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Have you ever noticed that among the familiar friends around us, many people seem to have a much higher quality of life than us.

They show off the scenery, food, and happiness in their circle of friends... They seem to be enjoying life every day, and they always give people the feeling that they can make money just by lying down.

These people live in apartment buildings, drive cars, go to restaurants from time to time, and walk their dogs when they have time. Their happy lives can be described as beautiful.

However, the hardships and pains in life may only be known to them.

The building is probably just rented; the car loan has just been paid off a few days ago; there are several "big dishes" priced at more than 80 yuan on the menu, but I only glanced at them a few times and didn't part with them at all. Taste; the dog was "forcibly" picked up by him in the name of love when he was straying.

These days, behind the glamor, there are many people who are in debt and borrow money to live a leisurely life.

Compared to them, who has paid off their mortgage, car loan, stock loan, credit card loan...who has the nerve to stand up and say that his life is difficult and stressful? Compared with those who "come in" with arrears every month, this group of people should be regarded as "invisible rich".

People with foreign debts are well aware of the principle of not biting people when there are too many lice. Occasionally, they use the homophone of "negative old man" to laugh at themselves. After laughing, what is hidden behind them are drops of bitter tears. .

The ruthless reality has indeed made many people overwhelmed by the numerous debts.

Carrying a tent, as long as people are alive, they never dare to slack off.

Which one of the money you owe to the bank and the scattered money borrowed from relatives and friends would you dare not pay back?

I dream that one day I can pay off all my debts. Until then, I dare to resign as soon as I can, buy whatever I want, spend whatever I want, and try traveling. The feeling of being able to fly...but before the dream becomes a reality, I can only choose to live with my tail between my legs.

What I look down on the most is my boss. Why do you scold me every day? Have you already seen through that I live a life full of debt?

"I want to have a home. It just needs to be warm. It doesn't need to be big, as long as it can have my name on it."

On one side, house prices are soaring and banks are raising interest rates. On the other hand, rental prices are rising.

In recent years, the property market has frequently been tightened with regulatory measures, leaving many consumers confused as to whether it is more cost-effective to buy or rent a house.

However, for those who work hard in the city, owning a house of their own here is undoubtedly still a long-lasting dream.

Whether it is due to the promotion of the "mother-in-law economy" or the actual needs of the young couple's lives, the loan army composed of rigid home buyers has been working hard to make money day and night, relying on various methods.

Chen Ping is a member of this mighty army.

In fact, on weekdays, she is burdened with heavy pressure to provide housing, taking jobs everywhere, and working overtime is commonplace.

Although the house is only more than 60 square meters, it has spent all her savings and the pension money saved by her parents for most of their lives.

Although Chen Ping has no regrets about buying a house, she also bears a heavy burden mentally.

Before buying a house, she made up her mind: "Sooner or later, I will buy a house. If I don't buy it now, I'm afraid I won't be able to afford it in the future. I have to earn back the money my parents advanced for me." "For them."

In the five years since graduating from college, Chen Ping has moved nearly 10 times, ranging from sharing a house with classmates in an urban village next to the campus to sharing a two-bedroom apartment with colleagues. Residential buildings, and then to the single apartment that I rent alone.

Sometimes, we change houses because of disharmony with our roommates or landlords, and sometimes we have to make a new choice because we have to change jobs.

During this period, I also lived with my boyfriend for more than half a year. Due to the sad breakup, I had to find another place to live.

Chen Ping’s renting experience is full of difficult memories. The unbearable past made her finally decide to buy a house.

People who buy houses with mortgages have to bear a heavy repayment burden that accounts for more than 50% of their income every month.

While they enjoy the psychological comfort of having a house to live in, they are also suffering from a lot of mental pressure from all aspects.

Worry about getting sick, losing your job, fearing bank interest rate increases, not daring to change jobs easily, not daring to entertain or travel, and have no time to enjoy life.

"House slaves" carry their houses on their backs and are tightly "trapped" by real estate developers and banks. Like chains around their necks, they are locked in the house for their entire lives and become lifelong slaves to the house. Working "slaves".

More people are abducted by the concept of "buying a big house if you have money", and they don't know when this kind of comparison became fashionable.

In foreign countries, most young people do not like to be in debt. In the wealthier Western developed countries, nearly half of the people live in rented houses, as long as their car can travel. They would rather invest their money than let these real estate trap their spirit and body in pursuit of freedom.

Young people are not only affected by mortgage loans, but also have many more burdens that overwhelm their lives, such as: the cost of marriage, the cost of raising children, the cost of filial piety, the cost of medical treatment...all of them, The list goes on.

In order to prevent their lives from being uneventful, some people can only try to improve their quality of life by borrowing money, applying for cards, and overdrafts. So far, after "house slaves" and "car slaves", a group of people called "car slaves" have appeared in society.

Some people who have a clear sense of life, after being hurt by life, will advise others not to get married or have children, so that they will not have these chain burdens.

It makes sense to think about it. If we were alone from the beginning, there would be no need to buy a house, buy a car, or overdraft a credit card.

Adhering to the lifestyle of "if you have enough for yourself and the whole family will not be hungry", I live a poor and simple life; today's family of three, if there are two more people, it can't just be enough to eat, even if It can be like that. As a man, he would rather lose himself than his wife and children.

A marriage without quality of life is destined to end in tragedy; a marriage that only talks about love and wants may not even have a chance.

"Let's get married first and become a family, and I will handle the rest with you." This sentence originally inspired many people in the name of love to fight and fight. effort.

But now, this is called "the ideal is beautiful, but the reality is too skinny."

Some people struggle to buy a bigger house, while others rack their brains for tens of thousands of yuan in betrothal gifts; some are selective in order to marry a beautiful wife, and some spend money on plastic surgery to marry a rich man. , Improve personal accomplishment.

It’s just that you can’t make all the money, but it will always be spent.

If you think about it carefully, those who "dare" to go into debt after spending their money must at least have the ability to repay; let me ask, how can a person who can only earn subsistence wages every month be able to repay the debt? To pursue quality?

Some people say that "a life of high consumption will make a person's personality bigger." Qiu Ge cautiously agrees with this view.

I admire those who dare to think and do it. At first, they set life goals for themselves and worked tirelessly to achieve them. From now on, they really live their lives as they originally wanted.

With a sour grape mood, Brother Qiu will take you to briefly understand the lives of celebrities that are far beyond ordinary people:

Poverty can really limit our imagination!

The life of a celebrity is out of reach for ordinary people, so we have to bring our perspective back to reality again. In reality, only a handful of people are debt-free.

Among all the debt-ridden people, it is necessary to mention the "credit card people". There are many people there who have unconsciously turned themselves into "card slaves".

Peng Wei is a boy in his 20s. He has just worked for a year and his monthly income is only more than 2,000.

In order to pursue a quality life, he opened 25 credit cards and used them to maintain his credit card. As a result, he accumulated a lot of debt and almost caused catastrophe to himself and his family.

When Peng Wei first came into contact with credit cards more than a year ago, he became obsessed with the cool and unrestrained feeling of swiping cards. With more and more credit cards in hand, he spent more and more generously.

In less than a year, he had as many as 12 credit cards, with a total credit limit of 130,000 yuan, and his annual income was only more than 20,000 yuan.

The bank was pressing for repayment notices, so he had to borrow 100,000 yuan from a loan shark to repay the credit card arrears.

After the parents learned about it, they spent all their money to pay off their son's debt.

Unexpectedly, less than half a year after the incident, Peng Wei could not resist the temptation and applied for 13 more credit cards from 9 banks. This time, not only did he owe the bank more than 100,000 yuan, but he also owed more than 100,000 yuan in loan sharking.

Eventually, the parents had to sell their house to pay off their debts, and the family fell into trouble.

Credit cards have indeed brought a lot of convenience to our lives, allowing more and more cardholders to enjoy the benefits of credit card consumption.

However, credit card consumption is also a double-edged sword. While it gives the "card owners" a taste of the sweetness, it also turns them into outright "card slaves", even like the case above, because Blindly swiping credit cards for consumption has plunged you and your family into the abyss of disaster.

All "negative men" have the same dream: when I finish paying off the debt, I must tear down this miserable life and rebuild it.

In the final analysis, those who have turned themselves into "house slaves", "car slaves", and "card slaves" still have problems with their values.

No matter how the world changes, we must persevere. Less comparisons and unrealistic fantasies, even if you just choose to be poor and happy.

If one day, property prices stop skyrocketing, more and more reasonable houses appear in the rental market, and Chinese mothers-in-law no longer regard real estate as the only condition for marrying their daughters, everyone will live a more relaxed and open-minded life. ...Perhaps the lives of the "negative men" can truly be rebuilt.