In 1990, including the mortgage and credit cards, the total debt was 1.5 million, but of the 1.3 million in mortgage, there were more than 200,000 in debt. I also felt very stressed, and living in a second-tier city was also very stressful

You only have a debt of more than 300,000, which is not a large amount. I believe there are many people who are as hard-working as you, or even harder than you. Especially now, the debt rate of people in the 1990s is extremely high. ;According to some data, the current post-90s generation owes an average of 30,000 yuan. From this data, it can be imagined that there are many people who owe tens of thousands, hundreds of thousands, or millions.

Nowadays, social loans are not like those that can only be obtained from banks before. Now with the continuous growth of financial institutions, and the continuous rise of online banking, there are also various types of private lending, private loans, etc. There are many ways to get a loan. There are many places where you can get a loan of tens of thousands of dollars with just an ID card. Loans are like an addiction. The more you borrow, the bigger the loans. In the end, if you can't fix the loopholes, you will have to be on the credit blacklist, and you will be tortured to death by loans in your life. This way There are also many hard-working people.

Take bank credit cards as an example. You only need an ID card to open a credit card at the bank. When opening the card, the limit is 3,000 yuan or 5,000 yuan. However, some people open several banks at the same time in order to increase the credit card limit. The so-called credit card is to maintain the card.

That is to say, you can cash out this credit card and pay off another credit card, and then transfer the card again and again, and the credit card limit will increase rapidly. When the limit of each credit card was increased to 100,000 or 200,000, there happened to be an urgent need for funds for something, and the only way to deal with the emergency was to swipe the credit card or cash out the credit card. As a result, the limits of several credit cards were maxed out to save the emergency, and then the matter was taken care of. But if you can't repay your credit card, you have to overdue it. It's useless to be overdue. How can you repay hundreds of thousands or millions? You only have one life. I believe that there are many people who lead themselves to a dead end by taking this road. This group of people is mainly concentrated in the post-90s generation. They have been on the credit blacklist all their lives and are saddled with hundreds of thousands of debts, making it difficult to turn around.

Let’s analyze your situation again. You owe more than 300,000 yuan in debt, and it will be overdue soon. I suggest you never overdue. Once overdue, you will have a bad credit record, which will have a great impact on your future credit. Disaster. In view of your situation, I would like to give you the following suggestions:

(1) Seek help from family members or relatives and friends. First, borrow more than 300,000 from your family, relatives and friends. , repay the debt and make up for the expected loophole.

(2) Use your ability and your wisdom to work hard to make money, find a high-paying job, work with peace of mind, and slowly pay back the money of your family or relatives and friends.

(3) If you have a house or a car in your name, you can use it as a mortgage loan, and then repay the debt. At the very least, you must ensure that it is not overdue and cannot be on the credit blacklist.

(4) If you have other better ways, you can think of other ways to solve your overdue debt, so that it does not appear is the best way.

Based on your problem, we have analyzed the loan phenomenon in the current society, and also made some suggestions for you. In short, I suggest you do everything you can to avoid overdue payments, otherwise you will go to the credit bureau. Bad records, as well as interest compounding, will get bigger and bigger in the future, and you will have to repay the debt sooner or later. It is not recommended that some people end up on the credit blacklist for the rest of their lives and regret it later.

I am 85 years old and now have a debt of more than 450,000. I do not block traffic, do whoring, smoke or drink. I used to do Internet cafe maintenance. In 2013, I opened an Internet cafe in partnership with my friends and made some money. Later, I expanded the scale and invested in seven Internet cafes. At that time, I had a monthly income of 50,000 to 60,000 yuan, which was quite satisfying. In September 2015, the country relaxed restrictions on access to the Internet cafe industry. Rich people spent money to open Internet cafes. About ten companies in Changsha were able to get approval and licenses in one district per month. Later, their Internet cafe business gradually declined. In addition, in A foreign investment company suffered heavy losses due to fire protection problems and transferred all the Internet cafes in hand one after another. When digital currency first became popular in 2017, I spent about 400,000 yuan to buy a mining machine for mining. It was indeed quite profitable.

Because I fell ill and was hospitalized at the beginning of 2018, and also contracted Kreb infection in the hospital. I stayed there for a month or so. During this period, the price of digital currency plummeted, but I didn’t sell it. Later, I thought about building a mine to be hosted by others, so I found some The power station has not yet been negotiated, but fortunately it has not been completed. The price continued to plummet at the end of 2018, and everyone was confused. In 2019, I borrowed money again to open a fruit shop, but it was even more frustrating. I had a background in Internet technology and was completely unsuited to running a store. The business was in turmoil between maintaining capital and making a loss. Among them, the loan to support the loan, the mining machine electricity bill and the custody fee used up all the money on hand. Looking back, it is very sad. Now I feel extremely bad. I really feel that life must be about destiny as well as luck. When luck comes, everything will go smoothly. However, no matter what luck you do, you will make mistakes and they will continue to make mistakes...

Debt 30 I overthink the number of people who have tens of thousands of dollars, and there are even many people who have debts of more than 3 million. And the debt of more than 300,000 yuan is due and will be overdue. This may be a bit tragic. Of course, there are also many people who are overdue. At the end of 2018, overdue credit card debt exceeded RMB 80 billion. In this way, there will always be people with debts and overdue debts.

Most of today’s liabilities are related to real estate. Some of our families rushed in desperately in the past two years, hoping to take over the property at a low level and prevent their assets from shrinking. Today, they seem to be confused. I think there will be more and more people like this. The mortgage repayment of a house loan is nearly 20,000 or more than 20,000 per month. This is unimaginable in China. I wrote an article about this at the beginning of last year. But many of us were still high-spirited at that time. To them, it was just five words floating in the sky: Nothing is a big deal. The one thing that can’t stand the test of a mortgage is time. In 20 years, it will be difficult for many families to achieve a stable implementation. People may get sick, their careers may be affected, and their families may have changes. Anything can happen in 20 years.

What’s more, they borrow money for the down payment to buy a house first. The result is a credit facility that is difficult to repay. It may be overdue if you are not careful. As the title says, it is very likely that consumer credit will be used as a down payment. First, the monthly mortgage payment has started, and on the other hand, the down payment is still listed in the borrowing column. This kind of housing consumption is impulsive and has no ability to resist, putting a family on the edge of a cliff.

I think it is always unimaginable for a person to have a debt of more than 300,000 yuan due to consumption. But some people will borrow high-interest loans, such as the campus loans that were popular a while ago, or other forms of beheading loans. It is common for people who borrow 12,000 yuan to end up with a total principal and interest of 300,000 yuan soon. If this is the case. How to say it. Borrowing money is fun for a while, but repaying debt kills people. Zhou Yu beat Huang Gai. It’s illegal and hard to break free from.

Like the situation mentioned above, I want to say, brother, you are not the individual who borrows the most, but when overdue loans begin, your life will take a turn.

I also lost more than 400,000 yuan in 2015. I had no goals, and there were seniors and juniors! I understand your current mood very much! At that time, I really didn’t know what to do to pay it back!

My wife accompanied me and started over! Every day at 4 o'clock in the morning, I take a cart of 2-yuan goods and set up a stall in the city 12 kilometers away. I go home to cook chicken and roast duck at noon, and in the afternoon I sell shredded chicken and roast duck in the market! Delivery in the evening! Very hard but very fulfilling!

Later, I opened a chicken steak shop. It was too expensive to join Zhengxin Chicken Chop, so I went to work in his store to learn the technology. I bought chicken steaks from the same factory online and basically studied milk tea and barbecue. Expand store operations! Do all the decoration and everything by yourself! I bought all the equipment second hand, haha!

At that time, the delivery fee was free by adding WeChat to get food delivered. Later, nearly 10,000 people were added to the two WeChat accounts, and it also became a WeChat business!

At the end of last year, the micro-business changed its focus to produce slimming clothes and bras, and the second floor of the store was transformed into an experience center. It has done a good job based on trusting customers!

Now the store basically employs three girls, and I started to have some leisure time, only to find that I have become thinner and darker in the past few years! When we are young, we are all handsome men and beautiful women, but my wife has not changed much, haha!

I just bought a low-end Lexus es last month with a mortgage, and I’m preparing to have my third child!

When you are more depressed, you have to work harder and encourage each other

Before you find a shortcut, start with hard work! In hard work, there is often an opportunity to make a comeback!

I was born in 1988 and live in Harbin. Now I open a noodle shop with my friends and my monthly income is about 7,000. The financial management company I invested in 3 years ago ran away because I was too stupid. I have savings + credit cards + online loans* **500,000 was wasted, and my girlfriend broke up because of it, and then started a vicious cycle of using credit cards and borrowing money from the Internet. However, I have been struggling in the past few years and there has been no improvement. Now I still owe more than 200,000 in credit cards and more than 200,000 in Internet loans. Loan, because the control of credit cards has been reduced and the control of online loans has become more and more strict, the interest rates are getting higher and higher, and the store rent is about to be paid. I feel that there is no hope now. The car was sold to pay off the debt, and now there is only one left. I can’t sell a house with a loan because I can’t let my parents know about it. I can’t get a second mortgage because the risk control is becoming more and more strict. I can’t go to the bank and I can only do it by myself. The interest rate of about 4 cents and 5 cents is too high and I can’t afford it at all. Now I just want to buy it. How do I get a sum of money to pay off all the store rent and online loans, leaving only credit card installments to slowly pay off? Can any experts point me to a clear path?

Sophomore year, a loan of 80,000 yuan, every day I worry all the time about finding a school or home for online loans. To be honest, I regret it. Nine out of ten entrepreneurs fail. How can any genius earn millions upon graduation?

I really envy those of you who can borrow tens or millions of dollars, because you are all capable people. Ordinary people simply cannot borrow so much money.

In 2018, I lost tens of thousands in betting on the World Cup. I was unwilling to accept it, so I took out tens of thousands from Alipay. I won back at first, and even made a small amount in return, but I was too greedy and would not give up when I was good. I won the money steadily in three days. After finishing the stud in one night, I was suddenly saddled with tens of thousands of debts. It is a serious matter when a gambler is involved. That night I called around to borrow money and borrowed money. It cost more than 10,000 yuan, but in the end, I lost my mentality, and I always walked around without thinking. I chased three moves in one game, and my heart was pounding when I lost. I felt that I was no longer my own.

I was so frantic at that time that I only had one thought in my mind, how to find a way to win it back. So, I don’t know what I was thinking at the time, but I was so mad that I went to online loans, Gitzo, and Paipai. I had money to spend. I borrowed several anti-aircraft guns and collected more than 50,000 yuan to prepare for a big stud! As you can imagine, I lost again.

I don’t know how I survived that night. My heart kept trembling and my hands were shaking. I kept thinking, how could I lose? Set, Croatia will definitely win! How could you lose!

But if you lose, you lose. What I will face next is a debt of nearly 100,000 yuan. My salary is 7,500 yuan a month. Even if I don’t eat or drink, I can’t pay for it for a year. Plus, I still had one year to pay off my car loan. At that time, despair and fear were tormenting me deeply. I had insomnia every day, was manic, and couldn't eat! I felt extremely regretful that I shouldn't have done it, but I didn't dare to let my family know, because if they found out, especially my dad, with his character, it would be weird if he didn't break my legs!

I won’t go into details about what happened next. Anyway, I have come back to life, otherwise I wouldn’t be answering your questions like an experienced person now. I just hope that the reason for your debt is not the same as mine!

You are relatively new to this, but I have experienced too much. I was forced to resign from a state-owned enterprise in 10 years, which started my road of no return.

After I left the state-owned enterprise, I thought that I was smart and could definitely make money. Moreover, when I was in the state-owned enterprise, I was very motivated and wanted to do business and make a lot of money. Alas, the reality is cruel. It is not as easy as imagined.

I came into contact with foreign exchange in 2011. I had a longing and yearning for finance before, so I became obsessed with foreign exchange trading. I was also fooled by the so-called big guys. I thought that through study and practice, I could do it. Becoming a qualified trader is ridiculous when I think about it now. Needless to say, everyone knows how it ended. I invested hundreds of thousands and lost everything. Later, I finally understood that in fact, domestic foreign exchange transactions are basically betting on any price. In fact, it is a so-called black platform. Not willing to accept the loss, he and a few people, including a big brother who took the lead, worked together to build a platform, hoping to make a fortune from it and recover the losses. Who would have thought that there is something wrong with this big brother who took the lead and defrauded a few of us of our money again? I am really speechless. I pretended to be a trader and controlled the Mt4 platform through the background to win only my own money. We fools just Looking for money there was really in the mind of a gambler at that time. When he was in a hurry to lose, he would just swipe his credit card and take out a loan, hey hey. I also have friends who do this. They make money while I lose money. Finally, I finally found out what was going on inside and couldn't do anything anymore. I found the leader and they all admitted it, but he had no money, no car, no house, all rented by him, and he defrauded us of all the money. I went to pay off his debt. I thought I was unlucky, so I could only sign a debt agreement and agreed to pay it back slowly.

I had to live after the incident failed. Unwilling to give up, I started doing international trade with a foreign friend. I invested 100,000 and lost all my money. , even if I invest in projects, I will lose money. At that time, I wondered if I was a fool. I was hopeless and could not meet a reliable person. I was completely owed money and was responsible for nearly a million. I was listless every day. When I want to die, I feel like there are no good people in the world, they are all liars.

To be honest, that period of time was really painful. Later, I was reflecting on it and reviewing it again. Why is this happening? Why am I always unlucky? There must be a reason. God will not always treat me like this. There must be something wrong with me. At the end of 2012, I came into contact with insurance. Of course, insurance is also an important part of finance. I kept learning and reviewing. Insurance is indeed one of the safest instruments in the entire financial system. I have been persisting in this industry since then. During this period, my good brother and girlfriend also gave me comfort and encouragement, telling me not to be frightened by these difficulties. As long as I am alive, I will have hope of making a comeback. The so-called true love can only be reflected in times of trouble.

In the past few years, through continuous hard work, I have slowly paid off my debts, and also have my own family and children. Japan is getting better day by day. I have gradually gained momentum in my career and gained recognition in one field. Now I focus on overseas asset allocation and risk management, using objective, neutral and professional knowledge to help customers achieve the best quality asset management.

So I conclude that people all have times when they are down and out, and they all have times when they are unhappy. You must correct your mentality, not give up on yourself, and constantly reflect and find out the problems. Don't think too much, just do your daily tasks well every day. When you do something, you must focus on doing it well. You must be self-disciplined, keep exercising, keep reading, and study. Only with a good body can you have a steady flow of cash flow.

There are daily goals, weekly goals, monthly goals, and finally the ultimate goal, achieved step by step. There are really no shortcuts in this world, and risks and benefits are always proportional. There will be no pie in the sky. The last sentence is that things are really easy to do. It is really difficult to recruit a reliable person. If you find one, you must cherish it. I hope we can all be reliable people.

My friend Ah Hui is as miserable as you. He has all kinds of holes to fill. He presses the gourd and lifts the gourd, which makes him exhausted all day long.

Ah Hui is in his early thirties, tall and straight, and a very handsome guy. He works in a state-owned enterprise and is not married yet. His expenses are not large and he can save more than 100,000 yuan a year. He has a car for transportation and a house. His life is quite comfortable.

In 2016, a certain brand of chicken steak was very popular, and a friend asked him to make it together. They opened a joint venture in Foshan, and the business was good at the beginning, making over 10,000 yuan a month. So he felt that an opportunity had come and wanted to earn more to marry a wife, so he opened two more stores in Shunde and Guangzhou. He's on his class photo and helps out in the store at night.

However, this brand of chicken steak products is relatively simple. After having a taste of it, handsome guys and beauties rarely come back. I ate too much chicken steak and I lost my appetite when I saw it in the future. The business in his store was good for a while when it opened, but gradually the sales declined and each store began to lose money. If this continues, his salary will not be able to withstand it, so he transfers it if he can. Now two of them have transferred out, leaving only one in Guangzhou. The rent is too expensive and no one will take it over.

After losing money by making chicken steaks, Ah Fai and his partners wanted to do something else to make up for the losses. In the winter of 2017, they sold cashmere coats in Xinshi, Guangzhou. The clothes were too expensive, and working people bought few. In addition, it was so hot in Guangzhou that winter that the beauties wanted to wear short skirts every day. It would be good to sell two or three cashmere coats a day, but most of the time they were just scratching the mark. If they are not sold before the Chinese New Year, such expensive clothes will almost become garbage. In this way, more than 300,000 yuan was wasted.

Having not opened a store before, Ah Hui had never applied for a credit card. Now his various credit cards add up to more than 100,000, and they are all empty. There are also Shanghai Pudong Development Bank Universal Bank and Industrial Bank Xingxiang Loan, which require almost 20,000 yuan per month. The most troublesome thing is that the chicken steak restaurant in Guangzhou cannot be transferred. The monthly turnover is not enough to pay the rent, which makes him exhausted mentally and physically.

Now that I think about it, if Ah Hui had not opened a store, he would have had more than 100,000 yuan on hand at any time. As a result, he is still saddled with various debts. The most important thing is that it is a bottomless pit from which he can't escape even if he wants to.

Now Ah Hui just wants to move the store out and work hard, and never dares to open a store again.