I bought it online at buy buy, and I opened Alipay to borrow money. I bought JD.COM IOUs and unconsciously became addicted to early consumption and excessive consumption.
Meet the needs of the present first, but what will happen in the future? How cool it is to be able to meet the needs of the moment!
Few people can remember the first time I bought a courier online. The first thing I bought online turned out to be fitness equipment, a simple horizontal bar, which can be installed indoors.
Funnily enough, although I will use Alipay and WeChat for online payment on my first online shopping, I still have some doubts about the reliability of online shopping.
As it was the first time to buy things online, I didn't ask anyone for advice, nor did I check it online. The next day, I confirmed the horizontal bar I bought on Taobao.
A week later, I didn't receive anything, so I called the courier and asked where my things were. It's been a week, and it doesn't matter.
As a result, on the third day, the courier put it in the pick-up cabinet of the rookie station, and only sent me a pick-up code without calling me.
What about me? I always thought I would call, so I've been waiting for the call.
It's the first time I bought a courier, and I still don't understand what to get the code and the rookie post office to get the cabinet.
I'm really addicted to this kind of purchase. As long as I see strange things on the online shopping platform, as long as the price is within my tolerance, I will buy them back. Even if you don't need it in life, you can't help but buy it.
Spending money online, needless to say, tens of dollars, even a few hundred dollars at a time, has a low impression, and it feels as if it is not money, but just a string of numbers.
What should I do if I spend a month's salary and want to buy something? I am overdrawn! We don't have any flowers. We need to borrow them.
In the years when I borrowed money, in most cases, I only borrowed money that I could pay off within the specified time. Even so, I don't want that kind of lent money, and I always want to pay it back as soon as my salary is paid. After paying back the money, I will tighten my belt again this month. Sometimes, even after paying back the money, you have to borrow a sum of money to maintain your basic life and eat.
The money I borrow or spend on flowers is often used to buy things that are not so necessary. The unit price of these optional items is not too expensive, but what if you buy a lot? The cumulative price is several hundred. Calculated, for an ordinary office worker, it is a big expense.
In first-tier cities, the cheapest house is not ideal in all aspects. The lowest rent is 600 yuan, and the utilities are probably around 650 yuan. Apart from some miscellaneous expenses in life, it is ideal to deposit a salary of 2000 yuan a month in a bank card.
But when I could have saved the two thousand quick money, I actually became a debtor. I will spend next month's salary in advance this month, and next month's salary will not be paid back until next month's salary.
Until one day, I read an article saying that a person is likely to be ruined by the small loans he is used to borrowing online. According to the analysis of this paper, although the interest rate of microfinance is very low, there are hidden traps. It seems that the interest rate for one month is quite low, but it will be horribly high in one year. Finally, the article suggests that if you have a small loan online, you'd better borrow some interest-free money from home and pay it off at one time.
After reading the article about Xiao Xi, I was really naive to borrow money from my second sister. As a result, I didn't borrow any money.
Now I have completely given up the habit of borrowing money for consumption online, and later I got into the bad habit of borrowing money for investment. If you think that the money you borrowed is for investment, not for consumption, then you can borrow it with peace of mind.
Borrowing money for investment is far more terrible than borrowing money for consumption. After all, borrowing money for consumption is borrowed bit by bit, and borrowing money for investment makes sense. It's nothing to invest a little money.
In the process of borrowing money to invest, I was lucky, thinking that the stocks I invested would keep rising and I would sell as much as I earned. But the black swan incident will always fly to you mercilessly after you are lucky a few times.
When I borrowed tens of thousands of yuan to invest, I met the black swan incident, and my investment plummeted, which was halved again. Although I also know that it is still possible to rise back in the end, it is inevitable to soar after the plunge. But I can't wait for the day when it flies back. My expectation is to pay back the money in cash next month.
Looking at the stock that keeps falling day by day, in order to change the borrowed money on time, I finally had to sell it at a loss and borrowed some from home to pay back the loan.
But soon after I sold it, the stock soared, and people who have made such one-sided investments should have a deep understanding. I felt so stupid at that time. I wish I had waited. But if we wait any longer and fall below the limit, we won't be able to sell it.
After experiencing the painful taste of borrowing money for consumption and investment, I won't like it too much now, even if I want to do something I seem to like again, as long as it's not within my ability. I don't have much capital when I meet stocks that seem to have good returns and may eventually have good returns. I won't buy or invest.
You always have to pay back the money you owe, unless you want to lose credit.