I dare not think about it in recent years. I spent the first half of my life carefree. Enter the second aunt's age, fall from the sky to the ground, and even be smashed into the basement!
Initially, I opened a jewelry store in Wanwen, and I had a stable source of customers. The "gods" who love my craft spoil me, and I also spoil my customers. Enjoy all kinds of pearls and jade treasures every day, enjoy praise and collect money every minute.
It's good to have such a happy life. I am satisfied, too. With the growth of age, no woman wants to be young forever. I also hope that I can freeze my age forever and not get old. I like to be surrounded by praise. I believe I can do better than I do now, and then I joined the army of WeChat business vigorously.
Unexpectedly, it is such a simple pursuit that I have fallen into a hopeless situation. Some investment partners and I are optimistic about an anti-aging product, plus the popular financial management model. At that time, I looked forward to the coming success every day and felt that I had stepped into the billionaire club with one foot! In the last battle of 20 17, I was going to close the door for the elderly, but I didn't expect the "financial management model" where I put all my weight on it to collapse! Plates! Yes!
I successfully changed myself from a "rich woman" to an "ungrateful woman"! From 20 18, the economic situation went from bad to worse. By the end of 20 19, before the COVID-19 epidemic, it finally went from assets of more than 20 million (abundant cash flow) to liabilities of nearly 2 million!
Holding a credit card in my hand, all the high-value credit cards that I used to be proud of were maxed out, which became a burden that overwhelmed me. Credit card online lending is the last repayment date almost every month. Three-finger-wide notebook full of repayment information, intensive phobia.
One by one, the shops are gone, the houses are gone, the studio rents them and takes the children to the floor, all the cards are struck by lightning, and even nearly one million insurance policies are taken away.
Because it is a partnership, all my friends around me are in trouble. Good friends who are familiar, unfamiliar or think they are familiar with each other, tear their faces in front of interests, blame each other, hit people when they are down, leave and fight with each other. ...
At the end of 20 19, the last straw that crushed the camel appeared, and CCB stopped using it after I paid off the temporary quota of 60 thousand! This 60 thousand is the amount I temporarily poured out from everbright! Ah ah, crazy, Everbright became the first lightning storm, and my quota of Everbright was 1.6 million. Since then, like the domino effect, a series of more than one million credit cards plus online loans have been overdue.
These three years, right and wrong have really seen through all kinds of life, just drink water. In the face of money, I also realized a lot of life truths, and saw what it means that the phoenix off the shelf is not as good as a chicken; What do you mean, the world is getting worse, and people's hearts are not ancient; What do you mean, it's cool when people walk away? It also forced me to grow up from a "stupid white sweet". I clean up the mess myself, close the shop, sell the house, pack, move, fight with partners and banks. I really don't know how I got through it. Now I am a menopausal aunt with a hole in her body.
Thanks to my son, he didn't care about his mother at all when he needed money most in high school. He complained that I didn't say a word, did his own thing quietly, and even went to work as an hourly worker without telling me during the holidays. He is not yet 18 years old! I also want to thank my patients. In order to get rid of debt and avoid more harm, we have no legal relationship, but he still cares about me and takes care of me. I am most grateful to my parents. The starting line is too important. My father and mother are my strongest financial backing. They asked me to go home at a critical moment and raise my son for me, so that I could calm down and reflect on myself after eating.
Parents are there, but there is still a place to come; Parents are gone, and there is only the way home. Mom and dad are almost 80 years old, but they are in good health and can take care of themselves completely. In the past six months with the old people, I deeply realized this sentence. I don't often travel around my parents. Kindness is the greatest wealth.
I am deeply grateful to all my teammates or opponents who have made me grow. I believe everything is the best arrangement. Let me make it softer. The tighter the spring is pressed, the greater the rebound force.
I am 46 years old and have a debt of more than 3.8 million. I used to do book wholesale, with an annual profit of at least 600,000. More than 3.8 million people are in debt due to the renovation of black houses and investment projects.
If I hadn't blindly built a house without going through the formalities, I would have believed that my friends had ruined all my investment projects. I won't have nothing today, and my debt exceeds 3.8 million.
I have a beautiful wife and three lovely children. If I hadn't failed in my investment, our family would be very sweet and happy now.
In 2009, many people built black houses in the suburbs of our provincial capital, and I couldn't help feeling that I was going to move. Spent 552000 yuan to buy a piece of wasteland of 1 150 square meters, and renovated a two-story semi-black house of 1370 square meters.
Due to the lack of budget, I borrowed 600,000 yuan from a local private person to pay back the cost of materials and the wages of workers. It is agreed to pay interest of 42,000 yuan per month.
After failing to repay the principal and interest in time, the more you owe, the more you repay the interest. Finally, the house was sold to the local people, leaving 800 thousand after paying off the debt.
Later, during the National Day of 20 10, I spent half of the down payment of 700,000 yuan to buy a facade.
20 10, 10 In February, we spent 320,000 yuan to buy another 800 square meters of land in the suburbs of our provincial capital and began to build a second house.
The second building is estimated to be 560 square meters with six floors. Finally, due to the increasingly tight policy, only two floors were built, and no more can be added.
On March 20 14, several friends around me did a good job in the project. I happened to meet one of them and said that his next project was completed with a guaranteed profit of 20 million. I still need to invest 2 million yuan. Asked me if I was interested.
I discussed it with my wife and thought it was a good opportunity. At that time, we only had 50% cash, sold our second black house 1 10,000 at a loss, applied for a bank loan credit card, and pooled 2 million investment projects with friends.
Soon unfortunate things happened, the construction safety was not in place, and several people died in the landslide. After thorough investigation by the government, the project procedures are still being processed. Blocked by the government indefinitely. In order to compensate for work casualties, he sold all his RV property and owed more than 3.8 million in debt.
After I was in debt of several million yuan, I misappropriated all the money from book wholesale, so I couldn't do it anymore and the company was forced to close down.
Without income, my wife and I can't even afford the minimum repayment of nine credit cards. Three bank loans and a dozen small loans cannot be paid in monthly installments. Debt concentration broke out, and collection companies took turns to appear. At the peak, we received more than 300 collection calls every day.
I was almost dead in those days when I was taken away. If there is no 80-year-old mother above, there are three underage children below. Speaking of being afraid of your jokes, my wife and I even have plans to die if we can't sleep at night.
Decadence belongs to decadence, depression to depression, but there are still so many concerns, how can you walk away?
Death is not terrible, but it takes courage to live!
Subsequently, the creditors sued one after another, and the court froze the bank card, which made it impossible to punch in the salary, which led to the company that was returning to work.
There was a time when I was very confused. I had no place to find a job and no money to do small business. There is no stable source of basic rent and living expenses.
I think many people really can't imagine that children often eat the last meal without the next meal, and they can't get dozens of dollars for colds and fever.
After a short period of confusion, you still have to cheer up to survive. My wife took two young children back to her hometown to study and do odd jobs such as distributing leaflets and driving buses for tens of dollars a day.
I am looking for a job in the provincial capital to take care of my eldest daughter in high school. I worked as a driver and sorted in the warehouse of a courier company. After work, I set up a stall and work part-time online. Take time to learn how to make money.
I have made a timetable for myself: I sleep for five hours every day, and my daily work and part-time work and study are kept to a minimum 16 hours.
In addition to ensuring the rent and living expenses, the separated places will earn as much as they can every month. Over the years, it has returned about 6.5438+0.2 million.
Although it is hard, it is still far from paying off the debt. But as long as I persist, I will have hope.
In these six or seven years, my wife and I have never bought a new dress or a bag. Underwear is still worn after washing countless holes, and there is only one pair of spring and autumn shoes all year round.
My wife and I have been cooking at home for six or seven years and have never eaten a piece of meat. I buy meat at home two or three times a week, mainly for my two young children.
My wife and I often eat only one meal a day. Even if it is plain rice with sauerkraut, try to save a little. Sometimes I cook noodles, but only salt is the only seasoning, no oil, no soy sauce vinegar, no ginger, onion and garlic.
The younger two children have not drunk milk for six or seven years. They don't eat meat, KFC, decent toys, new clothes every year, and their schoolbags have been used for several years. Xinhua Dictionary The youngest daughter used her son and then used it.
Over the years, we have learned to rely on ourselves as much as possible, but there will still be emergencies, especially in the early years when children are too young. Once he caught a cold and had a fever, he said that if he had no money, he really had no money.
Sometimes you can borrow a loan of 300 to 500 yuan, and you may not be able to borrow it by making a dozen phone calls. I know too much in recent years, and there are fewer and fewer people I can contact.
Fortunately, I survived step by step.
The eldest daughter graduated from college this year and has started an internship. The eldest daughter said that after she paid off the national student loan, she would help me pay my debts.
I feel warm in my heart, but I will try my best to pay off the debts I owe. The child has just graduated from college, and his salary is two or three thousand yuan a month. Children still want to take the postgraduate entrance examination and start their own businesses, and her pursuit can't stop her.
In this case, I shouldn't travel far. How happy it would be if I could earn money in my hometown and accompany my elderly mother!
But I still have to make money to pay off more than 2 million debts, and my two young children are in primary school, and I still have to make money to buy a house for my family to shelter from the wind and rain. I am in a dilemma between filial piety and work. Choosing other provinces to make money is my biggest pain and concern.
Debt under 30 years old, may not have children;
If you are over 50 years old, you may have grown up.
These two age groups are heavily in debt and have no burden of raising children, so they can devote themselves to making money.
However, people in their forties are heavily in debt. Like me, they have three children and an 80-year-old mother. In this case, they are in debt of more than 3.8 million. To be honest, the pressure is not very great.
At the age of 40, it is normal to be in debt of several million. A few years ago, the stock market plummeted, and I lost 6.5438+0.5 million, of which the loan was less than 8 million. The pressure is great, because in addition to the principal, interest will be generated every day. A family's living expenses, several sets of mortgages, can't live without transferring hundreds of thousands of dollars every year. There was a time when I really wanted to jump off a building. But there are children to raise, bite your teeth and stick to it. I can't help it I borrow money to do futures and invest in entities. Two or three years later, I paid off more than half of the loan, but I still have some to pay off. However, there is still hope. When I sell one or two more houses, I can turn around and start all over again.
These are wonderful questions. I am an entrepreneur in my forties. I used to be in debt of more than 4 million, so I chose to answer them.
How does it feel to be 40 years old and in debt of one million? In my opinion, the questioner should know best what it feels like. What's the point of asking others how they feel? Suggestion:
First, don't let others expose the scars, first adjust your state, no matter what you feel, it doesn't make much sense.
Second, if you can be in debt of one million, you should be able to pay it back, otherwise it is fraud.
Third, it is better for you to die than to live. Whether you are in pain or not, you have to get through it, which has little to do with others.
Fourth, it is only natural to pay off debts and earn money to pay off debts. Don't talk about useless things all the time.
In a word, don't pretend to be pathetic in front of the public. Is it interesting to vent your sadness? Being a talented person is the right way.
That's all. Thanks for reading.
77, 45 or 7 years ago, I should have been 38. At that time, the debt was more than two million, and the debt was repaid for six years. He not only lost his savings for half his life, but also mortgaged his house and car, and was finally forced to sell it.
The first half of my life went smoothly, because knowing a little programming knowledge and writing a simple game plug-in was no problem, which also made me earn the first pot of gold. Later, I entered the real estate industry by mistake and started a real estate project with my friends. People say that spending money is like running water, and I make money like running water. However, Xiao He's success also brought havoc. My friend finally ran away with the money, and the money I paid and the materials I provided turned into those three cold buildings.
Not all the funds at that time were their own. A friend borrowed it and promised to pay dividends. Some suppliers are in arrears with the payment of materials, as well as various bank loans and online loans. It's a bad thing to abscond with money, and I was stuck at home the next day. Let's just say that what I've experienced and what I'm collecting now are all pediatrics. I have carried the old man and the old lady to my house. They have been living there, crying and threatening. These have all been experienced.
Most suppliers and other shareholders have sold their cars and houses, but there are still more than 2 million personal and bank loan debts. What are we going to do? Cry? It's no use. I called all my relatives and creditors to my hometown, and my dad came forward to preside over it, because it was in my dad's rural hometown. Father said a word: things have happened, you are all relatives and have no money for the time being. But we can't be blind, interest may not be there, and money will not be less. Father's family is respected and can be said to be oppressive, but what can be done? Some people cry, some people curse their mother in a low voice, and some people just look at me: how did this happen? Hey! Go away helplessly. There are also those who don't leave. In the end, they really have no money, and they have to leave a message: if you have money, pay me back first, and I need it urgently.
Friends around me get together in this way. Everyone is helpless, and I am helpless and ashamed.
Now I have paid off all my debts and bought a new car and house. I advise you not to start a business with arrears. There are many ways to raise funds. At that time, I was overwhelmed by debt. How does it feel? Never want to do it again. Fortunately, I am a pragmatic person, not an affectionate person. In the past six years, no one has contacted, bowed their heads and made money, and disappeared from the world.
Zeng's roadside stalls sell snacks to today's hosting, counseling institutions, micro-accounting, software development. I told people who are still in the mire step by step that if they want to get up, they have to rely on themselves. It is possible that you were still working hard a few years ago, and then you broke out in a few years. Just like I had no money to pay my debts in the first four years and paid them off in the next two years.
Come on, debt is not terrible. What I'm afraid of is that you don't act and insist.
If you are still in debt at the age of 40, you can basically be sure that such people have lived too smoothly in the first half of their lives and have not had enough insight into society and human nature. This kind of people, or live a life of small wealth, but whoever has a little restless heart will have nothing at the age of 60. ...
Sooner or later, people have to pay back. ...
I was 38 years old, and I was getting deeper and deeper in the stock market 10 years. I didn't calculate how much I lost. I have been looking for funds to make up my position and support my loan. After several years, I finally failed to do it in February last year. I owe 1.2 million, including credit card, online loan and private debt. I confessed to my family and had no money to help. Looking at two babies, one over 6 years old and the other over 4 years old, they didn't die after all. Now my family's incomprehension and indifference are basically the last straw to overwhelm me, and I'm afraid I can't hold on. .................
Everything is of your own making, and you deserve it. ...........
I'm over 40 years old, less than 50 years old, and I'm in debt 10 million. I am deeply touched. What you hear, see and see has been experienced for me. From pain to daily panic to extreme depression, you are heavily in debt, you can see the world clearly, and you will suddenly realize a lot of knowledge that ordinary people can't. This is the end of my life. Many people are heavily in debt and blame others. They hate them when they say who they are. They always talk about how others are sorry for themselves. Anyone who has this kind of talk can't understand why he failed. It is because of your negative energy that you are heavily in debt. People who have feelings generally start to ask for help, that is, everything is their own problem, and today's results. It doesn't matter to anyone. You are in debt, which means that you don't know financial knowledge, cash flow management, assets and liabilities, and have a serious gambling mentality. Everything you do is speculation, legal risk control, business management, financing and survival. You will die in your heart. You know your own shortcomings. You have to understand that you are in debt because you don't do well. You should thank those who make you in debt. You should thank those who avoid you. They are the people who have made you. They are the people who make you grow up. They are the people who teach you. So you should study your own shortcomings, learn financial knowledge, learn legal knowledge and learn financial knowledge. What is the story of leveraged finance? where is the money to come from? How should you design and make money? How can we make more money? How to avoid legal risk control and how to use tax saving to create wealth for yourself is the knowledge you have to catch up with;
People are divided into groups, and the struggle between people is that you know what I don't understand; I understand, but you don't; I know, you know, I did, but you didn't. This is the secret of your turning over. The secret of dealing with debt is: first solve your survival, then solve your development, and finally solve your debt. This is a step. Never borrow money to pay off debts when your own survival is uncertain. Finally, you have problems with your own survival, which means that your debt has not been handled well, so handle it well.
32 Debt 400, 40 years old, I think I have paid off and don't want to be in debt.
What happened? Grab it! Have the ability to pay debts! First of all, we must take care of our health. This is an unshakable foundation. Second, we must try not to worry about our families and live a stable life. Third, we must calm down and straighten out our own advantages and disadvantages, foster strengths and avoid weaknesses, step by step! Don't indulge yourself, it will really go bankrupt!
Remember: the tide rises and falls, but a person's personality will not go bankrupt!