Since buying a house and a car, we started to use credit cards. As long as we have such large expenses, we will use them! I had to repay the mortgage and car loan every month. At that time, I only had 606 yuan in housing provident fund. I still had to repay the rest of the mortgage every month. I paid more than 3,000 yuan for the car loan every month. How much money did I pay when I bought a house and a car? The next largest purchase is about 40,000 to 50,000 yuan!
If we only pay the monthly loan, our salary is enough to repay it, but we really cannot repay the arrears of 40,000 to 50,000 yuan every month! I had a convenient career at that time. We had to apply for many credit cards at our school. The limit was high and the application was fast. There were also small gifts during the application. At first, I applied for the card just for the small gifts. It was useless after I applied for the card. Yes, but when I need money for such a big thing, I can only swipe a credit card. When I first swiped it, I was worried about how to pay it back in the future, but when I was waiting for the money, there was no other way to solve it. You can solve it by swiping your card first! This is how I started to bear a lot of debt!
After getting married, I applied for some credit cards one after another. In total, I had seven or eight credit cards from major banks. I didn’t use that much credit at that time. When I paid the monthly repayment, I used two credit cards. I exchanged credit cards and swiped the money back. When I applied for a CITIC credit card, I was given a POS pick-up. There was a handling fee of 67 yuan for swiping 10,000 yuan. This made it more convenient for us to swipe the card for consumption!
At the end of the first year after my marriage, I gave birth to my daughter. Hospitalization was another big expense, plus the daily expenses for prenatal check-ups, the total came to about 5,000, because I didn’t have any savings in my hand, except for daily expenses. A monthly salary, but after repaying the loan, I also had to pay off the credit card, plus daily consumption. When I had a child at that time, I had to buy more things for the child, but it was better. I lived in a rural area and had nothing to do except go to work. , even if you are raising your baby at home, there are basically no consumable entertainment activities, and daily expenses are not very large. My father-in-law is still working outside, and my mother-in-law is responsible for the household expenses, and she does not contribute to the family’s living expenses!
Although we owe money, I still feel that our combined salary can be paid off within a year, and there is not much pressure. However, I feel that owing money will be a bit of a psychological burden. After all, I have lived without money. In the days of grievance, I finally felt that I had some money, but now I am in debt, and I always feel afraid that I will live without money again!
The daily living expenses at home, such as the necessities for the growth of the children, our seasonal clothes, and the filial piety of the parents-in-law, these expenses actually add up to about one or two thousand per month! At that time, I did not have any control over these aspects. My husband had never been wronged because of money since he was a child, so he was not under any pressure because of the debt. I was only mentally stressed, but I The expenses are also the necessary living expenses for the family, and there is no way to save too much! Because I was newly married and my husband wanted to behave well, I didn’t get to know his consumption concepts before we got married. At that time, we most often ate together and bought me a BBK smartphone for about 2,000. Later, because of some The reason was that the phone casing was broken, so he bought a new one. He used the old one, and I used the new one. At that time, I was only moved by his actions, and didn’t think much about anything else. It just happened that we met each other. It’s Valentine’s Day and I bought me a bouquet of roses! Just like that, I was so moved that I got married! There’s no other time when it’s too expensive! Except when I bought those two mobile phones, I felt that he spent a lot of money. It was for me. After all, I wasn’t married yet, so I didn’t think too much about it. My thoughts at that time were very simple. I would just treat me well. Be kind to people too!
I am a person who doesn’t have big ideas. When it comes to big things like this, I actually can’t make up my mind. On the one hand, it’s also because these costs are beyond my ability, so I don’t dare to do them. I decided that I am a person who can do a lot with how much money I have. I have never borrowed money from others for more than two days before I got married! You should only borrow money when you forget to take it! So when it came to buying a house or a car, we basically followed my husband’s decision. Even if we spent money at that time, we felt that it was a necessary expense before our eyes, and we didn’t have any money.
Each borrowed about 30,000 yuan, and his parents borrowed about 10,000 to 20,000 yuan for us. They may have borrowed money to do things when we got married. I didn’t know at that time!
It has been more than half a year since I paid off my credit card. I owe tens of thousands and tens of thousands every month. I have to pay off this one and that one. I spend every month in suffering. , every day I think about the debt, because it is bound to my card, so besides handing over his salary, he doesn’t worry about anything. After all, he gave me all his salary, and he has no other choice. So I was trying to pay back the card, and when I couldn’t pay it off, I borrowed money from my colleagues! My skin has become thicker too! When paying back the money, you still have to swipe the card! Although I borrowed money, I never paid it back overdue!
During this repayment period, I couldn’t bear the pressure, so I kept complaining, complaining, and blaming him! Our relationship gradually faded away. At that time, I also had to take care of the children, and we no longer had his sweetness, romance and passion! In fact, before the renovation, after I told him about buying flowers, he stopped giving flowers and instead gave me gold jewelry! In fact, I don’t like wearing this either. I bought it for my wedding and haven’t worn it much yet. But at least gold jewelry can be saved and can increase in value. I later found out that it is actually a consumable item! But every time he only buys some small beads, which cost a few hundred yuan, and they are not particularly expensive! In the end, I wore them as bracelets. After the decoration, I didn’t give them anything away. I wouldn’t care if I didn’t give them away. Anyway, as long as he didn’t spend any money, he didn’t have any money to spend at that time! All we have left is fighting over food, rice, oil and salt!
? It has been about more than a year since we paid off the credit card, and it has not decreased but increased. Our salary cannot cover the debt, and there is a certain fee every time we swipe the card! When we really couldn't get over it, his boss helped us contact the bank and got a loan of 100,000, which we could pay back in two years, with an interest of only 8,000! This was much less than the interest we paid by swiping the credit card, so we took out a loan. This was also the first time I paid off a credit card loan!
? I didn’t clear all the bills at that time. I didn’t know about the unpaid bills at that time. After taking out a loan of 100,000 yuan, I found that there were more than 50,000 credit cards in total! At this time, although our car loan has been paid off, we still have this loan of more than 4,000 per month. Including part of the house loan, the monthly repayments will be more than 5,000, but we still have a credit card balance of 50,000! Just like that, I continued to brush again and again!
? Two years have passed, and the debt of 100,000 yuan has been paid off. There is still more than 50,000 yuan in debt on the credit card. Just these tens of thousands of dollars, plus daily consumption, are getting more and more! This year we have a new baby, and the hospital is another expense, as are the annual property fees, heating fees, the child and his insurance premiums, and kindergarten tuition fees! Tutoring class fees, car maintenance fees! The filial piety money given by parents during the New Year and holidays adds up to a total of 20,000 yuan a year! This year I bought an air conditioner for the living room and an air conditioner for my mother-in-law’s house, which cost nearly 10,000! In this way, I can't pay off my debt every year, but instead add new expenses! I currently owe 80,000 on my credit card and I just applied for an installment! We are almost 40, don’t have any savings, and are still burdened with debt! Both parents are also old and have reached the age where we can support them. They usually don’t dare to have anything. Once there is a need for funds, we will be burdened with more debts!
? In the past five years, I have wanted to get rid of these credit cards, but these debts have made me want to throw them away. I usually use Alipay’s Huabei and Jianbei, these payment software similar to credit cards, can make purchases in advance. , but it is also difficult to pay back the money! Thinking about it now, I used credit cards to spend things beyond our financial ability in advance and live a comfortable life. Now I am carrying a heavy burden in this comfortable environment. It feels like a slap in the face. I can't live with it. You can buy a car in a high-end community, but you can’t afford to live here or fill up on gas! Some people also say that it is just a little more difficult in the past two years, but it will be better in the future. It is still very cost-effective to buy a house early. If you buy a house and decorate it a few years later, the cost will be even greater. Think about it, but you still have to pay every day and every month. For these loans, I don’t know how much more I paid back in terms of interest alone?
But everyone’s consumption concept is different. I feel that my husband is just like a normal person, but I can’t bear it. If I could go back to the past, I would not rely on credit cards for consumption, nor would I. So many things to do
There are so many negative news about online loans on the Internet. Although credit cards are not that serious, if you blindly spend without restraint, the interest will eventually compound until you are unable to repay it! These credit cards do provide convenience! However, everyone’s ability to use and repay should also be strictly reviewed before approval! However, for the sake of performance and more benefits, the bank will only approve the application more conveniently. As long as you use it, the limit will be higher and higher. If you don't have enough, the bank will also take the initiative to apply for installments for you. In short, you can't live without the credit card, and you will owe more and more money. Come more and more! In the face of money, I think there are not many people who can be rational, and there are not many people who can control their consumption desires. Today's college students and young people who have just started working obviously do not have the financial ability to reach a certain level. High, but their consumption of a mobile phone, a computer, traveling abroad, and a tablet computer all exceed their monthly income. Once they open a credit card, they cannot live without it, and sometimes they even go astray for the money! These news are not uncommon!
This does not mean that credit cards are not good, except for those who are able to repay them. Credit cards will be more convenient to use. Just redeeming points can save a lot of household expenses. I only redeem them for small household appliances. There are many of them! I just feel that the use of credit cards should be more strictly controlled. Is it a small matter that causes a personal financial burden? If it causes a personal tragedy, wouldn't it be very sad? Can we blame those who use credit cards? Individuals and society are also closely related. If individuals become impetuous and seek benefits at all costs, it will also cause turmoil to society! For us middle-aged people, we all have a formal salary and a stable monthly income, and we know that survival is not easy. We don’t have any excessive consumption, just a basic garage, and it also caused the debt crisis that we have been carrying for five years. , not to mention those impulsive young people! We hope that our personal experience can awaken some people to have a clear and correct understanding of their own financial capabilities, consume appropriately, and not bring unbearable pressure to their lives, nor bring burdens to their relatives, friends, and family members because of themselves. Don’t go astray and cause irreparable losses!
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