New townhomes oakville . Became a moonlight clan in Canada. The daily consumption is getting higher and higher, the pressure of Canadian workers is increasing day by day, and more and more people have joined the ranks of the Yueguang people. In the middle of this year, a survey said that more than 40% of the respondents belonged to the “moonlight family” and spent all their monthly salary, which is worrying.
In a general sense, Moonlight refers to a group of people who have used up and spent all their monthly income before the beginning of next month. At the same time, it is also used to describe people who do not make much money and earn only enough to maintain their basic monthly expenses. The “moonlight clan” is relative to savers who try to save some money. The moonlight clan also has its own slogan: how much you earn, how much you use, how much you eat and use up, and good health.
Moonlight is common in Canada, with more than 40 per cent of Canadians spending their salaries every month, according to an online survey of 4284 working people conducted by the Canadian pay Association (Canadian Payroll Association). At the same time, 43% of the respondents thought that if the salary was paid a week later, they would be “in trouble”, and 13% even thought that “the situation would be very difficult.”
In Canada, we tend to envy the lives of some successful people. They rely on their own efforts to drive a luxury car, live in a separate house, you will think that they live a carefree life, but do not realize that they are also “moonlight clan”.
Perhaps what you see is a monthly income of more than 10,000 yuan, but ignore the ultra-high proportion of income tax, ignore thousands of yuan a month in housing loans and car maintenance expenses, ignore children’s education and other expenses.
Liu Jun, a Chinese immigrant who lives in Richmond, told the reporter: “it goes without saying that car loans, housing loans, and children’s tuition fees are the three biggest household expenses in front of us.” Liu Jun is a self-employed person, his wife runs a small shop, and their annual income after tax is about 120000 yuan, which is already the standard middle-class income.
However, Liu County also sighed: “but even so, every month the light also gets light.” My wife and I own a small independent house. We bought it early that year. The loan amount is about 600000 yuan, and the monthly repayment is about 2800 yuan. The land rent is about 300 yuan every month. There are two cars in the family, one is the latest rental, and the monthly repayment is 897 yuan. The other one is about 525 yuan. The insurance premium for the two cars is about 500 yuan and the cost of gas is about 400 yuan. Children go to private schools with an annual tuition fee of about 20, 000 yuan, that is, 1666 yuan a month. In addition, the monthly Internet, mobile phone, electricity and gas bills at home are about 350 yuan. This is not counting the usual expenses of eating and shopping, which has already spent 7438 yuan. If you add in the cost of meals of about 1000 yuan, there will be little left. The expense of shopping has basically been regarded as an optional activity since the children went to school. Not to mention, I haven’t taken into account the cost of all kinds of tutoring for my children. “
Liu Jun often comforts himself that although he has spent all his money every month, the house loan is also a kind of savings in disguise, and the tuition fee is regarded as an investment in children. He also said that he and his wife are not a group with strong material desires, and they can basically save on daily expenses and avoid extravagance and waste. However, even so, the fixed monthly expenditure is bound to make them a moonlight clan. Of course, Liu Jun also admitted that some friends had suggested that they reduce their expenses by cutting car rental fees. He also admitted that he did spend a lot of money on cars, and it would be ideal if the rental fee for two cars was controlled at 500 yuan. As for the question of why he became a moonlight clan, Liu Jun simply responded: “in the final analysis, you earn too little!”
Ashley Li, 28, is currently an advertising planner for a company, earning about 40, 000 yuan a year after tax, which means she actually has a monthly salary of 3333 yuan.
She told reporters that she is mostly a moonlight clan, and compared with many people, she is lucky because her parents bought her an one-bedroom apartment, so she does not have to pay the mortgage and rent. But it spends at least 1200 yuan a month on car rental, insurance, land tax, housing insurance, as well as telephone and Internet charges. Of the remaining 2100 yuan, 700 yuan will be spent on meals. The remaining 1400 yuan will be used for shopping, travel or study.
“I think there are two kinds of moonlight,” Ashley said. One is the moonlight clan who do nothing, purely for enjoyment and happiness. The other is the purposeful Yueguang people, who discover more opportunities in order to socialize, learn, and meet better themselves. I think I belong to the latter. I am usually keen to travel, every time I get inspiration from travel, I will pay attention to the commerce and advertising of other cities, all of which have something to do with my work. At that time, I was a moonlight clan, but the advertising I planned in the company was always excellent. “
Ashley added that she still signs up for some investment courses with her extra money every month. “I have always thought that, when I was young, it was a good choice to invest money in brains and knowledge. Although it seems that I am also moonlight every month, but in fact, I am making progress. “
Jasper Yang, who graduated from Simon Fraser University at the beginning of the year, said that everyone has a different concept of consumption and that moonlight is just a result or a state of life. From his point of view, almost all the moonlight clans may have a strength to rely on. They either don’t need to support their parents, or they don’t have to pay mortgage or car loans, so they can spend as much as they want.
“maybe I’m in this state of life right now,” Jasper said. My current salary is 3000 yuan per month. The disposable salary after tax is about 2300 yuan. The rent is 850 yuan. There is no loan for the car, and the rest of the money is basically spent on shoes. If you want to buy shoes, you can buy shoes. If you want to have a big meal, you can have a big meal. Maybe, as I said, I don’t have any worries or pressure at this stage, so I can enjoy it. But I also warn myself that moonlight can but can not become a “moonowe clan”, absolutely can not be in debt to spend.