20 19 how many people are forced to be in debt for the new year?

According to the data released by the central bank, the total debt of China residents has exceeded the total GDP, which means that the debt ratio of China has reached 100%.

Why did China enter the era of "national debt"? Where did all the money go?

According to the data of the central bank, as of the third quarter of 20 19, the amount of overdue credit cards for half a year was 9191600 million yuan. In just two or three years, the amount of credit card liabilities has increased by nearly 12 times. This is just a credit card, not other credit products. If other credit products are added, I believe this figure will be scary.

At present, the average debt of young people exceeds 6.5438+0.3 million, and nearly half of the population has no deposit in the bank. Among them, the post-80s generation is the group with the most debts, with debts exceeding 200,000. There are about 65.438+700 million post-90s young people in China, but the per capita debt is as high as 65.438+2700 yuan. It is reported that these debts mainly come from credit cards, flowers, JD.COM IOUs, various lending software and private lending. According to the average salary of the post-90s generation, they need 18 months' salary to pay off this debt. Then we can't help but ask, what hollowed out the pockets of the post-90 s generation and made these young people who were originally full of vitality so poor?

Nelson Nelson's latest "20 19 China Youth Debt Report" points out that consumption plays an increasingly important role in China's economic growth. China's young people after 1990s have become the main consumers, and they have higher demands for their growth and quality of life. Credit consumption has become an important way of consumption upgrading. After 90/00, it accounts for about 23% of the total population of China, and they will dominate the consumption pattern of China and even the whole world in the next 5~ 10 years.

Interestingly, according to Nielsen's research results, 35% of people who use Internet staging products have more confidence in their future employment and 45% have more confidence in their future income, while among users without any credit, these two figures are 20% and 25% respectively.

Debt is not terrible. The terrible thing is that the ambition to consume is greater than the ambition to make money, and the ability to consume is greater than the ability to make money. So when you can't keep up with your earning power, plan your spending rationally and don't let debt become a burden on your life!

I am also a person in the system, but my debt is not much, about 200 thousand. Originally, I wanted to go abroad on a visa, and I could pay off my debts in one year. But I thought about it, I'm divorced, my children are in grade two, and my parents are over 80 years old. 20 19 years, I worked hard, regardless of my position, and I was no longer in debt. My son's living expenses were one month 1500 yuan. I work about 7,000 yuan a month, leaving only 300 yuan for cigarettes and 200 yuan for mobile phones. The remaining money (about 4500 yuan) is used to pay off debts. Owe people money, work hard to make money, and intend to pay off debts; Sincere attitude, no bad habits; Kindly stand by. Finally, a big order was signed in 2020, and construction started in the first month. Life has its ups and downs. In order to close a page, God will open a window for you. I saw the scenery on the bridge, and so did the people who watched it. The so-called life situation is nothing more than the ebb and flow of the tide, and only by withstanding the ups and downs of the trough can we look down on the secular world; No matter whether you are rich in the mountains or poor in the world, it is the sadness of the world: send a message to your father, parents will always care about us, and you and I will always care about our son. Heart to the sea, spring blossoms. It is said that we have a broader mind, aim high and work hard! For parents, for sons and for myself, I believe everything will be fine in 2020!

I am one of them. 20 19 is the saddest year in my 45-year life. 20 18, was cheated of investing more than 20 million yuan, resulting in unrecoverable funds. At present, I am in debt 1000 million. I once wanted to thank my creditors to death, but there were some old people and some young people. What if I die? Is it too selfish and too hard? During this year, I experienced all kinds of collections from creditors, playing the favor card, threatening and being sued by the court every day. Threats and inducements are coming. At first, I was embarrassed and embarrassed to lend money to my relatives and friends. To be honest, I haven't thought about owing money, but I really can't afford it at present. I can only wait for the police to see if I can get them back for me, and I can only work to make a living, not wait for him to make a comeback. I took four jobs this year and drove for more than ten hours every day. I didn't want to meet all the familiar people, so I chose to drive. I was so tired that I took it off and went home to rest. I worked for half a year until my bank card was frozen. I helped my friend look after the shop and sold tea for two months. His business is not good either. I couldn't get paid, because the environment was bad and there was no business, so I made live jewelry. Now an auto repair shop is the front desk. I am too busy to think about things every day. It's okay to settle down first and then start a small business. I hope the creditors can give me time! I will pay you back when I die! I have given you all my property. Don't push me again. It's no use pushing me again. I have only one life, although I am a woman. But I don't run, and I didn't think about not taking it, but I really don't have any money now. Please stop pushing me and give me some time. )

I am one of them, and I have not paid back nearly100000 yuan. 20 19 failed to start a business and failed to open a breakfast shop in the second half of the year! Don't like Chinese New Year! Everything will start again in 2020, come on! One day I will pay off my debts and live!

Tell me how I feel. I am a media design studio in Shanghai. Compared with 20 19, the business volume decreased by 60%, and all employees changed from full-time to part-time. I became a veritable one-man army. Family members are anxious, but friends regret it. They suggested that I find a company to do the p8 position with my existing qualifications and resources! But who knows it's easy to find a job? Opening an email address is to find a part-time job in disguise. At this age, instead of being confused, it is better to work hard, not to give up the obsession in your heart, not to cross the bottom line of being a man, and to live casually; I think it's unfair, but you haven't reached the top of the scale, so it's meaningless to complain; We still have to move on, but we can still consider taking a different road;

I have been in debt since I started my business on 16. Because I started my business with a loan, I haven't paid it yet. Last month, the capital turnover was blocked and the capital chain was broken. I'm about to collapse and almost want to die. I can't sleep for a month, but I can only tell myself that I can't give up, I'm not even afraid of death, and I'm afraid of debt. The more depressed you are, the harder you have to work. No one can help me, I can only rely on myself, and continue to refuel in 2020!

I am also in debt for the New Year, and my head is big. At the beginning of the year, I had some money. Suddenly my ex offered to break up with me, and then I was separated. Then find various reasons to ask me for money, taking the accident of parents as an example. Can I get out of the destruction? Later, I learned that I was cheated by her. It doesn't matter! Take it as a lesson. Who hasn't ordered yet? Grit your teeth and move on. Later, I signed up for a cpa course in a fit of pique, and then another friend, who was also a special hooligan, lent me 5000 yuan, which I would say was a typical shameless person. Later, at the end of the year, a friend's father had an operation, so he had no choice but to borrow money for emergency. Although the monthly interest rate is high, I don't want to ask for help, and I don't know if I can pay it off in half a year. Come on! By the way, I hope I have passed the remaining cpa and worked overtime honestly this year! Although the overtime pay is not much, it is better to talk than to lose face.

These days, there are too many debts around me, including myself. As long as it is not from a family background or a well-off family, there are very few people who are not in debt.

My situation

My coordinates are Taiyuan!

I graduated from university on 20 12 and am in debt. Because the family is poor, the university depends entirely on the national student loan!

Fortunately, I studied fairly well, and signed a contract with a unit in the railway industry before graduation (I won't go into details here).

After joining the company, the internship salary is half a year, a little more than 1000 per month. Just enough for my own life, there is no room for paying back the money.

Just after the internship, the girl who grew up as a childhood friend urged her to get married. At that time, I had 8,000 deposits on me. When I was biting my teeth, the girl waited for me for several years, and I couldn't put it off.

Married in March 20 13 with a bride price of 60,000 yuan. I don't have a house, and the messy wedding banquet cost more than 90 thousand. Parents gave 20,000 yuan, owed 70,000 yuan to relatives and friends, plus student loans, a total of 90,000 yuan!

Suddenly I feel a lot of pressure, want to cry, want to slap myself, have no money, why get married? Ask for it yourself!

Fortunately, my wife can participate in the competition. Although she is from the countryside, she has no education and no job, but she can bear hardships! They lived in the dormitory of the unit, saved money for one year and paid back 80 thousand. There are still 10 thousand debts left!

Just after 20 14, it is difficult to feel the debt. Think about having a baby!

My wife got pregnant in March of 20 14 and resigned in June. The only source of income for the family is their own salary. Apart from the living expenses every month, there is basically nothing left in the checkup.

20 15 February, the child was born and his wife and children were sent back to their hometown. On the one hand, it is inconvenient to meet people in other places, on the other hand, it can save money by sending them back to their hometown to show them to their parents. Since then, it has opened a road for a person to struggle to pay off debts.

In this way, the wages of state-owned enterprises are not low, but they are not very high and fluctuate little. Save money slowly. I began to think about part-time, work, and part-time walking on two legs. Just in time for the bonus period of Taobao and WeChat official accounts, although I am a part-time job and don't spend so much experience, at least I can count as an income, with a salary of over 10,000 yuan, which is regarded as an upper-middle income among Taiyuan wage earners.

2065438+In the middle of September 2005, my value turned positive and I had 60,000 yuan in my hand. I think it's time to buy myself a house. On June 5438+ 10, the loan mode was started again, with a down payment of180,000 and a loan of 500,000 to buy a house.

Fortunately, with the support of provident fund, the monthly repayment can basically be covered.

2065 438+06-2065 438+07, I started the belt-tightening mode for two years, where there is money to earn. I have basically done all kinds of part-time jobs on the internet, delivering express delivery and repairing home appliances ... My wife and children continue to save money for me in my hometown.

Pay off the debt at the end of 20 17 (excluding mortgage). There are 20 thousand to 30 thousand left in hand

20 18, I suddenly felt dizzy and unwell in March due to too much work. Insufficient blood supply to the brain is related to long-term high-intensity work. I gave up many part-time jobs. Only wage income and little part-time income also feel the importance of health. I thought about many things: many things are forced, life is not only rich, but also family!

20 19 years, house installation, salary 18, children take over when they go to kindergarten. Considering the problem of children's travel, I bought a LaVida with a loan of 60 thousand.

At the end of 20 19, the total liabilities were 270,000, the mortgage was 2 1 10,000, and the car loan was 60,000.

Fortunately, my wife is working again. Share a lot with me.

Looking back on the past few years, it is a history of cyclic struggle to pay off debts. Fortunately, although there is a loan, the framework of my home has been set up for me. As long as I don't mess around, I believe the future is still very beautiful.

Combined with my own personal experience, give some pertinent suggestions to young friends like me!

Hehe, I hope my answer is helpful to you!

I owe money to the bank in 2020 and look forward to paying it back soon. Although I don't know how many assets will be left in the end, it is always a hidden worry. The Housing and Construction Bureau has been in arrears with my project payment for seven years and five years. I hope you can pay me back this year.

After twenty years of struggle, I finally drew a circle. I'm glad I'm not old, and I still have the heart to fight and the courage to start all over again.