GD真人

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拒绝“月光” 理性消费

网购打折促销,美丽的消费借口

GD真人“yimiaozhongjiuyongdiaowo2000kuaiqiana。”jinri,gedadianshangdazhe“zhouniandianqing”、“sanbashenghuojie”dengbiaoyu,fenfenzuoqiledazhecuxiaohuodong。guanlixueyuandematongxueyejiarulezheiyibowangshang“taobaodajun”,shubiaoqingdianyixia,zhifubaoliyixiazijiushaole2000yuanqian。shihoutaxiangshiyouzhirangrang: “zaitaobaojiukanshou。”tongyangde,wenchuanxueyuandexiaozhangtongxueyehennanguo。juxiaozhangjiangshu,“sanbashenghuojie”neitian,zijizaitaobaoshangkandaobianyidedongxijiumai,jieguobuzhibujuejianhuadiaole1000duoyuanqian。julejie,shou“gouwukuanghuanjie”deyouhuo,zuijinshaoshutongxuejiuzheiyangchengweile“yueguangzu”。

GD真人jualibabagongsitongjishujuxianshi,2013nianjin“shuangshiyi”qijiantaobaowangxiaoshouejiudadao350.19yi,zaichuangxiaoshoushenhua。meifengdazhecuxiaoji,zonghuiyoudaliangxiaofeizhefengkuangwanggou,zaixiaodaxueshengyeshizheiqizhongdeyiyuan。zhenduizheiyixianxiang,jizhezhuanmenjinxinglexiangguandiaocha。diaochaxianshi,you67%detongxuezaicuxiaoshihuigouwuxiaofei,qizhongxiaofei500yuanyixiadeyou53%,500-1000yuandezhan11%,chaoguo1000yuandeyou3%,jinyou33%detongxuebiaoshibuhuizaicuxiaoshigouwuxiaofei。

不可言说的“伤”

GD真人xihuanwanggoudezhangtongxuexiangjizhefanying,yidaowangshangdazhecuxiaoji,zijijiuhuizaiwangshangmaixuduodongxi,dandaduoshudongxidoushiyinweijuedebipingshibianyierchongdonggoumai,yongchuqishibingbuda,erchongdongdejieguojiushitiqianyuzhileqihoudeshenghuofei,chenglemingfuqishide“yueguangzu”。tongshitayebiaoshi,suiranduizijimuqiandexiaofeizhuangkuanghenbumanyi,dankongzhibulegouwuchongdong,zijiyehenjiujie。zheixie“yueguangzu”changchangyuedihaimeidao,zaozaojiunangzhongxiuse,zuihouzhidexiangjiazhong“qiujiu”。

congjizhedejingyanlaikan,“wanggou”zhishicushidaxueshengmenchengwei“yueguangzu”deyuanyinzhiyi。jikexueyuandechentongxuejiugaosujizhe,pingshizijijingchangheshiyouyiqiwaichuwan,tongchangshikanjianshiyoumaixieshenmezijiyegenzhemai。faxueyuandelitongxuezegaosujizhe,zijizuidadexiaofeizhichushirenjijiaowangxiaofei,yushangtongxueshengriyan,bujinyaohuaqianqingkechifan,haiyaosongshangliwu,zheiyangdexiaofeirangtayoukunanyan。erleisiderenjijiaowangxiaofeihaiyouzhoumojucan、ktvchanggedeng。

GD真人xiangduiyuyishangzhishaozhidaoxiaofeiquxiangde“yueguangzu”,guanlixueyuanxutongxuedehuidagengxianwunai,“youshihouzijiyizhoumomingqimiaohuadiaole1000duokuaiqian,fumuxunwenqianhuadaonaliqule,woyehuidabushanglai。”zai“meiyueshenghuofeijibenjieyuqingkuang”dediaochazhong,dayuezhiyou29%detongxuebiaoshi“gudingqingkuangxiayoujieyu”,you25%detongxueshi“touzhi”。juxuduotongxuefanying,shangledaxuezhihou,huaqianjiuxiangliushui,changchangshiqianhuawanle,zijiquehaibuzhidaohuadaonalile。“qianbugouhua,keyoubuzhidaoqianhuadaonali”jihuyichengweizheibufentongxuedegongxing。

zongshangsuoshu,dabufentongxueduizijidexiaofeizhuangkuangshibumanyide。

剖析“月光”的原因

genjujizheduiwenjuandefenxi,yijixiangxiangguanlaoshiqingjiao,bufendaxueshengguodude、bumanyidexiaofeiyuanyinzhuyaokeyiguijieweiyixiajidian:

congzhongxiaofeixianxiangtuchu。daxueshengdaduomeiyoudulidejingjishouru,jingjidulixingcha,xiaofeimeiyoujichu。jingjidefeidulixingjuedingledaxueshengzizhuxiaofeijingyanshao,bunenglixingdiduixiaofeijiazhiyuchengbenjinxinghengliang,yinerjiaonanxingchengwendingdexiaofeiguannian。zaijiashangzikongnenglibuqiang,daxueshengdeduoshuxiaofeikeyishuodoushishoumeitixuanchuanyoudaohuoshishoushenbiantongxueyingxiangerchanshengdesuijixiaofei。

GD真人chongdongxiaofeinanyididang。jiudaxueshengeryan,wanggoutongchangshiyinqixiaofeidezhongyaoyinsu。youyushuakazhifudedianzixiaofeixingshibuyishirenchanshengxiaofeiganjue,zheiyangjiushidedaxueshengxiaofeishigengjiarongyidashoudajiao。judiaochajieguoxianshi,yueyou31%detongxuegouwushirongyishoudaodazhe、guanggao、cuxiaodengdeyingxiang,you26%detongxuegouwushiyishouxinqingdeyingxiang。

GD真人renjijiaowangxiaofei“rugengzaihou”。burudaxuezheige“wei”shehui,renjiquanzhujiankuoda,renjijiaowangxiaofeiyejiezhongerzhi。mianduitongxuezhijiandeqingkechifanxingwei,ruguobujiaru,bianhuixiandeyupengyougegeburu。suoyijibianshijuederenjijiaowangxiaofeichaochulezijidejingjinengli,danweileburangzijituolizhouweidejiaojiquan,bushaodaxueshenghaishihuixuanze“lishangwanglai”,weichiyuanlaideshejiaoquan。

GD真人conggenbenshangjiang,daxueshengjingjiyishijiaoruo,licaiguanniandanboshi“yueguang”degenyuan。judiaocha,juedabufendaxueshengdeshenghuofeiyongshiyoufumutigongde。shenchuxiangyatadedaxueshengbucengtihuidaozhuanqiandejianxin,suoyizaiyibibiqiancongzijishouzhonghuachuqushiwangwanghaobuxinteng。zaizhe,fumushizijijianqiangdehoudun,jibianshichuxian“caizhengchizi”,zuihouhaishikeyixiangfumuqingqiu“zhiyuan”,zheiyangshidedaxueshengzaixiaofeishigengxian“siwujidan。

量入为出,适度消费;避免盲从,理性消费

zhenduidaxueshengbujinrenyidexiaofeixianzhuang,faxueyuandeyiweilaoshigaosujizhe,zuoweiyigechunxiaofeizhe,zaixiaodaxueshengdejingjilaiyuandaduokaojiating,yincizaixiaofeishiyaokaolvdaojiatingjingjizhuangkuang,bunengmangmudixianruganxingxiaofeidewuqu;yeyaokefupanbixinli,peiyanglianghaoxiaofeixiguan,dujuefeilixingdexiaofei。

GD真人zaicijizhejianyi,tongxuemenzuihaoyangchengzuogouwuqingdandehaoxiguan,zaiwaichugouwuhuozhewanggouzhiqianliechuxuyaodewupin,zhijiequmaiqingdanshangliechudeshangpin,yangekongzhiziji,bimiansuiyixing。lingwai,suirandaxueshengjingjihaiweiwanquanduli,danyekeyichangshizheguihuazijidexiaofei,yangchengcunqiandexiguan,tiqianguihuazijide“xiaojinku”,weizijiburushehuizhunbeiyidingdejingjijichu。

增强独立意识,培养理财能力

daxueshidabufenxueshengmairushehuiqiandezuihouyizhan,jinrudaxueyeyiweizhekaishizouxiangduli。zengqiangduliyishi,peiyanglicainenglishibukeshaodeyaoqiu。duiyuzheiyidian,daxueshengkeyiduoyueduxieyouguanlicaifangmiandeshuji,huozhechangshizheliyongzijidekeyushijianzuoxiejianzhi。

guanlixueyuandecenglaoshijianyi,daxueshengyifangmiankeyizhidingyifenshihezijidexiaofeijihua,yangekongzhiziji,bimian“caizhengchizi”chuxian;lingyifangmian,duiyuhuaqiansuiyidetongxue,yaojianchiyangchenghuaqianjizhangdexiguan,zhangbenkeyigaosuniqianhuazainaxiedifang,shenmedifangkeyishengqian,shenmedifangfeiyongbuke。jingchangfenxizijidezhangben,faxianzijixiaofeibuhelidedifanghouyaozuochudiaozheng。

zhanzaijiazhangdelichangshang,cenglaoshihaijianyijiazhangzuihaobuyaozaikaixueshibianjiangyixueqideshenghuofeiquanbujiaojihaizi,keyizhuyuehuoge2、3geyuedadaozhangshang,zheiyangkeyibangzhutongxuemenheliguihuazijideshenghuofei,fangzhizikonglibuqiangdexueshengluanhuaqian。

(编辑: 张雯  来源:GD真人_GD真人平台-「开户首充送大礼」

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