Moonlight clan is characterized by:
1, the consumption concept is not rational enough. Moonlight people's attitude towards consumption is usually "buy and buy", without comprehensive analysis and consideration of their own financial situation and lack of rational consumption consciousness.
2. Expenditure is greater than income. Moonlight people always make ends meet, and often don't consider saving and the importance of saving. Many times, the expenditure even exceeds one's actual income, which leads to the inability to get the basic guarantee of life.
3. Lack of planning and management capabilities. Moonlight people usually don't make clear financial plans and expenditure budgets, and want to buy things they like as soon as possible. Therefore, it is difficult for them to control their expenses.
4. Bad credit record. Due to the frequent arrears of bills, the moonlight family usually has a poor credit record and cannot obtain financing means such as credit loans.
Ways to avoid becoming a moonlight family
1, make a financial plan. List the monthly income and expenditure, plan the expenditure proportion reasonably, adhere to the budget expenditure and avoid unnecessary consumption.
2. savings and savings. Set up a suitable savings account and save part of your income. You can use your savings when necessary to avoid spending too much from your income, which leads to your inability to save and save.
3. Pay attention to consumption rationality. Before buying, carefully weigh the actual value of the goods and their own financial situation, and only choose the truly necessary and meaningful purchase.
4. Learn financial management knowledge. Learn the basic knowledge of stocks, funds, bonds, real estate and other investments, and make correct investment decisions.
5. Control credit card consumption. Credit cards may bring convenience, but if they are not used properly, they will generate high interest and fines once they are in debt. Therefore, control the use of credit cards, use them rationally, strictly abide by the repayment period, and avoid the occurrence of late fees.
To be a financially sound person, we need to adhere to the scientific and reasonable concept of financial management, pay attention to saving and saving, learn financial management knowledge and improve our financial management ability.