随着生活水平的改善,琳琅满目的商品和光怪陆离的各种消费场所诱惑着都市中一颗颗年轻的心,并催生了很多都市“月光族”(即在每个月发薪之前,会将自己口袋里的钱花得精光,甚至欠上一堆信用卡债务的群体)。总体来看,月光族中独生子女的比例很大。他们从小生活条件比较优越,目前的职业生涯也尚未定型,对未来没有很强的危机感,因此也就难免缺少积蓄和理财意识。小徐,今年24岁。2005年大专毕业,学的专业是电子商务现在正在续本,明年年初毕业。小徐供职于深圳一家办公设备公司,做复印机的业务员兼维修。每个月工资扣去税和四险一金之后(公积金每月他自己交350元),入账是3500元。每季度奖金约2000元。小徐的家就在深圳,和父母一起生活。明年拿到本科学历之后,打算跳槽,薪水应该可以比现在高出2000元。从工作到现在,小徐基本没有什么积蓄。看着自己银行账户的钱少得可怜,而自己身边的很多同学都有车有房了,甚是羡慕。小徐自己分析了一下:自己应该是不折不扣的月光族,每个月的工资都花得干干净净,并且往往不知道花到哪里了他也尝试过记账,但是都半途而废了。大致而言,小徐每个月的吃饭娱乐占了大头,约2000元,买衣服约500元,每个月再给父母500元生活费,基本就没什么剩余了。而且,在小徐开支中占大头的吃饭娱乐是他最不想削减的,因为他觉得那样会降低自己的生活质量。但是,小徐也很是担忧。他有个谈了两年的女友,如果一直这样下去,什么时候能攒够钱娶她进门?什么时候能买套房子,营造属于自己的二人世界?按照小徐的设想,两个人于近几年内完婚,可钱是个大问题。上个月,小徐姥爷去世时给每个小辈留下了5万元,父母准备给他添25万元,并用这30万元作首付帮他先买套小点的房子,并看中了一个小户型,40平方米,15000元/平方米。按照父母的想法,这30万元必须专款专用。可是有个朋友对小徐说,现在深圳房价依然太高,以后肯定还要回落,如果他不马上结婚,可以先用这笔钱的一部分来做投资。小徐犹豫不决了:他这种情况是先买房,还是先做投资呢?他应该如何改变目前“月光族”的境地呢? With the improvement of living standards, an array of products and bizarre places of consumption tempt the hearts of young people in the city and spawn many metropolitan “moonlight clans” (that is, before the monthly paycheck will be Spend the money in his pocket, or even owe a bunch of credit card debt groups). Overall, the proportion of only children in Moonlight family is very large. Their superior living conditions, their current career has not yet finalized, the future is not a strong sense of crisis, it will inevitably lack of savings and financial awareness. Xiao Xu, 24 years old this year. 2005 college graduates, majoring in e-commerce is now being renewed, graduated early next year. Xiao Xu worked in a Shenzhen office equipment company, salesman and maintenance copier. After the deduction of wages and insurance each month a four-insurance (CPF he paid 350 yuan a month), accounted for 3,500 yuan. Quarterly bonus of about 2,000 yuan. Xiao Xu’s home in Shenzhen, and his parents live together. After getting a bachelor’s degree next year, intend to switch jobs, salary should be higher than the current 2,000 yuan. From work to the present, Xiao Xu basically no savings. Looked at his own bank account of the money pitiful, but many of my classmates have cars around the house, it is envy. Xiao Xu himself analyzed: he should be a true Moonlight family, monthly wages are spent clean, and often do not know where to spend he also tried accounting, but all halfway. In a nutshell, Xiaowu meal and entertainment accounted for the bulk of each month, about 2,000 yuan, about 500 yuan to buy clothes, give their parents 500 yuan a month living expenses, there is basically no surplus. Moreover, the food and entertainment that make up the bulk of his expenditure is the last thing he wants to cut because he feels it will degrade his quality of life. However, Xiao Xu is also very worried. He had a girlfriend talked about two years, if this has been the case, when can save enough money to marry her into the door? When to buy a house, to create their own two-person world? According to Xiao Xu’s vision, the two near A few years married, money is a big problem. Last month, when Xu Xu grandfather passed away, he left every junior 50,000 yuan. His parents were going to give him 250,000 yuan and used the 300,000 yuan as a down payment to help him buy a small house and fancy A small apartment, 40 square meters, 15,000 yuan / square meter. According to the parents’ idea, this 300,000 yuan must be earmarked. However, a friend told Xiao Xu that prices in Shenzhen are still too high and will certainly fall back later. If he does not get married immediately, he may first invest part of the money. Xiao Xu hesitated: his situation is to buy a house first, or do first invest it? How should he change the current “Moonlight” situation?