Debt is high, debt is high, how to redeem yourself? (1) is responsible for

This series of articles is dedicated to those who are deeply involved in the debt crisis, but at the same time they are fighting tenaciously and not bowing to their fate. I sincerely wish them an early "liberation".

Whether you are heavily in debt or heavily in debt, the first step to solve it is to take responsibility after all. In my opinion, the word "debt" is next to the single one on the left and the word "responsibility" is on the right. Therefore, another meaning of debt should be: debt is people's responsibility, and debt is actually responsibility. This is an inevitable reality and will never change. If you don't take responsibility, then the law will take responsibility for you, and God will force you to take responsibility, and the price you have to pay is whether you can bear it or not. This is the law of nature.

I don't know, have you ever had such an experience: one day, you exhausted your last strength for life, you curled up in a corner, lit a cigarette in the dark, and then you heard a weak voice in your heart asking: Why am I so tired? What should I do?

I do. To this day, when I recall that past, I will be filled with emotion. When writing this article, my eyes filled with tears.

In 20 17, I was in debt of nearly 6 million, which is a huge number in most people's eyes. So am I. It is impossible for me to owe so much money at once with my personality, but time has made it happen. Originally, I might just be in debt of less than 3 million. I've been robbing Peter to pay Paul for almost a year, and I've slowly rolled to this astronomical figure. Everyone owes money for different reasons, but they often start with a beautiful fantasy. My reasons will be discussed later. In short, my company went bankrupt at that time, and some of my investments failed and some of them were cheated. Of the 6 million, 4 million are my relatives and friends' money, and I lost them all. Later, I couldn't even pay the interest, but I never told you the truth, including my family. Weaving all kinds of reasons, dragging. However, even the best reasons have been exhausted. Under pressure, I gave you the deadline, that is, the funds will be in place by the end of 20 17. Before I was in debt, I was a responsible person in front of all my friends and relatives, so except for a few people, most people chose to believe me, even though they had doubts, complaints and complaints. At that time, I was the only person in the world who knew that 6 million no longer existed.

In the face of this situation, I have been trying to solve it, hoping to find a chance to turn around in one fell swoop, but I have never thought about not paying back the money (or being irresponsible). I didn't tell you the truth because I knew that once I told you that I was bankrupt, the world would be in chaos. To be practical and realistic, I am afraid, afraid to face that situation, afraid that my parents are too proud to be a man because of me, and afraid that my wife and children will be blamed for life because of me, so I chose to wait and change. One more thing, I firmly believe that I can pay off my debts as long as I have enough time. I don't know where this belief comes from. Maybe it's innate, maybe it's the only choice I can't face the price. But one thing is certain, it is this firm belief and responsible attitude that keeps me going and provides me with spiritual motivation to try to solve problems constantly. So, at that time, I was faced with tremendous pressure, and countless phone calls, WeChat, inquiries, complaints and forced debts made me unable to really reflect on the causes of debt and how to solve it. I explain, explain and explain again instinctively and mechanically every day. Only in the dead of night, when I think of so many debts and have no thoughts, I feel painful, creepy and sleepless at night. Fortunately, my family has always supported me and given me the warmth and encouragement I need most. My parents contracted the housework, cooking and picking up the children. My wife has to take care of her training room, and she has to go to school to take part-time classes to make money to supplement her family. I was "free" and suffered greatly from it.

This cycle was broken in early April of that year. I don't know if it was lucky or unfortunate. My wife found out that she was pregnant. Incredibly, my wife and I waited until the fetus was 24 weeks old. After going to the hospital for examination, the doctor said that the fetus had formed, which undoubtedly added another "uneasy" factor to my already chaotic life. Of course, my parents were overjoyed. Even though years of hard work have made their temples gray and hunched over (I already had two children at that time), my mother even said superstitious: this is a "boy who gives money" and the funds will definitely come back at the end of the year. I was silent because I knew that the money would never come back. My wife said that she would abort the child because she knew the current family situation too well. I haven't given money to my family for more than a year, and almost all the expenses at home fall on my wife. If I don't abort, it means that my family has no source of income for at least half a year. But the doctor said that the number of weeks was too large and the fetus was alive. At this time, abortion will not only kill a life, but also cause great harm to the health of pregnant women.

My parents always told me that the difficulties were temporary and I would take good care of my daughter-in-law and children. For the sake of future generations, I know that my parents are willing to pay any price, and my father is even ready to return to the rivers and lakes to make money. My wife will calmly analyze the current situation with me. She said the child came at a bad time. Once born, this family may really face the crisis of food shortage. She even sacrificed her health to tide over the difficulties (my wife is convinced that the money will come back at the end of the year and she will believe everything I say).

I know they are all waiting for me to make a decision, but I know it's my responsibility. Whether as the son of my parents, the husband of my wife, or the father of my future baby, I have a sacred obligation and responsibility, that is, to solve problems, not to embarrass them. I told them gently: I want this child, I want the health of my wife and the well-being of my parents. I will solve this problem. I have a solution. I will give you a satisfactory plan. Don't worry.

I wrote this story, which is equivalent to reopening the wound for everyone to see. I don't want to tell everyone how difficult I was to be like "Sister Xianglin" at that time, but I want to tell everyone that only by being responsible can I have endless motivation to think and think again. I always believe that today's status quo was caused by yesterday's "personally" and there must be a way to solve it.

I know people will say that the problem I faced at that time was basically a problem of money. As long as I solve the problem of living expenses at home for half a year, the immediate problem will be solved. There may be people who want to say that it is useless to think so much, or it is more practical to actually make money. It all makes sense, but it doesn't suit me. I sincerely want to tell the debtor who is reading this article that no one knows your actual situation, and any solution to the problem is invalid if it is not combined with your current actual situation. So, you have to find a way to solve your problem yourself. You can ask others for advice on your solution, but don't copy it directly, because they are not you.

At that time, I was in debt crisis, and most people were waiting to see what I could do, so I couldn't borrow money from my relatives and friends. If I can't borrow it, it will make them think that I don't even have the living expenses at home, and I am bankrupt, which will make the already fragile trust worse. If I choose to work to make money, it will further increase the psychological burden of my parents and wife, because in their view, I have no way out and no one can help me anymore. At the same time, it will also make some people who are already waiting for the opportunity to speed up debt collection.

So, I went to borrow money from an old man who has been cooperating with our company for a long time. How much did I borrow? 200 thousand, one point interest, one year term, interest once every quarter. I am telling the truth. Although many people won't believe me, the fact is the fact. I helped the elderly, and my career was ok at that time. Once he was in urgent need of cash flow, and I overheard it. I think he is a trustworthy person, so I called him and helped him. Later, he returned the money to me, but I never told anyone about it. Only he and I know about it. Of course, my personality will make some good friends, and the price I pay is that I don't have more than 300 thousand loan funds.

Many people must be surprised. How to calculate the living expenses for six months should not be 200 thousand. Why did you borrow so much? In fact, I had already analyzed my current situation at that time, and the solution was to find ways to make money as soon as possible, otherwise the debt would inevitably break out by the end of the year. And if I try to make money in my city, but I can't hide from everyone's eyes, it will deepen the suspicion of those relatives and friends. Most importantly, the way I thought of making money at that time was the lowest way to make money, and it must be busy and hard. Even if I pretend again, I can't escape everyone's eyes, especially my parents and wife. A person's spirit is very important, and those relatives and friends still believe me. Besides my usual lifestyle, it is more important that every time they see me, I am full of energy and full of confidence in the future. This state can dispel some people's worries to a certain extent, so I want to leave this city and go to a new place to make money, so that I can throw away my life carefree. I need a reason to leave this city, be reasonable, have a certain deterrent, and solve my (family's) worries at the same time.

After 200,000 yuan arrived, I went home and gave my parents 60,000 yuan as living expenses for the next eight months, my wife100,000 yuan and her 20,000 yuan as private money, which made her feel more secure. This arrangement can minimize my worries and reduce the burden on my parents. My wife can also get better care in the month center, and at the same time, some onlookers will think that I am still very capable. Of course, my parents and wife will inevitably ask me where the money came from. I made up another lie (I don't know when lying became one of my skills), saying that an old leader had a factory in Yiwu and needed management personnel. Just when I have time, please ask me for help, 30 thousand a month, including food and shelter. I advised them that the funds would not come out until the end of the year, and they would be idle if they were idle. Why not go over there and help make some money? I paid my salary in advance for half a year, so they all have the money. Although my parents, wife and children are unwilling to let me go, I can only agree. I lied to them that I was going to be a manager, so I didn't have to do heavy work and came and went freely. When the funds came back at the end of the year, I quit, only eight or nine months, and promised my wife that I would come back to take care of her when she gave birth.

Then I deliberately waited for two days, because the news needed time to spread. Two days later, I called every debtor and humbly told them my recent situation (in fact, they all knew about it through my parents, wife and others). They needed to go to other places to help their leaders, so I couldn't answer everyone's calls in time, but I agreed with them that I would contact them on my own initiative every month. Almost everyone has a sympathetic understanding of me (they didn't expect someone behind me), and some good brothers even asked me to leave their phone numbers with my wife in case of emergency. I am deeply grateful. I must say here that some of my friends are long-time friends. The reason why I didn't ask them for help is because their ability is limited. Knowing my present situation will only add trouble to them, which is not good for the facts.

In this way, I was busy for a week. On April 20 17 17, I set out for Yiwu. Why I choose Yiwu is actually very simple, because a friend of mine is in Yiwu. If I have an emergency, I can still ask someone for help, but I won't go to him unless there is an emergency. Before I left, I set myself a goal, which is to earn 700,000 yuan in eight months. In the end, I did it, but the process was full of twists and turns and hardships. Want to know how I did it, please see my next article, debt is high, debt is high, how to redeem myself? (2) Reflection "

I know that when I see this, many people will question it and think that I am making up a story, and it is true. There may be some unsatisfactory places in the process of expression. In fact, everyone has their own past or past events. I hope you can not only see what I wrote, but also think about it. What should I do if I encounter problems? Some people may say, are you also responsible? In fact, everyone's answer is different. In my opinion, the biggest responsibility is that the debt can be paid off eventually. As for the "derailment" in the process, as long as your starting point is to pay off debts and be responsible, there is no intrigue. I also know that many people will ask you how you came up with so many countermeasures, which is inevitable and accidental, but it is because of my responsible attitude that I can face the problem directly. It is because I face the problem directly that I can keep thinking about the solution to the problem. When I find a solution, I will practice it. Many people will say, what if it fails? My answer is, if I fail, I will find another way and continue practicing until I succeed, or God will take the initiative to take me away.

In fact, I had practiced many times before I ran away from home, but I failed every time. Paying off debts requires two conditions, one is time and the other is idea. Time and thoughts depend on the "responsible" psychological factors in your heart. If you don't have time, try to make time. If you don't have an idea, try to find one. That's all.

Of course, I don't want to argue with you because everyone's situation is different. If you only see that my experience is different from yours, you can conclude that you can't get out of trouble. Actually, that's your business. The same people and things can't exist. The most important thing is, after reading this article, will you think, in the face of debt, do you choose to escape or take responsibility?

Did you escape?

I don't think it can escape.