Economic Wisdom to Apply in Your Twenties

Chapter 27

Chapter 3, Section 8 Spend a small amount of money to do big things, love "hard work" to save money
During the financial crisis, on the well-known Pinke website "Shanghai Pinke.com", a netizen named "Wopin" put forward the slogan "Pinke learning". The "consultant" training is good. Three colleagues and I have signed up. If you add some people, you can get a 1000% discount. You can save nearly 9150 yuan, which is really a bargain.Other institutions in Shanghai such as Durham and China Normal University require 8000, and ours is about [-].Interested friends, let’s save money and learn together...

Under the wave of the financial crisis in 2008, the urban spelling group with the purpose of saving money and thrift has become more and more vigorous, and many dazzling and pervasive spellings have been derived.On all kinds of websites, there are many kinds of posts asking for friends, such as housing, play, shopping, school, pets, friends, marriage, birthday, and career.

The so-called "fighting" here does not mean desperately, stabbing, scrambling, fighting, fighting, or desperately, but putting together and putting together.Pinker refers to a group of people who have never met each other through the Internet to spontaneously organize for a certain event or behavior.Such as travel, shopping.Therefore, Pingke refers to a group of people who gather together to complete one thing or activity and implement the AA system of consumption.In this way, you can share costs, share benefits, enjoy the fun and make friends from it.
In short, the purpose of Pinkers is: unite more people, spend less money, consume less energy, accomplish what you want to do, and enjoy a better life.The more and more popular "pinker" family has become a fashion, a trend, a concept, and an attitude to life.And the objects that the pinchers fight for are even more diverse - carpooling, room sharing, card sharing, shopping shopping, sports competitions, travel and so on.

1. Shared housing: It is to find someone to share a room.Many young people who have just started working and do not have a high income post on the Pinke website, looking for "house sharing" partners to share the rent and save money.Sharing room costs, sharing comfort, spending less and living better has become a rational choice for many young people working hard in big cities.

2. Carpooling: Several people with the same or similar starting point and destination take a ride together, and the fare is shared equally or the taxi fare is allocated proportionally according to the distance.You can also take a private car, and the cost will be negotiated between the rider and the owner.Carpooling for commuting to and from work on weekdays, carpooling for weekend outings, carpooling for returning home during long holidays, carpooling for business trips... convenient and cost-effective carpooling has become the fourth way of riding in cities. It’s too expensive, and it’s too far to buy a car, so it’s better to carpool with neighbors; it’s hard to buy a car, and it’s too tiring to squeeze the bus, so it’s better to carpool with your neighbors.

3. Study together: study together for postgraduate entrance examinations, learn English, attend training classes, etc., share learning materials and exchange learning experiences with each other, which not only saves money, but also avoids the boring of studying alone.Urban white-collar workers need continuous training and recharging, and the profiteering training institutions charge thousands of dollars at every turn. Therefore, more and more people who take the postgraduate entrance examination for postgraduate entrance examinations have joined the ranks of struggling to learn.
4. Meal sharing: I don’t like to eat work meals when I go to work. It is very cost-effective to find a few people to go to the restaurant to pack meals together.Migrant workers who are away from home are very lonely during the holidays. They find a few friends to share a meal, pay a share, and eat various special dishes.Pinwang introduced the combined meal section like this: eat a roasted whole lamb, you only need to pay for a leg of lamb!
5. Combining cards: Modern urbanites don't have a few cards in their pockets. Shopping cards, swimming cards, fitness cards, and beauty and body cards are everything.These cards generally have a period of use, and it is difficult for one person to use up the number of uses within the specified period. Therefore, a family of card-sharing cards that multiple people share a card has emerged.Card pooling means that two or more people jointly apply for a card and share a card, or different VIP cards can be borrowed from each other, helping others and earning points, so as to maximize the value of the card.
6. Combining books: Which desk bookcase of a successful person does not have several sets of Harvard business administration textbooks?Which urban white-collar family doesn't have a bunch of fashion magazines?The latest albums are coming out endlessly, and there are too many books and magazines that I want to buy, but I can't buy them all.With like-minded partners, everyone buys one and reads it in turn. It costs one magazine to read more than two magazines, which saves money and enriches the conversation.Everyone has read the content, have a common topic, and have a deeper understanding after in-depth exchanges.

"There is nothing you can't think of, nothing you can't 'fight'" and "Love's 'fighting' will win" has become the life philosophy of many urban youths today.Financial experts pointed out that "Pingke consumption" is a rational attitude towards real life, a win-win way of life, a manifestation of people's consumption concepts and behaviors becoming mature, and a frugal and environmentally friendly way of life.

At the same time, experts also suggest that in order to achieve pin-up consumption, you need to find people who are similar to your own income level, expenditure situation and lifestyle, and then find people who have the same needs and the same purpose as you.It is not always possible to find such a suitable candidate in a person's actual life circle. The emergence of Pinke Club and Pinke.com has enabled the sharing of Pinke information resources. You only need to publish your Pinke needs on these information platforms, and it is very easy. We will get a response soon, and realize the consumption of customers.

Some lawyers also put forward some suggestions for Pinke: When spending Pinke with strangers, it is necessary to understand the identity and background of the other party.In addition, sign a written agreement in advance, write clearly the terms of the fee, don't try to make things easier, don't talk about anything, and regret it when a dispute arises.When "jointly shopping" in a shopping mall, try to "jointly buy" with people with comparable purchasing power. If you are "jointly shopping" with strangers, someone needs to "supervise the whole process". 
Wisdom Pieces: Pinker and AA System

The term corresponding to "Pinke" in foreign countries is Algebraic Average (literally translated as "Algebraic Average", abbreviated as AA). The AA system advocates frugality and contains the unique spiritual culture of the West, that is, paying for oneself. The AA system helps people cultivate a subconscious sense of responsibility and an independent sense of life.

The AA system cannot be completely equated with Pinke.The traditional AA system mostly occurs between people you know, such as classmates, friends, and colleagues.However, pooling is often about splitting costs between people you don't know.In addition, the AA system is a simple sharing of expenses, while Pinke puts more emphasis on emotional communication. It is based on a fair and simple economic relationship, and everyone can easily establish friendship.

Pingke is not only a shrewd way of managing money for modern people, but also a new way of making friends.Or it can be summed up like this: the AA system is just a consumption concept, while Pinker has become a way of life.

(End of this chapter)