What are the disadvantages of unreasonable consumption? Now many platforms can borrow money, which makes many young people unable to withstand the temptation of borrowing money to spend ahead of time. According to statistics, the number of people in debt in China has reached 700 million, so what are the disadvantages of unreasonable consumption?
What are the disadvantages of irrational consumption? Harm of irrational consumption behavior 1
People are not computers, and many behaviors of people are irrational. Part of irrationality actually exists in our tens of thousands of years of evolution. For example, we like sweet food, even if it is unhealthy. Irrational consumption not only refers to excessive expenditure without considering personal income or financial resources, but also refers to irresponsible consumption behavior to society, that is, consumption that lacks social responsibility, low-carbon consumption awareness or low-carbon consumption behavior.
Irrational consumption includes impulsive consumption, conspicuous consumption, comparative consumption, extravagant consumption, consumption that is not energy-saving and environmentally friendly, and any other consumption that is irresponsible to society.
Solutions to irrational consumption
1, live within your means and get into the habit of bookkeeping. Keep an account every month and analyze the expenses at the end of the month. Try to avoid unreasonable consumption behavior next time.
2. Compulsory savings, do what you can. You can open a zero deposit and zero withdrawal account in the bank to reduce pocket money, thus controlling expenses and accumulating personal assets.
3. Take the initiative to invest. You can find familiar and stable investment projects to increase your income.
4. Don't blindly pursue fashion. The speed of product upgrading can't keep up. If the product is enough, don't blindly replace it.
Touch consumption based on logical needs rather than emotions.
Make a shopping list.
Make a good budget and spend strictly according to the budget.
Cash shopping is more likely to limit irrational consumption.
Go shopping alone.
Don't go to places that are easy to trigger shopping desires.
Now the state calls for strict economy, and the people should pay attention to rational shopping with money bags, reduce irrational and irrational consumption, and use steel in the cutting edge.
What are the disadvantages of unreasonable consumption? Unreasonable consumption will make ends meet, which will cause family financial difficulties and bring great pressure to parents. It is also easy to form the wind of comparison, blind consumption, leading to waste of resources. You can't restrain yourself, you can't deeply understand the connotation of thrift, and it doesn't conform to the fashion of "practicing economy and opposing extravagance and waste"!
There are more and more examples of college students' excessive consumption and irrational consumption. For example:
1, invite people to dinner.
"I invite you to dinner" is a phrase that often appears in interpersonal communication between classmates, or that the food in the canteen is not to the taste. Some people go to the restaurant regularly, so some people are poor. True feelings can't be eaten as food. Since you have chosen a place, you should adapt to its local customs, including food.
2. Shopping spree.
Shoppers, who mainly appear on some girls, are very beautiful when they go shopping. They buy back a lot of useful and useless things again and again, and most of them are used to press the bottom of the box.
3, credit card, out of sight for the net, no bottom line.
On the one hand, it brings us convenience, on the other hand, it also leads us to blindly consume. When swiping a card, we don't know how much money is left until we click the balance inquiry button in front of the ATM, which is still a nightmare.
4. fall in love.
A bouquet of roses with a price of 100 yuan, a birthday gift should have weight to express love for each other. In fact, simple romance can also touch people's hearts. Besides, people who really love you should not want to spend so much unnecessary money, but also have to scrimp and save.
5. pursue famous brands.
High-end consumer goods, meaningless vanity and comparison are at work. Some clothes require famous brands, but it is not necessary. Students still spend their parents' hard-earned money. As long as things can meet the needs, they should not be wasted.
Carry out theme education, strengthen the education of socialist core values, cultivate advanced models of diligence and self-improvement, vigorously create a frugal campus cultural environment, and help students develop civilized and healthy living habits.
Cultivate the sense of thrift, discover and correct students' wrong ideas such as ahead consumption, over consumption and conformity consumption in time, and guide students to consume rationally, rationally and scientifically.
Strengthen communication and contact with parents, help students make consumption plans, arrange living expenses reasonably, and encourage students to carry out work-study programs in their spare time. Strengthen daily investigation, establish a daily monitoring mechanism for bad peer-to-peer lending on campus, and the publicity, finance, network and security departments of colleges and universities should pay close attention to the business development of peer-to-peer lending on campus.
What are the disadvantages of unreasonable consumption? 3. There are many hazards of consumption in advance.
There are many dangers of early consumption. Undeniably, consumption in advance is a double-edged sword. While affirming its benefits, we can't ignore the negative impact it may bring to society. Just as there are successes and failures in investment, there are risks in credit consumption.
There are many dangers of early consumption. Bell once had such a wonderful theory about installment payment prevailing in the west: the most serious weapon that caused Protestant ethics was installment payment system or direct credit. The phenomenon of "negative Weng" is a unique product of advanced consumption. If it is not properly controlled, it will bring adverse effects on social thought and economy.
There are many hazards in consuming ahead of time, which will stimulate people's pursuit of material things. The excessive pursuit of material enjoyment has also made money worship in society increasingly serious, and the public's values and outlook on life are extremely distorted, even resulting in extremely destructive hedonism and unrealistic waste culture.
There are many dangers of early consumption. If this "negative person" in the city lacks effective institutional norms and constraints, everything will only go to the opposite side of expectations; The stability of economic development will be affected, and behind the expansion of domestic demand is the flood of bad debts of banks.
There are many dangers of early consumption, which may lead to many dangers of "out of control": on the one hand, it will infringe on the property of both borrowers and borrowers, resulting in a social credit crisis; On the other hand, it will also affect the debtor's reputation, causing them economic and mental stress and even economic disputes.
There are many dangers of early consumption. Not only that, excessive consumption in advance will also bring consumers more pressure than they can bear. If they spend money out of comparison, the subsequent repayment pressure will inevitably increase the economic pressure.
This will cause psychological pressure, and the quality of life and one's mentality will also be affected. The result of a questionnaire survey shows that up to 98.09% of people with mortgages in China have anxiety.
There are many dangers of early consumption. Step by step is the law of social development. Any impetuous mentality that encourages young people is extremely harmful to social development. Today, we are addicted to building castles in the air, and tomorrow, we will suffer the pain of falling from the air.
There are many hazards of ahead consumption, which is the inevitable product of social development. We should try our best to prevent over-consumption from becoming over-consumption, so that this "double-edged sword" can not only give full play to its advantages, but also try to avoid potential risks. In the United States, it is very unlikely that consumer credit will bring disaster to the social economy.
There are many hazards of consumption ahead of schedule, because there are many complete institutional norms that match the consumer credit system. "Negative people" are under systematic monitoring from the beginning of lending: whether there is a record of bad credit reduction, whether there is the ability to repay debts, how to spend borrowed money, and so on.
With these institutional norms, "negative people" are within the institutional framework. There are many hazards of early consumption, and it is necessary to establish a series of supporting systems if China wants to control "negative people" to develop in a healthy direction.