No matter how good a person is, he still can't sleep every night when faced with huge debts. How should he solve it?

My mortgage loan is 700,000, and now I have to repay 3,000 to 4,000 per month. I still haven’t paid off my credit card of 40,000, and I am using repayment software to pay it all off. I borrowed 50,000 from Alipay and still have to repay the debt, and I still have to repay Jingdong gold bars of 20,000. If you have money, you have to pay back 30,000 yuan on Baidu, 35,000 yuan on WeChat Weili Loan, and 50,000 or 60,000 yuan on a credit card. I only had one job before, with a salary of about 10,000 yuan. After paying off the mortgage, the rest was just interest and handling fees, let alone landing. Later, I found another job and worked on another one after get off work. , and other side businesses developed. Now the total income is almost 20,000. The monthly repayment is more than enough, and you can also repay part of the principal. If you want to go ashore, you must make more money and repay the principal, otherwise you will only pay the handling fee and The interest still circulates back and forth, and the principal must be repaid, even a little. If the income from one job is not enough, then get two jobs. You can work during the day and do it at night or find another job. You can also earn money by setting up a stall at the night market. It's more than one hundred and eighty yuan. Therefore, everything depends on human effort. When encountering difficulties, you do not give up on yourself. There are no obstacles that cannot be overcome. Wait until you pay off part of the debt and save some money to continue your business. You cannot give up just because of this failure. Come on, in order to better your [coolness]

Share my experience! To be honest, I am also in debt, and the debt weighs me down. Life is gone, life is so tight, and it really feels like years. But fortunately, I chose to become a sailor two years ago. Otherwise, I can’t imagine what my life would be like now.

I once wanted to die as a relief, and I also wanted to find a way to make quick money, but it was really difficult. I was trapped in a situation with no way out, and there were pursuers (third-party debt collectors) behind me. It was so terrible to press forward step by step and put people to death in a desperate manner, causing families to break up and everyone to betray their relatives. But when I saw my elderly parents and poor children, I cried.

Because I still have responsibilities to face. No matter what, I have to survive first. The first thing I should do is to calm down. The debt can only be put aside and repaid slowly. At that time, the creditors also You can understand me, but bank credit cards are still being threatened by third parties. Now that I have paid off a large part of the debt through my own efforts, I am relieved.

It still shows that my mentality is not good. I also owed a huge amount of money. In the early days, I occasionally couldn't sleep and thought about death. But I found that none of these can solve the problem. When I open my eyes, I still need to face the problem. , so I hypnotized myself and comforted myself, how good it is now, at least when all the debts have collapsed, at least I don’t have to pay interest. If I had known it would collapse, I should have let the debts collapse a few years earlier, so that in the past few years It's not like we owe as much as 10 million. We only had 5 million 5 years ago. It collapsed at that time, but it's getting better now. What can we do now? After you have a clear idea, you can only spend more time on your business, make more money and strive to get rid of all debts as soon as possible!

This is really not easy. There is a process and I have a deep understanding of it. I have also adjusted for several months. I am feeling better now. However, when the debt collection calls come, I feel bad and I feel irritable when the books come home. .

In the final analysis, my mentality has not been adjusted.

First: You must find a way to fall asleep. Continuous insomnia will drag you down. Once you are worn down, nothing can be solved. I will drink some wine appropriately until I feel dizzy and fall asleep.

Second: Work hard during the day, and it will be much better to fall asleep when you are tired from work.

Third: The key to the problem is your fear of debt. You are afraid of having no hope and do not have the confidence to deal with it. This process is very painful. You need to convince your family first, instead of asking them to bear it for you. Let them Just complain less, set your own goals, work hard or start a business again. This can only be solved by regaining your confidence, seeing hope, and standing up again step by step.

So you have to overcome this painful process! I am also working hard and hope you can land as soon as possible!

A little sister of mine also has little money at home. She was given a loan to guarantee family ties. Her family has gone away and she has few friends. People come to her family every day to press for debts. She has four children. She wants to die! What should we do with our children? Avoid debt! This is also wrong. The people who borrow money are all very close to each other. Otherwise, they would not lend the money to their families. Out of understanding, she said to them in a nice way: "Don't worry, people." As long as the debt is not dead, our family will pay it off slowly."

Her husband works outside, and she takes her three children to school at home. The eldest child is studying in college outside. She can sing and will be invited to the family for weddings in Northern Jiangsu. The band is also a white matter. She sings with the band. If it is a week, she also takes the child with her?

Looking at her strong and confident look, I sincerely admire and sigh, this is how a person should be?

In life, every family has difficult times to recite. No matter what, you have to persevere when encountering difficulties. For the sake of your children and your family?

When I saw this question from my friend, I simply said: To answer, first of all, you need to look at the reasons for the huge debt you are facing. If it is due to a failed business, there is no need to take it to heart, because you were a motivated person, and I believe you will be better in the future. You will be able to pay it back soon. If the debt is due to family reasons, I believe you are a responsible person, so don’t take it to heart. People who are responsible and responsible will not be any worse. I believe You are the most important thing. If the debt is caused by your excessive consumption, then you can reflect on yourself at this time. Why is this happening? Will it still be difficult to work down-to-earth in the future?

Okay, let’s talk about myself. I was taken to court and imprisoned because my company went bankrupt and workers’ wages could not be paid. Before I was imprisoned, I was a millionaire with a wife and children. , and now I am a person with nothing, and I have to pay back the workers’ wages of 2 million, but I rely on my own efforts and don’t think too much, things will always be solved,

I think of a way Just make money and pay it off. Like me, when I had a debt of 300,000, I got up in the middle of the night every day and couldn't sleep! Now that I have all my side jobs done, I will be able to pay off my debt soon! It’s much better if I’m not so tired!

If you have too many things on your mind, you will feel anxious.

You can try using a fear safe. Write down the things that bother you most, worry about, and don’t want to see on a piece of paper, and then put it in a small box.

Put it somewhere where you can’t see it, and your anxiety will be eliminated quickly, because at this time your secrets and anxieties are just your fear safe, and more anxieties will In the safe of fear.

Doing this can eliminate a lot of anxiety, and I hope it will be helpful to you.

What should I do if I am in a good mood but still can’t sleep due to huge debt? Go ask Wang Jianlin? He owes more than 400 billion, and he still sings karaoke at night. Is he worried about the debt?

When I saw this question from a friend, I will give a simple answer. First of all, it depends on what caused the huge debt you are facing. If it is due to a failed business, this is not necessary. Keep it in mind, because as a motivated person, I believe you will pay it back quickly in the future. If the debt is due to family reasons, I believe you are a responsible person, so don’t worry about it. On the other hand, people who are responsible and responsible will not be far behind. Believing in yourself is the most important thing. If the debt is caused by your excessive consumption, then you can reflect on yourself at this time. Why is this happening? Will it still be difficult to work down-to-earth in the future?

Okay, let’s talk about myself. I was taken to court and imprisoned because my company went bankrupt and workers’ wages could not be paid. Before I was imprisoned, I was a millionaire with a wife and children. , and now I am a person with nothing, and I have to pay back the workers’ wages of 2 million, but I rely on my own efforts and don’t think too much, things will always be solved,

I owe debts Too much and I can’t sleep, what should I do?

I am also a debtor. At first, I was just like you. I couldn’t sleep at night, and I was in a trance during the day. I was listless and always thinking about debts! I was thinking about all kinds of bad endings until I saw a lot of debtors on the Internet. What kind of mentality do they have and how do they deal with overdue collection calls? I also thought about it in the future. No matter how much I thought about it, it was useless. Only by working hard to make money can we solve all the problems, come on, come ashore early

I have been overdue for more than two years, and now I am a broken promise. When I was just overdue, I was like you, sleeping I’m not stable, I can’t sleep, and I’m having a hard time. What should I do? I will try to adjust my mentality. What should I do if I can't sleep at night? If you don't sleep well, it will directly affect your work the next day. If you don't work well, it will directly affect your income and life, making it impossible to repay the loan. When I can't sleep, I will get up directly, go for a walk outside, eat and drink. At the same time, I will try to find a way not to think too much about debts and debt collection. After walking around outside for about an hour, I will go back to wash up and continue to sleep. I will think about some things. The debt has become a fact. I can’t think about it anymore. There is no way to change it. If you can't change the debt, then change yourself. Only when you live a good life and have money can you pay off the debt. Once you have paid it off, everything will be solved. This is the truth. In the beginning, it must not be that easy. Once you have figured it out, don't be impatient. After a while, you will slowly think about it, and you won't be unable to sleep. Slowly plan your work and career, and strive to land as soon as possible. Come on!

My sleep has deteriorated a lot in the past few years. I often wake up in the middle of the night and can no longer sleep, and a bunch of debts will pop up in my mind. , so-and-so is ten thousand, so-and-so is twenty thousand, so-and-so is twenty-three thousand, these debts are probably one to one hundred and ten thousand. There is a heavy pressure on my chest. Sometimes I feel like I am being pressed so hard that I can't breathe and it's suffocating. I can't fall asleep and stay awake all night. How wonderful it would be to be debt-free and light-hearted!

Then again, can we still live like this? I had to save myself and not let insomnia wear me down. When I had debt, I bought the house and borrowed the money. My relatives and friends also lent us the money because it was a good thing to buy a house. They also lent us the money because they said I was trustworthy and had not cheated anyone. We pressed for it because we felt guilty, and we still haven’t paid it back in five years. When you have insomnia at night, you think about it over and over again, but there is no need to worry. You must first correct your mentality, cure your insomnia, sleep well, and have the energy to make money during the day.

Secondly, there must be a repayment plan. This year, one-third will be repaid first, and everyone will pay back a little to show their apology for not paying back the money they have owed for many years. Or which difficulty should be solved first. After setting a goal, work hard to make money. When your salary is paid every month, first deposit the money to be paid back into a card, and pay it back when you have saved enough. I have a little living expenses left and live frugally. Although it is hard, it is happy and worth it for the plan in my heart and to sleep well at night.

I work hard during the day, and I don’t suffer from insomnia after a hard day’s work. I have set aside money for debt repayment every month, and I feel at ease. I am getting closer to being debt-free, and I don’t feel aggrieved or guilty. . What you pay off is your debt, and what makes you happy is your heart. No matter how hard we try to be frugal, we must be honest people and pay off our debts. Live up to your own conscience, and don't let the people who lend you money feel cold.

It is a great kindness to lend you money, and to pay it back is to find a place for your heart to release. The money can be repaid, but the heart will always be imprisoned by grace. Even so, we couldn't be happier. Because the debt of that year is the gift of a lifetime.

There are too many people in debt in modern society. You are not the first person to worry about this, nor are you the last! As the saying goes, there is no need to worry when there is too much famine or there are too many lice to bite you. Since you are already heavily in debt, it is useless to worry. If your body is affected by anxiety and you suffer from anxiety or depression, it will be even more painful than the gain!

Life is full of ups and downs, how can it be smooth sailing and everything goes as planned! When you encounter setbacks, you should first have a correct mentality to face it. Think about what you have now. Even if you are in debt, at least you are still healthy. This is much luckier than many people. Take a look at those who are suffering from diseases and suddenly People who have suffered misfortunes, look at the poor people who have no clothes to cover their bodies and no food to eat. You are much happier than them. Think of it this way, at least you have a good attitude. Only with a good attitude can you actively work hard to solve problems!

Having too much debt means that you are still a useful person, or you have been a good person, because no one will lend money to a person or a person who is good for nothing. In this case, we must first analyze you With the resources that are currently available and available, we should first solve the problem of survival, and then consider the problem of life. This society has never heard of forcing people to death. In this case, just muddle along and let nature take its course. There is no need to worry too much. , became sick due to overwork, and had trouble sleeping and eating.

Life is no longer a problem, then consider development, step by step, as long as you are willing to work hard, everything is possible, simplify the complex, wait until one day, when you stand up again, look back, today All this is nothing at all!

I owe you everything, no matter how anxious you are, just take it step by step and don’t put too much pressure on yourself

I can understand your feelings as we are both fallen from the world. I am still a mother of a two-year-old child. I have not worked for three years, and I will have to wait for at least another year before I can get out. Every day when I open my eyes, I think about my debt of more than 300,000 yuan. How sad! I just don’t know if anyone is collecting your debt? I am a little better than those who have overdue payments. They are all credit cards. I use them back and forth, and the limit in each card is used up. Every time I pay back the card, I spend thousands of dollars. It is a waste of time and energy. It’s tiring to take care of your children by yourself every day, and you also have to worry about which card is overdue or you forget to pay it back, causing a bad credit report. If it weren't for the sake of my child and fearing that her schooling would be affected in the future, I would really want to deliberately overdue the payment and let someone else collect the payment and call my husband and his family. Because he coaxed and deceived all the money out of me. When he asked for it, he always took it in lump sums of 100,000 and 50,000. Now all the debts are on my head. He is free and happy by himself every day, my child. No matter what, I just gave him a small amount of money every month without any hesitation. Because he had bad credit before and couldn't get a credit card or get a loan, so he was deceived and now he's in a lot of trouble! The monthly credit card handling fee and installment fee are at least three to four thousand. The debt is getting bigger and bigger, and I don’t know when it will end? The bigger the credit card limit, the better.

I know very well the state of mind when you are burdened with debt and unable to repay it. It is a kind of deep panic and confusion. It feels like your life will be ruined for the next few decades, and there is a sense of powerlessness all over you. My whole body seemed to be hanging in mid-air. I couldn't get up or get down. I always wanted to find something to rely on to make my heart feel more at ease, but I couldn't find it. At this time, I suggest that the first mentality that debtors need to have is "inaction", that is, doing nothing, spending every day quietly and in a daze. This is because once people are panicked, it is easy to do Making the wrong choice, taking the wrong path, and making your situation worse. For example, some debtors will think about getting rich overnight, or do something illegal and criminal to make money quickly. Doing nothing is to let us slowly accept the debt situation, let our minds gradually calm down and clear up, so that we can plan the next step. When you have been "doing nothing" for a period of time and your heart begins to desire to do something to change the status quo, you can enter the second state of mind, which is "acceptance".

Accept the reality that what you own has been lost, accept that your life is worse than that of your friends, and accept that you have to start over. Only by accepting your true situation after your debt is overdue can you regain your strength and be down-to-earth. Do things on the ground, otherwise, it is easy to fall into a mentality of self-pity or blame, and continue to consume your inner energy. When you successfully accept your current situation, you can enter the third state of mind, which is "abandonment", abandoning your own face, abandoning your original attitude towards life, and abandoning your original personality and ideas.

When people overdue debt, it must be their own fault. It is caused by problems with their original way of dealing with the world and the way they look at problems. For example, my company went bankrupt. Although the impact of the epidemic was the main reason, But I did not have a good firewall for the company and assets, which was also a trigger. 3. Debt does not matter, but trustworthiness is important. If you want to make a comeback or pay off your debts, you must put down your dignity and make money in a down-to-earth manner. For some debtors, they may be big bosses worth millions. The people who are the envy of others in their circle of friends are now trying to make money in a down-and-out position. They may not be able to live up to their reputation, so they have been unable to take the first step. There is a saying that goes well, a man can bend and stretch. Throughout the past and present, many celebrities and heroes have experienced a period of trough life, and this is the test given by God. I often tell my debtors, "Although you can live a life of debt, Disgraceful, but absolutely wonderful." Only by experiencing the darkest moments of life will you have a stronger ability to pick the fruits of the pinnacle of life. I once had assets of nearly tens of millions, drove what others considered a luxury car, and entered and exited high-end office buildings. I felt that life was very beautiful. Now that I am down and out, I can still be unafraid of other people’s gossip and ridicule. This process is very important to me. , is not only a sublimation of thought, but also a transformation of ability. I believe that when I make a comeback, I will be able to sit longer and more steadily than before. There are many kinds of success in life. Being rich is a kind of success. Breaking through yourself is also a kind of success. If you choose to give up on yourself on the road to self-breakthrough, then you will live with the identity of a loser all your life. In the hearts of others, so why not give yourself a chance to prove to the people around you and the world that you can actually do it!

If you can’t sleep, I think you can just check Weibo, Douyin, or Kuaishou?! Brush every day, every day, every night, until you are gone! But before you die, you must buy a death insurance or something so that you can leave something for your parents and children! [Hold face][Hold face] Just a joke!

Let’s get to the point! Owing money and not being able to sleep are actually two different things!

The question about owing money is how much money do you owe? Is it money from a small loan company, a credit card, a bank or other private individuals?

For various small loans, if the annual interest rate exceeds 15, just let them continue to press you! Don’t be afraid, remember to eat and drink well every day, and wait for them to finally pass the lawsuit!

Courts, trials, judgments, and executions also take time! And the lawsuit must be filed in your local area. Otherwise, if there is a jurisdictional objection, you can go to Du Niang to check! The final result is monthly repayments! Of course, the premise is that you have to clean up other property on your body!

Bank credit cards can also handle personalized installment repayments. As for the detailed methods, each bank has its own differences, and the China Banking Regulatory Commission has also issued corresponding laws and regulations. Allow equal negotiations with banks!

The above loans will be collected. Remember to record the call. If there is any intimidation, threat, order or bad tone and attitude, just ask him to get out!

Every time you think about it, think about where you can work steadily and earn money. After all, you still have to pay back the debt. Try to persevere and pay it back slowly, and your life will always get better! come on!

This morning I saw a tweet from the public account "Wang Ronghui Happy Parenting"

. Colleagues say it has become a viral hit.

I clicked in to read this explosive article, and I was very surprised.

It turns out that this is a history of blood and tears published by Wang Ronghui. I almost finished it with tears in my eyes.

Wang Ronghui is the founder of Newno Education. In 2019, she turned the company into the largest direct-operated daycare chain brand in the country.

In addition to Wang Ronghui’s sincere monologue, what makes me sad is:

For example: It has been three years since the epidemic happened in the blink of an eye? How many three years are there in life?

This is the heartfelt voice of an entrepreneurial woman who cannot eat or sleep well.

What makes me particularly emotional are the messages in the comment area. A kind word will warm the winter, and a bad word will make June cold. Whether you are a human or a ghost can be seen when you are down and out.

Let me show you my clear-cut stance.

Someone left a message directly about the "debt collector": You won't escape or run away, right? That's just right. When will Ms. Wang's refund be refunded?

Wang Ronghui did not escape. She treated him sincerely and replied that she would work hard to make money to pay it back.

Wang Ronghui still begs everyone to give some time to these relatively extreme remarks.

Wang Ronghui is no longer as glorious and glorious as he was then.

The naked messages were like a knife piercing hope to her, both physically and mentally exhausted.

During the epidemic, there are actually thousands of entrepreneurs like her.

Of course, the world is still beautiful! There are still many kind words.

Parents who have taken the class all support her and encourage her, especially the last paragraph above, which particularly touched me.

In her message: For a woman, after experiencing such a huge trauma, she can still make a promise: I will make good money and work hard to repay the loan - brave and magnanimous.

I hope that Teacher Wang, who has never been masked before, can get his life back on track as soon as possible. There are still chicken feathers in life, but they can no longer be blown away by any wind.

Exceptionally touched. Some people will lend a hand to help others when they are down and in trouble; some people may not be able to help materially, but they always support and encourage them spiritually; some people add insult to injury by crossing rivers and tearing down bridges, causing trees to fall and hozens to scatter?

The ugliness in the world is all in a thought.

I hope that under the epidemic, companies or individuals that have been hit hard but still persist can find new ways to build a fortress for themselves, embrace uncertainty, find new ways out, and survive natural disasters.

Times create heroes, and in this case, new professions will still emerge.

The same thing happened to me. I had insomnia for a month or two, but thinking about my elderly parents and unmarried son, I must cheer up and plan some debt repayment amounts. On the premise of ensuring basic living security, Stabilizing your main business and expanding your side business with zero investment, I believe it will definitely pass and exchange time for debt space.

I owe money to my credit card, and every time I pay 1,000, the card is still blocked. Is it possible that I can’t sleep at night?

The problem with money is to pay it back. You don’t need to be sleepy. You can go to the bank to find out. Generally, they will give you a special repayment account and let you transfer money into it. You need to go to the bank to explain the details. , or call the bank and ask. It won't be anything bad, so just sleep peacefully.

I owe more than 100,000 yuan to my credit card and online loan. I can’t sleep every day. What should I do?

I have a credit card of 300,000 and an online loan of more than 300,000. I used to live in dire straits every day. Now that the online loan is almost finished, I need to reflect on myself and find out what went wrong and why I owe so much money. , reflect carefully, to be honest, everything is because of your ignorance, adjust your mentality well, and start over, everything will be fine! But if you are addicted to drugs and gambling, then quit immediately, otherwise your final consequences will be disastrous!

Debt will cause you inner pressure, anxiety, panic, and helplessness. This is normal! But don't dwell on these negative emotions.

First calm down and list all the credit cards and online loans that you owe money to. How much money do you owe from each channel? What is the daily interest rate? Clearly understand your debt situation.

Secondly, find a stable job. If you have income, list the details of your income. How long will it take to pay off the money if you are frugal and basically have zero shopping?

Again, if you owe more than 100,000 yuan, it will be really stressful.

First, you can reorganize and reach an agreement with creditors through legal channels to help those who cannot pay in one go after the due date or the minimum repayment is too high, and reorganize and deal with it in installments. Reduce the pressure and have an extra time to earn money and repay the loan. Second, ask your family for help and confess how much money you owe and where the money was used. With the support of your family, you will feel less pressure and let you know that you are not working alone, so you will have more motivation.

Finally, now is an era when side jobs are in urgent need. You can develop side jobs while ensuring that your work will not be affected, and choose side jobs that do not consume much time and energy. In the Internet era, you can earn more income through side businesses such as writing, short videos, and e-commerce. I personally recommend you to do e-commerce, which has good development prospects at present. I'm doing it too.

In short, reduce your own pressure, clearly understand the specific situation of the money you owe, increase revenue and reduce expenditure, don't avoid difficulties, only face them can solve them!

Hope it can help you.

I can understand your mood, after all, I have been there before. Online loans are indeed very convenient, with easy application and fast disbursement! ! When they need money, many people think of it immediately. Later, they will use loans to support loans and tear down the east wall to pay for the west wall. This will form a vicious circle, and the amount owed will become more and more. The days can be imagined.

Some personal suggestions:

1. Sort out your debt situation and formulate a repayment plan. Those with credit citations should be dealt with first, and those without credit citations should be dealt with last. After all, we are now a credit society, and if your credit is not good, you will not be able to do many things.

2. Seek help, tell your parents, relatives and friends about your actual situation and see if you can help to overcome this difficulty first. It is not difficult to borrow something and borrow it again.

3. Change your consumption patterns by increasing revenue and reducing expenditure, and try to reduce unnecessary expenses as much as possible.

4. Find some suitable side jobs to increase your personal income. If you are working and want your boss to give you a salary increase of 1,000, it is difficult. However, it is easy to earn 1,000 a month through other methods.

In 2017, I also had hundreds of thousands of dollars in debt. I have survived it, and I believe you can too! !

There are no obstacles in life that cannot be overcome. How can you see a rainbow if you have not experienced wind and rain!

The above is just my personal opinion, I hope it will be helpful to you! Comments welcome

How many people dream of paying off their credit cards?

How many people have debts they cannot pay off? How many people have made wrong choices for the sake of commitment? And how many people don’t know the correct way to handle it?

These are questions worth pondering as debtors. What causes us to fail, and what can we do to effectively solve the problem.

The only way to solve the problem is "money". How this comes and how much it comes have become difficult questions for everyone. No one can really help us with this problem. Only by constantly improving ourselves can we effectively solve it.

There are several ways to deal with debts. There are many ways to deal with overdue debts. The best way is to use your own money to repay, not someone else's. After it expires, there is only one solution, which is to reorganize.

So what is reorganization, how to reorganize, and through what reorganization?

Restructuring is to deal with it through legal channels, and then reach an agreement with the creditors again to help those who can't pay in one go after the overdue payment or the minimum repayment is too good and the minimum repayment is too good, so the reorganization can be dealt with in installments to alleviate the We are stressed, return to normal life, and avoid the trouble caused by overdue!

First of all, don’t be afraid if you owe money. It’s up to you to plan how to pay off the debt. Compared to me, right, I also have more debts. The total debt is more than 700,000, mainly the mortgage loan of more than 600,000, and the credit card, which is 100,000. The credit card is better, and the repayment software I have been using is not bad. Temporarily relieve stress and have time to work on side projects.

The mortgage loan is more than 6,000 per month, which is still quite stressful, so you have to work hard to find ways to make money. You can't always think about having debts and just stop working hard and wait for others to help you. Is that impossible? In addition to going to work every day, I do promotion at night, and the income is pretty good. I believe this debt will be paid off soon. Come on, your debt is nothing. I owe so much and I am still working hard. You have to cheer up, slow down It will get better slowly, please join me and work hard! ! ! !

First of all, the most important thing is to correct your mentality, face it bravely, and work hard to make money. It is possible to go from poverty to wealth.

It’s not much. There is no need to put too much pressure on yourself. In today’s society, as long as you are willing to work hard and endure hardship, you can pay back more than 100,000 yuan in more than a year. It’s just that I have to work hard for more than a year. If it's hundreds of thousands, it might be a little more troublesome. I owe four to five hundred thousand, and I've only paid back hundreds of thousands in a year. I owe 250,000 on a credit card, but I still use repayment software, and I still have ten thousand left on an online loan. Thousands. If you can't sleep even if you owe more than 100,000 yuan, then I will have to commit suicide. There is no obstacle that cannot be overcome.

It is a foregone conclusion that I owe more than 100,000 yuan in credit cards and online loans. I can’t sleep, I am under great mental pressure, and my body is broken, so it will only be more difficult, so the sensible thing to do now is to pay all the debts. Make a detailed breakdown of your money and make a repayment plan based on your current income.

Then we will see if we can find others based on the existing conditions. No matter how much we owe, there must be an amount. It is impossible to pay it off. Don’t be too pessimistic. Just follow the current basic salary level for one month. 3000 is 36000 a year. Excluding the 6000 expenses, if you repay 30,000 a year, it will be about 120,000 in four years. In addition, I am talking about you paying it back alone. What if you have relatives at home to help you share the repayment? You can shorten the time and maybe pay it off in two years.

Don’t worry blindly when encountering problems, but deal with them calmly. I wish you can get rid of debt troubles as soon as possible.

As long as you think openly and have a strong mind, your problem will not be a problem. The most important thing is mentality.

Having too much credit card debt will cause us to be overdue. In this case, if we have not solved it, we will face the risk of collection harassment after overdue, and the increase in interest and liquidated damages will be very serious. It’s a distressing thing, and it will also affect our credit report. Therefore, if it is not resolved in time, it will be a triple blow to the body, mind, and spirit.

That