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The month owes the race to become popular, the month owes the race to consume ahead of time has beco

In the past two days, a new term named "yueqian" has become popular on the Internet. On Sina Weibo, "yueqian" has become a hot search keyword. As of 4 p.m. on the 21st, the topic reading volume of '& lsquo; moonlight family & rsquo; change & lsquo; monthly debt family & rsquo; has reached 240 million, so what is the monthly debt family? Now that the whole people have entered the era of early consumption, I wonder if it is a kind of abnormal development?

The so-called "monthly debt" refers to those who not only spend their income but also are in debt due to consumption. It's a new word created by netizens to express "moonlight clan" and "serious clan". On the 21st, two young people from Chongqing were interviewed by the upstream journalists. In their opinion, they are the "moon owers".

We spend tens of thousands of dollars a month to pay off our debts

Lin Sen, 28, a pseudonym, sells cars in a 4S store in Yubei, Chongqing. Although he is a post-90s generation, his average monthly salary is more than 10000 yuan. Lin Sen is from Hechuan. In 2018, two of his best friends from childhood bought houses in the main city one after another. All of his friends began to face a house loan of at least 2000 yuan per month. For Lin Sen, who had already bought a house in Chongqing with his parents' support, they were undoubtedly envious.

Lin Sen's friends don't know that Lin Sen, who doesn't need to pay off the house loan and has tens of thousands of yuan of income, has accumulated about 50000 yuan of credit card debt. Half of his salary has to be used to pay back his credit card and 'spend'.

In Lin Sen's mobile phone, the last message sent by the bank to which the wage card belongs came from 10 a.m. on the 20th. The message shows that Xiao Lin's wage card balance is only 6.16 yuan, and 'for the next week, it's only relying on credit card. '

In the eyes of Lin Sen's friends, he is only 28 years old and has a rich life. Without a car, he usually takes a taxi when he goes out. His laptop for playing games costs about 18000 yuan. Lin Sen's current mobile phone is the latest iPhone that was only changed in December last year. "I think it should be changed. My mobile phone usually doesn't last more than two years. "Just before the Spring Festival holiday, Lin Sen bought two years of training courses at an English training institution in Guanyinqiao, with a total price of more than 20000 yuan. He finally chose to pay in installments, with a monthly payment of 1300 yuan. His credit card debt was one more.

All these expenses must be borne by him. In 2014, Lin Sen's father, who was doing business in Hechuan, sold two houses in Hechuan and bought his son's current residence in Wulidian. Because he was afraid that he would be under too much pressure to repay the mortgage, he chose to buy the house in full. "At that time, the family said that there was not much to support me. Now my family knows that my income is good, and I dare not say that the money is not enough, and I still owe tens of thousands of cards. '

Lin Sen recalled that in the past few years after graduation, tens of thousands of yuan of card debt had long been a confused account. He could not remember exactly how it was accumulated and how it came in stages. It's only when the repayment day comes on the 2nd of every month that he will transfer the number to be repaid to the bank where the credit card belongs in the text message reminder. Every month, almost half of his income will be used to repay the credit card and spend it.

Once a year, all the money saved will be removed

Unlike Lin Sen, who has high consumption, Bai Yue, 27, has been saving a lot. Although her monthly salary is only about 5000 yuan, she can save about 1000 yuan in addition to 1500 yuan of rent every month. By January 15 this year, Bai Yue's deposit was just 15000 yuan, but half a month later, the deposit was cleared. By February 21, Bai Yue calculated that her credit card debt was nearly 1000 yuan. 'this is the first time I really borrowed a credit card because I didn't have money to spend. '

From having a deposit when I was a child to becoming a "monthly debt clan" for the first time, Bai Yue did only one thing, "moving". In December last year, Bai Yue's landlord told her that her house had been sold, and their house lease contract was signed on February 5, 2019. At that time, the landlord would not renew the lease with Bai Yue.

Later, Bai Yue began to look for a house nearby. Bai Yue used to live in the neighborhood of Shidai Tianjie. The house area is only 50 square meters. Bai Yue has lived here for three years, and the biggest feeling is that it is small. 'the house is full of my things, which makes living a little depressed. "This time, Bai Yue decided to rent a bigger house. Finally, she took a fancy to a 70 square meter small two room apartment in the next neighborhood, with a rent of 2200 yuan. On February 1, Bai Yue signed a lease contract with the landlord. The rent and deposit totaled 8800 yuan, plus the service fee to the intermediary company, 10000 yuan was lost.

Because there are two days left for the new year's Eve, Bai Yue quickly finds a moving company to move to her new house, adds kitchen utensils and other things to her new house, and when she moves home and is ready to return home for the new year's Eve, she finds that there is little left in her savings.

'later, I went back to my hometown. Some of the red envelopes for my grandparents were cashed out by credit card, and I'm sorry to ask for them at home!' however, Bai Yue felt that his' monthly debt 'life would only be a very short time,' and he would return to the right track next month, which made him nervous. '

Reporter investigation

Most of the "moon owes" think that they should change their living conditions

Recently, Zhilian recruitment released the 2018 white-collar Satisfaction Index Research Report, which said that more than 20% of white-collar workers were in economic debt in 2018. When checking the income surplus, 21.89% of the white-collar workers interviewed were in debt, becoming the typical "poor busy", 20.15% of the white-collar workers had a deposit balance of '10000-30000', and 17.67% of the white-collar workers had a deposit balance of '50000 or more'.

On the new title of "yueqian" and the consumption mode behind it, the reporter interviewed 10 Chongqing white-collar workers aged 25-35 on the 21st. Apart from the necessary car loan, whether they agree with the lifestyle of "yueqian".

Two of the 10 respondents said that they are "monthly owe", and they can only rely on credit card and "spend" for a long time every month. Five of them said that they would "consume ahead of time" but not "monthly owe". At the beginning of each month, I would set a certain proportion of credit card quota for myself, generally accounting for 20% of my last month's income. 'Ms. Lin said that she would save about 20% of the money and pay back the credit card next month. Mr. He, 31, said he would only use credit cards under certain consumption conditions, with "discount activities or double points" and so on. '

The remaining three of the 10 said they had no credit card and would not consume ahead of time. "I'm afraid I can't help it. If I spend too much, I will owe more. '

Among the 10 respondents, 6 believe that the "monthly debt group" should change their living conditions, and some high-income people have become the "monthly debt group", many of which are due to unreasonable consumption structure and adjustment of their own consumption habits. In fact, they can still live comfortably. Lin Sen's friend, Mr. Li, thinks that Lin Sen can learn to lower his requirements for various quality of life, how capable he is and what he does. '

Hot discussion among netizens

@'teacher's favor': many people around use flowers, that is, they consume ahead of time, and they don't pay enough. Next month, when I finally get paid, I still have to spend money, and then I still don't spend enough. This cycle leads to never having any savings and never being in debt,

@Eager to fly: debt consumption, ahead of consumption, these are their own reasons, can not blame others.

@What color shirt does Xiao Chen wear today? QAQ: I always think that all credit cards like Huabei should be used urgently, not for vanity. Moreover, such money is different from loans for cars and houses.