The debt is almost100000, how to turn it around?

19 in the second half of the year, my family gave me a credit card, with a total debt of160,000. I was just 30 years old and I wasn't married. So far, I have paid back 60,000 yuan myself, and the rest will be divided into 1 1000 monthly installments. I feel that the sky is falling, but now there is no way but to do more work. My salary is more than 9000, and I can't afford the loan. I still have a mortgage and working capital every month, and I dare not fall in love. Now I feel a little sick. But life has to go on, you are not much, come on.

Because what will be in debt? When my family bought a house five years ago, because the down payment was borrowed, I owed150,000 to 60,000 at most when I handed over the house. At that time, house prices were still at a low point, and my husband was afraid that buyers would cut prices. Plus, he owed so much money at that time, he couldn't eat or sleep every day, and he lost more than ten kilograms in a short time. Because we have pressure, we have motivation. At that time, the child was only two years old, and I threw it to my mother. My husband is a construction worker. He took some jobs on the construction site himself. When he has no job, he goes to the labor market to do odd jobs. Later, through hard work, he also completed it. Now that the basic mortgage has been paid up, I have changed cars. . As long as you have confidence in yourself, you can pay back100000 in two years at most.

In fact, for today's society, 65,438+10,000 yuan can be paid off if you have a skill and work hard for one year or more. Because my project lost money, I was in debt of more than 600 thousand. At first, I really felt that the sky was falling. I think about how to make money every day and buy several lottery tickets every day. Life makes me feel that I don't know how to move forward. For more than a year, I only thought about how to pay back the money. It is easy for a person to fall, but it is really difficult to turn over. Adjust your mentality and try to make money. Sometimes thinking about how to turn over doesn't mean you can turn over. Many things can't be forced, and opportunities are also very important!

I once owed hundreds of thousands of credit cards, and it took me two years to pay them off. It is easy to get a credit card, but it is too difficult to pay back the money. Because a person's ability to make money in a certain period of time is limited, but if he blindly wants a high credit card and runs out of credit, he will die. How to turn over when you are in debt of hundreds of thousands? In fact, this problem is different for everyone, because everyone's situation is different. Some people have strong earning ability, some people have weak earning ability, and some people have professional skills or high academic qualifications, and they earn tens of thousands of dollars just by looking for a job. Some people, who have no education and skills, are diligent and willing to endure hardships, but they can also pay off this debt.

If you want to pay off your debts, no matter whether your earning power is strong or weak, the most fundamental thing is to open up new sources and reduce expenditure, that is, to find ways to earn more and spend less. Of course, it is impossible for us to earn 3,000 yuan and spend 3,000 yuan 1500 yuan, at least half of which is used to pay off debts. Let me talk about how I used to pay off hundreds of thousands.

Get up at 5: 30 in the morning and work all the time, whether on weekends or holidays, day or night. Originally, I rented a house for 600 yuan, but I didn't have the money. I rented a house for 350 yuan just to save more money. Earn tens of thousands a month and spend more than ten dollars a day to pay off this debt. There is a saying that these debts will be paid sooner or later. You spent all these debts or lost your business, it was all your own doing, and you swallowed your own bitter fruit. Only you can save yourself. How do you know how much you can do without forcing yourself? After paying off this debt, I found that life was actually forced out. As long as you are hard on yourself, there is no hurdle. In a bad debt mood, friends ignore you and relatives ignore you. You can only do it silently, in a word, and you can't think too much, because thinking too much makes you feel sad.

If you have no education or skills, I suggest you go to the construction site to move bricks, two or three hundred yuan a day. If you have sales experience, I suggest you do sales, because the income is not capped.

When you have paid back more than 100,000 yuan, you should sober up seriously and sum up why you owe so much money and why. In order to avoid repeating the same mistakes in the future, don't treat these debts as a kind of debt, that is, your life is a paving stone. Only through this kind of debt can your future life be more stable and you know money. How to come, how to go, how to prevent and avoid excessive debt.

So everyone's situation is different. How to turn over, I can only tell you a general situation myself.

Debt 65438+ ten thousand want to turn over. This problem is very simple. You only need to meet the current sales industry in the working class, and you can turn around in one year, which means that your monthly salary can reach 1 1000 yuan. Then let's see where you want to work, and it will take a year to turn over.

20 19 industry wages

As can be seen from the above figure, the industries with a monthly income of over 10,000 yuan are: Internet, communication, finance, real estate, professional services and education and training. In other words, if you want to earn more than ten thousand yuan a month, you must choose a job that suits you.

Select the nature of the company

As can be seen from the above figure, as long as it is not a public institution, the monthly salary can basically exceed 10,000, and it is not easy to enter a public institution. This just saves you a lot of trouble, and everyone can enter the private enterprise.

Select company size

Judging from the size and probability of the company, the more people there are, the higher the average salary level of the company. However, if you are in sales, the real estate industry is still good. If you are a financial broker, you can choose others according to your ability.

On the whole, according to the above centralized selection, the probability of monthly income exceeding 10 thousand is high, and the debt can be paid off in one year. In other words, after one year, you will have a deposit of 654.38 million yuan every year, and you will definitely thank yourself for your efforts now.

This question is too general to answer!

Whether the debt of 65,438+10,000 yuan brings a burden to personal financial situation depends on the proportion of this debt to personal assets. Or in layman's terms, it is closely related to the individual's repayment ability.

Let's just say. The debt of 65,438+10,000 yuan has really put great pressure on his financial situation, and he urgently needs a better solution. Or it can be said that it is good to get a spiritual comfort even if there is no substantive way.

Then, it is particularly important to quickly change the proportion of income and expenditure, that is, improve your consumption habits, on the premise that your wealth constraint-wage income cannot explode in a short period of time.

I try to give three suggestions for your reference.

In fact, hundreds of thousands of debts are not a lot. At present, millions or even tens of millions of people in society are in debt. As for how to repay these hundreds of thousands of debts, they can be repaid step by step. Of course, it depends on your actual situation. Here I give you some suggestions, which you can refer to.

First, if you have some properties to sell in your own name, I suggest you sell them first to pay off your debts.

The hundreds of thousands of debts you mentioned here, I don't know how you borrowed them, whether they were mortgaged by property or borrowed entirely by credit loans or overdraft credit cards. But in any case, your current debt of several hundred thousand is not a small amount, and financial institutions such as banks will definitely try their best to make you pay back the money. If you don't pay back the money, they will take you to court, and the court will make a judgment after accepting the bank's lawsuit. If there are related assets under your name that can be auctioned, the court will auction your assets at the request of creditors to repay the debts of financial institutions.

However, in the process of court auction of assets, the price is often relatively low. For example, a house of 1 10,000 may be auctioned by the court for 700,000 or 800,000, and you will lose some property invisibly. Therefore, after you have not paid off your debts, if there are related assets under your name that can be auctioned, I suggest you take the initiative to sell these assets so that you can sell them at a good price.

I don't know if the hundreds of thousands you owe are interest-free loans or interest-bearing loans. If it is an interest-bearing loan, if you can borrow money from your relatives and friends to pay off your debts after maturity, then I suggest you borrow money from these relatives and friends to pay off your debts first. Because for those interest-bearing loans, if they cannot be repaid at maturity, they will face many penalty interests, and these penalty interests are interest-bearing. The longer overdue, the more debt. Relatively speaking, you can borrow money from relatives and friends to pay off this debt, at least you don't have to pay such high interest, and there is no penalty interest. You usually give them some benefits, or just invite them to dinner, which can reduce your repayment pressure.

For ordinary wage earners, it is really difficult to repay hundreds of thousands of debts in a short time. If you owe hundreds of thousands of debts through overdraft credit cards, I suggest you negotiate with the bank as much as possible and repay them in installments before the deadline. Never wait until it is overdue to negotiate with the bank, because once you are overdue, the bank will not negotiate with you for repayment, and will definitely let you repay in full through various reminders.

However, if your credit card is overdue and you really can't repay it, and the bank doesn't agree to negotiate repayment, then you can only wait for the bank to take you to court, and then the court will trace the assets and find that there is no property under your name for execution. Finally, the court will generally coordinate and ask the bank to stop paying and return it to you in installments, up to five years.

Nowadays, online lending, including private lending, is very popular, and many people bear huge debts because the interest after contacting these non-performing loans eventually leads to the accumulation of debts. For example, some friends only borrowed a few thousand dollars at first, but after the expiration, they were unable to repay them, and finally they rolled to tens of thousands or even hundreds of thousands.

For these high-interest online loans or private loans, you can refuse to repay more than 36% of the interest, or even more than 24% of the interest. Because according to the relevant laws and regulations of our country, the interest rate of private lending is not protected by law, and more than 36% of it is usury. If you have paid more than 36% interest, you can ask the lender to return this part of interest, and the court supports it.

With this legal provision, everyone can aboveboard refuse to pay more than 36% interest. If some online loans violently demand money from you, do not hesitate to call the police. Don't be afraid. The more you are afraid that debts will accumulate, don't be afraid. If you encounter this kind of usury, you must stop the loss in time to minimize the loss.

Fifth, after the debt has not been repaid, don't try to repay the old debt by borrowing online loans or usury.

Many people's debts are getting bigger and bigger, which is often caused by robbing Peter to pay Paul. Therefore, after your debt is not paid, no matter how stressful it is, I suggest you never touch usury or online loans easily, and don't try to rob Peter to pay Paul to pay your debts. This road is no good.

In the face of high debt, we must hold our horses and try to pay off this debt in a formal way. Never take some crooked ways or trust those high-interest loans easily, otherwise we will get deeper and deeper and the debt will accumulate higher and higher.

Finally, in order to pay off these hundreds of thousands of debts, the core is to create more income.

The five points mentioned above are just repayment strategies, which can't fundamentally solve your debt problem of hundreds of thousands, because you have already owed hundreds of thousands of debts, and you have to pay them back anyway.

So the first thing you should do now is not to worry about how to pay off this debt, but to find ways to create more income. In addition to your normal job, I suggest that you can make full use of your spare time to do some part-time jobs and do as much as possible where you can make money. Although it's a little harder, at least you can earn more money. Only when your income increases can you pay off these hundreds of thousands of debts.

I have a say in this question, because I am currently in debt of 80,000 yuan, which is 96,000 yuan. I paid back a little this year, and the rest will be paid back slowly. After all, I am stressed and motivated. After all, I usually spend a lot of money, and my wife and children have to be raised. Now I want to earn money in this society. I can work normally during the day and find a part-time job at night. Earn a little more, young man, for a happy life in the future.

First of all, 654.38+ million is not much for today's society, but you feel pressured. My suggestions are as follows:

1. Divide the current income into two parts, one part is the necessary part of life, and the other part is temporarily called "balance";

2. 50% of the "balance" is used to repay debts and 50% is used for savings, of which savings can be divided into normal savings and small treasury, which is an immovable asset.

The main reasons for this situation are:

1. Assure your creditor that you are able or willing to pay back the money, and he can rest assured that you have no worries;

2.50% ratio Generally speaking, the creditor will accept this ratio when evaluating your income and expenditure;

Part of storage is to give yourself a guarantee or motivation. After paying off your debts, you won't have nothing. After paying off, you still have your own savings, which is the starting capital for your subsequent life or career.

4. Part of it can be transferred as a small treasury, which belongs to a reserve fund and is different from a savings fund. This is for emergency use, that is, you should ignore its existence and activate it in case of survival or other emergencies. It is recommended to reserve in cash or realizable form.

The above is my suggestion, plan well, make money hard, and wish to pay off the debt as soon as possible! !

First of all, put an end to all kinds of online lending platform excuses and rob Peter to pay Paul, so that it is a good career to get some start-up funds from home and earn some breakfast by yourself, or the most popular internet entrepreneurship now. Learn more, see more and do more. Take the right way to make money and you will make more and more money.