Those whose loans are overdue and heavily in debt want to go ashore must first clearly understand their current financial situation, then make plans, and make money, save money, and repay the money in a down-to-earth manner. Only in this way can they one day go ashore. . 1. Find out how much debt you owe?

Many people only know that they are heavily in debt, but they do not know how much they owe. They are even confused about how many credit cards they have and which platform they have borrowed from. So the first step if you want to go ashore is to figure out how much money you owe.

You must find out how much you owe on each credit card and how long it is overdue, and write down the details on a large piece of paper using accounting methods. If you forget how much you owe and how long it is overdue, you can call the credit card customer service hotline to check and record it after checking.

You should also clarify the situation of online loan debts, how much you initially borrowed, how much the interest has increased, and check whether the interest rates of major platforms are legal. If there is any illegal behavior, take the initiative to negotiate with the platform and explain The reason why you are overdue, and you promise to repay, but you refuse to repay if it exceeds 36% of the national regulations. If the platform threatens violence, you can collect evidence to defend your rights.

In addition to credit cards and online loans, you should also record in detail your borrowings from relatives and friends in real life. If you forget, just call them and look up the transfer records. In short, you must write down all the debts clearly and clearly. 2. Integrate all your resources

After you know how much you owe, then figure out what you still own. Your car, house, watch, computer, etc., as long as they are owned by you now. You have to find a way to cash in everything.

If your watch can be sold, your car can be replaced with a cheaper second-hand car. If your car can be sold for 50,000, you can sell it and buy one worth 10,000. Second-hand car, you can own 40,000 yuan. After discounting the assets you own, use the money to pay off one or two credit cards that are almost in arrears. 3. Work hard to make money, make money steadily

It is the dream of every loan holder to get a loan. In order to repay the loan quickly, some people have come up with a way to repay the loan with a loan. In fact, this method is The stupidest method is to use loans to support loans. It will only make you more and more in debt, and your interest payments will be higher and higher, which will not help you repay the loan quickly.

The best way to get a job quickly is to work hard and make money. When there are no better and more profitable job opportunities, work hard at your job first, and work part-time while looking for a new job. Only in this way can you not waste time or delay making money, and only in this way can you get on board quickly.

Many people think that they can’t make a lot of money at work and can’t go ashore, but if they start a business or invest, the risks are difficult to control, and a little carelessness will only add fuel to our fire. If we are not 100% sure, we should not start a business or invest easily. You can make small investments, such as setting up street stalls, live streaming, etc. This kind of low-cost start-up not only has controllable risks, but the most important thing is that the profits will be considerable after success. .

Finally: Overdue loans and heavy debts are not a glorious thing, but you should not resist alone. You should take the initiative to explain clearly to your parents, do not let your parents worry about you, and also let your parents rest assured that you Know that you were wrong, and promise to correct it, and work hard to make money and repay the debt in the future. It is normal for people to have ups and downs in life. Don’t give up on yourself and feel sorry for yourself when you are at the bottom. You must bear the burden and move forward. It doesn’t matter even if you walk slower. As long as you are moving forward, you will eventually climb ashore. of.