However, how much income can the elderly in enterprises have after retirement? It is reasonable to save their lives with less money and seize the main contradiction at any time. It makes sense to give priority to eating and seeing a doctor and live within our means. With the surplus, who doesn't enjoy it will be the moonlight clan? How can you do without money? . So "why do most elderly people not consume or consume less now?" The essence of the problem is not no consumption and less consumption, but lack of money, which can only be consumed in dreams.
At present, most elderly people do not consume or spend less, for the following reasons:
1, I am getting old and my health is getting worse. Worrying about illness costs money, and it costs a lot of money.
I have seen more experiences and lessons. How many families went back to before liberation because of a patient who was poor due to illness?
I am worried that my children will be unfilial and helpless when they are old. I should take advantage of my current health and be able to take care of myself. I am willing to be frugal and save money for a rainy day.
Most of the old people have experienced the difficult period of their lives, and they have been used to the hard life since childhood. They can restrain their consumption desire, look down on material desires, live a poor life and have fun in hardships.
5. Old people don't have much social activities and entertainment, and their life radius is small. They wear clothes, hats, shoes and socks, and only seek comfort, not ostentation and extravagance.
6. Most of life has passed, and the heart of comparison and fame and fortune has decreased. Just for a stable and comfortable life, comfort is more important than luxury.
7. The elderly do not consume or consume less. Mainly because their bodies and energy don't allow them to toss again. Instead of spending money on atonement, it is better to reduce items and simplify life.
8. People with age and experience have seen the essence of life clearly. It is better to have something than nothing, and consumption is also a kind of consumption, which consumes both money and energy and physical strength. It is better to save money to buy peace of mind.
9. For the one-child family, the problem of providing for the aged is worrying. Parents should not only help their children get married, but also set aside future pension expenses. They can't just count on their children to provide for the elderly.
10, the purpose of consumption is to bring satisfaction and pleasure. If this feeling is dull, it is better to be still.
Therefore, the actual demand and future planning, as well as the reduction of their own consumption desire, are important factors for the elderly not to consume or consume less.
Over the years, the old people have accepted many traditional ideas and formed a good habit of thrift since childhood. Now that they are old, their habits have become natural. Apart from the normal living expenses, there are not a few elderly people who don't spend or spend less.
Although their traditional habits are good, their living conditions are getting better and better with the development of the times. As children, we should always care and enlighten the elderly so that they don't go on like this.
It is necessary to guide the elderly to think things over, spend the flowers they should use, buy the food they should eat, and stop going down. We can't take anything away after a hundred years, and we can live our old age well.
This problem is divided into two parts. I am the most qualified to answer. Rural elderly: Rich elderly people are promising children and grandchildren, and generally take more so-called red envelopes as living expenses or holiday expenses. Old people born in the forties and fifties learned the habit of thrift in difficult times and calculated their expenses in a planned way. Don't spend money indiscriminately, don't spend it if you can't finish it. The spare money of the node prevents extra pay, or encourages grandchildren to read more. Old people who retire from cities with pensions are different. Their money can support several people. Promising children enjoy spending, traveling and gambling, while poor children help them make up their lives. There are channels for consumption, which depends on people's environment and status.
1. Now the so-called old people generally refer to sixty, seventy, eighty or even ninety years old. They are a hard generation. Some live in the turbulent years of the old society, some have experienced difficult years, and many live in the era of low wages. They are used to poverty and fear. They don't have much savings, they don't have a strong family background, they live in poverty, and they dare not be extravagant if they have money.
2. Most of them are small and medium-sized enterprises or large collective family workers. Although their pensions have increased in the past ten years, they are still relatively low, and some money is reluctant to spend in case of emergency.
3. Some children are not well-off, so they save money to subsidize their children. Some people are in poor health and often get sick, so they need to take medicine and injections to be hospitalized. If they spend too much, they are worried that they won't get the money then. They all know that it's hard to borrow money.
4. Another is saving money, and money is their life. I can't bear to eat, wear and play, so my life is very bad, and it's hard in spring and autumn. As a result, my reputation was ruined, resulting in no money spent and people finished. This is really rewarding, and there are many such lessons that should be remembered.
Habitual "coffin book" money-
I often heard the old man say this when I was a child.
In fact, "saving the coffin" is not just a literal meaning;
My parents, like many old people,
Experienced 1950 July 10 to 1958 Volunteers to Resist US Aggression and Aid Korea;
Experienced a great leap forward from 1958 to 1960;
After 1 960 July 16 to1960 September1,the Soviet Union withdrew 1390 experts from China, taking all the drawings and materials with it. It has caused great losses to China's economic construction and aggravated China's economic difficulties.
Experienced natural disasters from 1959 to 196 1 year;
Experienced the ten-year Cultural Revolution that began on May 29th,1966;
Old people witnessed 1949 10 and the country's hard work, food supply and infrastructure construction after the founding of New China.
Therefore, experience makes the old people habitually save money for the unknown tomorrow.
Suffering and experience-
Let the old people cherish the hard-won good days-
The old people shed the sweat of youth and grew up with * * * and China * * *; They have a deeper knowledge and understanding than we do.
Years are like songs,
The change of time,
Times are changing with each passing day;
They are self-disciplined, will not spend money indiscriminately, and uphold the good style of thrift;
They develop habitually,
Accumulate energy and ability for an unknown journey,
Save "crossing the river money"!
But old people are surprisingly generous in spending money on their children-
The elderly have never been vague about their children's learning guidance, further education, buying a house and a car, getting married and having children.
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Share some documentary snapshots with you.
Although the old people are retired,
Not just enjoying leisure!
I think the reasons why the elderly don't spend or spend less now are as follows:
The first point: At present, the income of some elderly people is very low, and the income problem of some elderly people is also one of the main social problems, so these elderly people belong to the group with poor spending power.
The second point: there is not much consumer market for the elderly. Most of the main expenses of the elderly are spent on medical care, and there are few entertainment projects for the elderly in society. So now the consumer market for the elderly is relatively limited.
The third point: At present, in big cities, many young people are already under the great pressure of mortgage and car loan. In order to help their children reduce their burden, the old people usually scrimp and save and try to reduce their own expenses. However, we should remind everyone that it is very difficult for parents to raise female adults. Everyone should try their best to help their parents enjoy their old age.
Fourth: At present, most of our parents have experienced famine and know that money and food are hard to come by, so thrift has long been integrated into their bones and has become an inescapable virtue.
After decades of life, the old man has accumulated wealth in life. First, people with wisdom and good roots know how to be frugal, cherish happiness and not hurt it. Money is used on the cutting edge, and virtue accumulates to do good deeds. Second, the old people know that wealth is not easy, and spend as little as possible for future generations.
Why don't most elderly people spend or spend less now?
The reason is that the epidemic is serious this year. Older people who have retired before will choose to travel, go to places they have never been to and enjoy the great rivers and mountains of the motherland. But now the epidemic is all over the world, and they can't go anywhere, saving a lot of money.
In addition, female colleagues in the original unit pay more attention to dressing up. Everyone appreciates each other's taste in clothes and pays great attention to their personal image. Clothes, shoes and bags are not small expenses.
Stay at home every day after retirement and dress comfortably and lightly. There is no need to buy so many clothes and shoes. This saves money! The consumption level has naturally decreased. Try not to buy things that you don't need to buy, as long as you meet the needs of daily life and eat and wear well!
Therefore, most elderly people do not consume or consume less.
If the pension is large, they are still willing to spend it, otherwise the money will not be spent, and they will buy some high-end things. Not all old people don't spend or spend less.
Old people with less pensions also want to spend this way, but they should save some life-saving money, otherwise they will have no other income and spend less money after retirement. If they are really sick one day, there is no way to treat them. Even if the elderly have medical insurance, they must pay the hospitalization fee first and then settle accounts after discharge. If you have no money, you will be seriously ill one day, and you will look down upon it. Because you have no money, why did you say that the old man was seriously ill and went to the hospital? It is also because he has little money, and the outpatient illness will not be reimbursed. If some minor ailments can survive, he can survive. You can save some money by buying some small medicines at the drugstore.
Once she went shopping with her neighbor, she valued a dress at more than 5000 yuan. I can't buy it, because the pension is small, and the neighbors bought it without thinking. The pension of more than 10 thousand yuan is several times more than mine.
Therefore, the amount of pension is also related to the quality of life of the elderly. For pensions with too big a difference, we dare not enter high-end boutique clothing stores.
Old people are now open-minded. Whoever has money doesn't pay, or the pension is too small. They have to spend money and scrimp. Is getting a pension a reason to spend? That's not true. It can be said that the old man has retired and has no other source of income. He depends on his pension income. If you don't save it, it will be spent in half a month.
Those who have a small pension, if they have savings, save them bit by bit from their mouths. In order to get money on the day of illness and hire a nanny on the day of sleep.
Now the biggest task of the elderly is to live a happy life, go out for a walk every day and protect their health. Keeping away from diseases and disasters is the greatest happiness of the elderly, and it is also the goal that the elderly will achieve.