How do those bosses who fail to start a business and are heavily in debt live?

I'm born in 1980s, and I'm also rich. Up to now, the foreign debt is more than 30 million, with bank loans180 thousand and private loans120 thousand. Because I caught up with the golden decade when I started my business, I naively thought that this was my lifelong career. Because the profit rate was high at that time, the profit per ton was above 300, and hundreds of thousands or even millions of dollars were invested every month. Snowballs are getting bigger and bigger. By 2008, I had an independent freight yard and the company had more than 50 employees.

But since the closing of the 2008 Olympic Games (accurate to the day), the coal market has been crying and began to decline in 2009. In order to reverse the situation, I began to take the initiative to go to major power plants and other coal-using enterprises to promote my products. In fact, once transferred to the buyer's market, as a seller, like a concubine to be selected, naked in front of the buyer. The profit per ton dropped from a few hundred to dozens, and finally even lost money. Because the price is transparent, the seller has nothing to hide. Every single business may lose money if it is done, or lose money if it is not specified. Because I still have dozens of people to eat and pay. The monthly expenses are also a lot of expenses. Slowly, the enterprise will not move.

Maybe you will say why not change careers and do something else. Actually, I've thought about it. Interlaced like a mountain. Stay in this industry for a long time, there will be a feeling of infatuation, always feel that the market will definitely reverse. Thirty years in Hedong, thirty years in Hexi. It will get better one day. In desperation, I mortgaged my freight yard, forklift and the shop I made money to buy a few years ago, ready to make a final effort. In late spring and early summer, we began to put all our money into the coal market and hoard goods on a large scale (because coal is seasonal, the price in winter will be higher than that in summer). By late autumn, the freight yard had accumulated nearly 30,000 tons of goods. Just when I was about to close the net, the state issued environmental protection regulations, which basically became the last straw to crush me. Trucks are not allowed to enter the city and the freight yard is not allowed to be polluted. In order to sell his goods, he rented a freight yard in other places, borrowed all his cars and houses, and borrowed money from relatives and friends. After several twists and turns, I finally moved to a new home. Although the environment has changed, the nightmare is not over. Because we have missed the best opportunity, if we do it again at this time, we will not only make money, but also lose money. In desperation, I can only die with the market, and the next year is basically spent in anxiety. I often dream when I sleep, and I am either happy or sad in my dreams. Now I feel a little insane at that time. There's too much pressure. To put it bluntly, it was a life-and-death struggle.

But fate played a joke on me. Coal prices plummeted. By the second year, the market had completely lost its vitality. According to the best budget at that time, it also lost half. And I can't borrow more money to support it. In desperation, we can only ship. In this way, I became a veritable negative Hao. Along the way, my foreign debt reached 30 million.

After bankruptcy, I was in a daze every day, and the whole person had no spirit. Debt is heavy and there is no hope. Shut yourself in the house every day, no one wants to see you and no one wants to talk to you. So after more than a month, I finally got sick. The mental stress is too great to breathe. Every time I get a phone call from a bank or a friend, I'm scared. This fear is not afraid of being beaten, nor of being hacked by banks. At this point, everything is actually acceptable, but my conscience can't accept it. Looking at a family, sometimes it is really painful.

The more people experience, the more optimistic they will be. In fact, sometimes I think about it, maybe it's because I started my own business too smoothly, and I can't handle the subsequent crisis, plus I am young, adventurous and unyielding. Push yourself to the wall step by step. The success of teenagers is not a good thing. If they could see the facts clearly at that time, they could retreat from difficulties in the unpredictable market environment and save their effective strength. Now this story may be a different version.

Later, my father lent me 300,000 yuan through an old friend, because the family was really boring. Even if you don't earn much, you have to support your family and eat. I bought a taxi myself, and I earn about 7-8 thousand yuan a month. Slowly, life becomes dull.

To this day, I have three taxis in my own hands, and I drive one and rent out two. There is also a monthly income of about 15 thousand. The previous debts are being paid off gradually. My creditors understand me, too. I believe that as long as I work hard, I will regain my confidence and make achievements one day.

As for how you can say that taxis have to pay so much debt, I only have one goal now, to support my family. The debt must be paid. If you keep your debts in mind every day, you can't earn it. Only calm down and be patient. No matter what the future holds, life comes first.

So life goes on and hope is always there. Never be depressed, as long as you live in, everything is there.

I am such a boss. I am 35 years old, female. At the end of 20 18, I was in debt100000. Let me talk about two aspects: body and mind.

In my heart, I was particularly nervous before I collapsed. I'm afraid I can't pay back the money every day. After the collapse, I began to want to die, thinking about how I might die unexpectedly. Later, I gradually figured it out, worked hard to make money, and used the extra money to solve the debt. There is no other way, I am calm. I pretend to live like a normal person and make money. ...

The indebted bosses who failed to start a business have all seen it and see what it should be like. See if it helps and inspires you.

On the one hand, we are faced with the problem of living expenses. Generally, people who fail to start businesses and are heavily in debt have no source of income. However, family life is still an expense, a hard expense and the first one that must be faced.

On the second hand, paying off debts, all kinds of debt destruction, needs you to face and ask you to pay off debts. Either the capital is not enough to require you to pay interest first, or you are required to pay the principal first without paying interest, and so on. However, at this time, you can't make money at all, you can't borrow money, and even your life is hard to guarantee. Where did you get the money to pay the bill?

When answering this question, many people teach you to work first, do more part-time jobs, earn more money, then plan how to pay off debts, and then leave some opportunities to accumulate slowly and wait for a comeback.

Then I would like to ask, if the debtor is over 40 years old and has debts of more than 2 million, how can he work to pay off his debts? How to find a chance to make a comeback? Even if he works part-time and works hard, he will earn 200 million yuan a month, 240 thousand yuan a year if he doesn't eat or drink, and he will pay off 2 million yuan in debt every year.

What can a debtor of this age do? How much ability, energy and time do you have to do part-time jobs? What else do you do? Work repayment plan. Many debtors, in this case, may not even be able to eat. How do they accumulate capital while paying their debts? If the money earned by working is really paid off, even the interest is not enough. How do we eat? What funds have you accumulated?

The third aspect is the psychological problem of making a comeback. Many people have the worst mentality and the most chaotic psychology when they are in debt. Relatives and friends are divorced and destroyed by debts everywhere. There are two kinds of mentality. First, I can't let go, I want to take my life and get rid of it. Second, aggressive psychology, unwilling, eager to make a comeback.

These people who think of suicide are the most stupid. You're not even afraid of death. You can't even bear this pressure? As long as people live well, anything is possible. What are you afraid of? Who will threaten you? The biggest enemy is your own heart.

People who are eager to make a comeback are even more unrealistic. It's all psychological problems. They can't accept the fact that they have failed, and they are always worried about face and credit reporting. You know, you can't even eat at this time. Are there any relatives and friends who can lend you money at this time? Can you make a comeback quickly without capital?

This is probably the case at this stage: they wander around outside every day, looking for projects everywhere, and can't stay at home. It is said that they are looking for projects. In fact, their psychology is empty and messy. They have no money, and it is impossible for them to find a good project to make a comeback. They are just deceiving themselves, and finally leave some comfort and excuses for themselves.

Debt is high, there is no source of income, debt is high. In the end, in order to eat, I can only go to work to live. However, such people are no good. Because, in order to work for a little money, I always think about the huge sum I owe, so when can I turn over and be a man? After working for a while, I got confused and gave up.

First, the mentality is very important, and the thinking can't be chaotic. I was in debt twice myself. The first time I was 25 years old, I was in debt of 500,000. In the third year, he turned over to pay off his debts, and earned 5 million in the fourth and fifth years. The second time, at the age of 37, I failed to open an investment company to lend money. He was robbed of more than 5 million yuan and was still in debt of 2.4 million yuan. I turned over in the third year. I can do it again.

I said to myself, there are only three good things, and there can be no third debt in this life. Because I spent too much money on lessons and experiences. So whenever I see this debt-ridden question and answer, I still fully understand their feelings and feelings.

No matter how many close relatives and friends you usually have, when you are in debt, you will stay away from you without affection and sympathy to talk about. Not to mention bank loans, online loans and credit cards. Everyone, only the debtor, didn't understand.

When you are so heavily in debt that you can't even eat, you have to find a way to pay back some credit cards, and you will still get in little by little, because credit cards are the most powerful. Accusing you of malicious use can sentence you to death and let you live in prison. Others, you have clearly told them the situation you are facing once, so you don't have to pay attention to it. No matter whether you sue or sell all your property, they can do whatever they want, because in your current situation, even if you make moves, you won't get the money. What do you care about? What are you worried about? It's not even open now.

At this time, you have to set a good attitude, that is, the credit card has not been returned at all, and there is nothing you can do for the time being. The creditors are so ruined that you can't even do your normal job. You just use your family's ID card, change your number, and then go to a new place, start from scratch, don't care so much, just focus on how to do things and how to make money. If you think too much about other things, you have to worry about yourself, which will affect your thinking and work efficiency. Remember, anything is possible as long as you are alive and healthy.

Don't even think about the suggestion of working to pay off debts. It's impossible. You can be less in debt, but how can you be more in debt? Then what should I do?

At this time, you can't borrow a penny. If you can't let go, you are in a hurry to make a comeback. This is just a dream. Working to earn money is your only way out. Choose an industry. If you feel confident about the development prospect of this industry, try to squeeze into it. It's a purposeful part-time job.

First, it can solve the living expenses of you and your family. Second, if you have extra money to pay off your credit card, forget about other banks, online loans and private debt. You are useless. Third, study the industry attentively, collect resources, gather people and accumulate small funds. Waiting for the moment when the waiter exerts his strength.

Why do you want to go to Shenzhen for three years? Because there are so many things you need to do in these three years, your working hours will be more than twice that of ordinary people. The effectiveness and efficiency of your work are twice that of the average person in the same time. Take time to study at night, work during the day and work overtime. It is necessary to increase revenue and reduce expenditure.

Let me make an analogy. Take my waste recycling industry as an example. You should constantly learn from the media online what recycling methods experts in various industries have and how to sell them. These studies can only be studied at night, because I have to work during the day.

Develop customers during the day, receive goods at the same time, and then sell. When selling goods, make more friends with peers and make more friends. Ask friends in the same industry about the location of various waste recycling in the upper reaches and compare the recycling prices. Collect this kind of information every day, broaden the scope of understanding, discover and master it.

When receiving goods, the profits collected by others should be controlled at 30%. You should separate the categories with large market volume from those with small volume. No matter whether the market goes up or down, you should always control the profit rate at 15% for the large amount of waste products in the market and 20% for the small ones. Don't be jealous of how much money others earn, stick to your own practice.

When developing customer recycling, we should focus on a regional breakthrough, do not rush in and collect indiscriminately, have planned development, and have a long-term vision and pattern. For example, a large number of waste paper boxes earn gross profit per ton in 300 yuan, including labor and vehicle transportation fees, and there are meager profits. Only you are willing to do what others are unwilling to do.

Even if people are willing to do it, they will only compete with you temporarily. They can't last a year, two years or three years, because too many people want to make quick money and big money. If they can't persist, they feel that it is meaningless to do so and they can't make money at all. Then they will give up the market in this area one by one. In this way, customers will sell it to you day by day, waiting for you to collect it.

These customer resources, these interpersonal relationships, you earned in three years. You're already in debt. In these three years, you can support your living expenses and accumulate meager funds. In terms of money, don't take profits too seriously, but focus on popular management and service. If you want to do it, do it first, not second.

Quantity first, customer number first, service first, word of mouth first, trust first, but profit first is low. After three years, the market in this area will be yours, and 70% of all waste products will be yours. The market price goes up and down. After three years, your profit point will be adjusted, and your income will not be like that.

After three years, there is still a lot of money you earn that others can't see. Sometimes, the most profitable way and channel is to sell what you don't earn and earn money that others can't see. In the fourth year, you make a comeback and have the money to pay off all debts and take care of everything. You are a reborn uncle. In this society, there is no gift in the snow, only icing on the cake.

People who are heavily in debt don't care about any credit information, don't care about any face, and don't care about the threat of creditors. Just take care of your health, rest easy and have food. Find a correct industry, change a new environment, create new resources while working, and make a comeback after three years. If you think my statement is ok, you might as well try it. Anyway, you are a dead pig. You might as well let go.

Our boss was locked up for nine years and became an old lai. When he came out, he was in high spirits. He went to the Intermediate People's Court to apply for canceling Lao Lai's two-month trip to Fujian on the D train, and continued to inspect new projects in order to make a comeback. After the approval, the boss went out with a backpack on his back. An old man in his 60 s had barrels of noodles, bread and cakes every day, which made my young man feel ashamed.

To be honest, my uncle is a living example. About 10 years ago. He is an engineer and made some money. He is one of the few people in our village who own their own cars. Everyone calls him the boss. Maybe he drifted away and started playing cards. Suddenly he owed a lot of money. It is said that there is more than1000000, and he is looking for a loan everywhere, but he can't get it himself. He is very eloquent, so many people help him with loans. Later, he couldn't pay his debts. Our family also helped him borrow money. Every year, people from the bank come home to collect debts. I was still studying at that time. I only know that he didn't go home for the Spring Festival in four or five years, and he was hiding from debts outside. It's pathetic to think about it. Everyone else was reunited with his family, and he was alone. In recent years, he has worked hard to turn over and occasionally went back to his hometown, but he still doesn't have much debt. My mother said I don't know if it's true or not. My uncles have had a hard time these years. I'm sure they can't suppress the feng shui of the ancestral home. Our place is called Yanghuigou, which is a U-shaped ravine. The ancestral home is just in the C position, and later generations are either rich or all kinds of difficulties. Although my uncle owes a lot of money, I admire him very much. His masculinity is very contagious, and his temperament can be grasped at any time. Familiarity between lesbians is true. I wish my uncle all the best in the new year.

I know several bosses who are heavily in debt and penniless after bankruptcy. I can tell you about their living conditions.

The one with the best mentality is Lao Guo, a famous auto parts tycoon in the past, who is worth more than one billion yuan. He has been the president of the Auto Parts Chamber of Commerce for more than ten years. Anyone who sees it should respectfully call a big brother. In 20 16, all the companies under his name went bankrupt because of the broken capital chain, and all the houses, houses and cars were seized by creditors. His wife and children suffered an inexplicable car accident in Cambodia and both died.

Now Lao Guo is burdened with tens of millions of debts, and he is not worried about smiling at everyone. If you call him big brother, he will nod and smile at you. You see him, pretend not to see him, and he smiles and nods, whether you see him or not.

Lao Guo now lives on subsistence allowances, and the community introduced him to a job as a community security guard. He works very hard with a pot of tea and a radio every day.

The biggest contrast is Lao Jiang, who used to be an engineer. There were thousands of workers at the peak of the company, but from 20 15, he was addicted to gambling and was tricked into setting up a game in Myanmar. The result, of course, was bankruptcy, broke his leg and finally came back alive.

Later, Lao Jiang wanted to make a comeback with his previous contacts, but he was also lucky. When he took over the project for the first time, Party A went bankrupt and the property was unfinished. All the money borrowed by Lao Jiang is not enough. His house was raided by unpaid workers and even the floor was washed with water. The second time, I managed to scrape together some money and took on a small project. As a result, a worker fell off the scaffold and died. Compensation alone almost killed him.

Now, when Lao Jiang meets his former friends, he will start to borrow money to make a comeback, but no one dares to lend it to him again.

There is a man, much older than me, named Lao Chen. I have witnessed his adventures since I was a child.

For generations, he was an old farmer in the mountains with his back to the loess. In his generation, there were nine brothers and sisters, and his mother died early. He was too poor to eat in the pot rice era, but he was smart and spiritual, reading the most handsome books like the legendary white-flour scholar. After all, there is no way for peasant families to have good jobs. After graduating from technical secondary school, I returned to the countryside and entered the workstation in the countryside.

After getting married and having children, he came to the county town from the countryside to get married and have children. He raised pigs, sold pork, collected medicinal materials, opened a match factory, ran a vermicelli factory, bought a hosiery machine to send his family to Henan for training for a few days, and opened a small restaurant. . . . . .

There is nothing you can do!

It's hard to imagine how a person has experienced so many failures! Without guidance, I stumbled. It's like being trapped in a fog, unable to find a way out and direction.

Finally, when I was desperate, I went out to borrow 200 yuan from my relatives and went to work in the north alone. I bought the last bus ticket in the north, and I still have one yuan and fifty cents left.

Walking on the road, like many migrant workers, I was called by a boss in the north to build a house for my family and be a construction worker.

After the boss's house was built, he was educated and honest, so he introduced it to a friend who opened a private gas station to cheer people up.

One to two, the gas station owner saw that he was honest and willing to work, so he handed over the gas station to him for management, so he took over his wife and son to work in the gas station, and his daughter also took over the study.

Worked in a gas station for two years, not long. On the last day when the boss was transferred, the whole family knew that they were unemployed.

He is 43 years old.

I rented a house in the village the next day and settled down.

You can't make money if you don't work. There is a wife waiting for dinner at home and a daughter waiting for school. In order to save money, the family who used to eat rice and never liked steamed bread, steamed bread and vegetable oil were too expensive every day, so they bought pig suet and refined it themselves.

Mr. Chen went to the construction site as a coolie again.

As I said before, he is a white-faced scholar. Where can he be a construction worker? Only two or three days. My wife won't let him go after a hard day.

At this time, the old father of the gas station owner also arranged for them to work in the furniture factory in the village. Making furniture is also a technical job. If you don't have skills, go to a master to learn. Master Anhui is also more careful and doesn't teach at all. The couple have to wait for the master 16-year-old apprentice to cook some delicious pig's head meat after work. Please come respectfully and ask how to do it. I studied for a month. When a factory was looking for workers, Mr. Chen went.

The boss asked him what he would do. He said yes.

A skilled worker makes a set of furniture a day. It took him nine days to finish the work. In this way, I finally found a skilled job, and my wife and children went into battle to make furniture.

The owner of the furniture factory is about his age. He often teases: Mr. Chen, who graduated from technical secondary school, works for my primary school students.

After working in a furniture factory for several years, a fellow villager quit his own furniture factory and asked Mr. Chen if he wanted to take over. The family's desire to be a boss has revived. Let's get started!

In three years, the furniture factory closed down. All the money the whole family earned from part-time jobs went to Shui Piao.

What are we doing? Keep working!

Mr. Chen led a large family (at this time, the children are married and have children, and the team is getting bigger and bigger) to work again, and then went to the furniture factory.

In this way, I kept doing it until I couldn't do it anymore.

Just like the fate of thousands of China migrant workers in Qian Qian.

If you don't come back, you can't escape the shackles of fate.

He is not as inspiring as Chu Shijian.

It has been going on.

. . . . . .

This question is very good, there are two key words "numerous" and "boss". I am one of them. Tell me what I think.

First of all, everyone who has been a boss is definitely a person with his own opinions and thoughts. It's no use preaching, as everyone knows. I think it's important to have a mentality, let go of yourself, let go of your boss's identity, think hard, go to work and make money.

Second, remember one sentence: "People are poor." The scenery of that year, spending money like running water, has all been forgotten. Learn to face "loneliness", except for a few sincere friends, others have little contact.

Third, leave the original circle and leave the comfort zone.

Fourth, poor people should not talk about "honesty", let go of their identities and debts first. When things are done, you can make money and save money, and then make a comeback. Otherwise, it will only be a bigger pit.

I laughed at the above foolish ideas.

I am Shen Kun, the creator of high-quality finance. I'll tell you a true story. How did a debt-ridden boss do it after his business failed? After the Spring Festival in 2000, Liu Zhi, a 28-year-old Hunan native, came to Shenzhen with 3,000 yuan. He couldn't find a suitable job for more than a month. Accommodation in a small hotel and the high cost of daily living in Shenzhen cost him all 3,000 yuan. Finally, I found a small restaurant and found a place to live with a salary of 800 yuan. Because of his good management, the business of small restaurants is booming, and he is gradually promoted to restaurant supervisor by his boss.

Four years later, Liu Zhi had a great understanding of restaurant management, and also accumulated a little contacts and deposits. In addition, he has a more comprehensive understanding of the city of Shenzhen and feels that he should move in a higher direction. I quit my job and left this small restaurant. I opened a mala Tang restaurant in downtown with my friends, but I didn't want the business to be very hot. So he fired six chain stores in succession. Three years later, Liu Zhi owns 12 Mala Tang Daxie in Shenzhen, worth tens of millions! I travel all by BMW 7 Series, and often spend the night in high-end water bars at night, surrounded by beautiful women like clouds, just like a successful person. It was at this time that I met him.

In 2008, he made a financing guarantee for a business friend. Half a year later, this friend suddenly left and immigrated abroad without warning. Financial institutions found him with a letter of guarantee and asked him to repay the loan with interest of 40 million. He looks stupid, but he can't fight. In the end, I can only mortgage my own catering company. Almost overnight, he became a loser who owed more than 2 million to others. Houses, cars, companies and beautiful women have all become bubbles. ...

20 12 when I met him, he looked haggard and worked as a security guard in a community with a monthly salary of 3000 yuan, including food and shelter! Save 2000 yuan every month to pay off debts! According to him, it will take him 12 years to pay off all his debts, and at that time, he is over 50 years old! When we talked about business, he said with emotion that opportunities don't always exist. He didn't cherish his success and didn't understand the benefits of financial lending in business. He always thought that he had been cheated by his friends. He once thought about making a comeback, but times have changed. A person in debt, even if the opportunity is just around the corner and he has no money, everything is empty!

A few years later, when I went to that community again, I found that he had been dismissed for quarreling with a community owner. It is said that his salary was deducted for several months when he left. As for where he went, his former security colleagues didn't know, because he never used a mobile phone ... Feeling: not every loser will have the luck of making a comeback like Shi Yuzhu, especially in today's society.