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你是享受当下超前消费主义还是会提前规划💰呢 by coco666

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hive-105017 · @coco666 ·
$2.84
你是享受当下超前消费主义还是会提前规划💰呢
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![us9vMNUlI7qWjXHx_MEITU_20250522_224437658_batch_1_1747925167334.webp](https://cdn.liketu.com/media/coco666/images/us9vMNUlI7qWjXHx_MEITU_20250522_224437658_batch_1_1747925167334/us9vMNUlI7qWjXHx_MEITU_20250522_224437658_batch_1_1747925167334.webp)
![LKtQAtmbhtD7Jmrr_MEITU_20250520_214906662_batch_0_1747925167172.webp](https://cdn.liketu.com/media/coco666/images/LKtQAtmbhtD7Jmrr_MEITU_20250520_214906662_batch_0_1747925167172/LKtQAtmbhtD7Jmrr_MEITU_20250520_214906662_batch_0_1747925167172.webp)
![eFlEAaWdvp0bRrPd_MEITU_20250522_224506570_batch_2_1747925167777.webp](https://cdn.liketu.com/media/coco666/images/eFlEAaWdvp0bRrPd_MEITU_20250522_224506570_batch_2_1747925167777/eFlEAaWdvp0bRrPd_MEITU_20250522_224506570_batch_2_1747925167777.webp)
![HPqWHnY8naREgR9A_MEITU_20250522_224534101_batch_3_1747925168132.webp](https://cdn.liketu.com/media/coco666/images/HPqWHnY8naREgR9A_MEITU_20250522_224534101_batch_3_1747925168132/HPqWHnY8naREgR9A_MEITU_20250522_224534101_batch_3_1747925168132.webp)
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现在工作的25+ 年轻人是不是对钱 数字的概念越来越模糊呢?因为我们看不到人民币实实在在的有多少，只能看到微信 支付宝 银行卡里那几个数字，以及拥有信用卡，花呗，可以用完后面再还款。所以消费时，不会考虑很多，结果到还款的日期时，看到几千的消费，会不会很惊讶呢

网上说，10年前3000的工资，现在还是3000，工资没涨，但是物价，房价这些倍增，之前读书时，还有5毛钱的零食，现在可以说几乎没有了。

很多广告，也会说，要好好爱自己，所以护肤品，衣服就一直买买买，衣柜已经很多了，但总是在换季时，还是觉得没有穿的。以及每个节日也要犒劳下自己，出去吃顿好吃的。不是说这些不好，但是我们也要考虑在自己工资收入范围内，去做这些事情，去规划。

现在因为有了信用卡，网上也会看到因为超前消费，借贷还不了，以贷养贷，利滚利，越来越多，最终不好的事情发生。

所以我会习惯性的记账，之前会有几个记账APP，最后发现不花哨的界面就OK，通过记账分类，可以看到自己在哪一个消费分类下，用得多，也会反思是不是每一笔都是必要支出，下个月再进行改进。

我妹妹她会先存钱，再去下一个地方旅行，我觉得这样也挺好的，存钱的过程，也是在慢慢靠近自己出发的日期，心情也是激动的，不会在旅行完之后还要考虑还款的担忧。

提前规划，也是为了应对一些未知，比如裁员，那你的工资收入可能就会停止，在现在大环境很不好的情况下，你找工作也不可能立马找到。所以我看网上说的是你至少需要存够6个月的生活费，并且现在大多数年轻人也是租房，那么房租费也得提前存好。还有就是突然的生病，或者家人突发情况，需要用到💰。在重大事情发生时，可能才会意识到存钱的重要性。

朋友们，你是会做存钱规划的吗?

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vote details (43)
@azazqwe · 
我有存一年工資的備用錢，以防不時之需
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@coco666 · 
嗯 这样挺好的
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@carolin77 · 
月光
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@celeste413 · 
确实不要提前消费，量入为出比较好吧！😀😀
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@coco666 · 
是嘞
👍  
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vote details (1)
@hivebuzz · 
Congratulations @coco666! You have completed the following achievement on the Hive blockchain And have been rewarded with New badge(s)

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</table>

<sub>_You can view your badges on [your board](https://hivebuzz.me/@coco666) and compare yourself to others in the [Ranking](https://hivebuzz.me/ranking)_</sub>
<sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub>
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