当我们还在纳闷，自己为什么攒不下钱的时候，不如反观一下自己的消费习惯。 它们就像一个漏风的匣子，就算把钱放在里面也会不翼而飞。明明感觉自己没有大手大脚的花钱，可是一到月末算账的时候却发现抠抠搜搜，照样花了很多 钱。 原来攒不下钱的原因，并不是我们挣的少，而是花钱从来也不计划。 今天就让我们来聊一聊，这6个不起眼儿的消费，平时看起来挺正常，可是细算下来却很烧钱。 刚开工资没有几天，钱就不知花到哪去了，明明也没买什么大牌，也没有给自己添置什么大件，钱怎么就像长了翅膀一样杳无音信了。 如果你经常也有这样的困惑，不妨学着记账，将每一笔花销记下来之后才会发现，真正影响我们存款的并不是那些大笔的开销，恰恰都是那些平常看似不起 眼的消费习惯。 01.喜欢跟风 有的人没有主见，别人觉得什么好，推荐给你就去买，从来不问自己是否需要。这样的人不缺钱，买了没用的东西也受影响。 可就是这样，就会导致你花了很多不该花的钱。还有一些人，总会受身边人的影响，总就拉上你一起团购，从生活用品到化妆品，再到孩子的吃穿等等。 别人都是需要的时候才买，为了便宜拉上你，你想都不想自己是否有需要，也跟着一起凑热闹。 还有一些人，当看见同事买了新的包包、 ...

然而，这一繁荣只是表面现象，背后却隐藏着巨大的风险。消费金融公司普遍收取29.2%的高利率，远远超过《利息限制法》规定的20%上限。由于贷款利 率过高，许多借款人无法按时还款，债务不断积累，形成了所谓的债务奴隶。与此同时，暴力催收也成为了常态。讨债公司通过恐吓、电话轰炸等方式逼迫 借款人还款，这使得许多人生活在巨大的精神压力下。随着社会矛盾的加剧，消费金融的恶名四起。 2006年，日本政府终于采取了强硬措施，出台了《贷 金业法》和《利率限制法》，将贷款利率压低至20%以下，并要求消费金融公司退还此前多收的利息。这一政策对消费金融行业造成了毁灭性的打击。武富 士首当其冲，必须向200多万客户退还2万亿日元的超额利息，最终导致了公司资金链断裂，2010年9月，武富士申请了破产保护，成为了整顿过程中的最大 牺牲品。其他公司也纷纷陷入困境，像Aiful、ACOM、PROMISE等老牌公司也相继倒闭，甚至包括花旗银行这样的外资大佬，也不得不退出日本市场。 2010年，《利息限制法》正式生效后，超过六成的消费信贷公司因为没有注册而被禁止开展新业务，这标志着消费金融行业彻底衰退。 消费贷款在日本社会的影响深远，特别是在消费 ...

Group 1 - The article discusses the lack of financial awareness and responsibility within a family, particularly focusing on the author's sister-in-law's spending habits and the influence of family upbringing on financial behavior [4][5][6][10]. - It highlights that the father of the author's sister-in-law is disinterested in family finances, which has contributed to a lack of financial literacy among the children [7][9][10]. - The author notes that discussions about frugality and financial planning are absent in family conversations, leading to a culture of excessive spending and a lack of critical evaluation of purchases [21][22][24]. Group 2 - The article points out that the culture of consumerism in Germany encourages young people to live in the moment, often leading to financial difficulties due to easy access to loans and credit [36][56]. - It explains how the structure of loans, particularly in housing, can create a false sense of affordability, resulting in significant financial burdens later on [48][50]. - The author emphasizes that without financial education and awareness, individuals are prone to falling into debt traps created by a consumer-driven society [60][61]. Group 3 - The article contrasts the financial attitudes of different generations, noting that older generations often emphasize frugality and saving, while younger generations may prioritize immediate gratification [61][72]. - It suggests that traditional values of hard work and saving can lead to financial success, as seen in the experiences of the author's family [70][71]. - The author concludes that a balanced approach to spending and saving is essential, advocating for enjoying life while also being mindful of financial responsibilities [73][74].

Core Viewpoint - The recent financial data from the central bank indicates a significant decline in consumer lending and a weak willingness among residents to leverage for consumption, reflecting a lack of confidence in the current and future economic conditions [1][3]. Group 1: Financial Data Overview - In July, new social financing amounted to 1.16 trillion yuan, a year-on-year increase of 389.3 billion yuan, which was below the market expectation of 1.41 trillion yuan [1]. - New RMB loans were negative at -50 billion yuan, marking the first negative figure since July 2005 [1]. - New resident loans were -489.3 billion yuan, a decrease of 279.3 billion yuan year-on-year, indicating a "double negative" state for the second time since April [1]. Group 2: Government Response - On July 31, the State Council announced the implementation of a personal consumption loan interest subsidy policy [5]. - A plan was issued on August 12, providing a 1% interest subsidy for personal consumption loans and loans for service industry operators, effective from September and lasting for one year [6]. - The subsidy will cover major state-owned banks and leading consumer finance companies, with the central government bearing 90% of the costs [6]. Group 3: Impact of Subsidy - The subsidy applies to single loans below 50,000 yuan and for key consumption areas such as automobiles, education, and healthcare, with a maximum subsidy of 50,000 yuan [8]. - Each individual can receive a maximum annual subsidy of 3,000 yuan, which corresponds to a cumulative consumption amount of 300,000 yuan [9]. - The 1% subsidy can significantly reduce the interest burden, effectively cutting one-third of the interest costs for consumers [10]. Group 4: Consumer Behavior Insights - Despite government efforts to stimulate consumption, there remains a reluctance among consumers to take on debt due to concerns about repayment [12][19]. - The article warns against excessive consumption and leveraging, emphasizing that consumer loans do not create wealth and can lead to financial struggles [14][23]. - Historical examples illustrate the dangers of over-leveraging for consumption, highlighting cases where individuals faced severe financial consequences due to high debt levels [20][21]. Group 5: Strategic Recommendations - The article suggests that consumers should utilize the low-interest loans to refinance existing high-interest debts rather than incurring new debts for consumption [25]. - It advocates for a strategic approach to personal finance, emphasizing the importance of saving and planning over impulsive spending [32][34].

Core Viewpoints - The article emphasizes the importance of establishing a solid material foundation before pursuing spiritual satisfaction, highlighting the impulsive consumption habits of the younger generation and the long-term consequences of such behavior [1][2][4]. Group 1: Consumption Behavior - The article discusses the impulsive consumption behavior of the younger generation, exemplified by a case of a tenant who prioritizes car loans over paying rent and utilities [1]. - It contrasts this with the author's own experience of saving diligently to purchase property, which has proven to be a more valuable investment compared to the depreciating value of luxury goods [1][5]. - The concept of delayed gratification is introduced, illustrated by a candy experiment where only a small percentage of children could wait for a greater reward, suggesting that many struggle with long-term financial planning [2][4]. Group 2: Social Implications of Saving - The article raises concerns about the broader social implications of widespread saving behavior, questioning how a collective focus on frugality could lead to reduced consumption and increased unemployment [3][4]. - It argues that while individual saving is beneficial, if everyone adopts the same mindset, it could harm the economy and lead to job losses [3][4]. Group 3: Personal Reflections on Spending - The author reflects on personal experiences of saving money during college, expressing regret over not spending on experiences that could have created lasting memories [7][8]. - There is a discussion on the balance between saving and spending, emphasizing the need for young individuals to learn financial responsibility while also enjoying life [6][11]. Group 4: Generational Perspectives - The article highlights the differences in financial perspectives between generations, noting that older generations may not fully understand the spending habits of younger individuals [12][14]. - It suggests that societal diversity in consumption habits is essential, and that each generation has its own unique financial challenges and opportunities [12][14].

Core Insights - The proportion of families with over one million yuan in savings in China is significantly lower than commonly perceived, estimated at only 0.1% of the total population, translating to approximately 1.4 to 1.5 million households [3][6] - The average savings per capita in cities like Beijing may suggest a higher likelihood of million-yuan households, but this overlooks the reality of income inequality and the burden of mortgage debt [1][6] Summary by Categories Savings Data - In a nationwide survey conducted by the central bank in 2015, it was found that 99.63% of depositors had savings below 500,000 yuan, indicating that only 0.37% had savings exceeding this threshold [3] - The estimated number of households with savings over one million yuan is around 1.4 to 1.5 million, which is a small fraction of the total population [3] Economic Factors - The average annual income for a typical family in China is around 100,000 yuan, making it challenging to save significant amounts after daily expenses [4] - With a saving rate of 50,000 yuan per year, it would take approximately 20 years to accumulate one million yuan in savings [4] Asset Structure - Real estate constitutes 77% of household assets in China, while financial assets account for only 23%, indicating a heavy reliance on property for wealth accumulation [4] - The total personal mortgage debt exceeds 38 trillion yuan, affecting many families' ability to save due to high monthly payments [4] Consumer Behavior - The trend of excessive consumption is prevalent, particularly among the post-90s generation, with 90% of this demographic reportedly having an average debt of 127,000 yuan [4] - This lifestyle leads to many young individuals not only lacking savings but also accumulating significant debt [4]

Core Insights - The pursuit of financial freedom has become a significant goal for many individuals, with personal savings often used as a benchmark for economic strength [1] - To surpass 98% of households in China, an individual needs to have savings exceeding 500,000 yuan, which only about 2% of the population currently achieves [1][4] Group 1: Savings Trends - The COVID-19 pandemic has led to an increase in savings enthusiasm among the population, yet the number of individuals with substantial savings remains low [1] - Many young people are struggling with savings, with some only managing to save a few thousand yuan despite working hard for several months [4] - The phenomenon of "moonlight clan" individuals, who spend their entire monthly income, is prevalent, with some even borrowing money to meet their consumption desires [4][7] Group 2: Consumption Habits - The rise of "premature consumption" is linked to a consumer culture driven by abundant advertising and the availability of credit tools like credit cards and online loans [7] - This consumption pattern poses risks, as losing a source of income can lead to significant financial distress and damage to credit ratings [7] Group 3: Housing Market Impact - A significant portion of personal finances is directed towards real estate, with soaring property prices making home ownership increasingly difficult for many [7][10] - Monthly salaries are often consumed by mortgage payments, leaving little room for savings, compounded by additional costs for home renovations and furnishings [10] Group 4: Rising Living Costs - The overall increase in living costs, including daily expenses and education for children, further strains individuals' ability to save [10][11] - Medical expenses for aging parents also contribute to financial pressures, making it challenging for many to accumulate savings [11]

Core Insights - China's household savings rate remains significantly higher than the international average, driven by a cultural perception of savings as a crucial safety net, especially after the pandemic [1] - As of June, total household deposits reached an astonishing 132.21 trillion yuan, averaging 94,000 yuan per person, but this average masks the reality of wealth distribution [1][3] - The wealth distribution is highly skewed, with only 2% of the population holding 80% of the savings, indicating that the average savings figure does not accurately reflect the financial situation of the majority [3] - Many households face financial pressures due to low incomes and high living costs, making it difficult to save, with many families struggling to accumulate even 100,000 yuan [3][4] - The younger generation's tendency towards overspending has exacerbated the savings issue, with nearly 90% of those born in the 1990s being in debt, averaging 127,000 yuan in liabilities [4] - High housing prices have created significant financial burdens for many families, with a total residential mortgage scale of nearly 39 trillion yuan, leading to minimal savings for those heavily indebted [5]

Core Insights - TikTok Shop has regained its position in Thailand, surpassing the U.S. and Indonesia in both gross merchandise value (GMV) and growth rate, with Thailand achieving a GMV of $25-30 billion and a quarterly growth of 217% [2][4] - The rise of Thailand as a leading market for TikTok Shop reflects its unique position in Southeast Asia, where it has been less impacted by regulatory pressures compared to other countries like Indonesia and Vietnam [2][10] Group 1: Market Performance - TikTok Shop's global GMV reached $10 billion in Q1 2025, marking a 42% year-over-year increase [2] - Thailand's TikTok Shop achieved a GMV of $25-30 billion, while the U.S. and Indonesia reported GMVs of $20-25 billion and $15-20 billion, respectively [2] - Thailand's TikTok Shop is the first to achieve both growth rate and volume "double champion" status [2] Group 2: E-commerce Landscape - Southeast Asia's e-commerce GMV is projected to reach $159 billion in 2024, with video commerce's share increasing from under 5% in 2020 to 20% [4] - Thailand has a high online shopping rate, with 96.2% of respondents aged 16 and above shopping online weekly, the highest globally [4][5] - The number of influencers in Thailand is expected to grow from 2 million to 3 million, with many engaged in live commerce [6] Group 3: Consumer Behavior - Thai users spend an average of 1.8 hours daily on TikTok Shop, significantly higher than traditional e-commerce platforms [7] - Young consumers in Thailand exhibit strong spending power, often engaging in pre-spending behaviors [7] - Social media significantly influences shopping habits, with local celebrities driving product popularity [7] Group 4: Regulatory Environment - Thailand is perceived as the most welcoming Southeast Asian country for Chinese e-commerce platforms, contrasting with the regulatory challenges faced in Indonesia and Vietnam [8][10] - The Thai government is revising foreign ownership laws to attract more foreign investment, which could benefit platforms like TikTok Shop [11] Group 5: Challenges and Adaptation - The Thai market is experiencing a shift in cross-border e-commerce regulations, with new VAT laws impacting foreign sellers [12][15] - TikTok Shop has implemented compliance policies for cross-border stores, requiring registration for sales exceeding 180,000 THB [15] - Despite the potential for explosive sales, understanding local market dynamics is crucial for success in Thailand [15][16]

Core Insights - The article highlights the significant disparity in consumer spending between the United States and China, with the U.S. leading at $15 trillion compared to China's $6.7 trillion despite China's larger population of 1.4 billion [1][10]. Group 1: Consumer Behavior - American consumers tend to embrace a culture of forward consumption, often relying on credit, with an average debt of $141,500 per person and about 40% of the population in debt [3][5]. - In contrast, Chinese consumers prioritize savings and financial security, reflecting a cultural inclination towards frugality and risk management [12][15]. - The average annual salary in the U.S. is $45,000, while China's disposable income was only 32,000 RMB in 2020, limiting the latter's consumer spending capacity [10][15]. Group 2: Economic Implications - The article discusses how the disparity in consumer spending affects economic growth, as insufficient consumer demand can lead to unsold products and hinder investment [11]. - The U.S. has a well-established social security system that supports consumer spending even during unemployment, fostering a culture of spending [12]. - China is working to narrow the income gap with the U.S. and enhance consumer spending power through stable income growth initiatives [18]. Group 3: Housing and Cost of Living - High housing prices in China, particularly in first-tier cities, create significant financial burdens for residents, limiting their disposable income for consumption [15]. - In the U.S., housing costs are relatively manageable, with policies in place to alleviate financial pressure on homeowners [15][17]. - The overall cost of living, including prices for goods, also contributes to the higher consumer spending in the U.S., as illustrated by the price comparison of jeans between the two countries [17].