Instalment repayment. Increase revenue and reduce expenditure. Save money on food and money

Relatives and friends borrowed 60,000 yuan and paid back 20,000 yuan a year

The debt of 60,000 yuan is not much, but the monthly salary is too small. Working in first- and second-tier cities only covers the rent. One-third of the expenses, if you live frugally, you will only have a few hundred yuan left in a month at most. It is difficult to pay back the 60,000 yuan. In this case, it is recommended to play it safe and be pragmatic, and don't think about ways to pay back the money quickly.

If possible, ask your parents, relatives and friends to borrow money, write down an IOU, and pay back the money in the card first to avoid interest. How much can you pay back? If you can't borrow it, call the bank and ask them to find the best installment plan that suits you.

In addition to going to work, find some side jobs, such as food delivery, driving, Meituan photography, or working an extra job. These are reliable projects that will generate immediate income. As long as you are willing to work hard and work hard, you can earn an extra 1,000 per month, which is 12,000 per year. If you save a little more, you will be able to make it back in three years.

Remember not to overdraft your bank card again. Since you are already in arrears, it proves that this is an irrational sales fee. Now that you know you have to pay it back, it proves that you understand the problem.

Hello, I am Island Bear

First of all, with a monthly salary of 3,000 yuan, it is really difficult to pay off a credit card worth 60,000 yuan by yourself, so you have to live frugally. If you pay back 2,000 a month, it will take at least 3 years, and you will save a lot of interest in the meantime. I personally think you should change your job, or if your current working hours are relatively stable, you can use your spare time to do more part-time jobs, such as the distribution industry and the driving industry. These two industries currently have unlimited time. , you can also increase your income. But I personally suggest that you change jobs or do more part-time jobs. This will increase your income and shorten the repayment time. If you are willing to work hard, learn from it. If you don't want to work so hard and just want to be content with the status quo, you can only seek help from your family.

Engage in the outdoor economy (set up street stalls). Now the national policy is so good. As long as we seize the opportunity, paying off the credit card will not be a problem. Besides, applying for a credit card is nothing to do.

I don’t know much about your current situation, so I would like to give you three suggestions:

First, with a monthly salary of 3,000, it is a bit difficult to pay off credit cards. Not to mention paying back credit cards, you still have to pay for living expenses. It takes a little effort to be friendly and sophisticated. You can choose to seek help from family members. The repayment time for money owed to family members will not be as tight as that of banks, and the interest rates will not be as high. However, the most important thing is human relationships, but family members support each other. It is best to take the initiative to issue an IOU, and also let your family see that you are determined to work hard to make money and repay it, so that others can feel comfortable borrowing money. You can work during the day and run a street vendor at night or do a part-time job to increase your income.

The second is credit card installment, which is not recommended because the installment interest is relatively high

Third, if your family is unable to provide help and the bank's installment interest is high, you can negotiate a personalized interest rate suspension. Installment, up to 60 installments, monthly repayment can alleviate a lot of pressure.

First make sure it is not overdue. You can make an installment plan. You can also ask me to help you and teach you how to make money part-time.

Let’s do debt restructuring, repay in installments with no interest, and pay back 1,000 per month. About

The monthly salary of 3,000 is too low. First, I will change my job and the salary will be 4,500 to 5,000. I will pay back 2,500 to 3,000 every month. It will be paid off within two years. I don’t need to be frugal because I am responsible for 180,000. , I have no money after being paid every month, all kinds of interest, it’s too expensive [tears][tears][tears][tears]

Hello, 60,000 is actually not much pressure, right You must have confidence in yourself. You can apply for an installment of a credit card worth RMB 60,000 over three years. The monthly repayment is RMB 1,666. With a monthly salary of RMB 3,000, you will still have around RMB 1,300 left each month. You must streamline your expenses and try to cook and eat at home. , resolutely don’t buy things you shouldn’t buy, increase revenue and reduce expenditure, you can work part-time on Saturdays and Sundays, do hourly work or something, more than 100 a day, it’s no problem if you can increase your income by more than 1,000 a month, keep at it, you must be strong With perseverance, it is possible to pay it back in advance. come on!