Moonlight Clan Adds The Costumes To The Biggest Expense.

< p > there are a group of people in the workplace. They earn a lot of money and spend a lot of money. They get rid of the "grain tax" when they get paid. There are also a group of people who do not earn enough to earn their living.

They are all "moonlight clan".

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P survey showed that 36.51% of the respondents were "moonlight clan", whose expenses were mainly used for < a href= "//www.sjfzxm.com/" target= "_blank" > dress < /a > purchase, entertainment and entertainment.

Nearly 40% of respondents said the low wage level was the main cause of "Moonlight" (see the right chart).

A total of 200 people participated in the survey, mainly young workers in post and post-90s.

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< p > < strong > low income or "Moonlight" main reason < /strong > /p >

< p > recently, a net post of "10000 yuan without deposits" has aroused heated debate on the Internet.

The poster said that the annual salary is 120 thousand yuan, which is daily bus, fast food, and the balance of bank cards is rarely reached 5 digits. Life is embarrassed.

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< p > > the poster lists a list, which shows that the monthly expenses are: 1000 yuan for both parents, 2850 yuan for mortgage property, 2000 yuan for vehicle loan, communication and smoking, 1000 yuan for living expenses, 800 yuan for human relations, and 800 yuan for red envelopes, 1000 yuan for clothing purchases.

Finally, the poster said that there was little left in the month.

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< p > the expenses of various names have made many professionals become "moonlight clan".

According to the survey data of Zhitong talent network, 36.51% of respondents said that their monthly income was basically spent; 20.63% of respondents said that their monthly income could be saved by half; only 10.32% of the respondents could save more than 70% of their monthly income.

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Less than 51.59% of the respondents who participated in the survey accounted for less than 3000 yuan a month, 34.92% of their monthly salaries ranged from 3000 yuan to 5000 yuan, and 7.94% received a monthly salary of 5000 yuan to 7000 yuan P.

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< p > 38.12% of respondents believe that low income is the main reason for "Moonlight".

In addition, irrational income control and high prices are also important reasons for "Moonlight". 32.56% and 25.42% of respondents hold this view.

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< p > < strong > adding the maximum cost of clothing > /strong > /p >

< p > Xiao Yue (a pseudonym) was promoted to director of the company, earning a monthly income of over 10000 yuan.

"The position changed, and the cost of buying a href=" //www.sjfzxm.com/ "target=" _blank "> clothes < /a > naturally increased.

Xiao Yue said that now often attend some formal occasions, the monthly purchase of clothing will spend at least 3000 yuan.

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According to the survey data of Zhitong talent network, the "moonlight clan" chose 16.25% of the "moonlight clan" to choose clothes and cosmetics, and 15.25% of the "moonlight clan" chose leisure and entertainment. In addition, pportation, communication, home life and other options have become the biggest cost of more than 10% of the "moonlight clan" P.

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< p > Cai Xiaomei, deputy director of Zhitong talent chain group, believes that nowadays, post-80s have become the backbone of the workplace. In daily work and life, they will pay attention to the matching of dressing, temperament and workplace status. They usually choose clothing brand to be directly proportional to their position; while the "post-90s" pay more attention to the freshness and vitality of clothing, and pay more attention to the change of quantity and style for the purchase of < a href= "//www.sjfzxm.com/" target= "_blank" > clothing < /a >.

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< p > Cai Xiaomei analysis shows that the new generation of the workplace is at a very young age and has a relatively large expenditure on human interaction and entertainment. Because many people have not yet married, there is no obvious expenditure pressure on housing, car loans, children's education and other expenses.

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< p > rational financial management to "Moonlight" to say goodbye. < /p >

< p > < strong > workplace suggestion < /strong > /p >

< p > "Moonlight" has become the heart disease of many professionals, which may be related to poor financial management.

In terms of financial management, there are two famous formulas: expenditure = income - savings, savings = income - expenditure.

From the mathematical point of view, the two formulas are exactly the same, but there are great differences from the perspective of financial management.

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< p > the first formula is intended to meet the requirements of savings after each month's "grain rates". Then, according to the surplus part, it looks at the dishes to decide how much the expenditure will be. The second formula is to meet the needs of various expenditures first, then to save and save more or less. It depends entirely on how much money is left in the pocket.

Some career people may just have chosen second ways of managing money before they become "moonlight clan".

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< p > Wang Qian, a consultant for talents in Zhitong, suggests that "moonlight clan" should manage finances rationally. Do the following points and try to say goodbye to the embarrassment of "Moonlight".

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< p > write the Nanfang Daily reporter Li Shulong < /p >.

< p > mandatory savings < /p >

< p > from the angle of wealth accumulation, the first formula of foregoing financial management is superior to the second formula, the essence of which lies in mandatory savings.

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< p > if the monthly income is 5000 yuan, excluding the rent and daily expenses of 2000 yuan, other miscellaneous expenses will be 2000 yuan, leaving 1000 yuan to save. If we do not consider other investment income, we can save 12000 yuan a year.

But if we change the habit of financial management and develop mandatory savings, we will save 2000 yuan for our wages first. Besides paying the rent and living expenses, we can save 24000 yuan in one year.

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< p > rational consumption < /p >

< p > financial management needs to establish good habits and carry out rigorous plans. This is not only reflected in the "open source" of mandatory savings, but also on the "throttling" of rational consumption.

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< p > the so-called "impulse is the devil". Some workplace white-collar workers are happy to pick up credit cards and brush them casually.

To say goodbye to the "Moonlight family" must cultivate the habit of rational consumption, try to avoid the daily multiple shopping, although the amount of consumption is not much, but the cumulative number is not small.

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< p > suggest making monthly shopping plans and making detailed lists.

If there is a desire for shopping, first think about whether it is necessary to buy this item. The frequency of use is not high. If you don't buy it today, do you want to see if there is any shopping desire in a few days? If these are the negative answers, you should be glad to save yourself an unnecessary expenditure.

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< p > good credit card < /p >.

< p > credit card can make people enjoy the pleasure of advanced consumption, but it also stimulates the cardholder's consumption desire in an invisible way.

Do not feel excessive consumption at ordinary times, and realize that they spend so much money on the day of repayment.

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< p > it is recommended that the cardholders who are less than a href= "//www.sjfzxm.com/news/index_s.asp" consume less than /a and self control should strictly control the amount of overdraft, and reduce their credit limit as far as possible, and apply for the restoration of the credit limit when they have to buy large items.

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