Recently, colleagues Xiao Qing and Huan Jie have been very unhappy.
The reason is this. Enthusiastic Huan Jie introduced a boy to Xiaoqing, and Xiaoqing agreed and added the boy's WeChat.
But less than two weeks later, they ignored each other.
Xiaoqing complained that Huan Jie introduced her to an unreliable boy. Sister Huan is even more angry because Xiaoqing just met a boy and dared to borrow 20 thousand. When the boy didn't want to borrow it, Xiaoqing disliked his meanness.
Now boys complain that Huan Jie introduced him to a "liar".
This matter is actually not too controversial. Everybody knows Xiaoqing is wrong at first sight, but Xiaoqing always insists that the man is too stingy.
Before long, Xiaoqing resigned, and colleagues were wondering whether Xiaoqing resigned because she had had too much trouble with Huan Jie.
In fact, only I know that Xiaoqing resigned not because of Huan Jie, but because she was too short of money recently and wanted to change a job with higher income.
She really can't borrow money from that boy. With a salary of more than 4,000, she now owes 50,000 to 60,000 credit cards, making it increasingly difficult to get a card.
Without finding another source of income, her life will be dragged down by credit cards sooner or later.
In fact, now she must find a rich boyfriend, change a high-paying job, and quickly fill the loopholes in the credit card.
I think her life has been dragged down by credit cards.
02
Some time ago, unreliable data showed that the post-90s per capita debt was 654.38+0.2 million yuan.
For people who don't use credit cards, this data can't be false; But those young people who are used to spending with credit cards always doubt that this data may be true.
After all, it seems normal that every young person owes a 350,000 credit card.
Once upon a time a friend showed off his cleverness in front of me.
"My credit card limit is as high as 6,543,800 yuan. Do you know how I did it? As long as how much is withdrawn every month, how much is transferred, and more water is added, the quota can be increased. "
He is as shrewd as Fan Li, and every account is clear.
I asked him what's the use of raising so many high limits on credit cards. He said mysteriously, "Of course. It will be very convenient to buy a house and a car in the future. "
But this shrewd friend owed tens of thousands of credit cards before buying a house and a car. Strangely, the money is gone.
So the credit card really didn't leave me a deep impression, and its only function "spending in advance" really didn't leave me anything to praise.
After all, credit cards are always "borrowing money". No matter how good you are, no matter whether the amount reaches 100 thousand or 1 million, you will still have to pay back the borrowed money after all.
Therefore, it is estimated that only the parties themselves can understand whether the credit card has borrowed convenience or overdrawn the future.
03
I think people grow up step by step.
When the salary is three or four thousand, you have three or four thousand consumption standards; With a salary of 40,000 to 50,000, you will naturally have a consumption standard of 40,000 to 50,000.
And tools such as credit card flower buds break your ladder vision, and let you touch a higher level of consumption standards, thus forgetting that you have not reached this level.
I saw a video on the headline, saying that a man works in an ordinary factory with a salary of 3,000 to 4,000, and his wife takes care of the children at home, spending 16,000 a month.
This month, my wife bought a new mobile phone, a new stroller, a 2999 child care card, and a lot of baby products, such as a pair of baby scissors from 99 yuan.
The man asked with some collapse, "How many things did you buy and why did you buy them?"
My wife is somewhat indefensible, but she still justifies "plausibly": "These are all useful things. Other people and children use these things. What if I buy them? "
They are all seemingly "useful" things. If you don't spend money indiscriminately, they are actually unnecessary items.
Or for this family with a monthly income of only 4,000 yuan at this stage, these expenses are absolutely "useless" rather than "useful".
Now it is a cashless society, and most of the time money has become a virtual number. Credit cards deepen this virtual degree, and spending money is just a pleasure, not a pain.
Pay to a number, open the number, spend a number, credit card to a number, WeChat to a number.
Who cares how much this number is left in the end?
It is easy to spend money and difficult to pay back money, which has become the biggest common fault of most young people.
04
Many people will say that credit cards are still good, but a few people have poor self-control and can't blame credit cards.
But interestingly, these accusers often end up with a small number of people with poor self-control.
As far as self-control is concerned, I think 99% people will overestimate themselves.
Borrow a little, borrow a little more, slowly test your repayment ability, and then resolutely exceed your repayment ability.
How many young people have ruined their lives like this.
So Socrates said long ago: Man, you should know yourself.