When you are in debt but have no job, your heart is broken at this moment. When life closes a door for you, faith will open a window for you.

Your experience reminds me of my time in college. During my freshman year, my family could barely support me in studying. When I was a sophomore, something happened at home. During the Mid-Autumn Festival, , when the moon is full, it is the time when my grandfather leaves us.

I was really suffering that night, very tormented, and suddenly I felt like the sky was falling. Not only was it painful for my family to leave, but what was even more painful was that my family gave me all the money to go to school (just to pay for tuition). My parents were in their sixties, and my father was sixty, his hair had already turned gray, and he went out to work. Many bosses think that they are old and can no longer do the work, and the family really has no money at all. I feel guilty and blame myself.

I usually work part-time jobs to support my living expenses. I have to learn knowledge well and find time to do part-time jobs at the same time. Many times I am too busy to keep up. Sometimes I don’t want to get up when I go to bed, but life still has to go on. , gritted his teeth and persisted. My life was already very difficult. I thought a lot that night. I called my father at two in the morning. He was speechless. I understood his mood. Later, I comforted him and said, I still have money here (actually I had no money at all), and the next day I scraped together more than 10,000 yuan. Settle grandpa’s funeral affairs.

Later, when I returned to school, I did well in what I was supposed to do and learn in class. After class, I went to work part-time. What was the force that supported me? I thought it would be fine after that. With this belief, I paid off the money in one year and found a decent job after graduation.

Looking back now, I feel sad and helpless. Didn't I come here too? I sincerely hope that I can be with you now, when you are heavily in debt and have no job. What to do and how to adjust your mentality are the key.

Debt means that others will lend you money because they believe in your ability. At the moment, if you have no ability or vision, others are really unwilling to lend to you, so they lend to you. Yes, what you borrow is a debt and what you pay back is a favor. Please cherish it.

Self-reflection and adjust your mentality

Be confident. If you don’t have a job, you can find another one. It’s no big deal. The real enemy is not things outside you, but yourself. You have to rely on yourself to strike. Hard in itself. Strength is the way to go.

Choosing the right industry can make a comeback from scratch

When you are in debt, the most important thing is to solve the problem of survival first. Like me, I had a debt of 400,000 in 2018. At that time, I was really desperate. I had no choice but to work part-time to earn living expenses. At the beginning of 2019, I found a side job. Of course, it was the kind where I didn’t invest money. I didn’t have the money to invest [face covering]. After a year of hard work, I paid back 360,000 yuan. This year’s goal is to deposit 500,000 yuan.

Not necessarily the side job I chose is suitable for everyone, but I think you should not invest in anything after you are in debt. It is too difficult to start a business in this era. Work hard, Saonian! ! !

I have seen too many cases of debt on the Internet. Some are caused by entrepreneurial failure, some are caused by diseases, some are caused by online gambling addiction, and some are caused by excessive consumption. Behind everyone's debt, there is something behind it. The bitter tears that remain unspoken, let’s put aside whether they are right or wrong for now, do “people” have to live? So how can you properly relieve stress and channel your heart? First, learn to save yourself! Just save yourself first! As the saying goes: If you keep the green hills, you won’t have to worry about running out of firewood! As long as we are still alive and fighting, everything has just begun.

The most important thing right now is survival! Make money to survive! I admire those friends who have problems with their survival and are still considering the issue of face. If you can’t let go of the vanity in your hands, how can you free up your hands to welcome the future?

Find a job and do anything! It doesn’t matter if you work hard and get tired! As long as you can make money and don’t have time to spend money, that’s fine!

Don’t think about how to pay back the money, what to do, etc. all day long. Don’t think about things too extreme and go to extremes. This will easily make you suffer from depression! Don’t be afraid if you suffer from depression. Remember the following steps.

Free up unnecessary memory in your brain and fill it with courage, knowledge, energy, self-control, time and other things.

Let the sunshine shine into your heart, and let the courage instruct your brain to make correct judgments!

Here I recommend a few books to everyone, very useful books that I am also studying.

1. Time management 2. Self-control 3. Murphy’s Law 4. Everything is arranged

Read these four books in my order. I hope they will be useful to you. Thank you for your help,

Next, I will tell you the following three things not to do!

1. Don’t be picky about everything, because you don’t have the right to choose! You are still picky when you are starving? Then you really deserve it! All big things start in small things!

2. Don’t feel arrogant! Let go of your previous status and start from scratch. Some friends who are in debt are already close to middle age or already middle-aged, like me! Do you have the nerve to pretend to be cool with young people? Which one is bigger? I think you are very old! Big temper! Big debt! We must learn with an open mind and strive for a better competitive environment. Otherwise, I would be photographed on the beach.

3. Don’t give up your principles and violate your conscience just for the sake of success. Some money should not be made, but you can’t make it! Don't continue to deceive innocent people for your own sake!

One question we should ponder deeply during this failure experience is: Why did I become like this? What is the cause and what is the effect?

You must believe that there will be a window of hope even in difficult times. You must believe that tomorrow will not be worse than today. If it can get worse again, then today's badness will be nothing!

Today we are talking about this. Friends who think what I said makes some sense, please give me a double click to comment and follow me!

No one’s life is smooth sailing. There are always times when life is successful and times when life is frustrated, and money is the most representative of a person’s success. Many people don’t know how to get out when they are frustrated. The low point, such as being heavily in debt and having no stable job, makes many people wonder what they are doing and see a bleak future.

Due to the rapid increase in housing prices in recent years, many families A family usually collects enough money for a down payment to buy a house. Now, according to statistics from the real estate sales department, more than 90% of consumers choose to buy a house with a loan. After buying a house, the family saves money and saves money. Monthly loan repayments will lead to heavy debts if something happens to the family. For example, if someone in the family gets sick, it can bring a family back to before liberation overnight.

In addition to housing loans, the promotion of early consumption has also been in full swing in recent years, allowing many people to learn to overdraft their credit in advance, such as applying for credit cards, loans, online loans, etc. Of course, they use money. It feels good for a while, but when you finally need to repay the loan, you feel all kinds of pressure. So when you are heavily in debt and have no stable job, how should you make a comeback? In fact, many people are in debt and owe dozens of dollars. When you earn tens of millions, when you don’t have a stable job, when you are being pressed by banks and creditors every day, you are the most upset. You don’t know how to make money. You sleep at home every day thinking about how to make a fortune, but the world There are several people on the Internet who are able to make a fortune, and they all earned it through accumulation and accumulation slowly. When you are in debt, don’t think about how to pay back the money, but think about how to protect your life and have enough to eat. , the comfort of sleeping is thinking about making money, otherwise you will never have the energy to think about making money.

Whether it is money owed to a bank or a private loan, you need to truthfully report your situation to your creditor and ask them to give you time to make money slowly. If they still press hard, then only Go away, change the city, start from the most ordinary worker, don't struggle at home, many people have been brilliant, what kind of leader, manager, social brother, but no matter how brilliant you were, When you have no money, others still look down on you. At this time, you have to let go of the past and start everything from scratch. Back then, Shi Yuzhu of Giant Group was in debt of hundreds of millions of yuan. Didn't he finally make a comeback? And Huawei's Ren Zhengfei was in debt for hundreds of millions of dollars. Millions, my wife is divorced, and my job is gone. Isn’t it going to be a brilliant career in the end? There are a lot of examples like this around you, the main thing is whether you can let go of your previous identity. When you are in debt, you think about how to make money, not how to repay the money. Don't tear down the east wall to pay for the west wall. This will only make your debts higher and higher, and in the end the debts will remain intact. Delaying the mood of making money, when loan sharking was rampant in the past, many people chose loan sharking. At that time, it could be said that they made a lot of money every day, staying in hotels, eating big meals, buying famous brands and driving luxury cars, but in the end the creditors ran away. , I also became heavily in debt, but I just couldn't let go of my former identity and was unwilling to work down-to-earth. Even if I borrowed money, I still thought about high consumption, which led to me accomplishing nothing in the end and my debts became higher and higher. Why do creditors run away? It’s because they haven’t raised the money yet. Maybe others, like you, just want to change places and start from scratch, thinking that they can make a comeback one day, instead of like many people Same, waiting hard at home, thinking about how to make a fortune that day. In fact, when you are heavily in debt, face is not so important. If you have no money, no one will look down on you. If you are poor in the city, no one will ask you. If you are rich and have distant relatives in the mountains, this This sentence is very realistic. Even if you start as a waiter, when you can put down your dignity and make money that day, it means that you have grown up and will have a chance to make a comeback. Debt is not terrible. The most terrible thing is that the mentality is no longer good. As long as you can endure hardships and stand hard work, a comeback is not a dream at all.

First find something to do that can provide you with food and clothing, and then think of other ways later. However, people must live with dignity, and the money they owe must be paid back, so that they can hold their chests high and live a good life.

Nowadays, it is true that many people are in debt, especially for credit cards. The application threshold for major credit cards is too low now. Anyone with a job can apply. Some people have dozens of cards. If you have too many cards, you will naturally have more liabilities.

I read reports before that the amount overdue for more than half a year in the first half of 2019 was more than 90 billion, which was more than the whole year of 2018. Nowadays, working wages are generally not high, especially those born in the 80s and 90s now generally have mortgages, so their income is basically used to pay off the mortgages, which seriously affects normal life, so I have to use credit cards to save money.

I won’t talk about others, but I have seven credit cards. It turned out there were more, but I later canceled several cards.

Up to now, I still have more than 150,000 in credit card debt. The reason for the debt is not because I pursue high consumption, etc. The main reason is that my children need a lot of money to go to school. I usually use my salary to pay off the mortgage and daily expenses. I don’t have much savings, so I just Now that you can use credit cards, even if the elderly are sick and hospitalized, they can also use credit cards for emergencies. I have already repaid part of it before, and now I am using the repayment software to maintain the rest. I pay a monthly fee, and some of them are paid in installments, and the installment interest is not low, but I don’t dare to overdue, as my credit report will be affected. In the future, it will have an impact on my children's schooling, military service, and political career, including my own future.

I saw an article before saying that now the bank will not sue if the credit card is less than 50,000 yuan. It is not clear how it will be specific. The best solution is to make more money to pay off the debt and pay it off early. Now that the income is less, it is basically There is not enough interest, so I now work two jobs a day, or it can be counted as three jobs, because I have a side job developing. I wake up early in the morning and am busy until I close my eyes in the middle of the night. It’s very tiring, but there is nothing I can do to pay off the debt, there is still a mortgage to pay, and daily living expenses. Therefore, life is not easy for young people nowadays. The most important thing is that they are squeezed by mortgage loans and so on. Work hard, make money well, there is no obstacle that you cannot overcome.

How to improve your own value and how to make your life rich and colorful. However, the reality is cruel, impetuous, and your world is filled with desires.

My own real experience, as a normal office worker, for a better life. , lost myself, and allowed some evil-minded people to defraud more than 4 million yuan. Facing such sudden debts, my life and family fell into a dark abyss, but being depressed and confused is not the solution. Go out through your own efforts

Therefore, I have summarized a few points based on my own experience, just to share with people who are as helpless as me.

1. First of all, the mentality. Since being trapped in debt is inevitable, pain and irritability are inevitable. However, if this continues in the long run, there will be no better results and will only make ourselves sink deeper and deeper. Then we need to adjust. Mentality, don’t think about these annoying things, relax yourself, read more books, read some inspirational articles about how failed people turned around, communicate with more people, and deal with some positive people.

2. Clear handling of debts. For credit cards and bank loans, it is best to communicate with the bank, mainly saying that you are indeed unable to repay, and negotiate long-term installments. Pay attention to the loan plan and explain that you have a strong willingness to repay. If the bank does not agree, then there is nothing you can do, just let them handle it. Maybe you will be afraid of suing or lawyer litigation. In fact, don’t worry too much. Even if you go to the court, you will be Your actual situation will be discussed and dealt with. Of course, if your family, friends and relatives have funds to help you, it is better to solve the problem through them than to owe others.

3 Regarding the debts owed by online loans, it is necessary to distinguish between those who are credit-worthy and those who are not. Those who are credit-worthy are best to find ways to pay them back. If they are not repaid, it is better to negotiate and pay them back slowly. For those who are not credit-worthy, it is best to pay them back. , don’t pay it back. Phone calls and collections are inevitable. If you can’t even pay the bank, why do you care? Remember, we are like springs in this situation. If you are soft, the other party will be hard. If you are hard, the other party will be hard. There is nothing you can do, just fight to the end

4. Finally, you have to look at yourself, how to make money and support yourself, then it is nothing more than starting a business and working, because the current situation is The situation is that working for others is still stressful. Don’t look for high-pressure jobs, because the debt you face needs to be digested slowly. Some people cannot bear the pressure from the outside world. , you might as well find a job that interests you, or some physical work. As for starting a business, I agree.

If you don’t have funds to borrow from family or friends, and if they want to help pay off the debt, you might as well use the money to find a project you like and investigate the market. At least you have something to do. Do it seriously and don’t be afraid of failure.

Life can only be wonderful with hardships. Pain is temporary. You must have a cheerful heart.

Keep taking action! There is a business of redeeming mobile phone points for gifts. With an investment of about 4,000 to 5,000 yuan, you can earn 30,000 to 40,000 yuan a month. It is quite laborious, and it is a business that involves traveling around the world. It is suitable to be done in supermarkets and communities. At the same time, combined with the community group buying model, not only short-term profits are large, but also long-term benefits!

To be honest, in this era, setbacks are the most necessary. No one can grow in an ordinary way, and no one can succeed smoothly. It's just that you can't see the efforts that others put in behind the scenes.

How to reverse the failure debt? First of all, you have to face it directly, instead of hiding in a corner and secretly feeling sad, regretful, blaming yourself, and being afraid of things. It will not solve any problem. If you can solve the problem, you will not ask this question.

So how to solve the problem of being in debt? First of all, you should find a job. Only when you have something to do can you calm down. After that, you can summarize the reasons for the failure and don’t make the same mistake again.

Start all over again

If you are in debt and now have no job. As long as we have hard-working hands and flexible minds, we can still get out of the trough of life.

First, as long as we have hard-working hands at the moment, as long as we can create some value for others, as long as we can create value for others, there will be many, many rewards.

Second, if we have a flexible mind and can help others with suggestions, or create value for others from the wisdom of forklifts, we will have our own rewards.

The third is that when we participate in the current 5G era, we start a business at zero cost through the Internet, and we can also design the copywriting of the whole network marketing and display the live video through our network-wide marketing system. , you will definitely be able to obtain your own financial income.