The phenomenon of "household debt" first appeared in some countries with developed financial systems. Many years earlier than China, they provided people with a variety of services with the nature of "loans", that is, they supported people to spend tomorrow's money to complete today's consumption. However, when this concept and way of consumption just entered China, it was already out of control.

As the concept of consumption in advance is becoming more and more popular in China, there are more and more households or individuals in debt in China in recent years. According to statistics, the household debt ratio in Beijing is as high as 122%, which has exceeded the household debt ratio of 115% in the United States in 23.

Now it's not just families. For many individuals, the concept of spending in advance has been deeply rooted in people's hearts. Even students at school are constantly trying to enjoy swiping their cards, but most people forget that this money should be paid back.

Murder, suicide and various criminal acts related to debt repayment have become a common occurrence in newspapers and television in some countries. In the summer of 23, a 34-year-old woman pushed her 3-year-old and 7-year-old daughters down from the 15th floor, and then she only held her 6-year-old son's hand and jumped. According to the police, the woman was a dishwasher and owed $25,, which she and her husband, a construction worker, were unable to repay.

1. Test whether you are in crisis

Whether a person or a family has fallen into a "debt crisis" has no standard data to measure, only their feelings can tell. Please try to answer the following three questions in your mind:

Is your or your family's cash flow constantly flowing, instead of just spending without income? Do you or your family have a current deposit in the bank, except for the assets that have been invested in stocks, funds and real estate? Does this amount reach 6 times of your or your family's monthly income, that is, half a year's income? When the monthly salary is paid, after you or your family provide the bank with a series of payments such as mortgage, car loan, insurance premium and credit card debt, can the remaining funds be freely and reasonably distributed in all aspects of savings, insurance, investment and life without feeling frugal? If your answers to the above questions are yes, then congratulations to you or your family for not falling into a "debt crisis"; If your answer is no, then it needs your attention. Maybe you have been troubled by the "debt crisis". Perhaps, you are wandering on the edge of that black hole, be careful to slip.

2. Crisis calculation

What is the "monthly financial debt ratio" = monthly repayment of household debts/(total household income-income tax-social security fee-bookkeeping subsidy, etc.-series expenses) × 1%? It measures how much income a family needs to pay off its debts every month. The higher the ratio, the less income left after debt repayment, and vice versa.

how much is this data? Let's ask ourselves. If a person's monthly expenses are negligible, it doesn't matter if the data is higher; If a person spends a lot of entertainment every day, entertainment and entertainment alone will cost half of his income, then if this ratio is too high, there is a danger that someone will make ends meet. Moreover, this figure is only a proportion, not an absolute figure. It cannot be said that families with a monthly income of 1, yuan and a "monthly financial debt ratio" of 5% are not as good as those with a monthly income of zero in 1 yuan.

here, we are only worried about whether we can make our assets operate in a benign way and live a quality life at least equivalent to our income level within the range of our family income. Even if the "monthly financial debt ratio" varies from person to person, it is a terrible thing if it reaches 6% or even higher.

In fact, whether you are comfortable or not depends on your own feelings, so how far your family is from the "debt crisis" is up to you. Find it early and eliminate it to prevent it from harming your family.

"Happy families are similar, and each unhappy family is unhappy in its own way". The same is true in the "debt crisis". Families with better financial management are similar, because their lives will become richer, their houses will get bigger and bigger, and their cars will get better and better.

However, for families who manage their finances smoothly, their wealth comes step by step, and the gradual process is very important. Unfortunately, families often have big houses and big cars, which can be achieved overnight. They live in too big a house too early, drive too well, and spend too much on their credit cards. After these premature impulsive behaviors, they may suddenly lose their jobs and be helpless ... There are too many more. In short, they didn't do the right thing at the right time.

Of course, there are many reasons, which can be summarized as follows:

1. Credit cards are swiped too fast

Don't get too close to credit cards! The appearance of credit cards has brought convenience and fun to many people's consumption life, but "card slaves", "house slaves" and "car slaves" are equally popular in today's society. This can't blame the credit card, only the cardholder's quick success and instant benefit. We must be soberly aware that the credit card is just a tool, never ignore the "statement" and pay the bill on time every time.

don't use the credit card under any impulse. There will be a second time for the first time. When the debts on the credit card add up, the situation you have to deal with will be very troublesome. The advantage of credit card is that it will not condone anyone to spend lavishly on the premise of planned consumption.

the use of credit cards should be planned, which can be fixed expenses within one month. However, when an item that you like very much appears, you should "measure it artificially" and calculate the time from this credit card to the repayment period, so as not to disturb your future life.

2. lead a luxurious life too early

don't covet a luxurious life too early. for anyone, a luxurious and comfortable life is an important goal. Nowadays, people's consumption reason is no longer "need", but quality of life and quality of life. How to reflect? Food, clothing, housing and transportation bear the brunt. As a result, mortgage and car loan have been launched one by one, and more and more people are willing to use tomorrow's money to live in today's room and drive today's car.

financial stress relief is called "leaving money in the bank" or "active cash flow". Therefore, when considering major actions such as buying a house or a car, it is best to have a full budget, and don't have a house and a car, but you are hungry.

Only after meeting other consumption items can we consider mortgage, car loan or other large consumption items that need loans, so as to ensure that the basic quality of life will not decline. In other words, before buying a house or a car, it is necessary to calculate clearly the amount that needs to be repaid every month. This figure must be the money after meeting other needs.

3. Expectation for their future income is too high

With the expected increase in repayment expenses, another worry of the "rich" is the decline in expected income. The latest salary survey report released by a domestic recruitment website not long ago shows that in the second half of last year, the average level of the industries surveyed in China was 35,333 yuan, down 14.7% from the previous period. This survey specifically pointed out that the salary level of IT personnel in internet companies has dropped the most, and the "new" people who work in these "emerging" industries are undoubtedly the group with the highest proportion of "rich people".

Once the "debt crisis" is deeply involved, unless you are lucky enough to win a 5 million prize, the days of "increasing revenue and reducing expenditure" and retrenchment are inevitable. As for how long this day will last, it depends on the degree of the "debt crisis" and whether the methods and means of paying off debts are smart. In addition, you need a little luck.

Start with yourself, calculate your finances, make two tables, look at your income and expenses table, see what your balance sheet looks like, and calculate your net assets and debt crisis.

Now, if you are a "rich man" with assets, you should have a little sense of urgency, get rid of the bad ways in life, learn to open up sources and reduce expenses, and manage your finances with an appropriate lifestyle.

If you have done a good job, congratulations first, continue to give full play to your own advantages, do a better job in financial management, and hope that the quality of life will be higher and higher.