As for this problem, I can only enlighten you. I don’t know how much debt you have. I am now in debt of hundreds of thousands because I used credit card money to start my business. I lost it and now I am unemployed. I don’t want to go to work, the little I earn is not enough for interest, and I’m still focused on starting a business. I’m not afraid of having too many debts. What I’m afraid of is that I won’t be able to get up because the debt will overwhelm me.
I think mentality is very important. Instead of worrying about debts every day, it is better to think about how to find the hope of making money again. There is no perfect road, and I always believe in every step we take. It all counts, as long as you put in the effort, there will be results. All successful people have experienced many ups and downs. I once saw an article titled Every successful person has experienced depression. It means that a person never fails. to successful experiences.
I once had a similar situation to you. Later, I found ways to enlighten myself based on my own situation, to understand the financial status of people around me, and then understand why they were in debt. They had money. How did everything get up? By understanding that many people transition from debt, there is a process. I adjust my mentality based on this. I believe that as long as I am alive and as long as I am willing to work hard, everything will pass and everything will be fine.
If you are not afraid of hardship or tiredness, you can go for business, express delivery or takeout, and the income will be considerable, which is better than worrying about it every day.
If it can enlighten your inner emotions, you can also use my experience of enlightening yourself to look at the people around you, search for problems related to your own situation, and take a look at the thoughts of those who are responsible for the debt. After some comparisons, you can also get some inspiration.
Debt is really not terrible. As long as you work hard, you will get better. This is just an experience before you succeed. It is still difficult to learn from the West. Think about how difficult it is for you. , the mentality must be good, come on!
I also had the same experience as you. After five years of starting a business, I lost money and still owed 45,000 yuan. My girlfriend who I have been with for 5 years recently also chose to leave me. As long as people are alive, they will find solutions. You should relax your mind and go outside more often. Recently I was rolling out tissues online to prepare to set up a stall. I have never been like this before and I am relatively shy, but I have no choice but to make a living. I also want to start a self-media business. I have also had this experience while studying recently. I once borrowed hundreds of thousands from a credit company and had no money to pay back. I had a headache every day and couldn’t sleep well. The credit company kept urging me. Later, my wife and family helped me pay back the debt, and I got through the difficulties. As a person, you still have to be down-to-earth and not too ambitious. Now, working in a company, I not only paid off the debt, but also had a balance, and also bought a car, so as a person, I have to be down-to-earth. pragmatic.
If you want to adjust yourself, you must first have an unbreakable spirit. Faced with heavy debts, you must be willing to endure hardships, not be afraid of tiredness, and actively work hard to make money. Don’t just focus on making big money, you must also make small money. , as long as you are not idle and accumulate a little, you will be able to pay it back one day.
The other thing is to get rid of the bad habits of the past, stop immediately, don’t play what you shouldn’t play, don’t spend what you shouldn’t spend, communicate with integrity, treat others with sincerity, as long as you are willing to pay back the money, I I believe the other party will also be impressed, and it should be fine if you go slower.
Having said so much, I am just trying to answer your title, but you did not make it clear where the debt comes from. Most people are trying to answer the current online loan and credit card debt repayments. It’s not easy. Once online loans or credit cards are overdue, collections will follow one after another, contact lists will be exploded, and harassment is inevitable. Banks will not give up until they achieve their goals. How can you be exhausted, unmotivated to work, and have no food? The smell keeps me awake at night. This is the fact that bank credit cards and online loans cannot touch.
If you want to get rid of the entanglement, you can only ask your family for help. You can't get rid of it alone. As long as you are willing to confess the problem frankly, I believe your parents will help you and pull you ashore. Only in this way can you Get out of this desperate situation as soon as possible.
Young people are so ambitious, their hearts are as high as the sky, and they don’t know the importance. They have sown the bitter fruit, and then they realize that it is a pity that there is no medicine for regret in the world. Now they realize that their income is not directly proportional to their efforts, and they are in despair because of their heavy debts. Just look for the cause when you have a headache. Let me tell you, in life, as long as you keep your feet on the ground, how much rice you have, how much rice you cook, how much money you earn, how much money you spend, nothing will fall on your head.
Life is short, only more than 20,000 days, and your ability is limited. Don’t aim too high. You can only reach the top by climbing step by step. Thinking of getting rich overnight is just a daydream.
Leave your hometown and start from scratch, such as picking up rags, acting as a driver, or delivering food. How can you earn 10,000 yuan a month if you put down your dignity (mainly because you have no acquaintances)? How much can you accumulate after working for a few months? With a capital of 10,000, open a store on JD.com (I don’t know about other things), and you can earn around 20,000 a month in half a year. At the same time, you can stick to takeout or other things. I can’t say that you will turn around quickly, but at least you can see hope and stay in your current living environment. , because the limitations of conditions will solidify your thinking and restrict your hands and feet. You will only worry about it every day. Take the time to leave, and your mood will be much better when you go abroad.
If Lin Daiyu leaves Jia's house to change her environment and becomes a waiter in a restaurant, she won't die of depression.
The following is my personal opinion, don’t comment if you don’t like it
Let’s analyze the problem from three aspects:
The first aspect: the debt itself
Debt does not originally exist. Just like wealth, it is accumulated "by". As the name suggests, that is to say, after the debt bank receives your deposit certificate, every time you fail to clear it in time The remaining debt will generate the added value of debt "profit", so the debt itself shows that clearing debt in a timely manner and planning to deal with historical debt should be the top priority.
Debts involve a wide range of things, including private debts (mostly loans based on personal relationships, mainly private loans), public debts (financial loans such as banks), internal and external pressure, and of course physical and mental exhaustion
Personal suggestions:
Develop a repayment plan that meets your conditions, proactively contact creditors to negotiate and reach a repayment plan;
The second aspect: own reasons
< p> Debt to despair cannot be separated from one's own reasons: procrastination, laziness, doing things without a plan, insufficient self-summary, and inability to listen to opinions (arrogance)Procrastination - not prioritizing things, rather giving in to the other three Don’t fight for every second, and talk more but do less
Lazy - I would rather give up for three buckets of rice than put down my dignity, be down-to-earth, embrace big ideals, and talk about nothing
Nothing Plan - Blind optimism in starting a business, throwing money into the air without experience, without prioritizing things, building mountains when encountering mountains, and building bridges when encountering rivers
Not learning from failure experience, listening only to success quotes, not summarizing enough on oneself, and giving opinions It's just an opinion, respect on the table, and will not be adopted and supported!
Personal advice: Be pragmatic and trustworthy, act immediately, plan in advance, make adjustments during the period, summarize afterwards, learn from others' strengths, and make good use of others!
Don’t make excuses and reflect more on yourself
The third aspect: other factors
As long as you work hard, all good things will follow!
If you are pessimistic, happiness will leave you at the door!
The other factor I mentioned is mentality
Believe in the power of belief! come on! stranger!
If you feel hopeless, how long have you been depressed, and whether you have sleep problems, which last for more than 2 weeks, it is recommended to go to the psychiatric department of a professional hospital first to conduct a comprehensive assessment of your psychological condition to rule out depression. disease. If you do not have depression, use more positive psychological suggestions. The debt has already occurred, and you should actively use your own ability to pay off the debt. Only by working hard can you have hope. If you are unable to debug, it is recommended to seek psychological counseling or treatment to help yourself. I believe you can face and change, come on!
Thank you for your invitation. If it is a routine loan, call the police. It is a key target of crackdowns on gangs and evil. If it is a normal debt for starting a business, getting sick, or getting married, it is normal to be stressed, which means you have a very good character. , since you have borrowed money, it means that the creditor trusts you, make a repayment plan, adjust your mentality and work hard to generate income, and at the same time mobilize the whole family to actively generate income, be diligent and thrifty, and spend what you need. You will be able to get rid of difficulties, turn pressure into motivation, cheer up and you are the best.
If you owe a debt to an outsider, you should seek help from relatives and friends to pay it off first, and then pay off your own debt slowly, so as not to be too anxious. All that's left is to calm down and work hard step by step based on your own strengths. Don't think about getting rich overnight and let your hard work redeem you.
Thank you for the invitation. I have had such emotions before, but it was not because of debt.
I think we need to firmly believe in one thing now, and that is to survive no matter what, not in terms of physical survival in reality, but to have the courage and confidence to live, and then think carefully about what can make the present better. , slowly change the current status quo, and the situation will get better and better.