I have a credit card worth RMB 300,000 and an online loan of more than RMB 300,000. I used to live in dire straits every day, but now I’m almost finished paying off the online loan. I need to reflect on what went wrong and why I owe so much money. , reflect carefully, to be honest, everything is due to your own 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 results will be disastrous!

Debt will cause you inner stress, 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?

Once 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.

All in all, reduce your own pressure, clearly understand the specific situation of the money you owe, increase revenue and reduce expenditure, and don't avoid difficulties. Only by facing them can you solve them!

Hope this helps.

I can understand your mood, after all, I have been here 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.

A few personal suggestions:

1. Sort out your debt situation and formulate a repayment plan. Those who are on the credit report should be dealt with first, and those who are not on the credit report 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.

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.

I also had hundreds of thousands of debts in 2017. 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 solution to 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 due date or the minimum repayment is too good and the minimum repayment is too good. 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 also work part-time at night to promote, and the income is pretty good. I believe that 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. It will get better gradually, 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 just takes more than a year to work hard. 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.

I owe more than 100,000 in credit cards and online loans, and it’s a foregone conclusion that I can’t pay it off all of a sudden. I can’t sleep, I’m under great mental pressure, and it will only be more difficult if my body collapses, 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 based on the existing conditions, see if you can find other part-time jobs. No matter how much you owe, there must be an amount. It is impossible to repay it. Don’t be too pessimistic. According to the current basic salary level, 3000 per month and 36000 per year. Excluding the 6000 expenses, if you repay 30,000 a year, you will be able to pay off about 120,000 in four years. In addition, I am talking about you repaying it 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, then your problem is not 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, lawsuits, and the increase in interest and liquidated damages after overdue. It’s a very distressing thing, and it will also affect our credit score. Therefore, if it is not resolved in time, it will be a triple blow to the body, mind, and spirit.

So what should we do if we can’t pay off our debt?

1. Sort out your debt situation

2. Plan your future repayment plan

3. Increase your sources of income

< p> 4. After you have the ability to repay, you can reorganize and installment through legal channels to avoid the risks and losses caused by overdue payments and return to normal life.

If you owe too much, you can’t afford to pay it back. A dead pig is not afraid of boiling water. It should eat and sleep. Try to slowly pay back the amount that will be listed on your credit report. It doesn't matter how little you pay. As long as you don't interrupt the repayment, the bank will still not rush you. If you don't get a credit report, leave it alone.