Post-80 Generation Workplace Atypical Financial Life

After 80, it has become a fashionable vocabulary. It has not only become the code of a group of people, but also a group which is very concerned by the society and the public opinion.

According to the Beijing Youth Daily reported on January 31st, the growth experience of Zhang Lei born in 1986 is the standard "post-80s" version. From key kindergartens to key universities, according to his parents' good life plan, he successfully walked down.

Last year, graduating from college, he stayed in Beijing and started a nine - night eight in an advertising company.

It is very helpless to "chew the old".

Every time I think of the time when I was just graduating, Zhang Lei sighed: "when you just go to work, you can add tapes every month."

A lot of people have prejudice against the post-80s generation. They think they are all "gnawing old people". Zhang Lei, who is a post-80 generation, is not willing to chew the old. The youth group report released by China Merchants Bank shows that only 10% of people will choose to eat old when their income is low.

57% of the 80 respondents believe that relying on experience and hard work, their future will be better and better.

It's not easy to "scratch your life".

According to a survey, young people who enter the workplace generally do not earn enough money. Compared with their low income, they are full of confidence in life.

Zhang Lei tried to change this situation after he had been forced to "gnaw old" for six months, and he formulated a "dig for life" plan for his own situation.

"Reduced the standard of lunch from fifteen to ten, instead of taking the subway instead of the bus, and staying home as much as possible at weekends."

In this way, we can save a large sum of money in one month, plus the probation period, and the salary has gone up a little.

But after four months, Zhang Lei calculated the result, and the result was not as good as expected.

Scientific financial tools are very important.

In the introduction of friends, holding the psychological test, Zhang Lei applied for a China Merchants Bank YOUNG card.

Based on the YOUNG card, the bill can be paid in installments. After making the bill, you can decide for several periods. Zhang Lei bought a camera that he liked for a long time with YOUNG card.

Although the price is high, the monthly repayment is very small.

Not long after, when a friend got married, he bought gifts on Taobao with YOUNG card's network payment function. In addition to online shopping, YOUNG card can also pay for the water and electricity gas on the Internet. Occasionally, when the turnover is not enough, the cash can be prepaid by the first fee free fee.

In fact, Zhang Lei's choice is no exception. In the youth group report released by China Merchants Bank credit card, 63% of the respondents said they would brush their credit cards when they wanted to buy goods that they could not afford temporarily.

Since then, he has no longer extended his hand to his parents, nor does he have to calculate his life every day. He insists on paying the money on time every month, and expects good credit, so that his credibility can be upgraded every 6 months.

Insiders say that if used properly, credit cards will become a financial tool in life, helping cardholders to record and manage consumption expenditure and consumption habits at any time. On the one hand, they can help young people to solve their contingencies. At the same time, they will not allow young people to develop the habit of overspending in advance, and they can also help young people start to pay more attention to the cultivation of credit.