All I can do is try my best to guard against future risks. Besides saving some money, buying insurance and borrowing money to help me tide over the difficulties are the most direct and quick ways.
If you want to borrow money in the future, the first thing is your attitude towards paying back the money. Borrowed and returned, it is not difficult to borrow again.
No one's money is not earned hard, and no one's money is blown by the wind. Cherish every penny, borrow and pay back, and be a trustworthy person to get help from others.
For friends who borrow money, if they are young and not sensible, they can forget what they borrowed and return it.
But for the debts of adulthood, we must learn to be grateful. Paying back money is not only paying back money, but also considering the loss of others lending you money.
In life, every debt is a feeling. Although the world is a friend in need most of the time, feelings come from the ordinary, so we can't befriend and cultivate ourselves when we are in trouble.
Making friends doesn't care whether friends are rich or not, but mainly depends on whether friends are careless, responsible and reliable.
A responsible and reliable person has a bright future, and such a friend will dare to help you when you are in trouble.
The same self should treat others with care, be responsible, reliable, practical and honest, and be a person you are eager to make friends with.
Just like an old saying, if you want to know what kind of person you are, you must first become what kind of person you are. This may be that birds of a feather flock together.
So you can't borrow money indiscriminately. If you borrow it, you must be honest and pay it back on time. Honesty is the best face.
Many people have encountered such worrying things. When they borrowed money, they said they would pay it back in two days or a week.
In view of this situation, we must ask how to return it. Usually, we don't even consider paying back the money. After all, we just need these three or two days of debt. Who doesn't have a credit card yet? It should be urgent.
Even if the credit card debt needs to be repaid, who doesn't know how to stage it or how to ease it in other ways?
Therefore, you should borrow money honestly, say what you have, and pay back the money reliably.
It is agreed that it will be returned on the same day, and even if it is borrowed in the future, it must not be postponed. This is consuming your credit and popularity.
At the same time, if you borrow a lot from friends, you must talk about interest, which is a little higher than bank deposits. This is sincerity, not to let friends suffer.
If you borrow a large loan, you should talk about staging. Don't think about saving enough money to pay it back together, and then pay it back in small installments when you figure it out.
Money, especially friends' money, will be yours if you use it for a long time.
Paying back four or five thousand yuan a month is the same as paying off a loan. You may not feel distressed. If you really save four or five thousand dollars and pay it back at one time, that feeling is really boring.
So, if you have money, you can pay back a little. Paying back a penny means paying back a favor. Although the feeling is still unclear, paying back the money can deepen the feelings of mutual trust.
Take care of the interests of others as your own interests and maximize the interests of your friends. This is a win-win situation.
Since it is so difficult to pay back the money, is there a mechanism for borrowing and returning it?
Not to mention, there really is. The world is full of interests, and the world is often full of interests.
Love is the main thing among friends, and improper handling of money will inevitably hurt feelings, so friends should talk as much as possible, occasionally hurt a little money, and don't hurt feelings.
But for banks and loan platforms, there is no emotional problem, which is the trend of interests.
How much you borrow is how much you pay back after adding interest.
If you don't pay it back, it's a real complaint, and you have to be in debt to explode your circle of friends.
Although it looks scary, it can also save lives at a critical moment.
However, it is necessary to talk about formal bank loans and formal private lending, and resolutely do not touch usury. It is better to borrow usury and have the cheek to find friends, because you can't afford it.
How to define usury? The legal loan recognized by the state is within the annualized income of 18%, and the usury I define here is the price I can't afford.
For example, 10% has a high interest rate. Many people with average credit give about 10%, which is actually not high.
But if you convert the money you borrowed into monthly interest, it will be high if you can't pay it back.
Because only by getting rid of eating and drinking, you can change some principal every month, and you can handle the debt better and better. The debt is getting smaller and smaller, and you can be painful and happy.
This is the hope of paying off the debt, otherwise the hole will get bigger and bigger, and sooner or later the last straw will crush the camel.
But in an emergency, who can guarantee that you are not sick and go to the hospital?
That's what I've always said, recognizing your risk management and control ability.
If you buy a moderate insurance, there really must be an emergency. Money is like dirt, it's all outside, as long as people are alive.
And people can't, insurance comes to save, insurance can't afford to save, even if you lose everything, you can't jump for a few days, you still have to give up as soon as possible.
Generally speaking, all kinds of loan platforms and bank loans have the lowest interest rate because of the harsh rating of banks.
Running a bank is the same as running a friend. You can't wait until you are short of money to find a bank. But when you have money, you should establish a close and friendly relationship with the bank.
For example, open a credit card, repay in time, and never default.
For example, mortgage customers should repay in time and never default.
Make large deposits in the bank regularly and do certain wealth management products transactions.
Tell the bank that you are an honest person with a stable income, beautiful running water and basic financial knowledge.
So even if you don't need money, many banks will take the initiative to contact you and send you money.
At this time, we can open some life loans according to the performance of the bank. As long as it is the amount borrowed and repaid, you don't need it, but it has become your confidence in coping with risks.
Never, never borrow money from the bank without buying a house, because you borrow a lot. Although the bank is willing to lend you a living loan, it is unwilling to lend you a mortgage, otherwise the interest on the mortgage will increase.
Because people who even need loans for their lives, banks are unwilling to take the risk of giving mortgages.
However, people with mortgages, banks are more willing to give them living loans for living, education, decoration and so on.
There is also the debt relationship with the bank. You know how much money you owe every day, instead of dragging it out day by day and rolling the debt around.
Repaying the loan is a painful and happy process. Although it is difficult to pay off, I am really happy to see less and less debt.
You will have money and want to pay back a little, and you will also have less.
Finally, once again, borrow money from friends, and pay back a little if you have money. Don't wait until you have money to spare. It is ungrateful to owe money. It is not clever and treacherous to live a luxurious life without paying back the money. It is naked immorality and consumes your own character.
Therefore, if you have money, you will raise a bank. At the critical moment, you should borrow money from the bank and work for it. I will think about clearing the account as soon as possible and going ashore as soon as possible, painful and happy.
Friends spend their money with peace of mind, so it is not only painful to pay back the money, even if they gain the whole world, they also lose those who care about themselves and live a lonely life.
It is not difficult to borrow when it is easy to borrow. It's time to pay off the foreign debt you owe. Don't let those who have helped you suffer.