With a debt of 500 thousand and nothing to do, how to face the next life?

I tell you from my personal experience that the debt of 500 thousand will rise soon as you work hard.

Just got married and got into debt of 50 thousand. My husband works for someone to drive an excavator, saving money and paying back 30 thousand a year. Because I didn't want to work all my life, my husband borrowed money from my cousin to buy an excavator the next year, owing 50 thousand, plus 70 thousand that I didn't pay back before.

In the third year, because there were few car shares with my cousins, I couldn't get much money in a year, so I borrowed some money from my two sisters with the money I earned in the second year and bought a second excavator in partnership with my husband and comrades. Now, together, we are in debt of more than 200,000.

Because the two cars were partners before, they separated after a long time and bought several cars each. The first car was bought by my husband alone.

There was no increase in debt until this year when I bought a bigger one in partnership with my eldest brother, with a debt of 400 thousand.

For so many years, the pressure is really great, there are too many hardships and twists and turns, but my husband has worked hard, and the foreign debt has been offset in the first half of the year, and there is still more to pay.

Work hard and anything is possible.

Hello, everyone, my name is Quotation Yamako, and I'm glad to answer your questions.

Let me tell my story. /kloc-I bought my first two cars in 0/4, and was engaged in financial sales at that time. About 200 thousand when I bought it. After working for two years, I started an agency with some friends. For various reasons, it closed after half a year. At this time, the debt of car loan has reached 400 thousand to 500 thousand, and the monthly expenses of the family are more than several thousand. In the end, the car was bought by mortgage, and eating every month became a problem, not to mention anything else. This is 16.

By the first half of 20 17, my life had reached a low point, with more than a dozen people demanding debts every day and my wife quarreling every day. At this time, I have been asking myself why my life is like this. Although it is difficult to continue my daily life, I never gave up my life until the second half of 20 17. Because of a coincidence, I was invited by my friends to participate in the management of the company in the form of performance shares.

/kloc-At the end of 0/7, my friend directly transferred the company to me. There were a dozen people at first, but the employees behind were poached by friends for various reasons, and the business was in trouble. Until the beginning of 20 18, they were in debt of several hundred thousand. At this time, even employees' wages and rents can't be paid, and life is lower than the trough. In April, my second child was born, and more than ten thousand children were born. I am very happy that my second child is very prosperous. A friend gave me a project to slowly revive the company and pay employees.

By the end of the year, people gained weight and bought a car of more than 400 thousand and two babies. Maybe many people come here and think that my life will be smooth sailing. It was not until 19 that life took me back to the past. For various reasons, the company spent a lot of money and lost a lot of money every month. Because I couldn't do it anymore, I sold the car again, and I owed 200,000 to 300,000 from the beginning of this year.

I feel that my life is a portrayal of ups and downs. I will be 30 years old after this year. Everyone says I will stand at 30, but I still want to start over. People said I was invincible Xiao Qiang, so I fell down and got up again. I believe that as long as you are alive and confident, no matter how hard life is, there will always be a day in the past.

This is my story, and it ends with a favorite motto. When you are disappointed, look up to yourself. When you are proud of your success, you should look up to others.

With a debt of 500,000 yuan, it is not too much to say more, and it is not too little to say less.

I don't know the source of your debt, whether it is environmental factors or man-made. There are many forms of debt, such as mortgage, car loan and consumer loan. This is a problem of economic structure, and income has far exceeded consumption, which is normal. There are also investment failures, all of which are artificial.

There used to be a joke on the internet, 0 in debt, a comfortable person; With a debt of 50 thousand, he is a consumer; With a debt of 200,000, he is a person who understands finance; A debt of 500 thousand is a capable person ... of course, a joke is a joke after all. Only those who are really in debt know what it tastes like. I have been in debt, not as much as you. I struggled for nearly five years. Fortunately, I survived, not from experience. Here are some personal experiences.

First of all, when in debt, emotional management is the top priority!

You can't give up and lose confidence just because you can't afford it for a while. This is no longer a personal matter, but also affects family members. You must be calm and pretend to be relaxed. Anyway, life should continue and maintain a good relationship between husband and wife. Only when the family is United can you regain your confidence and have the energy to plan the next step.

Secondly, keep good contacts and maintain good credit.

When I 12 opened the restaurant, 80% of the money was borrowed from friends, and it closed in less than a year. I am surprised to think that I don't know anything about catering now. I won't go into details. In short, I am heavily in debt, nearly 200 thousand. It was a disaster for me at that time, and it felt irreversible. So I was dizzy all day, and my heart died when I saw my parents worried about me. Fortunately, I have a good friend who comes to see me every day to enlighten me. I still owe him money, but he never talks about it. Soon I will come out and re-examine myself. I can't do this anymore. I am still young. So I went to all the people who owed money and begged for mercy one by one, until all the debts were paid off and our friendship was never unfamiliar. Now that I think about it, everyone is compassionate, but sometimes we may not really put down our face. So no matter how hard it is, credit is indispensable, and connections are really important.

Finally, sort out the debts and make the next plan.

Look at the money owed. Those are loans and those are borrowed by the people. It is best to pay off the interest first, even if someone borrows it again, you must pay off the long-legged debt first. Bank credit is very important. One more thing, don't use loans to support loans, especially online loans now. This is a bottomless pit.

After sorting out the foreign debts in order of priority, plan the repayment time, so that you won't be distracted, and you can plan the next step with goals, whether to go to work or start a new business. Of course, if you still have resources, you can make a little fuss first. It's no accident that you owe 500 thousand. You must still have some abilities. Of course, we still have to do what we can and plan. After all, we still have foreign debts to pay, so remember to be cautious.

There will always be disappointments in life, but there is no hurdle!

Cheer up and start a new project. The more debt you have, the less likely you are to work, unless you work to learn skills and then start your own business. Entrepreneurship is not afraid of small, you must have a good brain.

Debt of 500,000 is not a big problem. The key is what to do next. This is the key! Give full play to your strengths and sum up why you are in debt of 500 thousand. There will be no treasure in the sky. I am now in debt of 654.38+0 million. I will seize the opportunities around me and give full play to my strengths. As long as people live, motivation will always exist.

Again, when you pay off 500 thousand debt, look back and think about what else you can't pass! Remember that people have to fight to the death. It's natural to pay back debts, so don't run away. When we die, people around us will look down on us even more. When we pay off our debts, people around us will sit up and take notice, and the next road will be easy.

Not afraid of failure, I am afraid that I don't know where the failure is!

Powerlessness is not despair,

When a person is in debt, whether it is 500 thousand or more or less, he will have pressure in his heart, and even be at a loss and helpless.

What should I do in a difficult situation?

With debts on my back, I feel a little heavy, unable to speak, indecisive, always tired on my face, closed-minded and lacking in self-confidence.

This mental state will only make your situation worse and worse, and it will also hurt your family. Children can't study with peace of mind, and parents are worried about you all day.

When creditors see this, their trust in you will be minimized, and the demand for debt will increase, making you more difficult.

A positive attitude is a good way to change the predicament.

First of all, we should adjust our mentality and gradually establish confidence. Where does the motivation come from? You should put down your baggage and set up a good image.

For the sake of children and families, we should start from family life, appease our wives, care for our parents, comfort our children and maintain a good family atmosphere.

Don't shy away from creditors' demands, make clear the current situation and difficulties, and tell them the determination and sincerity to pay their debts. Let's give some time to pay off the debt.

With the support and help of my family, I can find a job that I can support my family life and other expenses. The days of careful planning are a bit bitter, and I beg for peace of mind.

A positive attitude can win the favor of society and people of insight. With the opportunity to earn money or get support and help, the debt of 500 thousand is nothing.

Facing difficulties:

It may become more and more difficult for people who get lost.

Many brave people have changed their fate and gained happiness.

I hope everyone can be strong.

That's what I'm doing now, and it's credit cards and online loans. I found a part-time job after work, but I dare not confess the specific figures to my family. I've been working part-time for almost a month. Take your time.

First of all, make your own situation clear to creditors and make a repayment plan. Then, list the repayment target, your income, remove all unnecessary expenses, leave the money necessary for life, and include the rest in the repayment. Then calm down, find out your ability to make money, set a goal, the direction of making money, and strive to make money.