1. At that time, I sorted out all my borrowing sources, such as which platform or which friend's, and then looked at the interest level. A friend tried to negotiate with him whether he could extend the repayment period, and try to pay it back last, with the highest interest first. At that time, my monthly payment was higher than my income. I sorted out some credit cards. At that time, I had three, and I owed more than 30 thousand, but there was still a limit, about six or seven thousand. Then I swiped out every card on the first day after the bill was issued, and my budget lasted for almost a month. I use my credit card for the rest of the expenses. If you can find someone to cash in normally, you'd better use this money to pay the minimum repayment first, and try not to be overdue. If you have paid off the minimum repayment amount of all the loans, the rest depends on whether you can pay off one of them. Try to concentrate on paying off one of them first. After repayment, if it is a lender with an interest-free period, such as a credit card or Bai Hua, the daily expenses behind it should be paid first, and other funds should be returned to the loan that generates interest. After the salary comes down, it is also a priority to return one of the cards in a unified way. You can return as much as you can, and then brush it out for turnover, because if you can cash out normally, the money can be used at zero interest. If the monthly salary is shared, the minimum amount of each lender will go on like this.
After doing this strictly every month, I began to learn the knowledge of financial management. My first task is to search for articles about financial management and debt in Douban and WeChat official accounts, and then introduce recommended books, documentaries, movies and so on in combination with them. Generally, when I come back from work, I basically study these things and then practice them one by one. My life is full at once, and I am not in the mood to go out for consumption or anything. My monthly expenses are getting lower and lower.
At that time, I went back to work every day while studying. How can I increase my income, such as whether I can improve my working ability and then raise my salary, or directly look for outside opportunities, and whether I can get a better salary when I resign? At that time, I jumped from shop assistant to store operation, and now I have switched to online operation. My salary has also changed from 3,000 to 4,000 per month to 5,000 to 6,000. Now, 8,900 (when I get it) sometimes reaches 12,300.
The period is not as simple as I explain now. I will keep accounts every day and consciously control my expenses. I also quit milk tea. To this end, I became thinner and returned to the peak of 92 pounds, which is also the peak of Yan value. Ha ha ha ha. I also moved my house from the monthly expenditure of 8,900 yuan to more than 400 yuan, and my work changed from the stable eight-hour working system of five insurances and one gold weekend to the store operation where I spend two-thirds of my time on business trips every month. Now I am almost doing online product operation.