Don’t panic when something happens, Brother Niu will do a rational analysis for you, as follows:

1. The card is not empty. This is easy to handle. I’ll give you four words: Four taels can make a huge difference. If you need guidance, pay attention to Brother Niu and please enlighten me.

2. Empty card. There is no need to panic in this situation. If you have income, make installments first and then formulate a practical repayment plan. If you have no income, pay off the minimum credit first, and then be sure to find a job. Don't live a life of "making ends meet" again.

For financing, capital operations, investment and financial management, you can contact Brother Niu.

You only mentioned liabilities, not income, so it is impossible to accurately judge whether your liabilities are large. If your income is high, then this debt is not large. If your income is not high, then this amount of debt is a lot.

However, no matter whether you have high debt or low debt, don’t panic, because panic will not be of any use. If you panic, it will only make things worse. You must face these debts calmly, straighten them out, make a plan, and then pay them off slowly according to the plan.

Let me tell you my own personal experience. When I was getting a salary of several thousand yuan, my credit card was owed (yes, owed, someone else swiped it) hundreds of thousands (all 12 cards were emptied) , when I learned about this, I sat alone on the balcony in a daze for a long time...

My solution:

1. Installment

Select some of the bills that can be paid in installments according to the installment fee, and proactively call the bank to make installment payments, which can reduce the pressure of repayment in the current period. (The credit limit is occupied in installments, so I did not choose to make full installments)

2. Set up cards

Shamelessly, I asked my friends to borrow some "original capital", and then started to make up for it. The work of the Western Wall is to return one card, the set will come out, and then another card will be returned. (I made a small table of 12 cards based on the billing date and repayment date)

3. Change jobs (this is the most critical)

From the original office to 9-9 Five's back office job was changed to a sales position. When I first went to the market wearing high heels, I would take off my shoes and carry them around when I came home from the subway station at night. The salary was lower than before at first, but gradually, as it accumulated, the income became higher and higher.

4. Control consumption

People are amazing. The more they owe money, the less they know how to be rational when using money. It seems that as long as the credit card has a limit, it means there is a deposit in the bank. Especially when you have to pay your bills every month. So you must control your consumption.

4. Repayment plan

Cashing out every month to pay off bills is not the fundamental solution to the problem. If you are not careful, you will fall into an endless cycle of never being able to pay off your bills. In the first two years, I discovered that I still haven’t lost sight of it. Later, I changed my strategy. While strictly controlling my expenses, I cleared each card one by one, which meant returning each card so I wouldn’t get any money out of it.

5. Compulsory savings

In the beginning, I paid off my credit card when I had money. There was never any money in the savings card. I was actually very frustrated. Later, I chose a Fund, I invested 50 yuan every week, and over time, I began to have my own savings. Every time I look at the small four-digit deposit, I feel very happy, work harder, and spend more rationally, because I I want to have my own bigger savings sooner.

It took me almost three years to pay off all the hundreds of thousands of credit card debts. In the fourth year, I also started to have a six-figure savings of my own. .

Personal experience, hope it helps you!