Are there any migrant workers who are heavily in debt and still insist on biting their teeth?

There are many people like you in places you can't see, and so is our family. They are all moving forward step by step. In fact, as long as you are healthy, as long as the family works hard together to face [yi tooth] and cheer together.

Yes, I am. I am 30 years old, and my debt is 30. My credit card, online loan and Alipay are overdue. I was forced to work in Asia's largest clothing factory in Beilun District, Ningbo City, Zhejiang Province from my hometown in Yunnan to pay my debts. I work 12 hours a day and work in two shifts. I can't tell how to survive. In the past six months, I have been receiving calls every day and working hard every month.

Alas! Nowadays, many people are heavily in debt and work hard. Have a plenty of loans to buy a house, have a plenty of because of medical treatment or some reasons. Most people are heavily in debt mainly because of high housing prices. Wake up every morning and look at the monthly loan to be repaid. I dare not relax a little. I can only grit my teeth and try to make money and pay my debts. I am tired! I can't help it Who told me that I was not born with a golden key? Who calls himself not a rich second generation? I can't help it I need to work hard to get everything I have. I also want to live a rainy life in Mao Mao. I don't have to work hard for money. I have to reach for my clothes and have a bite to eat. But it backfired. In real life, I need money to buy a house to live in, to buy a car to travel, to raise children, to honor my parents, to live, to plan my future pension ... That doesn't need real money? How many places to spend money at home are waiting for you to make money, saying nothing but tears … working to make money.

39 years old, currently in debt of 200,000.

I swiped my credit card, borrowed Xiaomi, borrowed Bai, kept circulating, and slowly repaid the loan. Later, since Xiaomi, credit cards have successively lowered their quotas and raised interest rates. For a time, the capital chain was broken, and the collection phone kept harassing my family and colleagues.

I used to think that these loans were humanized and sloppy!

It's really terrible for capitalists to turn against each other mercilessly, so Huang Shiren has to pull over.

A famous bank credit card earned me about 65438+ ten thousand installment fees and interest in three years. The point is, these were not needed. Their bank customer service calls every day to advise staging, and their ears are soft, so they become into the pit. It can be said that once they enter the stage, they will be as deep as the sea, then turn back as poor as a church mouse, and then say that they want to reduce the amount. By the way, they harvested the last drop of blood, and the monthly interest is still the lowest, 1, 000+.

I only blame myself for not being firm in thinking. When I have money, I feel that I can do a favor and do a business without spending a few dollars. Only when I am down and out can I see that these are just vampires.

The mistake started with a credit card, so kindly advise you not to do it! Never get a credit card! Never get a credit card! Never take out a loan! Never take out a loan! Never take out a loan!

In terms of credit cards and loans, it can really be said that "one step at a time is beyond redemption".

Stop it, too much is tears. Move bricks! [Tears] [Tears] [Tears]

Tell me about myself, among all kinds of people who are in debt, it should belong to a small number of 1.5 million. And I don't have a family that can solve these debts by confessing to my family. I even have nowhere to confess, and everything depends on myself.

My trough is long and dark, which largely depends on my own mentality. I always thought I could earn a few dollars by working. Even if I go to work, those wages are only enough to pay interest. What's the use? I am a commercial debt. I have never worked since I was a child, and I have never seen other people's faces. So, if you are in debt, you used to work part-time. Congratulations, you already have an advantage over me, because it took me a year to get out of this stage.

When you have to get out of the decadent period, put aside all negative energy and face the reality positively, you will find that you will still encounter those inevitable blows and failures. You will find that society will not change anything because of your temporary chicken blood, and it is still so cruel. You still have to accept the failure of the interview or the low salary that matches your ability. Do you feel that you have to retreat back to the confused period, or even feel that the confused period will bring you a poor sense of security like a refuge?

Whether my words hit you or not, you've already rowed away to find another answer you want. After all, those words that can give you tenderness but don't tell you the reality are always welcome.

Finally, I want to tell you my current situation. After two years of self-study and giving up countless times, a failed young man who didn't get a college diploma almost paid off all his debts, after-tax salary and all his living expenses. The remaining 7400 yuan every month is used to pay off his debts.

Although the debt has not been repaid, I still feel that the future can be expected. Maybe you will envy my current income (only possible) and be curious about my current job, but what if I know? Just like I did a year ago, I don't know when life will be friendly to me.

Everyone has everyone's way to go, and other people's experiences only belong to others. My answer is not chicken blood, but a heavy reality. I hope to help some people. Maybe many years later, you still remember my words.

I was born in Henan in 1987, and I am currently in debt 1 15W.

Others are mortgage loans and car loans, which belong to assets, while I am a liability for medical expenses and business failure.

When I was in 20 18, the company had a physical examination and found thyroid cancer, which cost me more than 50 yuan in medical expenses. I didn't care too much at that time. There is no problem in every physical examination, either liver fat infiltration or light problems such as vision 4.0. So I don't take it seriously.

I remember that on the day of physical examination, it was gray and raining in Mao Mao. I drove to the physical examination office carelessly. Many colleagues have already started physical examination. There were many people in the physical examination, so I quickly joined the physical examination army.

The process of physical examination went smoothly, and there was nothing wrong with it. After breakfast in the physical examination center, drive home. I didn't care the day after the physical examination. Suddenly one day, I received a phone call at work and asked me to go to the physical examination center for reexamination. The next day, I took a day off and went to the physical examination center for reexamination. After the check-up, after more than half an hour, the doctor called me to his office and said to me, "After the check-up, I found that you have thyroid cancer, so you should operate immediately!" Hearing this, I suddenly froze. I have never heard of this disease. How did it end up on me?

Later, the doctor asked me about my life, whether I usually stay up late, whether I smoke, and so on. I told the doctor that I don't usually stay up late, that is, the quality of sleep is not good, I wake up at three in the morning, and I usually eat irregularly, such as take-out or fried noodles, and rarely cook by myself.

The doctor said, yes. After 0 o'clock in the morning, it is the time when all the internal organs need metabolism, and a good sleep quality is needed. Also, you usually like to eat takeout, fried noodles, high salt and fat, and too much carbohydrate intake, which is not good for your health.

I suggest you have an operation at once. I began to cry before the doctor finished. I don't know what to do. I'm at a loss. I'm completely blinded. I stumbled back to the rental house. I was afraid to tell my mother, for fear that she would be worried, so I borrowed money everywhere to see a doctor, borrow money from banks and borrow online loans. So I went to the operating room.

The whole operation was very uncomfortable, and I felt like vomiting. I barely finished writing and rested for half a year. I lost my job, which made matters worse. I don't know, what is supporting me? Maybe it's my guilt for mom? It's been three years, and I still rely on medicine. The cost of surgery, medicine and a series of incidentals are all 55W. This is my debt as a cancer patient.

The lesson I learned from this incident is that all serious illnesses are the accumulation of common bad living habits. Don't think that you are healthy without illness, so you can indulge yourself, pay no attention to your health and be lazy. Many diseases are caused by laziness.

Next, let's talk about my entrepreneurial failure.

Before I was diagnosed with thyroid cancer, I contracted land and planted medicinal materials. At that time, 280 mu of land was contracted in Hebei and Atractylodes macrocephala was planted. In the first year, it was ok, but in the second year, it was driven out by local villagers. This thing blames us for being too young. It's not technology that has failed us, but the world.

The local village head dragged the villagers to force us to leave. They raised the rent in disguise, tore up the contract and drove us away. At that time, they thought about going to court, and then they thought about it. I didn't waste any more time with them and left. Due to the expansion of the scale in the second year, more than 200 mu was added, and the input cost: seeds, fertilizers, land rent, rotary tillage, sowing, irrigation and other miscellaneous expenses, and the input was nearly 600,000. As a result, forcing them to give up just doesn't like you or you make money. We can say that we are completely defeated and down and out.

This incident taught me a lesson, that is, we must put interpersonal relationship before your business, because we are doing traditional business, especially township business, and pay more attention to the world. Don't invest too much in the beginning, otherwise it is easy to waste water later. Sometimes, no matter how good your skills and abilities are, you can't compete with other people's plots and plots.

Although the debt is more than 1 10,000, life still needs to move forward, even if it is not for yourself and your parents, you need to live well. Only by living can we have hope and truly create the future.

Therefore, regarding the topic, I want to say that all setbacks and sufferings are gifts given to us by God, in order to make us better adapt to this world. Temper our temper, exercise our will and improve our ability to solve problems. Only in this way can we create greater value for the world.

So, my dear friend, please cheer up and come on.

Try to meet every day in the future.

I am Ma Bao, a migrant worker who is heavily in debt but still persists. The darkest day of my debt was in early 2020, and I received hundreds of collection calls every day. I'm confused, helpless, scared, scared. After the epidemic, I came out to look for a job and went to work. Still trying to earn money to pay off debts.

When you are in debt, you will know how happy you are without debt, even if you are poor. If there is nothing in life, just now, come on, people in debt.

Take a bubble from a credit overdraft of 7500 yuan to a debt of about 500 thousand to sign!

There are many people in the same situation as you, all of whom are affected by the epidemic, resulting in the source of funds being either compressed or cut off for a long time. Finally, the capital chain can't run, and it is difficult to repay all kinds of online loans. No one around can borrow money to fill the hole, because 80% of them are in financial difficulties, and it is difficult for everyone to protect themselves. How can they care about others!

Tell my story again!

How did I change from a credit card of 7500 to a handsome guy with a debt of 500 thousand [covering my face]

Why did it become like that?

A few years ago, I set up a credit card with a line of 1 10,000. Just because the decoration funds in the store were not enough, I spent 7500 yuan. I think it's convenient and I don't need to borrow money from others. After the renovation, I set up new equipment and invested a lot of money. Money is tight, so I have to catch up with the renovation of my home, but I don't want my parents to worry about money. So I got a credit card and borrowed it all to add some money to my family. In a normal quarter, I can make up the money. I didn't expect that first people were worse than the sky, business became bad at the beginning of the economic crisis, and then the epidemic struck. The store was closed for three months, but the money kept spending but there was no income. The funds began to collapse, so I made some online loans to make a transition.

I finally feel like I can catch my breath. Some time ago, the online merchant loan suddenly dropped by nearly 20 thousand every month and did not quit. Recently, the epidemic situation in Henan was even more serious just after the flood, and finally closed management began, and the shops could not operate normally! There are already more than 20 thousand pressures, and the sudden situation of this epidemic is really worse! I hope the epidemic will end soon and everyone's life will return to normal! These are the answers to your questions. I hope I can help you and work together to get ashore as soon as possible.

Just landed migrant workers to report!

As parents of three children, our trip ashore was particularly difficult. Fortunately, in recent years, we had quarrels, almost collapsed, and wanted a divorce, but in the end we all persisted.

My husband and I talked about the process from debt to hard landing, hoping to give you some encouragement.

In 20 16, we were operating four projects at the same time, namely, the transformation of cable digital TV in a county in Northeast China, the operation of wireless digital TV in a county in Henan, a weak current engineering company in a hotel in Shenyang and a sanatorium project in Anshan.

The investment of the project is small, which adds up to less than1000000. At that time, we still had more than1500,000 accounts receivable from previously completed projects. We felt little pressure and planned to have three children.

I found myself pregnant when I was in Henan, and I was about to tell my husband in Anshan the good news, but his phone couldn't get through. From morning till four o'clock in the afternoon, not only was his phone disconnected, but also the phones of several employees who followed him to Anshan on business at that time couldn't get through, so I went shopping completely.

I don't care. I'm just pregnant. I immediately drove from Zhoukou1more than 300 kilometers. Besides going to the toilet and refueling, I went all the way to Anshan. I drove alone 15 hours. I am shaking all over when I think of Tianjin. After drinking three cans of Wangzai milk in the service area, I slowly recovered.

The next morning, before I got a call from my husband, I had already entered Anshan. It turned out that the debtors not only didn't pay back the money, but also called the police to say that they had robbed the house. At the same time, they were arrested by the police station and held for a day and a night before being released.

That incident became a turning point in our lives. Customers who are still paying back the money have heard that we have been arrested by the police station for debt, and they all choose not to pay back the money for various reasons. Soon, our capital chain was broken. First, the sanatorium project was suspended indefinitely, and then the cable digital TV reconstruction project was taken away by competitors. Companies in Shenyang can't pay wages, and the projects in Henan can't see profits for a while.

From the infinite scenery to the difficulties, it takes only two months.

At this time, where are we in the mood to have three children? After days and nights of discussion, I insisted on abortion. My husband and I had a big fight, but it was really difficult. I still borrowed 10 thousand yuan from the partner of Henan project to take me to the hospital.

At that time, I was in my thirties, so I didn't have time to sit down and had to raise money everywhere to fill the hole. That company in Shenyang is our last hope. We were developing a software at that time. If you can do it, you may not have a chance to turn over. In order to survive, we can only put all our eggs in one basket Cash in credit cards, all kinds of small loans, loans from relatives and friends, even my car was mortgaged.

It failed. When we were really at the end of our tether, the software was still not made. The company was sued in court because it could not deliver the goods on time after receiving the advance payment from two customers. At the same time, two employees who have left their jobs have taken us to court because they didn't get paid on time.

/kloc-During the National Day holiday in October, I took my husband back to my mother's house. A little out of sight, it is said that time is the best medicine to solve problems. However, during the seven-day holiday, we would rather die than live.

My mother lives in a small mountain village. The signal of telecom here is very poor, and my husband happens to be the mobile phone number of telecom. I couldn't get through the phone for those days. After leaving the village, my husband discovered that the address book had been maxed out by the credit card. Three days later, it was only three days late, and it was still on the 11 th holiday, and it was maxed out.

Hundreds of missed calls, hundreds of "concerned" messages. I know we're totally screwed. No one will believe a man in debt. He could have borrowed money from a friend to pour his credit card. Later, it was impossible.

/kloc-At the end of 0/0, all the credit cards, micro loans, flower shops and loans under the husband's name were overdue. Before the address book was exploded, my husband could borrow at least100000 by sending a text message. After that, even though I kept calling, my husband only borrowed 150 yuan, which was hot and cold.

Since escaping can't solve the problem, I can only face it calmly. My husband is very calm. He began to work out a repayment plan, which was more than 300,000 yuan, including the wages owed to workers and the advance payment returned to customers.

First of all, we must solve the problem of credit card. Of all the arrears, only the credit card is involved in credit card fraud, which may lead to imprisonment. The Agricultural Bank of China has called the police and the Economic Investigation Brigade of the Public Security Bureau contacted us. My husband explained the situation in detail to the Economic Investigation Bureau and said that he could repay part of it.

The cash we could withdraw at that time was only 10 thousand yuan, and all of it was returned to the Agricultural Bank of China. It is a matter of stabilizing the Economic Investigation Brigade and then negotiating with the Agricultural Bank of China in stages. The Agricultural Bank strongly disagreed, and things were frozen again, but at least there was no risk of being detained for the time being.

Next, there are flowers and loans under Alipay, which are bound to be used for credit reporting. Although the credit will inevitably be spent, the sooner it is solved, the greater the possibility of credit recovery. Generally speaking, within three to five years, if there are no other problems, the bad credit records will be overwritten, which my husband learned from a friend. I sold all my jewelry, but gold jewelry is very good. I spent more than 40 thousand when I bought it, but I actually sold more than 60 thousand when I sold it. Unfortunately, when I bought a diamond necklace and a diamond ring, it was more than 10 thousand, and when I sold it, it was only a few hundred dollars. There's no way to sell it for hundreds of dollars. It's no use keeping it anyway. More pitted, Apple laptop, bought for more than 9000 yuan, 80% new, idle fish can only be sold in 500 yuan.

Finally, I borrowed 20 thousand from my sister before I solved all my husband's credit cards, loans and flowers. Other small loans are really helpless.

The company used office computers and office supplies to offset part of the employees' wages, which was considered as letting the employees drop the lawsuit. The customer's advance payment, the husband almost knelt down for them, and the private person wrote an iou to let them withdraw the lawsuit, so that the company could enter the cancellation procedure.

Only by making money can we solve the problem. For business people, the address book is declared dead. There is no way. My husband is looking for a job with a monthly salary of 7,000 yuan, responsible for maintaining the computer room for a former client. Work is not tiring, and there is more free time.

After work every day, my husband still runs until midnight. Every weekend, my husband often goes to other counties and towns to pick up private jobs and overhaul the computer room 1000 yuan, but the gas money for driving is not enough. He always takes the train, gets on the bus at night, crouches in the local internet cafe, and comes back by train after finishing his work during the day. Tired back pain is reluctant to take a sleeper, let alone a high-speed train.

At this time, I was pregnant again. This time, my husband put scissors around his neck and threatened me not to have an abortion. In his words, he can't close his eyes without a daughter in this life.

You could have sold milk to earn some money to subsidize your family. After I get pregnant, I definitely can't move up and down. The milk business stopped, and my husband's burden became heavier. My two sons go to school and spend money every day. Fortunately, the elderly on both sides are in good health and don't need our care for the time being, otherwise I really don't know how to live.

Can you believe it? On the expected date of delivery, we paid the food for our youngest son, leaving only 37 yuan, no medical insurance, no maternity insurance, going to the hospital to register, and even no money for a birth check-up.

My husband called a customer who owed us more than 100,000 yuan and told him that he only needed 10,000 yuan, and all the previous debts were settled. The other party just said that he didn't have any money, but he turned 10 thousand in less than a minute. Isn't that ridiculous?

My daughter is very sensible. It was less than twenty minutes from the time I entered the delivery room to the time she was born. 20 19, it took more than 1300 to give birth to a baby. I entered the hospital the first night and was discharged at noon the next day. My milk came that night. I only drank the trial milk powder sent by the hospital for three times, and even the milk powder money could be saved.

Maybe god doesn't want to see her suffer. Since she was born, our life has become more and more smooth. First, her hometown was demolished, and she just caught up. For no reason, she bought an 85-square-meter house with hundreds of thousands of compensation.

On my husband's way back to his hometown to sign, the partner in Henan suddenly agreed to withdraw our equity and paid 250,000 yuan in one lump sum.

Then the boss of the company where my husband works intends to outsource the marketing business. After we took over, we re-registered the company and the business went smoothly.

During the epidemic, our debts were finally paid off. On the day of paying off the last debt, my husband and I cried bitterly. For more than four years, more than a thousand days and nights, we finally survived under pressure from all sides. ...

Written in the last words:

Friends, debt is not terrible, and life goes on. As long as you don't bow your head, there is no hurdle.

I wish all friends who are in debt an early landing!

46 years old, 2.8 million in debt. Now, in order to maintain my job, I must not let myself starve to death. As long as people don't die, there is a future. As long as they work hard, any difficulties will be solved