你对超前消费有何看法
<p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">打开手机，看了一眼待还的余额，我想很多人之前都对这个观点产生很大的争议，但是目前疫情期间，我发现很多人之前对超前消费观侃侃而谈的人对此都改了观点，很多小伙伴儿都纷纷吐槽：<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">“如果不超前消费，可能就饿死看”<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal"><b><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></b></p><p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">“不超前消费，拿什么还贷？”<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal"><b><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></b></p><p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">“如果不超前消费，根本活不下去”<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">之前很多人提倡不应该花未来钱，现在花的，将来总是要还的，但是我想说的是（仅代表我个人观点）花未来钱没有应不应该，有需要就花，没需要就省<span lang="EN-US">......<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height:150%"><span lang="EN-US" style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" align="center" style="text-align:center"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">01<o:p></o:p></span></p><p class="MsoNormal" align="center" style="text-align:center"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><b><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">很多人说超前消费很容易越来越穷，我觉得这个只是针对部分不记账、没有存钱习惯、喜欢冲动消费、收入单一等，所以很多人想要满足财务自由，还需要合理的分配。<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">在这个借钱比借命还难的时代，对于现在大部分的年轻人来说，花未来钱已基本上是一种流行趋势，我们来看看为什么这么说，首先：<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span><span style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">一·他们可以随时利用这笔钱来周转解决眼前的难关，同时不用向父母伸手要钱亦或者开口和亲朋好友借钱是其一。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">二·根据现代人的工资以及消费标准，社会的发展需求，特别是在大城市的蜗居男女，你需要全款购买一套房亦或者全款购买一辆车也是不可能的，毕竟不是人人都是富二代亦或者成功人士，甚至首付款都有可能是父母一辈子的血汗钱。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">三·不管你买房或者是买车，只要你不是全款，那必须是分期，难道这些不都是超前消费的一部分吗？<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"><br></span></p><p class="MsoNormal" align="center" style="text-align:center"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">02<o:p></o:p></span></p><p class="MsoNormal" align="center" style="text-align:center"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><b><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">那句钱是赚出来的这句话虽然不错，但是理性消费会带给我们更健康的成长，比竟当某一天，你的口袋不在增加，当你的家人需要你的时候，你还能够出一份力，点滴的积累才会使你在需要时有更多的选择，而不是面对冲动消费下购买的衣服鞋子包包发愁。<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">曾经我听说过这样一个故事，有两个姑娘是大学同学，两个人分别是不同的性格，那么我们现在先说一说这个节俭的姑娘，我们在这里简称<span lang="EN-US">A</span>姑娘，<span lang="EN-US">A</span>姑娘家在农村，平时不舍得吃喝，也不舍得乱花钱，家里给的生活费及自己兼职的钱都认真的存起来，幻想着有一天能够在这个辉煌的大城市能够有一套属于自己的房子。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal" style="line-height:150%"><span lang="EN-US" style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">然而<span lang="EN-US">C</span>姑娘性格就比较开朗多了，家境也相对来说比较优越，但是这姑娘也会有自己的小金库，这一天，两人都同时存下了二十万<span lang="EN-US">......<o:p></o:p></span></span></p><p class="MsoNormal"><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">这天<span lang="EN-US">A</span>姑娘和<span lang="EN-US">C</span>姑娘两人相约一起去看房，还说着两人要做邻居，然而全款需要四十万，这时候<span lang="EN-US">C</span>姑娘就决定首付<span lang="EN-US">20</span>万，先拿下，<span lang="EN-US">A</span>姑娘却犹豫了，她想着在等等，在存两年就有<span lang="EN-US">40 </span>万可以全款了<span lang="EN-US">......<o:p></o:p></span></span></p><p class="MsoNormal" style="line-height:150%"><span lang="EN-US" style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></p><p class="MsoNormal" style="line-height:150%"><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">两年后，<span lang="EN-US">A</span>姑娘终于存到了四十万，兴高采烈的去准备买房，结果被告知房子涨价了，首付四十万，而这时的<span lang="EN-US">C</span>姑娘，不仅把贷款还清了，还坐拥了翻价不止一倍的房产，所以说超前消费也可以作为一种投资预算。<span lang="EN-US"><o:p></o:p></span></span></p><p class="MsoNormal"><b><span lang="EN-US" style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></b></p><p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">续：<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal" style="line-height:150%"><b><span style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast">所有的超前消费都有正负两面性，生活就是一面镜子，你所有的努力是不是真的努力亦或者只是自我安慰，请拿出放大镜出来看看就知道了，真正的财务自由是什么时候都可以控制自己。<span lang="EN-US"><o:p></o:p></span></span></b></p><p class="MsoNormal" style="line-height:150%"><b><span lang="EN-US" style="font-size:12.0pt;line-height:150%;font-family:宋体;mso-ascii-theme-font:minor-fareast;mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-fareast"> </span></b></p>花猫写作网拥有一帮喜欢读书、喜欢写作、喜欢分享传播正能量的朋友每天与你一起学习成长，在这里你不仅仅是收获知识。转载请联系花猫说（id:hmshuyouquan）进行授权转载。
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