We still have dreams, what if they come true? This sentence really "hurt" many young people.

If a person has no dreams, what is the difference between him and a salted fish? It also fascinates many young people.

But after going into debt, we should be realistic, abandon the so-called dreams, and then do things down-to-earth. There is only one goal in the short term, then pay off the debt.

So let’s distinguish what a dream is:

Make a product, do something, sell it and make money, this is considered a business

Do Make a product, do one thing, and wait for 3 years to make money. This is a career.

Make a product, do one thing, and believe that you will definitely make a fortune in this life. This is your dream.

The first time I got into debt was because I was too arrogant. I didn’t understand the convenience store industry at all, so I rashly planned to build a convenience store chain franchise brand with my classmates. I didn’t understand anything and just wanted to build a brand. , talk about dreams. At that time, the conversation was about how many franchise stores to open in a day, how long it would take to reach 100 stores, and how long it would take to exceed 1,000 stores in a few years. Now that I think about it, my arrogance back then is laughable.

The store hasn’t opened yet. A team of more than 10 people has been formed first, and then a group of people go to find offices and stores. It's easy to find an office. I rented an office first. It was like a rough one. I spent tens of thousands on decorating it and buying some office furniture. Then register the company first. In those days, you had to pay a real payment to register a company. If you think about joining a brand, you would have to pay more than one million. If you don’t have the money, you can find a financial company to do it for you, and the 15,000 yuan will be gone in one fell swoop. Make a wide space and install a landline. The number must be selected and come to the door. The leopard number is over 10,000 and it is gone. Then, if you add the 400 hotline, you must have the number 888, which is a few thousand. Register the company and build a brand. I went to the design and registration LOGO trademark shop and received over 3,000 requests. Once you have your own LOGO, you have to customize work clothes, work badges, brochures, gifts, etc. The money is spent on a series of things. It seems like there are endless things to do every day, but everything hasn’t started yet.

After searching for months, I couldn’t find a suitable venue for opening a store. Originally, the team was all professionals who were very familiar with "location is the key to opening a store". At this time, I was so confident that I just found a random location downstairs of the company and opened it. There is also a Jinhe convenience store next to it. The idea at the time was very simple. Let’s open a new convenience store for comparison.

I spent a lot of money to renovate a model store, which definitely has an impressive image. At the same time, there are many business aspects, including breakfast, oden cooking, grilled sausages, etc., as well as paying water and electricity bills and phone bills. , express delivery and other services are also well connected (I learned it on 7.11, which was still rare in the mainland at that time).

But the result is very sad. The location of the convenience store is not good and there is no turnover. The company wants to build a brand. Building a brand is really a waste of money. Any kind of promotion is a waste of money. ah. My foundation is not strong enough, the company has been losing money, and the capital chain has been in short supply. But we always say that we want to be the best convenience store in the mainland.

In fact, I had no money at all in the first year. From the second year onwards, I ran the store by myself. It was not that I had no food at that time, but in order to save money, I ate expired bubbles for a long time. Junk food such as noodles.

Building a brand must be a dream, because in the short term he only has to pay and there will be no reward. We can only pay for our dreams and go into debt for our dreams.

Now think about it, if we had been more prudent and not spent money on building a brand, but simply opened a store to do business, then we would definitely be able to make money. After all, there are so many professional people who work hard. When I went to run a store, I could run the store no matter what, but the focus was on building a brand and dreaming, and a lot of money was burned unconsciously.

After going into debt, what we must consider is making money, making real money. Please put aside those things that will only make money in three to five years. The money owed must be repaid, and we must move forward with debt. , without real income, you will definitely not be able to go far.

After getting into debt, we have to start from a small business, constantly verify our judgment and vision, and do it slowly. Many people are thinking about doing big business and cannot see or look down on these small things, so this is our opportunity. Serve their dreams and think about making some real money by starting your own small business.

In any industry or market, if you can start small and achieve the best, then small money can turn into big money. A journey of a thousand miles begins with a single step. The more debt you have, the more cautious you must be, lower your expectations for your "dream", and work hard to do small things and small businesses around you. The future is also promising.

I am a financier, a financing consultant by your side! Do you have any “dreams”? Welcome to chat