You are only in debt of more than 300 thousand, which is not a big amount. I believe there are many people who work as hard as you, even harder than you, especially in the past 90 years. According to statistics, everyone owes 30,000 yuan after 90. As you can imagine from this data, there are many people who owe tens of thousands, hundreds of thousands and millions.
Now it's different from before. Social loans can only be borrowed from banks. Now with the continuous growth of financial institutions, with the continuous rise of online banking, there are private lending, private lending and other ways to obtain loans. There are many places where you can borrow tens of thousands of dollars with only one ID card. Loans seem to be addictive, and the more you borrow, the bigger you get. In the end, if you can't make up the loophole, you can only be blacklisted and give you a loan for the rest of your life. There are also many people who are forced.
Take the bank credit card as an example. You only need an ID card to open a credit card in the bank. The credit card limit is 30,000 yuan or 5,000 yuan. However, in order to increase the credit card limit, some people open several banks' credit cards at the same time, which is called raising cards.
In other words, cash this credit card and return it to another credit card, so the credit card quota has increased rapidly. When each credit card is raised to 6,543,800 yuan or 200,000 yuan, just some things are in urgent need of funds, so we have to swipe our cards or cash out for emergencies. As a result, I swiped several credit cards for emergency, and then things were handled. The credit card repayment was still overdue and useless. How to repay hundreds of thousands of millions of repayments? Life is irreversible. I believe that many people have led themselves to a dead end from this road. This group is mainly concentrated in the post-1990 s. They have been blacklisted for a lifetime, with hundreds of thousands of debts, and it is difficult to turn over.
Let's analyze your situation again You owe more than 300 thousand, which is almost overdue I suggest you never expire. Once overdue, you will have a bad credit record, which will have a hard impact on your future credit. In view of your situation, I would like to give you the following suggestions:
(1) Seek help from family or relatives. First, borrow more than 300,000 yuan from family, relatives and friends, and pay off the arrears to make up for the expected loopholes.
(2) Use your skills and wisdom to make money, find a well-paid job, work with peace of mind, and slowly pay back the money of your family or relatives and friends.
(3) If you have a house and a car under your name, you can take a mortgage loan and then pay back the debt. At the very least, you must ensure that it is not overdue and cannot be blacklisted.
(4) If you have other better ways, you can think of other ways to solve your overdue debts, so not appearing is the best way.
According to your question, this paper analyzes the current phenomenon of social loans and gives you some suggestions. In a word, I suggest you do everything possible not to overdue your debts, otherwise you will have a bad credit record and interest will roll, which will get bigger and bigger in the future and you will have to pay it back sooner or later. It is not recommended that some people be blacklisted in this life and will regret it later.
I'm 85 years old and now I'm in debt of more than 450 thousand. I don't take drugs, go whoring, smoke or drink. I used to work in an internet cafe to maintain this piece. /kloc-in 0/3, I started an Internet cafe in partnership with my friends and made some money. Later, I expanded the scale. I invested in 7 Internet cafes. At that time, earning 50 thousand or 60 thousand a month was still beautiful. /kloc-in September of 0/5, the state liberalized the access restrictions of Internet cafes, and local tyrants saved money to open Internet cafes. There are about ten companies that can get licenses in a district of Changsha, and their Internet cafe business is gradually declining. In addition, a company that invested in other places suffered heavy losses because of the fire problem, and all its Internet cafes were transferred one after another. 17 years, digital currency just got angry and smashed about 400,000 mining machines, which really made money. Because/kloc-0 was hospitalized at the beginning of August, he was infected with Klebel in the hospital and stayed for one month. During this period, the price in digital currency plummeted, and I didn't throw it away. I thought about building a mine for others to trust, but I didn't talk about finding some power stations. Fortunately, I didn't make it. At the end of 18, I continued to plummet and everyone was at a loss. 65438+In 2009, I borrowed money to open a fruit shop, which made matters worse. I'm from a network technology background, so I'm totally unfit to keep a shop, and my business fluctuates between breakeven and loss. Among them, the money on hand was exhausted by loans, mine electricity fees and custody fees. Looking back, it was a shame. I'm in a terrible mood now I really feel that I must emphasize my life and my luck. When luck comes, I am proud of everything. What I did was wrong, and a series of mistakes continue. ...
I think there are too many people with debts of more than 300,000, and even many people with debts of more than 3 million. Moreover, more than 300,000 debts are due and will be overdue, which is probably a bit tragic. Of course, there are not a few overdue. At the end of 20 18, the credit card arrears exceeded 80 billion. In this way, there are always people who don't pay back their debts.
Current liabilities are related to Dachuan Real Estate. Some of our families rushed in two years ago, desperate to take over at a low level and not let their assets shrink. Today, they seem stunned. I think more and more people will repay their mortgages at one time, nearly 20 thousand or more every month. This is unthinkable in China. I wrote this sentence early last year. But many of us were still in high spirits at that time. For them, it's just five words from the sky: nothing. The place where the mortgage can't stand the toss is time. After 20 years, it is still very difficult for many families to settle down stably. People may get sick, their careers may have an impact, and their families may have changes. Anything can happen in 20 years.
What's more, take out the down payment first and get the house in first. As a result, there is a credit loan that is difficult to turn around. A little carelessness may be overdue. For example, it is very likely that consumer credit will be used as a down payment. Start the monthly payment again, and the down payment there is still hanging in the loan column. This kind of housing consumption is impulsive and unguarded, putting a family on the edge of a cliff.
I think it is always incredible that a person's consumption will cause more than 300 thousand debts. But some people will borrow usury, such as campus loans, or other forms of beheading loans. It is common to borrow 65438+20 thousand, and it won't be long before the total principal and interest is 300 thousand. If that's the case. what can I say? It's refreshing to borrow for a while, but it's fatal to pay off debts. Zhou Yu hits Huang Gai. Illegal and difficult to break free.
As mentioned above, I want to say, brother, you are not the individual who borrows the most, but when it starts to be overdue, life will turn around.
15 years also lost more than 400,000. There is no goal, there are old and small! I understand how you feel now! At that time, I really didn't know how to return it!
Wife, stay with me and start over! At 4 o'clock every morning, I pull a cart of 2 yuan goods to occupy a booth in the urban area 12 kilometers away, go home to cook chicken and roast duck at noon, and go to the market to sell hand-torn chicken and roast duck in the afternoon! Delivery at night! It's hard but full!
Later, like opening a chicken chops shop, it was too expensive for Zheng Xin chicken chops to join, so I went to his shop to work and learn skills, and bought chicken chops from the same generation factory online. When the products were single, I learned milk tea and barbecue, and expanded the store operation! Do all the decorations yourself! Buy 2 hands for all equipment, haha!
At that time, we delivered food free of delivery fee and added WeChat. Later, the two Wechat added nearly 10,000 people and also served as WeChat business!
At the end of last year, WeChat changed its main business to make slimming clothes and bras, and the second floor of the store was changed to an experience hall, so that trusted customers can lay a solid foundation!
Now the store basically employs three young ladies, and I am beginning to have a little leisure, only to find that I have become thin and black in recent years! We are all handsome and beautiful young people, but our wives haven't changed much. Ha ha!
Last month, I just brought a low-priced lexus es to pay the mortgage, and I'm going to have my third child!
When you are down and out, you should work harder and encourage each other.
Before you find a shortcut, start with hard work! In our efforts, there are often opportunities for salted fish to turn over!
/kloc-I lived in Harbin in October, 1988, and now I open a noodle restaurant with my friends. Now my monthly income is about 7,000 yuan. Three years ago, I ran away from a financial management company that invested foolishly, and my savings+credit card+online loan reached 500,000 in Shui Piao, so my girlfriend broke up, and then I started a vicious circle of reverse credit card and online loan. However, I still owe more than 200,000 credit cards and 200,000 online loans. Because the control of credit cards and online loans is getting stricter, the interest is getting higher and higher, and the store rent is about to be paid. I feel hopeless now. The car was sold before to pay off the debt, and now there is only one loan house left, because I can't let my parents know that I can't sell it yet. Because the risk control is getting stricter and stricter, banks can only be individuals, and the interest rate around 4: 5 is too high to afford. Now I just want to get some money to settle all the store rents and online loans.
Sophomore, with a loan of 80 thousand, I am always worried that I can't find a school or home for online loans. Seriously, I regret it. If ten entrepreneurs fail in nine cases out of ten, how can a genius earn a million dollars as soon as he graduates?
I really envy you people who can owe tens of millions, because you are all capable people. Ordinary people simply can't borrow so much money.
/kloc-I lost tens of thousands of gambling in the World Cup in 0/8, but I am not reconciled. I took tens of thousands from Alipay, won it back at first, and even made a small sum. But I was too greedy to accept it, so I won the money slowly and steadily for three days, and I ended up with tens of thousands of debts in one night. That night gamblers called around to borrow money, which was very serious.
At that time, my heart was frantic to death, and there was only one thought in my mind, how to win it back. So, I don't know what I was thinking. I was so angry that I went to the online loan, Gitzo, patted the loan, had money to spend, borrowed several anti-aircraft guns, and collected more than 50 thousand, ready to have a big one, a stud! As you can imagine, I lost again.
I don't know how I survived that night. My heart is always hairy and my hands are shaking. I've been thinking, how could I lose? How could I lose? Obviously, there is a lure in the water level of the handicap, and Croatia will definitely win! How could you lose!
But if I lose, I lose. Then I faced a debt of nearly100000 yuan. My salary is 7500 yuan per month. If I don't eat or drink, I can't afford it for a year. Besides, I still have one year to pay off my car loan. At that time, despair and fear tortured me deeply. I have insomnia, mania and can't eat every day! I should never regret it in my heart, and I dare not let my family know, because if my family knew, especially my dad, it would be strange if he didn't break my leg with his character!
I won't say the rest. Anyway, I'm still alive, otherwise I wouldn't answer your question like a person who has been there before. I just hope your debt is different from mine!
You are a little, but I have too much experience. 10 was forced to resign from the state-owned enterprise and started my point of no return.
After I left the state-owned enterprise, I thought I was smart and sure to make money, and when I was in the state-owned enterprise, I was in high spirits and wanted to do business and make big money. Alas, the reality is cruel. It's not as simple as I thought.
1 1, contact with foreign exchange. I had a yearning for finance before, so I fell in love with foreign exchange trading. I was also fascinated by those so-called big coffees. I thought I could become a qualified trader through study and practice. It's ridiculous to think about it now. Needless to say, we all know what the ending is. We have invested hundreds of thousands of dollars and lost it all. Later, we finally understood that in fact, the basic price of foreign exchange transactions in China is gambling, which is actually the so-called black platform. I was unwilling to lose myself, so I started a platform with several people, including a leading brother, and I also wanted to profit from it and recover the losses. Who would have thought that the eldest brother had a problem and cheated us of our money again? I'm speechless. He played a trader himself, manipulated through the Mt4 platform, won our own money, and we fools went to find money. At that time, I was really a gambler. I lost my mind and went to swipe my credit card and get a loan. Alas. I also have friends who do this. Everyone makes money, but I lose money. Finally, I realized that there was something fishy in it, and I couldn't do anything anymore. Eldest brother found it and admitted it, but when he rented it, he had no money, no car and no house under his name, and tricked us into paying off all his debts. I feel unlucky, so I have to sign a debt agreement and agree to pay it back slowly.
I have to live after the defeat. Unwilling to do international trade with a foreign friend, I invested 65438+ million, and I lost all my money. It's really a bit of a burden to take home. During the period, I also paid money to make clothes and invest in projects with people. At that time, I wondered if I was a big fool. I am hopeless, so I can't find a reliable person. Debt, responsible for nearly a million, listless every day.
To tell the truth, it was really difficult during that time. Later, I was also rethinking and making a comeback. Why is this happening? Why am I always unlucky? There must be a reason. God won't always treat himself like this. There must be something wrong with me. /kloc-at the end of 0/2, I was exposed to insurance. Of course, insurance is also a very important part of finance. I am constantly learning and re-listing. Insurance is indeed one of the safest tools in the whole financial system. Since then, I have been insisting in this industry. During this period, my good brother and girlfriend have always given me comfort and encouragement, telling me not to be scared by these difficulties. As long as people are alive, there is hope for a comeback. The so-called true feelings can only be reflected in difficulties.
Over the past few years, through continuous efforts, I have gradually paid off my debts and have my own family and children. Better every day. I gradually got a look at my career and got everyone's recognition in one field. Now I focus on overseas asset allocation and risk management, and help customers do the best asset management with objective, neutral and professional knowledge.
Therefore, my conclusion is that everyone is down and out and everyone is unhappy. We must keep a correct attitude, don't give up on ourselves, constantly reflect and find out the problem. Don't think too much, do well every day. When you do something, you should concentrate on doing it well. We must be self-disciplined, keep exercising, and keep studying. With good health, there can be a steady stream of cash flow. There are daily goals, weekly goals, monthly goals, and finally the ultimate goal, which are achieved step by step. There is really no shortcut in this world, and risks and benefits are always in direct proportion. There will be no pie in the sky. In the last sentence, things are really easy. It's really difficult to recruit a reliable person. If you find it, you should cherish it. I hope we can all be reliable people.
My friend Hui works as hard as you. Now he has to fill all kinds of holes and hold down the gourd to get up and scoop, and it has been burned all day.
Hui is in his early thirties, tall and straight, and handsome. He works in a state-owned enterprise and is not married. His expenses alone are not big, and he can save hundreds of thousands every year. He has a car instead of walking and a house, and his life is quite moist.
16 years, a brand of chicken chops was very popular, and friends pulled him to do it together. They opened a partnership in Foshan, and their business was good at first, earning 10 thousand yuan a month. So he felt the opportunity came and wanted to earn more money to marry his wife, so he opened two stores in Shunde and Guangzhou. His class took photos and went to the store to help in the evening.
However, this brand of chicken chops is relatively simple, and handsome guys and beautiful women rarely taste it and come to the door. I ate too much chicken chops, but I lost my appetite when I saw them later. The business in his shop has been going on for quite some time, and the turnover has gradually decreased, and every store has started to lose money. In this way, his salary can't hold up, and he can turn if he wants. Now both companies have moved out, leaving only one in Guangzhou. The rent was too expensive and no one took over.
It is a loss to make chicken chops. Hui and his friends want to do something else to make up for the loss. /kloc-In the winter of 0/7, they sold cashmere coats in Guangzhou New Town. This dress is too expensive, and migrant workers buy less. Besides, Guangzhou is so hot that beautiful women want to wear short skirts every day. It's good to sell two or three cashmere coats a day, and I spend most of my time beating eggs. I didn't sell it before the Chinese New Year, so expensive clothes almost turned into garbage. So more than 300,000 people came to Shui Piao again.
Before opening the store, Hui didn't have a credit card at all. Now his various credit cards add up to hundreds of thousands, all of which are empty. There is also the universal fund of Shanghai Pudong Development Bank and the loan of Industrial Bank, which is almost 20,000 yuan per month. The most troublesome thing is that the chicken chops shop in Guangzhou cannot be transferred, and the monthly turnover is not enough to pay the rent, which makes him exhausted.
Now that I think about it, if Ah Hui doesn't open a shop, he can get more than 100,000 yuan at any time, and now he is still burdened with various debts. The most important thing is a bottomless pit, he can't get out.
Now Hui just wants to transfer the store, go to work well and never open a store again.