Look at debt! How did you get ashore?

As a person who has worked in a bank for a long time, talk about some of my own ideas.

People used to say that there is nothing wrong with being sick and having money.

There is another saying among the people: money is hard to borrow, and shit tastes bad.

You borrowed so much money.

Actually, first of all, I want to congratulate you. You can borrow so much money. Some students lend you money. You can also apply for a credit card at CCB, with an overdraft of nearly 20,000. It should be said that your previous economic foundation is still ok.

But why are you in debt now? This is where you need to reflect. Generally speaking, you should live within your means and do as many things as possible. Don't borrow more money than you can afford if there is nothing particularly serious or life-threatening.

Now, you are basically cornered: classmates and friends can't give you any more money because you still have classmates' money to pay back; No bank will give you a credit card again, because you already have a bad record, and you must also borrow money from the company.

So, what should we do?

First of all, it is the key to open source and improve the ability to make money. If you don't have a job, get a job or go to work. This is the core of your predicament. Don't expect a pie to fall from the sky, and don't expect to save yourself through the charity of others. We used to say that we could only solve ourselves by ourselves. If you already have a job, you can find another part-time job to increase your income.

Secondly, first find your classmate, tell him your situation, get your classmate's understanding, and promise a repayment period to show your sincerity. After all, you are classmates, and he can understand unless your character has no trustworthy value. Of course, you have to promise to give a normal interest rate. After all, you have taken up other people's funds.

Third, borrow money from parents and relatives and pay off credit card debts as soon as possible. After all, the penalty interest on credit card overdraft is very high. Under normal circumstances, there will be penalty interest and late payment. The late payment fee is 5% of the unpaid part of the minimum repayment amount, and the penalty interest is the full penalty interest, that is, the daily interest of five ten thousandths of your total loan amount. At the same time, you will be blacklisted. Therefore, repayment as soon as possible is king.

Fourth, through your job and part-time job, you can repay the debts of small loan companies as soon as possible. Fortunately, there is only 1300 a month. You should be able to pay it back if you work hard. Now it is a market economy, not a sympathetic economy and a moral economy. You must repay the money you owe through your honest work before you can go ashore.

Finally, I want to say that your debt is not much. Your classmate owes 20,000 yuan, CCB credit card 20,000 yuan and small loan company 1300 * for five months, totaling 6,500 yuan. Therefore, it should not be the reason why you are at a loss. As long as you make proper arrangements and really work hard to make money, I believe you can go ashore in two years at most and at least one year.

Work hard and give up all illusions. As long as you really work hard, your life will be beautiful.

Try not to get into debt, it must be tasted. Borrowed and returned, it is not difficult to borrow again. Honest and wonderful.

Open source and reduce expenditure.

First of all, you have the cheek to borrow as much money as possible, swap bonds with high interest rates, and strive for more time to pay off debts. There are many things to do next, so calm down and coordinate your schedule.

1, get up early, read books, study, think, exercise, and think about why you have come to this point. Do this first, and you will have ideas slowly, and you will get out of trouble sooner or later.

2. Finish your main work with high quality. Don't be lazy at work, even if you think about it, there is no way out.

3, learning and thinking is open source, all-round open source, use the time outside the main business to do more sideline, try to accumulate assets, which one? Think for yourself, study unexpectedly, step by step, the more you can't be anxious at this time, and put an end to the idea of making quick money.

4. Write down the debt clearly, define the repayment plan, read it once a day, and urge yourself.

5, throttling, as long as you are hungry, cut all expenses except investment. As for the money spent as an investment, I weigh it myself.

Again, learn if you don't understand. I wasn't sure it was because I was lazy. Failure is basically laziness in thinking and learning, and action is only the result of thinking.

Generally speaking, the details are up to you.

I'm glad to answer your question. First, let's look at what types of foreign debts you owe:

If it is a debt of gratitude, you need to put down your posture, explain your current situation to the other party, and ask the other party for more time. You must be sincere. I believe that the people who could lend you money at the beginning were either relatives or friends. As long as you say it, they will never force you.

If it is the bank's money, take the initiative to communicate and negotiate with the bank, request to suspend the account and expand the installment. This process is extremely difficult and needs to be slowly ground with the bank. The bank will refuse your request for thousands of reasons and will take pains to collect it from you. At this time, you should pay attention. Don't lose contact, don't answer the bank phone, or the consequences will be very serious.

If it is an online loan, first find an IRR calculator on the Internet to work out the real interest rate of the online loan. You can ignore the online loans that exceed the interest rate stipulated by the state (the real interest rate of most online loans now exceeds the red line stipulated by the state). You should go to the relevant platform to complain about a wave, and then negotiate with the other party when you have money, and repay the loan at a reasonable interest rate or only the principal.

Since we have experienced an entrepreneurial failure, we should conscientiously sum up past experiences and lessons and stand up from where we fell.

Everyone's situation is different, and the way to go ashore is different, so if you want to go ashore completely, you have to make a judgment according to your actual situation.

It's a long way to land, and no one can do it overnight, so don't imagine a reliable way to get rich overnight. Now there are many scammers on the Internet. Taking advantage of everyone's psychology of wanting to land quickly, we recommend some so-called fast landing projects and ways to cheat money. So be sure to polish your eyes.

I believe that as long as we are pragmatic about the immediate difficulties, down-to-earth and step by step, we will eventually land successfully.

Get a job, do it down to earth, stand up first, and then talk about running.

I am very happy to answer: "How to pay off debts?" This question! In the face of the debt problem, we must firmly believe that debt is not terrible and there are ways to successfully land.

In economics, liabilities refer to the current obligations formed by past transactions or events of an enterprise, which are expected to lead to the outflow of economic benefits from the enterprise. According to the definition of liabilities, liabilities have the following three characteristics. 1. Liabilities are current obligations undertaken by enterprises; 2. The settlement of liabilities is expected to lead to the outflow of economic benefits from the enterprise; 3. Liabilities are formed by past transactions or events. Liabilities in this issue generally refer to personal liabilities. How does the debt land? In essence, it is a problem of saving the personal debt crisis and not letting the debt get entangled! The following are some solutions I have provided for your reference only.

First, adjust mentality and build confidence. First of all, the personal debt dilemma is not acceptable to most people, but the debt has already arisen. This is an unchangeable fact, so I should admit and accept it psychologically. Secondly, in the case of serious imbalance between consumption and income expectations at this stage, the personal debt dilemma is more or less a common state for most people. Mortgage and car loan are under great pressure, not to mention unfavorable investment. So we don't need to be too bitter and worried. Thirdly, there are many opportunities for re-employment and re-entrepreneurship. We must have confidence and believe in ourselves in the face of debt. Through our wisdom and hands, we will be able to repay our debts and individuals will definitely get out of the debt crisis.

Debt is not terrible, the most terrible thing is collapse. We must regain our confidence and strive for a better life.

Second, figure out where your debt comes from. For example: 1. Credit card debt caused by credit card overdraft, eating, drinking, shopping and entertainment, or inability to use the money on the credit card for working capital investment. 2. Borrow money from relatives and banks for business activities and generate liabilities. 3. mortgage, car loan. 4. Gambling debts, usury, etc. 5. Debt caused by family members or serious illness. 6. Liabilities caused by unstable long-term work and unstable income. Clear up your debt situation: how much do you owe? Who do you owe? What are the conditions? Make a list, write down all your debts, and write down all relevant facts, including the name of the creditor, interest and so on.

Where does the debt come from? What is the total debt? You should know what you are doing.

3. How to deal with various debts 1? If all your credit cards have been maxed out, write down the card number and the amount owed, cut it out or throw it away, and then negotiate with the bank to explain your current situation, let the bank reduce the penalty interest and interest, and negotiate with the bank about a feasible repayment plan. Secondly, all kinds of small loan software shopping apps on the mobile phone platform have also been deleted. Leave a savings card and buy something urgent.

2. Stripping off illegal debts, many people's debts are not legally debts. For example, gambling debts, others know that you are gambling and lend you money, which is not protected by law. Related to this are usury and so on. If you don't retreat, you won't retreat. Ask for legal aid if necessary.

3. Seek grace through actions. You don't need to hide your personal debt dilemma. People around you or creditors (including bank loans and car loans) should be very clear. In this case, you should put down your posture, talk to people with your own practical actions, and sign repayment agreements and installment plans within your own ability.

Step 4 ask for help. If there is too much debt outside, or the interest is too high for you to bear, you can find a way to pay it back first. If you have no money, you can borrow money from your parents, relatives and friends. In short, we must first solve the debt with excessive interest rate.

The general principle is that no new debts can be added.

Fourth, make a repayment plan. People always need motivation to make a repayment plan for themselves, so that they can pay off their debts more orderly and quickly.

5. Open source and reduce expenditure, and concentrate on paying off debts 1. Try to get rid of bad habits in life, such as smoking, drinking, gambling and other bad habits that hurt money, which will also save a lot of money

2. Carefully plan your own funds, use the money on the cutting edge, and ensure that every sum of money is well spent.

3. Make your own income direction and find yourself a way to make money, either looking for a job or starting a business. If there is still a small amount of money after paying off the emergency debt, you can make a comeback, then you can choose the right entrepreneurial project. If you have no money, find a job that you are good at and try to make money to pay off your debts.

6. Stick to it until you pay off your debts. You didn't owe so much debt in one day, so don't pay it off in a hurry. There is no way to pay off the debt quickly, but you must study. How to control your debt will calm your mind. Once you know your expenses and debts, it will become easier and easier to insist on repayment.

In short, debt is not terrible. In the face of debt, we must first establish confidence, secondly, we must find ways to increase revenue and reduce expenditure, and finally we will succeed with our own persistence.

As a financial investor who has been in debt for many years, he will soon go ashore. Let's talk about how to gradually reduce his debt.

In the process of increasing debt,

First, because of the misjudgment of personal ability, it is believed that the accumulation of wealth can obtain huge short-term benefits through the operation of personal ability.

Second, in the process of wealth accumulation, we ignore the sensitivity beyond our eyes.

Third, the rapid growth of wealth, in the absence of morality, may lead to the rapid expansion of the heart, and the tone of talking to friends is greater than that of the people.

Fourth, we misjudged the risk tolerance. Usually, the growth of self-wealth we see does not mean that the future wealth will grow like this. The national economy will fluctuate for various reasons, and the government, as a public authority, has various abilities to resist risks. For individuals, there is no risk tolerance without the consciousness of not putting eggs in the same basket.

Next, how to get ashore.

1 first of all, you should be familiar with your own ability circle, clearly know what you can and can't do, and do what is urgent and can maintain your basic survival in advance.

2, self-appreciation, in the final analysis, either broaden the circle of ability, or deepen the depth of ability, make plans for what you want to do every day and every month, just like the ending in the Korean movie "Parasite", life without plans, you don't know how bad it is. Self-management and planning are absolutely necessary to get rid of the burden, and opportunities will not fall from the sky, let alone care for a lazy person.

3. With money, you can achieve basic survival through manual labor such as drip irrigation and coolies. It can also be solved by mental work such as writing. These are all jobs for basic survival. You don't have to feel that this is lowering your personal value and there is nothing to be ashamed of. If a person can't even solve his own survival, that's the real shame. While solving the basic survival, we must always earn a little more than the basic survival needs. Only with a little money in hand can this person's mentality and mood become more and more stable, and people can live without others and become more and more confident.

4. Pay off your debts step by step. While living in a long-term planned basic state, you will find that you have a deep understanding of what you are doing and whether it is possible to make quick short-term profits in some things. If so, congratulations, do it outside the basic survival, and don't think about anything else after you finish it. Pay off the debt first, and slowly you will find that everyone around you is ok and willing to listen to your views on some things.

Don't rob Peter to pay Paul, but through multiple loans, because we personally have no ability to resist risks, plus the payment of interest, this debt will only accumulate.

To sum up, maintaining basic survival, doing deep cultivation and planning, striving for low-risk short-term profits beyond basic survival, staying with the right people, listening to other people's opinions and correcting their own direction of progress will gradually reduce the debt.

Here, I also hope that everyone who carries a heavy load can go ashore in time and be a light-hearted person without debt.

Your debt is not too much, only close to 50 thousand yuan. There are three types of debt. First, apply for 20,000 CCB credit cards. Take the initiative to communicate with the bank, show the willingness to repay, and pay back first when the funds allow. If it is not enough, apply for installment repayment. If it is tight, you can get a refund of 5 yuan every few days. Don't form a malicious overdraft, and you won't go to jail. Secondly, you should pay back the 20 thousand yuan lent to you by your friend first, and don't lose a good friend who is willing to lend it to you. Third, 1300 yuan's small loans can be slower. If the address book has not been exploded, it should be negotiated with the small loan company. If the address book is broken, it will not be returned for the time being. Finally, if you want to go ashore, you must first adjust your mentality, find a job to make money, or you can make money part-time to solve the debt repayment problem.

How does the debt land? You can take part in the book Babylon Millionaire, pay off your debts in three steps, and finally pay off your debts and go ashore.

0 1. Look for past sources of income, and try to open up sources to increase income if possible.

To pay off debts, you must have a source of income, and only when you have money can you pay back the money. If you want to pay off your debts quickly, you must have more money.

02. How to use money to pay back money also requires skill.

If the amount owed is large, you can summon creditors and agree with them on the monthly repayment amount, and it is best to reduce interest.

In addition, the monthly income should be divided into three parts: one part accounts for 40% for daily living expenses; Part of it accounts for 50%, which is used to repay debts in equal amount; The remaining 10% can be saved or used for investment and wealth management, so that the funds can continue to increase in value and prevent unexpected expenses.

03. Financial investment, let Qian Shengqian.

Many people pay off all their debts as soon as they have money, which leads to poor life, poor food and poor health. Accidents are easy to happen at work, which makes life more difficult.

In addition, if the rest of the money is used for investment and financial management, on the one hand, many a mickle makes a mickle, on the other hand, it can also be used as an emergency in life, so there is no need to borrow money to solve urgent needs.

In a word, debt is not terrible, but the loss of income is terrible. If you are in debt, you can stop the interest rolling and negotiate a fixed monthly repayment with your creditors. I firmly believe that one day your debt will be less and less.

I'm glad to answer your question. I owed a lot of debts before, so I'd like to share my experience today.

I worked in the paper industry and started a company myself. It is very difficult for the company to start business at first, because the finished products must be sold before the funds can be withdrawn. After all, there is not so much capital. New products may depend on traveling around. But this will not happen overnight. It needs customer recognition and market conditions. Take your time. We must know that manufacturing investment is large, electricity is a major item, and raw material workers are paid, so products cannot be sold, and production cannot be carried out without withdrawing funds. That can't be stopped. The loss of downtime is even greater. I have to borrow money from relatives and friends everywhere. Go to the bank for mortgage. Maintain production. But after all, this is not a solution, not a long-term solution. At that time, I was forced to find a way every day. Later, I ran around with the salesman to promote our products and then promoted them. You can also do activities. Use festivals such as Double Eleven to engage in activities. Launch the product. Slowly, customer resources will increase. With more customers, there will be funds. There is also a negotiation with the raw material side to use the raw materials first and pay in installments later. Promise to use their materials later. So you don't have to go to the bank for a loan and you don't have to pay a lot of interest. Slowly, bit by bit, the harder the better.

This is my experience of climbing up a little bit after I got into debt. I hope I can help you.