Hello, everyone, I'm the home finance manager. As a banker, I have met many people in debt, many of whom are over middle age. First of all, I think that "people are over middle age and spend 500,000 yuan for a long time", and the amount owed is not terrible. What is terrible is that they have lost confidence in life and the will to make money. There is a good saying, "the years are getting older, not getting older; When the ideal is discarded, it is the coming year. " Therefore, don't dwell on the age problem of "people are over middle age", but focus on how to solve the problem of "owing 500 thousand" and set the ambition of "making money and repaying loans"

It is difficult to make money at present, but easy to make money. In the current economic environment, making money is a challenge, but there are also opportunities to make money everywhere. It is not difficult to find an opportunity to earn 500 thousand. The specific analysis is as follows:

First, face up to the problem and boost confidence. No matter what situation you are in, you will not be the worst person. You owe 500 thousand, others owe millions, tens of millions. Even if you owe tens of millions, you are only in debt, which is better than the disabled. After realizing this, the only attitude we can have is: don't sell yourself short, cheer up, work hard to make money and actively pay off debts!

Debt has become a reality, but it is also the past! In the process of paying off debts, it may be very painful, but you can't have the mentality of breaking the jar. In the future, you may be grateful for this experience! Maybe it will break a new world and usher in the "second spring" of life because of making money and paying off debts. So, I believe you can do it, you can do it!

Second, hard-working, accumulating more funds than middle-aged, elderly and young people, and the economic burden is relatively heavy. If you get paid at work, it is difficult to have any money left after paying the daily expenses of your family. Moreover, if people are over middle age, it is difficult to get a high salary just for work (going to work) without a skill and an excellent craft.

In this case, we can only rely on hard work in exchange for more income. In order to earn more income, one has to work two or three jobs. If you work in an enterprise or institution, you can take part-time jobs in your spare time, or you can do the hardest and most tiring work in an enterprise or institution. In a word, he should earn more income and spend more time through hard work, so that he can accumulate funds after meeting the daily expenses of his family.

Third, learn lessons and strive for middle-aged entrepreneurship. I don't owe 500,000 yuan to buy a real estate, most of which is because I owe money for the failure of my business. After accumulating certain funds through the above part-time job (or going to work), you can try to start a business again. Because only by starting a business can we earn more money and pay off our debts as soon as possible.

In starting a business, don't rush for success, but be sure to be slow and steady, because if you fail again, it will be more difficult to accumulate enough venture capital. Therefore, we must carefully select projects, reduce mistakes as much as possible, and improve the success rate of entrepreneurship on the basis of learning from previous entrepreneurial experiences and lessons.

Finally, I need to remind you that if you have the repayment ability, you should pay attention to the repayment order. In the order of repayment, the bank credit card should be returned first. Because among all kinds of arrears, only bank credit card overdue arrears may violate the criminal law and be labeled as credit card fraud, and other arrears will only involve civil disputes. Therefore, if you have money to repay, you must give priority to repaying the arrears of bank credit cards and resolve the risk of violating the criminal law. Finally, I wish you all success in making money and a better economic life!