Psychological weakness of people who owe money

Psychological weakness of people who owe money

We all know that trust between people is a bridge of communication. Many people lend money to their friends because of trust, so they are honest, but some people always delay paying back others' money. Let me talk about the psychological weakness of people who owe money.

Psychological weakness of people who owe money 1 The first taboo is "kindness"

People who believe that they can get loans in life are kind-hearted and compassionate people. However, debtors often use this to delay the repayment process, tell you their own difficulties, and make you feel sorry for yourself, even for yourself. In the long run, it will be far away, making you feel that you have to ask for it again, so it is not a thing.

The second taboo is "fainting"

You are confused. If the debtor says something grandiose and meaningless, you will forget your purpose, lose your direction and always come back despondently. It is a fact that you are in debt, so we should get to the bottom of it and not let the debtor suffer.

The third taboo is "cowardice"

As I said before, people who can get loans are kind and compassionate and don't want to make things bigger. As a result, the debtor is a little tougher, scaring you and being cowardly. This is the biggest taboo for debt collection.

Ma Weidou of Guanfu Museum said, "If you lend money to a person, don't lend it to him if you want it." . I think he is right. If you do something with a purpose, it may not be achieved. Since it may not be realized, we should consider the consequences. If it is acceptable, then we can do it. If it's unacceptable, why bother?

From a psychological point of view, such people will encounter external causes. Once they encounter any difficulties in the process of paying back the money, it will be attributed to external factors, pretending to be sorry for you or making excuses instead of trying to pay off the money. What's more, it will attack you, so if you lend money to such a person, you may not even get a thank you in the end.

People with high self-esteem are thin-skinned and unwilling to owe others. Even if there is, they are not practical in their hearts. Pay it back as long as you have money. Even if you have no money, you will say hello. Money to hand over, no money to hand over.

The average person borrows money without interest, and the money depreciates more and more. The borrower suffers in both directions, without interest, and depreciates. For the borrower, the longer the time, the less valuable the money is, which is beneficial to him.

People can't stand if they don't believe it. Distinguish people who have no credit around them.

Although I knew I had to pay back the money, the economic flow could not be alleviated, so I didn't promise to pay back the money. This is actually very common. If the client is more reasonable and more face-saving, then he will feel embarrassed.

It is really the actual situation that causes the delay in paying back the money. Many times, people are afraid to meet the people who lend them money because they are embarrassed. They are afraid of being asked for money, but they are unable to repay it.

This is human nature that we can understand, but many times, if it is really impossible to repay, avoid affecting the relationship, and suggest explaining the situation to the parties. After all, if the other party is not a local tyrant, it will still care why the promised repayment period has not been returned, and whether it is necessary to breach the contract.

Summary:

First, don't spend too much money, such as usual use and shopping. That is, not too much money. Maybe some people are too old to remember. You should remind him in time and see his reaction.

Second: there is a lot of money. If you don't return it all the time, there will be a problem. Now the society is embarrassed if it owes less money, but it is not embarrassed if it owes more, and it deliberately does not want to pay it back or deliberately delays it!

Most of those who don't pay back the money have been through many battles. You know, he definitely doesn't just lend you money, so you have to lend money to others, and even the best friendship will actually turn into a cloud.

The ancients said: three points are fine, three points are stupid, and three points are left behind. Don't do things too well. Mills of God grind slowly but sure. What you get in this respect will certainly be punished in other aspects.

The psychological weakness of people who owe money 2 1, avoiding (lack of courage) confessing to their families.

Not having the courage to confess to your family means that one leg has entered the "point of no return". Most of the debts that you don't have the courage to confess to your family are dominated by human weaknesses, such as stock trading, online gambling, and advanced consumption. I am a stock trader.

This kind of debt is to dig a hole and bury yourself alone, and the family doesn't know it. Even they feel that there is no reason for their families to bear it. So I don't have the courage to confess.

The confused spiritual world will also wake up instantly, and I have had countless thoughts of confessing to my family. However, considering whether parents will be "crushed to death" when they know it, most of them are in the countryside and have never seen hundreds of thousands or millions in their lives.

Considering whether the wife will choose to divorce after knowing it; What about children after divorce? Can parents bear a broken family? How should relatives and friends evaluate themselves? There is no savings at home to help you pay your debts! Faced with these unanswered rhetorical questions, the debtor chose to back down and didn't have the courage to confess to his family.

Why don't you confess to your family when the debtor's income can't beat the installment repayment, when it is about to be overdue and when the hole is getting bigger and bigger! None of them have the courage to confess to their families. Now I know that debtors don't have the courage to confess to their families, but they just escape the separation and breakdown of their families after confessing.

Frankly, you just stepped into the "rebirth door" with one leg!

2. Raise loans with loans and seek quick money.

As a debtor, after escaping from confessing to his family, he basically fell into the swamp of supporting loans with loans, and it will only get deeper and deeper, and it will be difficult to land!

Raising loans with loans will make you seriously unbalanced and lose patience. You just want to pay back the money quickly, so as to repay all kinds of cannibalistic loans, so as to let go of your guilt about your wife and children, and how much you look forward to living a normal life.

With this kind of mood, stock trading and online gambling will increase the stakes, be forced to fall in love with high risks and high returns, and be doomed to die even worse.

I have personally experienced what is lack of money! If from this year, I only buy the stocks of the two companies I have worked for, and hold positions for three or four months in two big cycles every year, both of which will double the income. Now I have not only paid off my debts, but also made a lot of money.

However, the serious anxiety and imbalance in their hearts make them have no time to wait, and they are constantly "sending money boys" who swap positions.

Raising loans with loans will definitely create a huge hole that I can't believe. I haven't calculated it carefully before After I confessed, I carefully studied the credit report.

Starting from 20 15, 70 loans in 7 years, with an average interest of 5,000 per loan, that is, 350,000' interest, the down payment for a house in third-and fourth-tier cities! Compound interest is the eighth wonder in the world, and it really doesn't come to a good end to stop raising loans with loans at once.

3, call the sky should not, call the ground ineffective, helpless.

I used to fantasize about the existence of God. Facing the worsening debt situation, I kept trying new stock models. Last year 10, I left my job without telling my family. I found a full-time stock trading apartment in the "Seventh Ring Road" in Beijing, and prayed to the mountain gods every day before the opening (the ravine in Beijing is surrounded by mountains on three sides).

Dress appropriately every day, concentrate on nothing, but it was "fatal October" In that month, I lost more than 50,000 yuan, and with the social security I paid myself, my salary was gone, which was around100,000. In addition, I left in September, and without the year-end bonus,150,000 became a merciless debt!

When I was at work, I was mixed into the middle level, and I could finish my work in two days on business trips on weekdays. I can apply for three or four days and recall going to Xi, Hangzhou, Shenzhen, Guangzhou and Erdos ... My mind is full of stocks, and I am really possessed in retrospect!

On weekdays in Beijing, in the company, only at night and at noon when others eat, when dealing with work and going to work, I think about stocks, and my heart is always ups and downs! What a waste of youth!

No matter how hard I try, no matter how hard I try, it is a fiasco. I just need to have sex with God, which is obviously torturing me! I don't know how many times I feel helpless when I don't want to call heaven and earth!

Let go of your obsession and find yourself! Looking back now, I don't know if God exists, but I violated the objective law. Even if God exists, it is impossible to "illegally" open my eyes!

4, depression to life and death.

In the face of more and more debts, the annual income is not as good as interest, or it can't beat the installment repayment; Facing the end of being harvested.

Facing the shame of not being responsible for his wife and children; In the face of parents getting older, minor physical problems come to you, and you have to bear medical expenses.

Facing the contrast of colleagues and classmates buying houses and settling down, they fall into self-blame for playing a good hand; In the face of the restless world and the four major outbreaks of China, I am also deeply worried that although I am willing to work hard, I can't guarantee a stable income.

Born without looking back, there is no regret medicine in the world, I feel dejected and fantasize about going back in time ... There are too many emotional villains with psychological entanglements! Constantly, the heart is more chaotic!

These hundreds of emotions are enough to make us anxious, depressed and nervous. How many times have we thought of "death" When I get home, I can only get drunk by myself and try my best to heal myself.

Self-healing and self-suppression go back and forth, and the person who tortures me is neither a person nor a ghost! There is no moment of peace!

I have to confess, because my wife doesn't know that I still have undeclared debts, and I have to be prepared to buy a house. I'm glad to cut the meat and clear the warehouse on April 6, avoiding the plunge at the end of April. I don't know what will happen if I play it now!

Looking at the problem in another way of thinking, the result may be 180 degrees. 4.6 After withdrawing from the stock market, I always felt that the financing was bought at the bottom, and the securities were sold at the top, and I was unwilling to cut it when the losses were the worst. Similarly, friends who are overdue now, although violent collection has had a serious impact on their families, from another perspective, you are being forced ashore!

We may have been ruined by stock trading, online gambling, advanced consumption, etc. But we must reflect on the past, sum up ourselves, live seriously, and recover those years that were taken away easily by absurdity! The advantages of human nature shine brilliantly in the second half of life!