“Moonlighters” are the most popular consumers, because they have a strong desire to spend money; more importantly, they have a strong earning power and have money to spend. The most vivid description of them is “rich, but not for 30 days; poor, but not for a month”.
What are the reasons for the formation of moonlighters?
1. Lack of life refinement, do not know how hard it is to make money.
2. Lack of financial management exercise, can not manage expenses.
3. Lack of social practice to make money to fill the emotional gap, and many are still hibernating people.
4. The revenge mentality, because when you were young, your parents were too strict in controlling your pocket money, so once you have money, you use your hands to make money.
5. The only condition for joining the moonlighting group is that the salary is not left over, and only debts are allowed, not surpluses.
6. The slogan of the moonlighters: spend as much as you earn.
Here are two of the most essential psychological characteristics of consumption:
First, in the psychological account system, the same $1 inside two accounts is not equivalent. For example, Lao Wang’s monthly salary increased by 500 yuan, Xiao Li’s salary did not change, but his boss unexpectedly gave a 500 yuan red packet. As a result, Li was happy to take the money to invite friends to a restaurant to eat a meal, but Wang felt that the 500 yuan is also hard-earned, prefer to save and refused to spend. It is clear that the same 500 yuan is divided into different psychological accounts with very different psychological values because the sources are salary and red envelope respectively.
Second, the rules for calculating inside the mental account are not as rational as economics and mathematics, but very emotional. Gain and loss are relative sensations, not absolute concepts, and the psychological experience of gain and loss is not the same. For example, if 1 pound of cherries is sold for $10 in a neighboring place and only $5 a kilometer away, many people will walk farther to buy the cheaper ones. And if a suit sells for $1,000 at a nearby mall and $995 at a distant one, it won’t make most people travel far to save that same $5.
So people are not very rational in their spending behavior. The most important thing is that the people who are not in a position to save money are the ones who are in a position to save money.
Everyone has to spend money.
Buying designer clothes every month is taken for granted, like buying rice and oil, without realizing that by cutting back on unnecessary spending, you can build up assets that can be used to support your family, cope with emergencies, or invest.
Want to get out of the moonlighting business? Then read on!
If you want to say goodbye to moonlighting, you should make a conscious distinction between necessities and luxuries, so that you can create a mental account for each. The most important thing to remember is that you can’t afford to spend money on anything you don’t want, but you can afford to spend money on something you don’t want.
Buy a savings policy
Because white-collar workers are not that old, put aside more than $200 a month to provide yourself with a savings catastrophic insurance policy with dividends and a catastrophic injury rider.
Keep a running account
Determine where your money is going each month. After all, people’s desires are endless, and if they can’t be made aware of what is necessary and what is not, where will the spare funds necessary to manage their finances come from?
Pulling money out of my own wallet
What I ask of myself is that if I am shopping or spending money and the person finds me a $5 bill, I take it out and put it in my other pocket and put it away in a box when I get home, assuming it doesn’t exist. When you save up to $100 you take it to the bank to deposit it at your convenience.
Cook more at your own home, don’t always eat out
Swipe your card when you can, and don’t buy anything unplanned, just what you have to buy, and never withdraw money and have to pay it off in full instead of paying the minimum.
Choose your friends
Your social circle largely influences your spending. Make more friends who usually don’t spend money frivolously and have good spending habits, not just those who spend recklessly as fashionable and chase after famous brands to save face. The company’s main goal is to provide the best possible service to its customers.
When interacting with friends, it is important not to establish an image of “generosity” for the sake of face among friends, such as competing to pay for meals and entertainment activities, which often puts you in a difficult situation. The best way to do this is to take turns, or to implement the “AA” system.
Self-restraint
Most young people like to go shopping, and it’s often hard to control their desire to spend money when they do. The company’s main goal is to provide the best possible service to its customers. The company’s main goal is to make sure that the company’s products are in good condition.
Improve the art of shopping
When shopping, learn to haggle, compare prices, and try to get the lowest price for what you need. This is not “cheap”, but a mature consumer experience. The company’s new season sale is a good opportunity to shop, but pay attention to the point that you should buy some generous, easy to match clothing, do not cause idle.
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