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Chinese money habits - how my culture influences my attitude towards money.
I moved to the US when I was a child of Yangzhou, China After sixteen years, I could easily pass for an American because I speak English without an accent, and I am well versed with popular culture However, if ever you examined my attitudes toward money, you will see that I am undeniably Chinese Here are some of the principles I grew up.
1 Being frugal is a virtue - being frugal has not started Communist propaganda In fact, it is a concept that has been taught for thousands of years the Chinese classic text Tao Te Ching says that the three greatest treasures, we can have are love, frugality, frugality and generosity is really an integral part of Chinese culture.
2 Except as much as possible - The personal saving rate in China is incredibly high compared to the US According to this CNN 2006 article the personal savings rate of Chinese households is 30 while Americans dipped into their savings this year, I know my Chinese parents regularly save 50 to 60 of their income and it seems fitting that I save as much as them.
3 Pay for things in cash - credit cards are still rare in China and most people pay for everything in cash What really impressed me is that many ordinary Chinese people were able to pay cash for their homes when government allowed home ownership recently, the houses are not cheap, and it's amazing teachers and factory workers retire savings equivalent to ten to twenty times their regular wage Chinese people are wary debt, and I think that's a good thing.
4 It always takes a good deal - In China, bargaining is a way of life if you ever visit China, you must apply at least 50 to 75 off in stores this situation has changed in recent times as the top stores range pass without bargaining model, however, allowed you still find many suppliers willing to negotiate, I think in America that particular market seeking behavior won the Chinese stingy stereotype.
5 Your salary is not a secret - if you ask a Chinese in China how much money he made, chances are that person will tell you discuss income is not always a matter of bragging, because everyone is rich most of the time I see the Chinese are as a means of getting to know another person when you talk to people and know their income, they tell you more about the way they live is not a rough or bad thing in my culture to talk about money, and sometimes good comes out for example, my father helped his friend secure an increase 20 after discovering the man's salary.
6 Cash donations are the best - Each New Year or birthday, Chinese children generally get cash donations they end up saving This seems pretty sad, but I remember being very happy to visit all the relatives and receive red envelopes with money in red envelopes are the standard gift for any celebration, and they are considered the best gifts because the recipient can do anything with money in America, it seems that money is a less common gift because it is considered less thoughtful place, money is converted into gift cards or unnecessary trinkets that are probably less appreciated by the recipient.
China has changed dramatically in the sixteen years I am in America, but many of these money habits remain, I know that the great influx of wealth in China is changing things, but I ' hope the country as a whole still advocates saving for the future more negative attitude toward money that I see in China is greed, but I do not think it's only Chinese do you have any habits cultural specific money.
We are Jews, and most of our family give money as gifts for the holidays, sometimes we also get gift cards in stores that we frequent Trader Joe's is popular worldwide needs food for our wedding we got most of the money donations came to the shower.
I do not like the idea of sharing wages Even our parents and siblings do not know our exact salaries It is nobody's business, really occasionally, we share this information with friends who might be in the same field as us, because it is relevant, especially for companies that have little to set salary levels, it is always nice to know what to expect in terms of salary if you change companies.
For me, the sharing of wages and invites opinions or expectations, especially as we like to save and many others like to spend How many times have you heard someone gripe about feeling that someone is stingy on a gift or just doesn t like to spend their money the other day I was reading an advice column with a sister wife complain about the generosity of her was with his nephew, but his older sister giving little gifts expensive, even if the big sister family is far away so maybe the good sister feels is more important to save, but it's considered not to give expensive gifts, because the other sister considers him able to pay so little sis did not know the salary of big sister, she might assume that s located all major could afford and maybe even adjust itself accordingly to the right.
Colleagues My husband used to call money moldy because it wasn t usually eat lunch unless it was a birthday or a special occasion and he drove a car 7 years one of the highest high atually comments, we pay you enough Why do not you get a new car, although his car only broke down once while working there and he reliably return transport my car so it didn not interfere with his job duties.
It is perhaps a reminder sobering as ethnic minorities that are rated the richest in American capitalist society are Judeo, Japanese, Polish, Chinese-, Indian- and Italian-Americans in this order Look around expensive districts and private clubs, or best academic institutions All my interactions with these subcultures identify the above habits, and Jews in a more disciplined this item are habits worldwide towards money that made the target of ridicule, and even persecution, but the accumulation of individual wealth when not hampered by a corrupt and repressive system.
HEALTH Borderline CONVERSATIONS OBSESSIVE MONEY ON FAMILY GATHERINGS tightened Many American subcultures find these crass children but as young people, we are often told to earn pocket money rather than accept allocations, made it clear long-term investments and pay-offs education in a profession, training, business management, to discuss the property and real estate, and led to compete with each other Sometimes it could be funny, like Chinese hoard these small packets of ketchup or towels in the drawer full, but carefully choose a unique status great symbol ticket as a McMansion, haggled with course by college wisdom, I found that compared to most peers, my Chinese-American friends were more sophisticated in understanding the tax breaks, franchises, insurance benefits, reconditioned, and value -aj out concept, even if they were studying to be professional and non-market it is not cool, but there you have it.
SWAP WITH FRIENDS, the selling OVER SOMEONE YOU DON know I had a neighbor whose parents indulged her every new toy, if we had the same thing my parents told us to invite and often on share his toy another neighbor snacks lavished all sorts My parents made us fruit trees to plant and eat and then sell the extra fruit to neighbors when we went to their friends at home, we children had to help washing their cars, weed the garden, clean their house for free and children helped to paint the fence, walking the dog, etc. with close friends, we exchanged games, shared carpools and books swapped for reduce costs with strangers, we sold what they wanted sold sandwiches to school, sold ice pops, recycled bottles sold twenty years it took me to realize that In fact, our house was the most expensive on the block and my parents were well off, it certainly didn t Feel Like.
NEVER overburden CIRCLE OF TRUST, REAL MONEY just outside Chinese modesty does not allow children to simply accept money from a family member without much protest, the insistence that we do not deserve, and an offer to come and go or pay back the generosity of a promise wisely put that money to a real need for borrowed money must absolutely be returned, sometimes with the concept of interest if the lender friend family should be modest wave away such thought is the idea that lawful money earned no parents have friends, but the outside world it seems ethnocentric, but it seems that Chinese culture is quite open befriend those who have similar money habits noted Jewish, Indian, etc.
IT S MATH, MY FRIEND There is rarely a traditional Chinese family that emphasize academic success, including skills in science, engineering and mathematics Unlike Convention, Chinese subculture sees his mastery as product discipline and persistent efforts, not innate talent actually, besides a logical process sharpened, installation results with numbers in a culture that is more likely to fight against savings, complex tax collapses, investments financial, and ROI more adroitly than flunk-out mathematics who never liked hard, real data to start.
I suppose it is not surprising to find a disproportionate number of friends we deftly sharing the same values my admission because of this blog, my best friends are Jewish-Russian, Jewish, Mexican, Chinese, Japanese, Indian, Polish - American he just had this way.
PS today the salary is not however as a topic of conversation in the most capitalist areas of China, such as the wealth gap becomes more evident that the information causes resentment or envy word moves well Within his own family, it becomes a reference point and marker of the competition.
I live in a multicultural district, and work in a diverse office My immediate neighbors and those I have the closest relationships are Chinese immigrants and Chinese-Americans, I noticed that they work hard, save money, and get through the living below their means I give their children and grandchildren red envelopes for ginger and egg parts, birthdays and Chinese New year for against colleagues Chinese recent immigrants we are all working in iT are making more money than my neighbors, and they spend the money more often than me and my neighbors I also noticed that they are very brand conscious, and will spend more money on an item on sale due to the label, for example, my closest colleague told me how she went to Macy's to buy breakfast for 3 Ralph Lauren shirts for 49 each send home his brother in China Another co-working has bought 700 dollars of makeup to give his brother-in-law of his trip to China The reason they gave for this fact is because the same products more expensive in China they buy these brands for themselves, too, and say that it is not considered good quality within a well-publicized name product many Mondays, they will talk about how they got such a good deal to an outlet or a department store, I'm sure they pay the bill every month, but for me that is ridiculous.
My husband is a small Caribbean island, and almost everything has to be on imports, and therefore the costs are higher than here in the States When we go there or send things, I visit the local tree dollar and spend about 300 liquid cleansers, lotions, toothpaste, shampoo, etc. household items that I get will last for at least a year to our many parents, and they don t care what brand it is as long as things works similar to Chinese culture, Caribbean people save a large part of their income and pay for most houses and cars with cash except for my teenage parents, I never received a request for a name brand item, and they turn their nose t products generic, or question the quality of an article.
Incidentally, the two colleagues I mentioned are my best friends at work, and they often tease me about my frugality Often they say I act very chinese, I am black with my money, and tell me that I should buy a point when we discuss my dilemma on some purchasing decisions my point is that many cultures instill frugality and good money management, but there are several factions within those cultures that are important forces driving in the consumerist economy.
This is a very interesting job, I'm an American and moved to Hong Kong for business there about 2 years One of the really interesting things you mentioned is the open discourse on your income and finances It ' is not true among the Indians, but I found it to be very true among Chinese and other east Asians at first I thought it was a bit rude, obviously in America, it is rude to ask someone what they do, or how much they paid for their home, or they have savings, etc. But I came to learn how much better it is here with people openly talk about these things in the States we don t talk about these things and personally we have the worst of Finance among developed countries in America 75 people live paycheck or very near that maybe if people talked more about their money, they d be more aware of being responsible with it is also true that you said that people speak here of money not to brag about this but really just about and discuss, perhaps offering advice same thing we could talk about our diets in America.
However, I think there is a major cultural change happens here also because Asia is becoming so rich the gap between the rich and everyone else is becoming bigger and consumerism is becoming a big thing people like to show off with the million dollar apartments and cars to six figures Especially here in Hong Kong and Singapore at the bottom, which has more millionaires per capita than anywhere else in the world.
I am from the Philippines where the Chinese are economically dominant and so today too often the subject of much envy and resentment.
Money Matters There's always fear of social repercussions or business or embarrassment to you or the other person to discuss money with non-family members It's considered a private matter.
Filipino ideals traits of hospitality, generosity, and work to live and enjoy the attitude often produce an environment that does not promote these habits.
Co-workers who rarely attend company parties or refuse to throw birthday bashes possibly win a stingy reputation and became the running joke when this opportunity come People who win a contest are cajoled to share part of the price and the people are promoted have joked giving a treat the people who work or would rather spend a lot of time alone would be considered as people who do not know how to relax, even worse, says you can not bring your wealth in the grave, etc. In the typical fashion of the Philippines, the appropriate response to these jokes, or attitudes, is the joke back parents and housewives are proud of their ability to provide the best for their children and be excellent hosts same time.
For me, no wonder many find that being a foreign worker is required for some for comfortable living here too social baggage and to maintain the status.
I hope at least some of these good habits as they rub off on the people here and reduce stereotypes of Chinese and Filipinos who don t fit the mold here.
Hey, my husband is actually Filipino You Because of the difference, although the Filipinos see money as a private matter and have many parts and giving many gifts to chance is encouraged, I'm not really used yet there because I've never had a family before I think that Filipinos are more westernized because of a heavy Spanish Catholic influence so they are a little different Chinese My parents are more spendy sorta my parents also, it is quite interesting, but we get along very well.
1 Piggy Bank Best Habit - Get used to at least 2 in everyday piggy bank If you are concerned about how to implement this habit rule of thumb is, repeat the action for 21 consecutive days and the result will be a habit 2 lend it as an expense Whenever you friends' parents need money, pay them and psychologically considered an expense Everyone will have a fixed monthly goal of saving x salary, when you paid and treated as a expense, you limit yourself on spending on non-urgent question an- luxury for term 3 month deposit Every time your friend returns your money deposited in a bank in the long term 4 C cash cash charges creates a greater awareness in the total expenditure and the type of spending will stir new savings ideas or maximum use of spending and avoid non essential expenses s.
Habits of Chinese money How my culture influences my attitude towards money, Chinese money, habits.