How did you survive when your business failed, you were in debt, and you were at the lowest point in your life?

Even if my business fails, I will not degenerate. I will have a cheerful attitude, strong will, and psychological awareness, and strive to achieve my goals in my lifetime.

My husband’s business once failed, and his total income was more or less hundreds of thousands. I was kept in the dark before, but in the twenties of the twelfth lunar month, there was an endless stream of people asking for debts. Others happily bought New Year's goods, but I had to deal with debt collectors. As the saying goes, "If you sleep on the bed grass and turn it into powder, you still don't know what the other person is thinking." Our family truly lives up to this statement. It turns out that my husband is timid at heart, very ambitious, and has no sense of responsibility. At this time, he went into hiding and refused to answer his phone calls. The eldest daughter has just graduated from college, and the son is still in college. I know I can't fall!

After my repeated persuasion, my husband found a new job. I also found a job and also farmed. After several years of hard work, the foreign debt was finally paid off.

Victory and defeat are common in military affairs, and business is no exception. There are times when you make money, and there are times when you lose money, and you are in debt, and you are at the lowest point in your life.

There is a good saying: "Get up wherever you fall." Because you will encounter many difficulties and setbacks in life, don't be depressed or decadent because of the temporary frustration in front of you.

If your business fails, learn to be strong and don’t cry. There is no hurdle that cannot be overcome. As long as you cross this hurdle, you can be reborn.

Therefore, you should firmly believe that you will get up wherever you fall. Maybe the next lucky person will be yourself.

Super Sister’s point of view: Everyone will have troughs in life. No matter what kind of troughs you face, as long as you grit your teeth and persevere, you will have a brighter future. Nothing is difficult in this world except for those who are determined. When my business failed and I was in debt and at a low point in my life, I relied on running a street vendor to survive.

Thinking back to the days when I ran a street vendor, although it was sad and hard work, I was full of confidence and fulfilled every day. Life is an experience. No one can be sure of what we will be like in the future. No matter what kind of setbacks we face in life, as long as we keep moving forward and don’t give up easily, we will definitely see our own rainbow!

Before I married my husband, I was a white-collar worker in a large company. I went to high-end places to discuss business with my bosses every day. Even if you gave me 10,000 reasons, I would not have thought that I would set up a street stall and do small business. Being a white-collar worker is something we My income in this industry is pretty good, and my husband has his own career. When I first got married, I was also an example that everyone envied: I found a capable and handsome husband.

Unexpectedly, when my mother-in-law fell ill, a big change occurred in the family. My husband was the only son in the family and he was very filial to the elderly. Before my mother-in-law fell ill, he had been working on projects in Inner Mongolia. At that time, he earned about hundreds of thousands of dollars a month. With the income and business flourishing, my husband continued to expand his business and purchased three cranes and two large trucks. All the money he earned from the projects was invested in the trucks, and he also borrowed hundreds of thousands in foreign debt to prepare for it. Have a blast.

In July 2011, my mother-in-law was diagnosed with liver cancer. At that time, she was only 62 years old. She could not accept this reality and she was sad and crying every day. When her husband heard that her mother-in-law had this disease, she gave up all her projects and became single. I took my mother-in-law to see a doctor in the most authoritative hospital in Beijing. In the past, she had no idea how much medical treatment would cost, but it was only now that my mother-in-law realized that she had cancer. The money for medical treatment in the hospital was really not worth it. My husband sold the newly purchased crane one after another. , replaced by mother-in-law’s medical expenses.

My mother-in-law has been ill for two years. My husband spent all his money to treat her but could not keep her. After my mother-in-law passed away, my husband began to feel depressed and depressed. He was no longer as energetic as before and was always willing to do anything. When I got interested, my father-in-law was also devastated by the death of my mother-in-law. I had to take care of the children, both of them, and work. I had never felt that my salary was so small before. Our family no longer had a large source of income. We needed money for firewood, rice, oil and salt every day. We also had hundreds of thousands of foreign debts to repay for buying construction vehicles. Our quality of life suddenly dropped from a moderately prosperous life to a debt. The bottom of the valley.

Although the money is borrowed from relatives and friends, you have to pay it back. I always feel embarrassed when I borrow money from others, so I try my best to pay it back.

My father-in-law is suffering from depression and cannot live without people every day. My husband no longer has the time to take care of the previous projects. Gradually his company went bankrupt. The children who are waiting to be fed also need money. My salary alone seems to be a drop in the bucket in the face of huge foreign debts. We need to find a way, if this continues, this family will be ruined!

I set up a stall with the help of my friends. I was afraid of being recognized by my colleagues at first. I covered myself tightly with a hat, mask and scarf. After get off work, I took off my professional clothes and put on the sportswear used to set up the stall. After starting his own street stall life, everything is for his family and to pay off his external debts.

When I first started setting up a street stall, I was embarrassed to speak, but gradually I became more active in chatting with customers - I want to sell goods, and it’s not a problem to hide like this for fear of being embarrassed. I really tried my best!

In those years, the street stall economy was very popular. What I sold was relatively unpopular tea sets. Generally, people who buy tea sets and like to play tea ceremonies have a certain financial strength. They are used to the high prices in teahouses. I The down-to-earth prices are very attractive. There are more and more repeat customers. The varieties I sell are getting more and more complete, and the sales are rising steadily.

The first thing I do when I get home every day is give my husband a small cloth bag containing money to count. That is when I feel the most accomplished. Gradually, my side business, the street stall, earned much more than my main business, and we saw hope. Since we were selling well at the street stall, it was better to open a teahouse so that regular customers could have a regular place to find us. My husband was also impressed by my enthusiasm for work, so we borrowed another hundreds of thousands and rented a storefront to open a teahouse.

Time flies so fast. Our store has been open for seven years. The monthly profit has paid off the foreign debt little by little. The business of our teahouse is getting better and better. Have your own regular customers and fans.

When God closes a door for you, he will definitely open a window for you. The experience of the trough in life is for better growth! As long as you don't give up, there will be a bright moment!

When you are in debt, even if you have a good project, you have no money. It is difficult to turn over. Your house and car are all sold. At least you are safe and you can earn less from work. Just pay off a little every month, and you will be debt-free once the debt is paid off. Despite the daily debt collection calls, the contempt of neighbors, and the stabbings in the back by friends, just take everything lightly. No matter how others laugh at you, every month When you have money, pay back a little, and let the debt collectors know that I haven't forgotten. If you can't pay back too much money, just pay it back slowly, little by little. As time goes by, people will stop urging you. They know that you can't do it all at once. But at least monthly, people will know clearly in their hearts that if they had chosen to work in a factory in a down-to-earth and comfortable way, they would not have incurred debts. People, there is a time in life that must be there, and there is no time in life. Don't force it. , now that you have chosen, don’t run away. What’s the difference between the once glorious scenery and the now down-and-out phoenix, which is worse than a chicken? My only wish now is to pay back all the debts, and I can live with my conscience. There is reincarnation in the world. No matter who God spares, don't worry about the people who cheat you and harm you. They will eventually get their retribution, but you must have a clear conscience and pay back the debt despite the hardships. Hold on, there is no other way.

My company went bankrupt during the epidemic. The capital chain was severed and collapsed. I lost more than 22 million yuan and am now in debt of more than 8 million yuan. The assets have been preserved and are currently insolvent. After the auction, the amount of liabilities may increase. The situation is roughly the same, there are all kinds of loan call calls, banks, small loans, personal loans, etc., and now they are also being treated as deadbeats and have their loans restricted. In short, it is unlikely that there will be anyone who can help in times of need. In this situation, the icing on the cake is already a thing of the past, so I can only rely on myself and talk about how I got through the current low point.

1. Be sure to force yourself to use camel thinking, that is, settle small debts that you can solve in time, first small and then big. For big debts that you cannot solve, persuade reasonable debtors to give you time. . Objectively ignore the unreasonable debtor and let him be. That’s what I say, but when you are subjectively wealthy, you must also remember that the other person’s money must be paid back slowly, no matter how much, no more, no less. Attitude is very important.

2. Make sure you are alive first, and then solve the problem of development. Don’t be too ambitious. Find a job with a monthly income of more than 5,000 to ensure the basic life of yourself and your family. The bottom line is not to continue to go into debt to solve your life, that is to make progress and let yourself completely float to the red line, otherwise you will never turn around.

3. Just like a detective, don’t let go of any clues. At any opportunity in your daily life, work, chat, etc., no matter how big or small, try and strive for it. Keep a good attitude and strive for it. It doesn’t matter if you don’t get it. To explain: If you meet a new friend who you can get along with, and what he does is quite profitable, can you follow suit? Is there any way to get the opportunity that the other person is willing to give you a hand? Don’t be afraid of the hardships and tiring. Another example is the two-dollar lottery, an opportunity that can be grasped at a very small cost. Don't buy too much, the most important thing is to participate. Although the probability is very low, it can be regarded as a positive attitude.

4. We must firmly believe in the chicken soup: The only thing that can achieve success in this life is the combination of timing, luck and fate. It doesn’t matter who is the best, luck is very important, you have to be dedicated to everything, work hard, have a sense of awe, follow the cause and effect well, and you will get good luck. But it is not a good thing. Virtue must be coordinated, otherwise if the fate is not good, it will be a blessing and a disaster.

5. It is very important to have a stable mentality. Correct yourself, correct your heart, and do not change your mind. Otherwise, you will become a villain, a trash person, and you will be useless.

The above five points are my experiences and I would like to share them with you. Although I am still on the way to repay my debt, I have already landed. . . Whether you go ashore or not depends entirely on your mentality. Come on stranger. Aoli gives! ! !

If you fail in business and you are heavily in debt, the situation is much better than gambling. Others will not sympathize with gambling, and it is difficult to gain trust and support. Business is also aimed at making money at the beginning. I went there and tried my best but still failed, which is understandable. After all, business is difficult to do and the success rate is not high, but I still end up in debt. In fact, generally I don’t recommend that office workers borrow money to start a business unless they have savings and a loss. It is also within control and will not lead to debt. I have learned a lesson myself. When I was already in debt, I continued to borrow money to start a business, and in the end it failed miserably. Although it is not gambling, relatives and friends trust you and support you every time. If you don't succeed, don't expect a second time. It can be said that your credit is overdrawn. Unless you pay back the debt one after another and let others see your sincerity, they may continue to support you. Another very important aspect is that you must have a skill and be able to do hairdressing. You can cook and open a restaurant... If you don't have any skills and want to start a business, it will be difficult to convince others. My suggestion now is that you find a job first, communicate with your creditors one by one, repay the loan in installments, and reflect on it during this period. Reasons for failure, and at the same time practicing a skill, only then can you have a chance to get back on your feet, otherwise you will have to work peacefully and live a peaceful life. As time is limited, you are welcome to communicate with me and encourage each other at any time.

Persistence, the emperor and the heaven will not let anyone down.

Everyone has their own story, and you and I have unspeakable secrets. Especially when a company that you have worked so hard to run goes bankrupt, you are in debt, and you feel anxious all day long. Only colleagues who have experienced it can empathize with that feeling!

Perhaps it is intentionally arranged by the Creator. Life is an arranged journey of spiritual practice, and the road is not repeated. Everyone's life journey is different. There is no right or wrong, and you cannot complain. Your destiny is achieved through your own practice. No one can give you anything. You are completely in control of your own destiny. As Gao Xiaosong's mother said: Life is not just about the present, but also about poetry and the distance! When we are at a low point in life, we need firm belief and a positive attitude to face and adjust.

Buddhism talks about the importance of thoughts, one thought creates a world; how your heart treats the world, then what kind of world will you dedicate to yourself. The Buddhist scriptures say: All appearances are false. All external experiences are caused by excessive greed within us. Situations change with the mind, and aspects arise from the mind. Cultivation of the mind is the only way to solve the difficulties in our lives.

No matter how big the dilemma is or how numerous the difficulties are, it tests our determination to deal with them. I firmly believe that life is not a road in vain, and every step counts.

Let me talk about some of my experiences on this issue! I started a garment factory in 1994. In 1995, I lost all my money and ended up with a foreign debt of 7,000 yuan. The 7,000 yuan was a 2-cent interest debt, and the interest alone was 1,600 yuan a year. At that time, the local salary was only 300-400 yuan. It seems that if I go into business again, I will be penniless.

Go to borrow money, but people are no longer willing to lend you money. After all, you already owe so much money. Go to work, and it will take several years to recover from a salary of more than 300 yuan. At that time, I was really confused, and I felt like I was asking for help every day. I felt like it was not working. Fortunately, I had a classmate who worked in Shenzhen. It was only when I went to Shenzhen in 1996 that things turned around.