What does Nian Guang Clan mean? "Nian Guang
"Yanguang" refers to the phenomenon that "post-80s" people work hard for a year but find that they are cash-strapped at the end of the year. Especially when they go home for the Spring Festival, the cost is huge. The main reason is that "post-80s" are mostly only children and do not have much sense of saving. With the rapid changes in social consumption trends, it is difficult to achieve rational consumption.
"Nian Guangzu" phenomenon
It's hard to find out that all the salaries and bonuses have been spent all year round, and there is not much left in the pocket - which has become a true portrayal of the end of the year for many Chinese "post-80s". In online forums, there are all kinds of expenses for newcomers in the workplace, such as filial piety fees for the elderly, red envelope money for children, gifts from relatives and friends, alumni associations, marriage, gifts for adding children, and so on. Many netizens said that the cost of returning home "almost wrote off a year's savings", thus unfortunately becoming "the old man".
A social survey shows that more than 43% of young people in Beijing who do not go home are afraid to return to their hometown because "the expenses of going home for the Chinese New Year are too large to afford."
"Yanguang Clan" Features
1. Most of the Yanguang people are born in the 1980s. They like to chase new trends. As long as they eat happily and dress beautifully, they can buy it if they want, and they don't care about money.
2. Have knowledge, brains, and abilities. The motto is "you can earn more if you can spend it". Spend it all and enjoy yourself.
3. The most committed advocate and practitioner of credit consumption.
4. Those with a strong desire to consume.
The reason for the formation of the "Nian Guangzu"
The phenomenon of "Nian Guangzu" has caused many people to suffer from "Chinese New Year phobia", but most people still say that during the Chinese New Year, they have to go home to "throw money". Mr. Liu said: "It is difficult for anyone to get rid of the shackles of family affection. If they do not go home for the Chinese New Year, their parents and relatives in the provincial capital will not be happy!"
When it comes to the "young people" who are "painful and happy", in fact, there is no need to care about the economic gains and losses. People who have been away from their parents working outside for a long time should go home and spend some money for the New Year, which is a necessary cost to maintain family, friendship and nostalgia. The New Year's picture is a joy. Instead of worrying about "external things", it is better to experience the happiness to the fullest.
However, spending money for the Chinese New Year must be based on reality and do what you can. It is indeed unnecessary to spend money unplanned for the sake of face. Red envelopes or gifts are frugal and frugal, and it is up to the person. When preparing gifts for the Chinese New Year, you must think clearly which is more important, life after the year or face issues.
Ultimately, the best doctor to treat New Year's phobia is yourself.
Advice for "Nian Guangzu"
1. Some financial experts believe that the consumption concept of the "post-80s generation" is different from that of the previous generation, which is understandable, but it is also necessary to establish a financial concept as soon as possible. Because they will also face practical problems such as buying a house, supporting parents, and raising children. Only by planning early can we ensure a high-quality life in a longer life stage and achieve both spiritual and financial freedom.
2. Planned economy: to ensure that 1/3 or 1/4 of your salary is included in your personal savings plan every month, it is best to apply for zero deposit and withdrawal.
3. Try investing
4. Choose friends and make friends
