80後理財:年輕夫妻存儲90%收入引爭議

A COUPLE who spend only 11 percent of their monthly wages have become a hot Internet topic among young Chinese.

一對夫妻每月只花11％的工資在中國年輕人之間已經成爲了一個熱門的互聯網話題。

In an online post, Guo Hao said he and his wife, both in their 20s, save the majority of their income.

在網上的一個帖文中，郭昊說，他和他妻子，都是20多歲的，存下了他們大部分的收入。

"My wife and I earn 9,000 yuan (US$1,428) a month together. We only spend 1,000 yuan monthly and save about 90,000 yuan in a year," wrote Guo, living in Nanjing, capital of east China's Jiangsu Province.

“我和我妻子每月一共賺9000元的（US $1,428），我們每月只花1000元，一年內節餘約90,000元，”郭寫道，他生活在中國東部的江蘇省省會南京。

The post drew a huge response online and questions about how he managed it. Guo published a detailed report of his family expenses to show how.

關於他是如何做到的這一點，這個帖子在網上引發了巨大的反響和討論。郭發表了一份家庭開支的詳細報告來說明是怎樣做到的。

Guo, a state-owned enterprise employee, and his wife, a nurse, have lunch provided by their employers, buy discounted food when supermarkets are about to close and visit their parents' on weekends.

郭是一個國企員工，他的妻子是一名護士，他們中午在公司用餐，超市關門時去買打折食品，週末去他們父母家蹭飯。

They bought a small apartment with a loan covered by a government housing fund, meaning there is no extra expense. They live near work, which saves on transport costs, and buy clothes from street vendors and online shops.

他們買了一個小公寓，用政府住房公積金支付貸款，這意味着沒有任何額外的花銷。他們住在附近工作，從而節省了交通費用，並從街頭小販和網上小店那買衣服。

The Chinese are known for saving. However, driven by soaring rents and other living expenses, many young city-dwellers in China find it hard to save money. A nickname, "moonlight tribe," has been created for such people whose pockets are empty at the end of every month.

中國以節儉而衆所周知。然而，由於飛漲的租金及其他生活開支，許多年輕的中國城市居民發現很難存下錢。一個“月光族”的綽號已經爲那些月底時口袋裏空空如也的人創造。

Guo's saving strategy has been the source for discussion. At Sina Weibo alone there are more than 480,000 entries on the topic.

郭節儉戰略一直是討論的源頭。僅在新浪微博上就有超過48萬條的回覆。

Although many appreciated their lifestyle and have tried their ideas, some argued it is too extreme and comes at the cost of quality of life.

儘管許多人讚賞他們的生活方式，並嘗試了他們的點子，但仍有一些人認爲它過於極端，以生活質量爲代價。

"What's the point of making money, if you can not enjoy a better life?" wrote a microblogger named BeipiaoEzu. "It is so exhausting to plan every expense meticulously just to save some money."

“賺錢的意義是什麼，如果你不能享受更好的生活？”一個叫 BeipiaoEzu的微博用戶寫道， “這是如此地費盡心機去計劃每一筆支出，只是爲了省下一些錢。”

Xu Bin, 30, working at a state-owned enterprise in Beijing, told Xinhua that he spends about half of his 10,000 yuan monthly salary toward upkeep of three horses and goes riding almost every weekend.

許斌，30歲，在北京一家國有企業工作，他告訴新華社他花費萬元月薪的一半養着三匹馬，幾乎每個週末去騎馬。

Although his hobby leaves him short of money, Xu plans no change. "I am living a life I enjoy and don't want to sacrifice what I like for a number in a bank account," he said.

雖然他的愛好讓他缺錢，徐沒有改變計劃。 “我過着喜歡的生活，我不想爲了銀行帳戶裏的一個數字犧牲我的愛好，”他說。

Others also question whether it is appropriate to rely on parents so much. "Dinners at the parents' house every weekend?" said microblogger Heideshanliang. "It is a bit shameful for adults, who are supposed to support their parents, to still depend on them financially."

其他人也質疑依賴父母那麼多是否合適。 “每個週末在父母那吃飯？”“黑得閃亮”的微博用戶說。 “這對成年人來說有點羞愧，他們應該奉養他們的父母，但卻仍然在經濟上依賴父母。”