Chapter 3014: The real poor in the city

Mo Yue smiled, "This little white face is really useless. Knocking can make him dizzy. I'm also drunk, and he's too squeamish. Is it made of tofu."
Lu Fei smiled, "Well, Xiao Bai Lian, you know, delicate skin and tender flesh, delicate and expensive body, just like women, they all need to be raised. If Xiao Bai Lian is not squeamish, he will not go to work. Do you eat women’s soft rice?"
Mo Yue smiled and said, "That's right. A man with a little self-esteem would not go that way. Moreover, the fat boss, who looks wretched, is not very rich, and is an old bustard, so he is willing ."
Lu Fei smiled, "After all, it's a lazy word. People still have to work their own to live. Pulling a bite of food from other people's bowls will inevitably have to look at other people's faces to live. Serious men don't think so. People who live by themselves, but people who lack masculinity like Xiao Bailian can only take such a seemingly easy way, but in fact it ruins their own way. My mother told me that people must develop the good habit of independence and do it from an early age. No matter how small it is, you must rely on your own efforts to accomplish it, and don’t always think about relying on others. The consequence of relying on others is to always be led by others and controlled by others. No matter how hard and strong the road in life is, Harmony and independence are two subjects that must be practiced well. These two subjects must be practiced for a lifetime, and there should be no slack in the slightest."
Mo Yue smiled bitterly, "I always thought that your mother was just a very fierce old aunt, and I didn't expect her to realize such a profound principle of being a human being."
Lu Fei smiled, "My mother is the King of Golden Sentences. Just saying a word is enough for me to think about it for a lifetime. For example, she often said that the poor must stand among the rich. It’s about getting in touch with the rich, learning their way of life, seeing the best, and improving themselves. The difference between the poor and the rich is the way of thinking, and we must learn the way of thinking of the rich. For example, the rich rarely buy Luxury goods, cosmetics, and even the clothes they wear are not famous brands, and the cars they drive are just ordinary family cars. Because they think that clothes, cosmetics, shoes, handbags, and even cars are consumer goods. They spend their money on investment. Not for consumption. So the rich will get richer and richer, and the poor will get poorer and poorer because of their own consumption habits. All poor people have the bad habit of buying luxury goods, such as clothes, bags, shoes and cosmetics. If you want to use a famous brand, or even rent a house, you must rent a house in the city center, because in the city center, shopping is convenient. The biggest problem of the poor is that they like to go shopping. Once you get to the mall, don’t spend the last dime in your pocket. Definitely reluctant to leave the mall. In recent years, the massive issuance of credit cards has entrapped more poor people who have no money to buy things and can swipe their credit cards. Once swiping becomes a habit, it is not far from the day when debts are high. Remember before For a while, various lawsuits caused by credit card overdrafts emerged in an endless stream. What is utterly embarrassing is that the criminals standing in the dock, senior white-collar workers, and the amount of overdraft ranged from tens of thousands to hundreds of thousands. All classes work in high-end office buildings, pay attention to the quality of life, and develop the bad pitfalls of comparing each other and admiring vanity. For one thing, colleagues have, but they don’t have them, they feel that they have fallen, and the card is not enough money, only overdraft. Of course, colleagues are comparing with each other, there must be more than one thing. Today is better than shoes, tomorrow is better than cosmetics, and the day after tomorrow is better than clothes and perfume. If you find that you don’t have one, you have to buy and buy. And every month The income is very limited. If they only buy ordinary brands, they may not spend a few money, but for the same thing, if they buy branded products, the price may be hundreds or even thousands of times worse. Ordinary office workers, even It’s a white-collar worker who buys brand-name goods for everything, so what should I do? Or credit card overdraft. When the overdraft forms a vicious circle, and the boss fires them at this time, a tragedy occurs. Why? Because they still expect to use their wages to pay off their credit card debts. Now, as soon as they are unemployed, their income is gone, their debts can’t be repaid, the bank is anxious and keeps urging the arrears, but without success, they can only sue and mediate in court , To solve the problem. So, everyone will find that standing in the dock is all white-collar workers. The white-collar class has always been the main body of the consumer group. They pay attention to the quality of life, need to eat well and wear well, and live in a bustling and busy life. In the city center of Beijing, they don’t know that these high consumptions also add to their financial burden invisibly, but they don’t realize it. Therefore, the real poor in the city are these white-collar workers who have middle and high incomes and still owe a small amount of debt. .It is their consumption habits that caused him Our poverty, they will always lead a rat race life, fall into a vicious circle of spending money, can not climb out. Until one day, the boss talked to them and fired them. They just wake up from the trap of life. It turns out that they have been living in a muddle. It turns out that ordinary clothes and shoes are very comfortable to wear on their bodies. It turns out that they can still go out without makeup or perfume. It turns out that the beef noodles and night market snacks on the street are no worse than the seafood restaurants, and the hot noodle soup in the street noodle shops can still fill your stomach. "
Mo Yue smiled, "Yes, this kind of credit card overdraft case is only done by white-collar workers. Those old folks in the countryside don't know what a credit card is. They want to make mistakes and don't know how to do it."
Luffy smiled and said, "You are wrong again. The majority of farmers do not know how to make mistakes, but they can’t handle credit cards, because before doing credit cards, it seems that you need real estate or other valuable assets to qualify for credit cards. , That credit card is not something anyone can do. However, now, it seems that the restrictions have been loosened and the restrictions are not so strict. This has led to a lot of bad bank debts and various debts that cannot be recovered."
Mo Yue laughed, "I don't understand your human credit cards. To be honest, do you think credit cards are good or bad?"
Luffy smiled, "My mother said that about credit cards. Credit cards are encouraging people to spend. In a sense, it is good. For example, you can spend in advance without waiting. If you have enough money, go shopping again. To a certain extent, it is a good thing. However, this kind of overdraft will also encourage the habit of spending money randomly. It makes people feel that there is no money, it does not matter, anyway, you can swipe your card. But This kind of shopping without worries is just an illusion. It makes people think that there is no pressure to spend money. In fact, who has the money in their pockets is not hard earned? The so-called no pressure to spend money, it is just the salesman who sells credit cards in the bank. It's just a lie. If you really live according to the method described by the credit card salesman, the end result will only be high debts and difficulties. So my mother told me that credit cards are the best thing if you don't do it. Don't do it."