The most direct and terrible consequence of this impulse consumption beyond one's ability is the inability to repay. From June 20 19 to February 2020, Ms. Li, a 40-year-old citizen, purchased more than 700 fitness classes from a private fitness website with a total value of more than 600,000 yuan. But as a working class, Ms. Li's monthly salary is only 8,000 yuan. This huge expenditure is mainly composed of loans and credit card overdrafts. Now Ms. Li always has to pay back 30 thousand to 40 thousand loans every month.

1. Impulse consumption Impulse consumption mainly refers to consumers being stimulated or influenced by external things, and impulse consumption is entirely a whim. Under the influence of this psychological effect, consumers often ignore the judgment of the value of the goods themselves and the choice of trademarks. Moreover, Ms. Li's behavior has little help to improve the quality of life. Even if you really lose weight or get in shape and take good care of it, the cost is far from what you can afford.

Second, the consequences of spending more than she can afford. Ms. Li, with a monthly salary of 8,000 yuan, got more than 600,000 yuan to buy private education courses by overdrawing her credit card and borrowing from the lending platform. This behavior is beyond her endurance. Moreover, the problem of repayment ability was not considered at all when purchasing the course. Even if there is no risk, the repayment pressure of 30,000 to 40,000 yuan per month is very great, not to mention the inability to repay the loan once there is any trouble. The original harmonious and happy family is likely to be fragmented, and it is also possible to go to the abyss of perdition.

This kind of consumption, which is far beyond one's ability, will not only bring any benefits to oneself, but also increase the pressure and troubles of life for oneself and his family several times. It may even be that the original harmonious and happy family is fragmented and heading for the abyss of untrustworthy people.