月光族需要学会控制开销，避免不必要的消费。
八零后的月光族应该如何理财呢？[{'character': '八', 'pinyin': 'ba1', 'highest pitch': 11.71, 'lowest pitch': 10.97, 'duration': 0.18, 'prosody hierarchy': 'null'}, {'character': '零', 'pinyin': 'ling2', 'highest pitch': 11.67, 'lowest pitch': 9.42, 'duration': 0.21, 'prosody hierarchy': '#1'}, {'character': '后', 'pinyin': 'hou4', 'highest pitch': 10.59, 'lowest pitch': 7.94, 'duration': 0.19, 'prosody hierarchy': 'null'}, {'character': '的', 'pinyin': 'de5', 'highest pitch': 8.49, 'lowest pitch': 7.81, 'duration': 0.12, 'prosody hierarchy': '#1'}, {'character': '月', 'pinyin': 've4', 'highest pitch': 8.74, 'lowest pitch': 7.81, 'duration': 0.17, 'prosody hierarchy': 'null'}, {'character': '光', 'pinyin': 'guang1', 'highest pitch': 9.76, 'lowest pitch': 8.87, 'duration': 0.24, 'prosody hierarchy': 'null'}, {'character': '族', 'pinyin': 'zu2', 'highest pitch': 12.53, 'lowest pitch': 6.27, 'duration': 0.3, 'prosody hierarchy': '#2'}, {'pinyin': 'sp1', 'highest pitch': 0.0, 'lowest pitch': 0.0, 'duration': 0.08}, {'character': '应', 'pinyin': 'ing1', 'highest pitch': 8.07, 'lowest pitch': 7.93, 'duration': 0.21, 'prosody hierarchy': 'null'}, {'character': '该', 'pinyin': 'gai1', 'highest pitch': 8.92, 'lowest pitch': 7.95, 'duration': 0.22, 'prosody hierarchy': '#1'}, {'character': '如', 'pinyin': 'ru2', 'highest pitch': 11.04, 'lowest pitch': 7.28, 'duration': 0.2, 'prosody hierarchy': 'null'}, {'character': '何', 'pinyin': 'he2', 'highest pitch': 10.99, 'lowest pitch': 7.89, 'duration': 0.19, 'prosody hierarchy': '#1'}, {'character': '理', 'pinyin': 'li3', 'highest pitch': 7.89, 'lowest pitch': 5.93, 'duration': 0.16, 'prosody hierarchy': 'null'}, {'character': '财', 'pinyin': 'cai2', 'highest pitch': 7.07, 'lowest pitch': 5.62, 'duration': 0.24, 'prosody hierarchy': 'null'}, {'character': '呢', 'pinyin': 'ne5', 'highest pitch': 7.68, 'lowest pitch': 5.62, 'duration': 0.31, 'prosody hierarchy': '#4'}]