Having a debt of more than 80,000 yuan, I don’t think it’s a big problem!

Now, if you can, make installments, find a stable job, and do some part-time work at night! If you work harder, you should be able to pay off your debt soon!

Remember not to overdue if you can, otherwise it will have a great impact on your credit report!

First of all, I am also an online credit card debtor, so let me share it with you.

Seeing that you are in a situation where you cannot afford to repay it with your current income, you are in a state of tearing down the east wall to make up for the west wall. In this process, if you can increase revenue and reduce expenditure, your income level will be greatly improved. With the increase, that mere 80,000 yuan is no longer a big problem.

What if you only have an income of a few thousand yuan a month and still have to live and pay for it? There is basically not much left, so it is not finished at all. If this is the case, I suggest you confess it to your friends and family. Get help and get it over with once and for all. Otherwise, the consequences will be unimaginable, and the hole will only get bigger and bigger until the day it breaks out, which will be very scary. Many people start with only tens of thousands of debts and end up with hundreds of thousands!

If you currently have a small savings, I suggest you pay it off one at a time, one at a time. It is not enough to cover everything in a superficial way and you will only pay off more and more! When you no longer have the ability to repay, don’t be afraid of overdue, or you may not be able to solve the problem. When you have some savings, go directly to the platform to negotiate to only repay the principal or waive part of the interest! Whichever company can successfully negotiate will pay it back first. Only in this way can the purpose of repayment be effectively achieved!

When repaying, you should also pay attention to skills and priorities. Pay off credit cards first, then online loans from large formal platforms, and finally small platforms with higher interest rates.

Whether it is a credit card or an online loan, you have to pay it back. The most important thing is to increase revenue and reduce expenditure, and continuously improve your income and ability to make money! Don't be too mentally burdened. Instead, be frank and seek help. Don't wait until it's too late for the final big explosion! I hope my personal experience and some of my own opinions can help you!

First of all, don’t be anxious, calm down, sort out all your debts, list the types respectively, and be sure to keep the interest rates as low as possible and the number of debts as small as possible. At present, it is more than 80,000 yuan, and the annual interest is less than 20,000 yuan. I believe I can go ashore.

First of all, you must stop using loans to support loans, restrain your consumption, and find ways to increase the liquidity on your hands.

1. If you are 29 years old, you should have a job. Look at your monthly income and pay off the money with an annual interest rate of more than 20 first. Pay back the money with a low limit. Don’t use the money you paid back. Don't even think about borrowing it, because usually such a loan has a low limit and high interest. If you pay it back a little late, your address book will explode.

2. If a certain card can be used repeatedly, don’t worry, because these will not directly explode the address book, and there is a transition period in the middle.

3. Find a part-time job in your city. You can deliver food, run Didi, or drive for you. You can do part-time jobs during holidays. In a word, you must open up the source and get more part-time jobs. Make more money and ensure that you can repay the interest while using the extra salary to repay the loan.

4. Reduce unnecessary expenses as much as possible, such as replacing mobile phones, buying clothes, treating guests to dinner, in a word, reducing all unnecessary expenses.

5. Believe that you will be able to get ashore, and that you will be able to bear the consequences you sow.

Hello, friend, it doesn’t matter whether your 80,000 is the principal or the principal with interest. The amount is not much, and it is an online loan, not a credit card, so you don’t need to worry about credit card fraud. problem.

The more you pay, the more interest you pay. This is what happens when interest rates skyrocket. Don’t worry. It’s very likely that it has already exceeded the legal red line, and that is invalid interest. They won’t even pay attention to it if you go to court. All you have to do now is to adjust your mentality. Okay, go short, don't talk to them, don't worry about debt collection, just make money, try every means to make money, and don't pay back as much as you make, because the interest will be deducted first, and the principal will be deducted at all. What has not decreased is completely Yang Bailao. You have to save all the money you earn and accumulate it. When you have saved enough online loan principal, pick up the phone, call directly, and tell the other party straight to the point, as long as the other party can Cancel all fees other than the principal. You have a way to settle the principal in one go. You don’t need to say anything else. Usually the people who answer the phone are customer service and have no say. However, they will convey your wishes to the person in charge. , people who have been overdue for a long time will accept this request, not to mention online loans, banks and credit cards will accept it. It's the same between us privately. You lend money to others and the interest is agreed upon at the beginning. But in the end, the other person has no money to pay back. Not to mention the principal, the interest is gone. At this time, what you worry about is not whether you can earn interest. , what you are worried about is whether you can get your principal back. If it takes three to five years, you will definitely be eager to get your principal back. How can you ask for any interest? You will be lucky to get your principal back.

Paying off more and more online loans means that you do not have the ability to repay them in the short term, because online loans are generally short-term equal amounts of principal and interest, and the interest rates are very high. It is recommended to get a regular mortgage loan from a bank to fill all the holes in the house. The interest rate of a regular mortgage loan from a bank is only about 5 per annum, and the repayment cycle is still long. You need time to change space now. Of course, it would be better if you can find friends and relatives to transfer it

If the interest charged by a small lending platform is too high or if you borrow 10,000 and only get 8,000, you can report it to the industrial and commercial department because it is suspected of illegal lending. You can not repay it. If it is Alipay's money, You must repay the IOUs from BeijieBai or JD.com, as well as the credit card money. You can first ask your relatives and friends to repay it first, and make money to repay your relatives, otherwise no one can help you.

Before repaying debt, here are six suggestions for you:

1. Be sure to sort out your debts and try to transfer them all to one platform to pay them back slowly

2 .Don’t borrow new debts to repay old debts, and do everything you can to make money.

3. Don’t pay back all the money you have, then continue to borrow money to live your life, and don’t place all your hopes on “what may happen.”

4. No matter how bad your finances are, you must squeeze out a little money for financial management.

5. You must be positive about life. No matter how bad it is, you must be positive about life. A positive energy aura will really bring you good luck.

6. If you really can't bear it, you must tell your family that you will find a way to fill the hole first, and then you can slowly compensate your family - there is hope in people.

All the haze will pass. Face life positively, let go of your body, clarify yourself, and everything will get better and better!

Here’s some advice for those who only have a little money to borrow or spend:

Don’t spend too much! Don’t spend too much! Don’t spend too much!

The interest rate on online loans is too high, so you have to pay back the normal interest. They don’t want you to pay even the principal. Online loans are not protected by law.

There are no shortcuts in life, the fastest The shortcut is to keep your feet on the ground.

1. Sort out your debts: Sort out all your debts and see how much you need to repay every month. In the monthly repayment, how much is interest and how much is principal.

2. Plan funds: Make a consumption plan for yourself, that is, how much money you need to spend every day, which expenses are unnecessary and which must be spent, how much you earn every day, and what other ways to make money. .

3. Make a plan: How can you save money, how can you make money faster? List all the possible places to save money on the left side of a piece of paper, and list all the places where you can make money. On the right, summarize and see what you should choose next, do things closest to money, and give priority to money-making channels with a high time value.

4. Implement actions: For channels that make more money, spend more time and keep doing it; for channels that can make stable money, set a fixed time every day, just like going to work; for channels that make less money, spend as little time as possible. How much time each channel takes every day and how much money can be earned are all measured by actions.

Only when your actions are in place will all instructions be effective. Practice more. Welcome to leave messages in the comment area. Don't be anxious about debt, be calm and pay off your debt slowly step by step.

The 29-year-old has a debt of more than 80,000, and the more he pays off the online loan, the more he pays off. At this time, you should think about why the more you pay off, whether it is the high interest on the online loan or the fact that you borrow new and repay the old. I keep using my cards to support my cards and my loans to support my loans.

At this time, you should stop losses and stop repaying online loans with high interest rates, or stop using loans to support loans. If the interest rate of an online loan is high, you should choose to overdue it. First, work hard to earn money and pay off the formal online loan, and then negotiate to repay the irregular online loan and only repay the principal.

As for debt, everyone wants to pay it off as quickly as possible. But it is really not good to rush for success. First, you must have a good plan for your debts, and then work hard to earn money and pay off your debts step by step. Instead of repaying the loan quickly and being eager for success, this will make you exhausted mentally and physically, and it will also make you very stressed and make you very tired.

Remember: when you are in debt, do not use loans to support loans, but use cards to support cards. You must never allow yourself to add new debts again. You must have a plan and work hard to earn money to pay off your debts.