliable. Second, the meaning of installment payment is mostly used in some product transactions with long production cycle and high cost. Such as the export of complete sets of equipment, large vehicles and heavy machinery and equipment. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed. The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. The date and amount of each payment are stated in the contract in advance. Third, the market significance installment loan is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can get the goods or services he needs only by paying a small amount of money, but because the interest is included in the future installment, the amount paid for the same goods or services by installment is more than the amount paid in one lump sum. Is there a reliable installment loan? On the one hand, installment payment allows sellers to complete promotional activities, on the other hand, it also provides convenience for buyers. Four. Behavioral characteristics Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a deposit, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed. The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. The date and amount of each payment are stated in the contract in advance. 5. Use suggestions to find out the scope of installment payment. Banks have different ways to pay by installment. In addition to the goods in the credit card installment catalogue, some banks have specific requirements on the place and amount of purchase. For example, GDB card, you can apply for installment payment for a single transaction in 500 yuan, and you must call customer service to register before consumption; China Merchants Bank can apply for installment payment for consumption in Gome, B&Q and other places. It is important to find out whether this consumption can be paid in installments before shopping. Accurately calculate the handling fee. Nothing for nothing. Although credit card installment payment is free of interest, the handling fee is inevitable. Calculate the handling fee to be paid before consumption. If the price is acceptable after adding the handling fee, it is not too late to swipe your card again.