Do you have this problem?

Do you have this problem?
Jul 9, 2007 05:09
YVONNE Points: Join Date: Nov 29, 2004 Status: offline	When getting the salary, they do not make any plan, just spend. At the end of the month, they almost have no money. If you ask them how much they save in their account. They may tell you that there is no savings in their accounts because they have spent their salary. In Chinese, we call this kind of people yue 4 guang 1 zu 2, 月光族. It is not a good habit to spend your money without any plans. Do you belong to their group? Any methods to change the situation?

Jul 9, 2007 05:09

YVONNE
Points:
Join Date: Nov 29, 2004
Status: offline

When getting the salary, they do not make any plan, just spend. At the end of the month, they almost have no money. If you ask them how much they save in their account. They may tell you that there is no savings in their accounts because they have spent their salary. In Chinese, we call this kind of people yue 4 guang 1 zu 2, 月光族. It is not a good habit to spend your money without any plans.

Do you belong to their group? Any methods to change the situation?

Jul 9, 2007 19:49	#1
SERENA07 Points: Join Date: Feb 7, 2007 Status: Offline	I belong to 月光族, and I can't help it. Waiting for kind solutions or suggestions...

Jul 9, 2007 20:00	#2
MAY001 Points: Join Date: Sep 28, 2005 Status: Offline	I deposit 1/3 of my salary once getting it. In this case, I seldom overspend.

Jul 9, 2007 20:16	#3
KATRINA Points: Join Date: Nov 29, 2004 Status: Offline	Yes, depositing is a good habit and useful way. Also you can do some investment. For example, you can buy some funds which are safer than shares. Third, you must be careful with your credit card. Do not use it randomly. The most important is that you should make a plan to help you manage your money. Doing accounting is also a good way.

Jul 18, 2007 00:46	#4
APAULT Points: Join Date: Mar 11, 2006 Status: Offline	It is always useful to save, but not always so easy! in fact the further China moves down the path of development the more people wil want to spend... that's what all ye dvertising is about. People will not just spend their wages they will want credit to spend in advance. Advertising works, invest in advertisng companies and banks!

Aug 5, 2007 12:03	#5
GRIZ326 Points: Join Date: Jun 12, 2006 Status: Offline	Wenlin translates 月光族 as "moonbeam people." Is there a proverb or legend associated with the name given to such reckless spenders?

Aug 5, 2007 20:06	#6
LEONARDO Points: Join Date: May 21, 2007 Status: Offline	It is really hard to restrain the desire for consuming when you have money in hand. The ultimate goal of deposit is to consume. It is only a matter of spending your money right now or in the future.

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