How can I recover the money others owe me?

When we are in arrears, as creditors, don't worry. First, we should negotiate with the other party about repayment. If the other party refuses to repay, we can collect evidence and sue him.

So what should we do if we meet someone who doesn't pay back the money?

first, the voucher must be kept intact. Lend money to others, no matter what the relationship is, you should write an IOU. If the amount is large, both parties sign a loan contract, stipulating the repayment period of the loan amount, interest calculation and the consequences of default. Second, make an agreement in advance to avoid trouble later.

remind repayment before the repayment deadline comes. If the repayment period is agreed, remind the debtor to repay before the repayment period comes, and it is best to leave written evidence, text messages or written things. If there is no agreed repayment period, you can cut off the time and remind

to settle it through negotiation. Some debtors are not unwilling to pay back the money. If this is the case, they can solve it through consultation, fill in the IOUs in time and urge them to repay as soon as possible. Third, if a settlement can be reached through consultation, after all, peace is the most important thing.

If the negotiation fails, you can only go through legal channels, and bring a lawsuit to the court of the debtor or the place where the loan is borrowed with valid loan vouchers. If the loan contract stipulates the court of jurisdiction, you can bring a lawsuit in the agreed court.

so, how do you usually save money?

the first and simplest way is to deposit one-third or more than 5% of the money into a bank card or a relatively stable fixed investment fund you choose according to your ability and habit. This will control your desire to spend more.

second, the distribution of savings, regular savings every month. You can also make an allocation, which can be a savings card. Put some money in and die. Choose a few fixed funds, the more stable ones, and put the rest of the savings into them. In this way, you can also lay eggs through the fund.

third, the fixed deposit of usual income, besides the salary income, there will be extra income at ordinary times, so put one third of the extra income into the savings fund without hesitation.

fourth, checking the savings bill regularly can help to form a good habit of saving, that is, constantly enhancing the sense of accomplishment, and you can check regularly how much money you have saved now. When you know that your money is increasing, unconsciously, you will spend less in your life, and you will keep thinking about working harder and saving more money.

Fifth, learn to delay consumption

People often find that what they buy on a whim often ends up not liking it. For example, you suddenly saw a beautiful and expensive skirt online today, so you bought it immediately, but often when the goods arrive, you will feel that the skirt is simply sorry for its price. This is the so-called impulse consumption.