Pathological consumption of luxury goods do you have?
Big propaganda everywhere large, may I ask: Who can resist the temptation of luxury goods?
Nanjing University, Professor Du Jun-fei has analyzed the world’s luxury goods consumption, the average is about 4% of their wealth to buy, while in China, with the proportion of 40% or more to “seek hardship” situation is not uncommon, this is irrational consumption performance.
This year Chinese New Year, peerless (a pseudonym) a Trustee from France back to the classic LV bag, excited. Carrying a new purse to go to work, unparalleled became cautious, one to the office on the bag with the bag packed for fear of dirty. Encounter rain, prefer to get wet, do not let rain hit the bag. One day, unparalleled since the wet and fell a “four-footed overturned” When her husband asked with concern “people have it?”, The peerless but angrily said: “People have what ah, of course, bear bag ah! ”
To finish the sentence, unparalleled consciously a little “possessed by the devil”, can not help laughing at himself: “I am Eurya not an LV, but a bomb!”
Nanjing University, Professor Du Jun-fei has analyzed the world’s luxury goods consumption, the average is about 4% of their wealth to buy, while in China, with the proportion of 40% or more to “seek hardship” situation is not uncommon, this is irrational consumption performance.
Seventh People’s Hospital of Hangzhou, the psychological practitioner Mao Hong Jing said the consequences of irrational consumption, it could lead to the use of luxury when the irrational state of development of such an irrational result is sick later.
If you are a big fan of the letter, you ask yourself whether the loudly: I am sick consumption of luxury goods do?
1, luxury consumption, relative to all sentient beings
Lisa is a school’s administrative staff, middle-income levels. Lisa is very good impression of luxury goods, but can not be called obsession. Every one or two years, Lisa would come up with a shopping Fund “, to the mall to buy a long-admired luxury, or the classic LV bag, or a charming sun glasses, rewarded their hard work .
And Lisa, compared Ms Yip seems to be not so sensible of. Since three years ago, after the first step towards luxury goods, her passion for luxury goods out of control, almost every year to buy one or two big-name products, now, the luxury home has been an accumulation of three or four bags, but the Every time has its own favorite style listing, Ms Yip still could not keep spending. Although luxury shoppers spend each year is not low, but because income is not low, coupled with a planned financial management, Ms Yip still be able to able to save a reserve each year.
Tang Qi (a pseudonym) are not so lucky since become luxuries of “drug addicts”, she is often a result of living beyond their means because of impulsive spending, financial condition frequently raised the alarm.
Her monthly salary plus bonus less than 5,000 yuan, but frequently travel at various shopping malls to buy luxury goods, already have LV, GUCCI purse, BURBERRY scarf, Dior glasses and many other brands. Because the price of luxury goods are not low, Tang Qi like credit card shopping, often overdrawn. To buy a favorite brand of clothing, she had to reduce other expenses. Usually took the bus instead of a taxi as far as possible, the hotel is also gradually reduced the frequency of eating. “One time, After buying a lot of things that Cary owed money, and happens when there is a sudden need to accompany a friend from afar, when the money even dinners to take almost no, really very shameful. Then determined This no longer excessive overdraft, but each time into the mall, but not control himself, felt very contradictory. “Tang Qi said.
Big S on the claims that he is a “shoe fanatic”
2, pathological shoppers tend to often lack of confidence
In real life, the luxury brand market and enjoyed a special status in society. For luxury brands, its value is far greater than the intangible value of the.
For China’s luxury goods, a domestic professional financial media, there had been a classic description of – their monthly income of 2000-5000 yuan, however, but they will save in the second half of the wages in order to store to buy a LV of the package, and then carrying This package needed to get into the bus, walking to work.
Luxury consumption in the emerging population, can be roughly divided into three classes – rational consumption, and consumption and pathological obsession with consumption.
Seventh People’s Hospital of Hangzhou, the psychological practitioner Mao Hong Jing said that although the theory of demand for luxury goods are not necessities, but the wonderful things that everyone likes to buy luxury goods in fact beyond reproach, but the core conditions are two: First, look at luxury goods whether it exceeded the scope of its economy to withstand, then again from the use of point of view, whether the luxury goods using more than one degree.
White-collar girl A, middle-income, of an LV bag may take her two or three months salary bonus, but the girl to establish a healthy financial system would not only take on necessary expenses of life, there are also able to save the savings planned gold , to the end of the year, we found that left the hands of a liquidity and girls choose to buy a long-admired Treat yourself to luxury, this luxury consumption habits are rational consumption category.
White-collar girl B, middle-income, of an LV bag may take her two or three months salary bonuses, but she already has a certain degree of luxury dependence and fascination each year to buy a certain one or two big-ticket luxury items will feel satisfied. She bought a luxury credit cards through an overdraft, but the next few months, she will strictly control the other expenses, and punctual repayment. Despite the occasional smoke unexpected financial events (for example, rely on friends to defect) makes cash flow a little flawed there, but will soon be able to fill the vacancy expires on the financial. This overdraft to own a luxury bags at the habit of a little bit beyond the rational and areas to the fascination and consumption in line, but fortunately everything still is within the control.
White-collar girl C, middle-income, although a LV bag may take her for two or three months salary bonus, but each time she see your favorite style listing, will be unable to control their impulses. Although the card is Shuabao, assets is always negative level luxury home has piles of Lao Gao, but the girl is still carrying a “negative woman” of the title, the Emergency Unit in the major brand stores. Upon receipt of credit card bills, the girl will have a nervous anxiety, but the thought of having to curb their own consumption, desire, anxiety is doubled. In real life, such as C so sick of young people spending more and more alarming.
Provincial Mental Hospital, Tong-Doctoral Xu Fang said that, if found themselves unable to control their consumption of a reasonable desire to really look for the good cause. The formation of pathological consumption, there are a lot of psychology. Some people buy consumer products, more stress is placed on wealth and luxury displayed itself, and taste, in order to satisfy their own vanity is hugely magnified, so that the original intention can easily lead to their departure from rational consumption.
“British psychologist has said, there are pathological shopping tendencies, have no job security, low self-image issues. Such people often lack confidence in themselves, but requires a process to enhance the inherent qualities , while the dorsal extrinsic change in brand-name bags but can be achieved through immediate consumption, so they want to achieve by improving the appearance of an attractive purpose, so that the starting point itself, there is a gap, and if the external changes in spending over their own affordability, and give ourselves an additional burden, but also a pathological consumption. “city of seven hospital psychologist Mao Hong Jing said.
In addition, if the consumption of luxury goods away because of vanity, it may be appreciated by others, envious of great expectations, but once the real situation and is expected to generate the distance, consumers will form a psychological gap, if coupled with the economic the burden of prominent and easier to produce a series of emotional problems, such as mental imbalance, anxiety, irritable, depressed and so on.
Provincial Mental Hospital, Tong-Xu Fang Doctoral reminder, there is a class of ill-consumer groups should also be caused by self-concern, such people are often in the face of stress, “spending the money to pay for satisfaction.” “Even on weekdays there will be these young girls to consult, they are very bad mood when they shop through a large number of ways to vent that emotion management, and some people choose to eat too much a problem as a reason. But after venting the face of a piles of expensive, yet useless things, the mood will be even worse, therefore, when the pressure is too large, they should face up to their emotions, find family, friends, communication, face up to deal with stress, rather than the pathological consumption. “Xu Fang said.
3, luxury consumption, the amount should be less than 10% of total revenue
In fact, reasonable consumption of luxury goods is that people are expected to increase in wealth for their own an expression of optimism, bring them something more pleasant, is a good thing, but to know how to control degrees.
China Citic Bank (601998 market, shares bar) branch VIP Fengqi financial manager Ding Zhiyi said that in his reception of the customer base, there were indeed more and more people began to advocate to buy luxury goods. In other countries, likely to buy luxury goods are very wealthy class, but in the country, many middle-income young people began to join the ranks, and the obsession with the shopping process.
Ding Zhiyi said that from the financial point of view, for most people, a luxury not a necessity, but also expensive, so people are consuming such items, you must first ensure a stable source of income as a support, as a prerequisite for protection , and will consume the amount of control within reasonable limits, it should occupy a smaller proportion of total revenue to be considered as rational consumption.
Here are a few indicators can be used as consideration. Necessities of life expenses (defined as water gas, meals, lodging, overhead, etc.) the size of the proportion of total income. The lower the proportion of available space for luxury consumption, the greater the.
For example, A monthly income of 10,000 yuan, the monthly expenditure of 5,000 yuan necessities of life, B’s monthly income is the same for 10,000 yuan, but because their parents room and board at home, the monthly expenditure on necessities of life is only 3,000 yuan, then the luxury B consumer goods space is significantly higher than A.
Of course, in addition to the necessary living expenses, a healthy financial plan should also include a reasonable savings rate, Ding Zhiyi’s proposal is, the savings rate should reach about 40%, you can plan ahead and fully respond to future emergencies, is conducive to the healthy functioning of the family . “Therefore, it is recommended you to control the amount of luxury goods consumption less than 10% of household income, this is somewhat appropriate.” Ding Zhiyi said.
In addition to the amount of control, the spending habits was an expert referred to a key point. Ding Zhiyi said that the purchase of luxury goods, he does not recommend borrowing against future revenue can purchase. Because the overdraft in advance, after the event of unexpected financial problems can not be a smooth flow, it is likely to increase costs.
Experts give advice is: Before writing a shopping list of purposeful spending. A people not to stay too long at the mall, bought something on the list came out. Try not to pay the bill when the credit card. Discount during the period in the commodity must control their own emotions. Take part in more social activities and outdoor activities, contact with nature, people’s desire for material will become dull. Usually is not happy when the pressure as far as possible to family members or friends to talk, not to pressure is much excuse for a shopping spree and giving vent to emotions, over time will form pathological consumption habits.
Of course, the two psychological experts also mentioned that in the rational consumption of luxury goods, we should also upgrade their inherent decency and quality, if only just to satisfy the vanity away with a brand-name bags, it is such a phenomenon may occur : You take the top brands, but others have thought it was fake.