Why are so many people in debt now? Why do some people commit suicide with a debt of 300 thousand?

20 15 10 I owe 5.88 million yuan in debt due to poor management as an online merchant. I didn't have any bad ideas at that time. I just feel that my investment direction may be wrong, and I went to this project blindly without knowing anything. But the money is owed, what should I do? Just make money! How can I return it?

I began to re-examine myself and evaluate myself. There was really nothing at that time. The house is an auction house, not to mention the real estate license. Didn't even give me the house. The house I live in is still rented, but I have a car, more than 100 thousand. In addition, there are these debts that must be solved.

So, I began to ask my friends to explain my problems frankly and borrow money from them. At the same time, tell people that I am robbing Peter to pay Paul. I will help if I can, and I won't hate if I can't. It may be caused by my consistent style of doing things. Some friends lend me hundreds of thousands, some friends give me tens of thousands, and some friends don't. However, as long as I asked, most of my friends lent it to me.

In this way, while borrowing money to pay off debts, I found some small projects that I could do. I didn't deliver the food, just found some small projects that I thought I could do. 20 16, a friend who owed me money also lost money in business. He came to me to explain the matter and said that the 60,000 yuan he owed me could not be paid for the time being. He mortgaged his wife's gold ring, necklace and bracelet to me, saying that these things could cover 20,000 yuan, and the rest would be paid back to me slowly. I looked at it and asked him to take it back. On the spot, I said that the money was not urgent, and I really didn't want it if I couldn't pay it back. Although I owe so much foreign debt, I still made my attitude generous and firm. Hearing this, my friend was moved to tears on the spot.

Perhaps my kindness touched God, and this friend later helped me start a project. Now we are getting better and better. Over the past few years, more than 4 million yuan has been paid back, leaving more than1million yuan, which will be cleaned up soon.

Share a real case:

There is a factory owner opposite my home, less than 40 years old, who has been doing his own business diligently. Many middle-aged people around us are unemployed and all work in his factory. Although he is a factory owner, he can get rid of all social activities at ordinary times, plus he is not good at drinking and smoking, and he loves fitness very much. Everyone has a good reputation for him.

Something happened the year before last, and the factory suddenly closed down!

It turned out that he was addicted to online gambling the year before last. ....

His family just watched him spend more time in front of the computer, but he didn't expect to be addicted to online gambling. After all, gambling there is also offline, and there is little online contact.

Online gambling, if anyone knows, will know that the frequency of each game is particularly fast. For example, 1 min. So you can imagine how much money you will lose if everyone participates in such a case. ...

Finally, according to his family, he had only been in contact for three months, lost millions and was heavily in debt, and finally the factory had to close down. ....

In real life, people in debt are nothing more than:

Gambling lost, investment failed, or entrepreneurship failed, and some people were heavily in debt because of excessive consumption and borrowing a lot of online loans. ..

Some liabilities are benign. For example, Xiao bought a new car in full and borrowed some money from friends. But small, with strong working ability and high income, it will be paid off soon.

Some liabilities are not benign. For example, Xiao C borrowed money to start a business and lost hundreds of thousands. Originally, Xiao C's own ability was average, and his family's support for his business has helped a lot of money. In this case, it is difficult for Xiao C to pay off his debts.

It is precisely those who can't get through the debt that are unhealthy.

Not enough. Anyway, in the face of these things, we still have to adjust our mentality. The sky hasn't fallen yet. We must believe that there will always be a way.

Summary:

If you want to be safe, you need less debt, rational consumption and investment, and you can't start a business blindly. Take the catering business as an example. If you have no experience, don't go in blindly. Open a catering business casually, 65438+100000. This 65438+100000 will be accumulated for a long time for wage earners.

Well, that's my opinion on this issue, and I hope it will inspire you.

One of my former bosses was a great man! That was five or six years ago, and business was good. The company of hundreds of people is under great pressure, but he has a creed that he will not default on employees' wages and will not dismiss employees at will. Because of the need for a new project, the company's funds are suddenly tight, and bank loans have great restrictions on private enterprises. So, the boss mortgaged his three houses and borrowed 30 million to invest in this project. Moreover, this project is also a long-term operation, so much money, to be honest, who is to blame for not sleeping at night?

On the contrary, boss, what should I do? I am either anxious or complaining. I asked him strangely, if he didn't repay the loan, his house was gone and he didn't make any money, why did he make himself so tired? He said unhurriedly that most people would think that we are as capable as we are. Sometimes making money depends on opportunities, and there is also an element of luck. Debt is the present performance, but behind it, we can seize the opportunity and create new conditions for making money. What's to be afraid of? !

In reality, on the one hand, many people have no awareness of risk control and are not ready to relieve the life difficulties and business bottlenecks that may be caused by bail-outs. On the other hand, it seems risky, but what is hidden behind it is a new development space that ordinary people can't observe, which should be reconciled with the old saying "Don't worry about too much debt"!

I have left this company for several years, and now I have contacted several colleagues. People are not only not dragged down by debt, but also paying back money to do business. With such a big epidemic this year, people will pay their salaries as usual, and there will be no pay cuts or layoffs. Let's take a look at some companies of the same size around me. As soon as the market is in trouble, they are scared to sleep day and night.

If there are hundreds of thousands of people in debt in reality, there will be more. Open a small convenience store, more than 300,000. Choosing to start a business doesn't seem like much investment. You don't have to clock in all day at work, you should study more. Everybody's having a hard time. Why can you live alone and make a lot of money? Some people make a little money by physical strength, and then they swell up, thinking that big market and big business are not a problem. If a diver dives, how deep the water is, they will drown without turning over a few times, and their intestines will regret it.

Therefore, in the face of such things as debt, people with more debts have more preparations to make because of their large pattern and high risks, and their ability to deal with emergencies will be stronger and their chances of success will be greater; There is not much money, but you are risking your life. So reckless, reckless, it's either death or death. This is not a risk, but a disaster. When a big wave comes, there is nothing you can do, and you will fail.

Do what you can, don't do anything stupid! Investment is risky, and liabilities need to be cautious!

People who commit suicide with a debt of 300 thousand are likely to have poor psychological endurance and lack confidence in themselves.

Let me start with an example of my colleague's sister.

My colleague's sister used to be a sales director in a hotel, and her monthly salary was basically 20 thousand to 30 thousand. After resigning in August this year, she rested at home. As a result, I was eager to get rich and was cheated into the stock market. Just last month, I was cheated out of 300 thousand. This 300 thousand is still borrowed.

It stands to reason that her previous income was not low, so she should have some savings. Yes, there is. It's just that she bought two houses, paid the down payment and paid the mortgage. She has no money on hand. She borrowed 300,000 yuan from three friends to invest in this stock group, and she lost all her money.

She sank for half a month, reported the case, went to the police station every day, and joined various rights groups. It's no use. I can't get it back. She was anxious to pay back her friend's money, because she only said she would borrow it for a few days and didn't want to break her word. She is under great pressure and wants to sell her new house to pay her debts. It was not until last weekend that I made up my mind to find a new job and make money to pay off my debts.

Back to this question, there are two main factors that affect the debtor's behavior:

Debtor's mentality after debt.

If he has a good attitude and can get things over with, then he will naturally feel that this is only a matter of 300 thousand, and there is nothing that money can't solve. So he will soon get back on his feet, work quickly and make money to pay off his debts.

If you belong to that kind of narrow-minded, brain-dead person, 300 thousand debt is like a mountain. He may eat, sleep and walk, and he will think about it. The pressure is so great that he has no time to think about the future at all, and even can't breathe. If the debtor continues to immerse himself in this depressed mood, he may commit suicide for some time.

Confidence and profitability of the debtor.

If the debtor has the ability to make money, the annual salary is 10 to 200,000, and after a few years, he may earn 300,000 to pay off his debts. This 300,000 is nothing to him.

If this person's earning ability is poor, he can only earn a few thousand dollars a month. Then it may take him more than 10 years or even longer to pay off his debts. Too long repayment period will make debtors feel hopeless in the future, which will lead to despair and may lead to the loss of all their money.

Creditors' requirements for the repayment period of debtors.

You can discuss the repayment period of money borrowed from relatives and friends. If it is a big deal, you can pay it back slowly. Even if the interest rate is high, at least one layer of human relations will not kill you.

People who borrow usury are often chased by debt collectors. Some people try their best to pay their debts, while others are forced to look for short-sightedness.

Borrowing usury is risky, so be careful.

To sum up, in fact, it is more a matter of mentality. Many people are in debt of hundreds of thousands of millions, but they should still eat and drink every day, which will not affect their normal lives. Even as an old lai, I feel at ease and have no intention of paying my debts. It is not that such people are right, but that life is precious. As long as they are alive, there is no problem that cannot be solved.

I know a boss. He is in debt/kloc-more than 0/0 million, and he can't even pay the phone bill at ordinary times. He always asks us for money to help him pay, but people usually drive a6 to our company for tea. I asked him how much money he owed and no one recovered it. His answer is also very simple.

Of course, some people collect debts, but any money in his bank card will be taken away by others, so his mobile phone has no phone bill, so he asks his friends to help him recharge it. I asked him again, can you still drive such a good car? He said that the car belongs to the company, and no one touches the company's things.

I wonder why no one auctioned off his company, because he owed so much money. His answer also shattered my three views. My company is worth millions, and I want them to take over my company. If they take my company, our debts will be paid off, so they are not that stupid. They accompany my company and let me make money for them. Although I don't have any cash, I always use my company account to drive and eat. They can't help it. They often give me business and let me pay back the money slowly.

This is really an amazing person. I find that I am really a frog in the well, and I really don't worry about too much debt.

In fact, there are still many "losers" in society. They usually drive luxury cars into high-end places. In fact, many times they don't have any cash. They can do this because they have the ability to pay off their debts at one time, but they still have the ability to pay them off slowly. This is also related to the work they are engaged in. They spend a lot, but they can get money quickly. Once cornered, neither side will benefit, so even if they owe a lot of money.

And some working-class people, obviously without the ability to make money, learn from others' advanced consumption, and finally owe a debt, unable to repay, and can only choose the road they should not take.

Xiao Ming also wants to advise everyone that if you don't have this ability, don't learn other people's consumption views. Killing people is easy. A monthly salary is several thousand yuan, and it costs tens of thousands to buy a bag. This concept of consumption is very unacceptable.

In fact, tens of thousands of things are not worth much money in the eyes of the rich, and we poor people can't see the actual value. Why show off? Only in the eyes of those who also like to show off, will there be room for "showing off", but what's the use? Two poor people kept up with the joneses and finally gave the money to the rich.

Suicide to death! ! ! 300 thousand committed suicide, which is a bit ridiculous. Or depression. Debt 8 million, now nothing, everything, equipment, computers. Everything that can be sold is sold, the house is mortgaged and the car is mortgaged. Now I can't get 25 yuan out of my pocket except driving a Mercedes. I often laugh at myself. Public security, courts, I still have many cases. That's it. I haven't considered suicide either! ! ! It's simple. Why do people live? Not for others to see, even if the wife is separated, even if the parents are worried. Life is still valuable, I will choose a strange place to start over!

Share a real case like a fish first.

There is a sister next door to our house who works in a bank after graduating from college. In our small county, girls work in banks, have a decent and stable job, and have a stable income. She bought five insurances and one gold, and there was a year-end bonus. Her mother often praises her daughter's good grades in school, how stable her job is now, and often takes her to travel around.

When I talked to my mother on the phone the other day, I heard that there are always people who want debts coming to their house recently. Her mother was too scared to go out, and the elder sister didn't know where to go or go to work. Recently, many people have asked her for money back.

I am particularly puzzled, thinking about why a good girl should be urged to pay her debts. My mother then told me: "After the girl worked, her salary was not enough, and her expenses were high. She has to buy the most advanced cosmetics, clothes and brands, and any bags she buys must be famous brands. Where did a little girl get so much money? She had to borrow money from the Internet and rob Peter to pay Paul, even her mother didn't know. What a good girl, how did this happen? "

I was surprised to hear this. I have read some reports about online lending before. Some female students even borrowed naked, and finally got into a storm. It is really impermanent to think that something incredible has happened around you.

I remember there was a news report before that a female nurse borrowed more than 200 thousand and couldn't pay it back. After her mother returned it, she borrowed it again. Finally, her mother broke up with her. Some time ago, during the Double Eleven, a woman bought 200,000 things, and her husband was anxious to jump off the building. Because he bought hundreds of thousands of things yesterday, and the bill has not been paid off, he bought it again this year. Her husband was so angry that he wanted to jump off a building.

problem analysis

If the fish wants to say: you have to control your desires so that you won't be annihilated by them. In one case, a person infinitely enlarges his desire and only pays in excess. The consequence of the excess is likely to be that he can't pay back, and finally he can't afford it, so he thinks that he will die once and for all. This is extremely absurd. Not responsible for yourself, not responsible for your family!

Another situation is that young people are under great pressure now. There are many reports about depression now. Depression is really a terrible disease. Especially today's young people have to face mortgage and car loan every month, and they have to raise children and support their parents. Sometimes I feel a little lost at work. After I have been depressed for a long time in my life, I think that maybe "death" can bring me relief, but Ruyu thinks that this is not "relief", but dragging my family into the abyss.

abstract

Don't let one person's choice become the tears of the whole family.

The above is a fish-like answer, I hope it will help you!

The last straw to crush a camel is often not a debt of 300,000 yuan, but a trivial matter. It is the persistent haze that prevents life from penetrating any sunshine, the constant pressure from all sides, and the result of qualitative change caused by the continuous accumulation of quantity. What causes people to commit suicide is not how much they are in debt, but the "mentality" of more people.

Do you still remember the young man who was pushed by his girlfriend to send the key retrograde a while ago, was finally caught and collapsed and wanted to jump off the bridge? The collapse of adults is similar, and the pressure from all sides makes their hearts despair at once, so making a decision is in an instant.

Why does someone want to commit suicide with a debt of 300 thousand?

1. unable to repay

300,000 yuan is indeed a lot of money, but for most young white-collar workers who earn more than 10,000 yuan a month, it may take three to five years to pay it off. But for people with higher wages, it is necessary to consider whether the subject of debt has the same level.

People with debts of 300,000 yuan may be divided into two types: one is caused by other behaviors such as investment failure, and the other is like gambling, which reflects different lives. People who fail because of investment will not be distressed by this 300 thousand, because they have a source of income; Just like some gamblers, if you lose everything, everything is gone. This is all your savings. Without the ability to repay, and in the face of false threats from creditors, there is a great chance that they will choose to go the wrong way.

2. Don't want to find trouble with others

Another possibility is that people who commit suicide don't want to get involved with family and friends, so they choose to escape in this way. I have a big brother who ran away from home because he owed money when he was a child and was chased too hard by his creditors. Until now, he hasn't been home for more than ten years. For him, this is the best way to deal with it, so that his family will not be implicated and his personal safety will be guaranteed.

3. People who have no hope for life

Finally, there are people who have lost confidence in life and have no hope. Many people are heavily in debt, but some people choose to commit suicide, because there is no love in life and there is no end to the road. Maybe they are not only burdened with 300,000 debts, but also with the pressure of work, life, family and social life. It is not difficult to repay the debt of 300 thousand, and there is always a way to make it up; But a desperate heart is often difficult to repair.

Finally:

I suggest those who have no hope for life to think about the meaning of short life. What is the meaning of being born as a human being? We don't live for ourselves or for others, so suicide is a selfish way to deal with it. The best way is to face it correctly and find opportunities to reverse it.

Nietzsche said: Those who can't kill you will eventually make you stronger. Shi Yuzhu changed from a rich man to a loser, with debts of several hundred million, and now he is making a comeback on his own. What does it depend on? Isn't that powerful heart still holding on now? Many seemingly insurmountable things, looking back after a while, will be very gratified: I actually succeeded! I made it!

Casting the armor of your "heart" and finding the right direction to break the game can make you invulnerable and invulnerable, and the more you live, the more exciting you will be.

Let me talk about my friend's experience: my friend lost money in opening a factory and was in debt of more than 400 thousand. He chose to jump off the building, but fortunately the floor was not high and he was only slightly injured. I asked him why. My friend is only 38 years old. Even if he goes to work, he still pays 3 thousand yuan a month and pays it off in more than ten years. How could he choose to commit suicide? My friend told me that after my friend set up a factory, my wife stopped working. She does housework and takes care of the children at home. In her spare time, she plays mahjong with her friends. In the eyes of others, she looks like a rich woman. After the factory closed down, she quarreled with my friend all day and called my friend incompetent and useless. Living with friends is very painful. She is always divorced. Originally, the pressure of my friend's poor debt was great enough, plus her incomprehension and trouble.

In fact, my friend committed suicide, not because of the pressure of poor debt, but because of the pressure of family, which made him choose the road of suicide. Women can make men brilliant or destroy them.

When you think that there is nothing bigger in this world than life and death, you will never take the road of suicide. Mentality is really important. I want to share a true thing with you, my cousin.

The year before last, my cousin was unlucky. My 20-year-old son has a brain tumor. They are low-income rural families. When I didn't know my illness at first, I took my son to Nanjing for an examination. After the examination, I was diagnosed as a brain tumor. The family collapsed instantly. What should we do next? For such a son, surgery is definitely necessary. Although it cannot solve the fundamental problem, it can prolong life.

After careful consideration, my cousin finally decided to come to Shanghai for surgery. Although the disease can't be cured, we should try our best to find the best medical conditions. After I came to Shanghai, I also helped before and after, so I won't say much about the process. The first operation plus radiotherapy cost about 300 thousand, most of which was borrowed, plus I helped him raise 50 thousand or 60 thousand

It's over after the operation, but the cost is actually higher. Every time I come to Shanghai for radiotherapy, I will buy something to take with me. My cousin and I talked several times when we were eating, saying that we didn't have enough money to pay for medical expenses. In the future, we should ask the doctor to pay for it in the hospital and go home to raise money ourselves.

Over the past year or so, through the introduction of friends, I can take some clothing orders, so my cousin borrowed a lot of money and opened a small clothing factory. How to make money? Every time he mentioned his salary, he couldn't get the money. He tried to borrow money everywhere, and the house he lived in was squeezed out.

Every time we talked about this business at dinner, we advised him not to open it if he really couldn't continue. Cousin always said that it is a pity to give up after investing money. Besides, it costs money for a son to see a doctor. If he insists, he can earn a little. To tell the truth, I still don't know if he has made any money. Every time I go home, I can't even get the money to buy cigarettes, but the factory is always there and the list is being collected.

But every time I see him, I never see anything wrong with him, and he never sells bad things in front of people. Friends called to eat and drink, and they had a good time. I am really worried when I borrow money, and I am really happy when I drink and eat. My cousin once said to me, "It's already like this at home. If I can't hold on, it's over. Anyway, there is still hope for persistence. "

Cousin is a very unreliable person in the eyes of all relatives and friends, but after this incident, many people think that if such a thing happens, it will not last long. Therefore, when you encounter the same suffering, it depends on how you look at this problem. Sometimes out of responsibility, sometimes out of hope, sometimes out of optimism.

When you think that nothing in the world is bigger than life and death, maybe you won't commit suicide because of debt. How much debt is not the key, but how you look at it and how you look at life and death.