I'm born in 1981s, and I'm also a loser. Up to now, I owe more than 31 million yuan, including 18 million yuan in bank loans and more than 12 million yuan in private loans. Because I caught up with golden decade's tail when I started my business, I naively thought that this was my lifelong career. Because of the high profit rate at that time, the profit per ton was above 311, and there were hundreds of thousands or even millions of inputs every month. The snowball is getting bigger and bigger. By 2118, I had an independent freight yard and the company had more than 51 employees.

However, since the closing day of the 2118 Olympic Games (accurate to the day), the coal market has been crying, and it began to decline in 2119. 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, it is like a concubine to be selected, naked in front of the buyer. The profit per ton has dropped from a few hundred to dozens, and even lost money in the end. Because the price is transparent, the seller has nothing to hide. Every single business is likely to lose money if it is done, and it is a loss if it is not specified. Because I still have dozens of people to eat and pay. The monthly expenses are also a big expense. Slowly, the enterprise will not move.

maybe you will say why not change careers and do something else. In fact, I have also thought about this issue. Interlacing is like a mountain. After a long time in this industry, I will have a feeling of infatuation, and I always think that the market will definitely reverse. Thirty years in Hedong and thirty years in Hexi. It will get better one day. In desperation, I mortgaged my freight yard, forklift and the shops I made money to buy a few years ago, ready to make a last-ditch effort. At the end of spring and the beginning of 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 will be higher in winter than in summer). By late autumn, the freight yard had stockpiled nearly 31 thousand tons of goods. Just as I was about to close the net, the state issued regulations on environmental protection, 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 the goods in his hand, he went to other places to rent a freight yard, made loans for all his cars and houses, and borrowed money from relatives and friends. After several tossing, I finally moved to a new home. Although the environment has changed, the nightmare has not ended. Because the best opportunity has been missed, if we make moves 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 that I was a little insane at that time. The pressure was too great. To put it bluntly, it was a desperate struggle at that time.

But fate played a joke on me. The price of coal collapsed. By the next year, the market had completely lost its vitality. According to the best budget at that time, it was also half lost. And I can't borrow any more money to support it. In desperation, we can only ship. In this way, I became a veritable negative Hao. All the way down, my external debt reached 31 million.

after I went bankrupt, I was in a daze every day, and I didn't have any spirit. Debt weighs heavily and there is no hope. Shut yourself in the house every day, and no one wants to see or talk to you. After living like this for more than a month, I finally fell ill. I can't breathe because of the great mental pressure. Every time I get a phone call from a bank or a friend, I'm afraid. This kind of fear is not afraid of being beaten, nor of being blacked out by banks. At this point, in fact, everything is acceptable, but my conscience can't accept it. Looking at a family, sometimes it's really painful.

The more people have experienced, the more optimistic they will be. In fact, sometimes I think about it, maybe it's because I started my own business so smoothly that I didn't have a way to deal with the crisis later, plus I was young, adventurous and unyielding. Push yourself to the wall step by step. It is not a good thing for teenagers to succeed. If they can see the facts clearly at that time, they can retreat in the unpredictable market environment and save their effective strength. Now this story may be a different version.

Later, my father lent me 311,111 yuan through an old friend, because I was really bored at home. Even if you don't make a lot of money, 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.

until today, I have three taxis in my hand, and I have rented out two taxis. There is also a monthly income of about 15 thousand. Previous debts are gradually being paid off. My creditors also understand me very well. 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 can afford so much debt, I only have one goal now, to support my family. Debt must be paid back. If you take the debt to heart every day, you can't make it by yourself. Only put your mind at peace 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 life is there, everything is there.

I am such a boss. I am a 35-year-old female, and I was in debt at the end of 2118. Let me talk about two aspects: body and mind.

In my heart, I was particularly nervous before I collapsed. I was afraid that I would not pay back the money every day. After I collapsed, I began to think about how I could die unexpectedly. Later, I gradually got over it, worked hard to make money, and used the extra money to solve the debt. Pretend to be like a normal person, continue to live and make money ...

The indebted bosses who have failed to start a business have all seen it, so what should they do? See if it helps and inspires you.

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

second, paying off the debt, all kinds of debt destruction, needs you to face and ask you to pay off the debt. Either the capital is not enough to ask you to repay the interest first, or ask you to repay the principal without paying the interest, and so on. However, at this time, you simply can't make money, you can't borrow money, and even your life is hard to guarantee. Where can you get the money to pay off 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 your debts, and then leave some to accumulate slowly, waiting for a chance to make a comeback.

Then I would like to ask, if the debtor is over 41 years old and the debt is over 2 million, how can he work to pay off his debts? How to find an opportunity to make a comeback? Even if he works part-time and works hard, his monthly income will be 211 million, and if he doesn't eat or drink for a year, he will get 241 thousand, and if he owes 2 million, he will pay it off in 2111.

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

the third aspect is the psychological problem of making a comeback. When many people are in debt, their mentality is the worst, and their psychology is the most chaotic. When relatives and friends divorce and are destroyed by debts everywhere, they will have two kinds of mentality. First, I can't take it easy, and I want to take a life and get rid of it. Second, aggressive psychology, unwilling heart, anxious to make a comeback.

These people who think of suicide are the stupidest. You are not even afraid of death. You can't even bear this pressure? As long as people are alive and well, everything is possible. What are you afraid of, who will threaten you? The worst enemy is your own heart.

People who are in a hurry to make a comeback are even more unrealistic. They are 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 quickly turn over and make a comeback without capital?

at this stage, they are probably in this situation: they wander around outside every day, looking for projects everywhere, and they can't stay at home. It is said that they are looking for a project. In fact, their psychology is empty and messy. They have no money, and it is impossible to find the possibility of a good project to make a comeback. They are just fooling themselves and others, leaving a little comfort and excuse for themselves at last.

With so many debts, there is no source of income, and the debts are always destroyed. Finally, in order to eat, I have to work to live. However, such people can't work. Because, working for a little bit of money, I always think about the huge sums owed, so when will I be able to 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 should not be confused. I was in debt twice myself. The first time I was 25 years old, I was in debt of 511,111 yuan. In the third year, I turned over and paid off my debts, and I earned 5 million yuan in the fourth and fifth years. The second time, at the age of 37, I failed because I started an investment company to lend money. I 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 twice.

I said to myself, it's only three good things, and it's impossible to get into debt for the third time in my life. Because I have spent too much money on lessons and experiences. Therefore, 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 have at ordinary times, when you are heavily in debt, you will stay away from you if you have no affection or sympathy to talk about. Not to mention bank loans, online loans and credit cards. Everyone, only the debtor, has no understanding.

when you are so heavily in debt that you can't even eat, you have to find a way to pay back a little credit card, so you can go in a little bit, because credit cards are the most powerful, and suing you for malicious use can sentence you and make you live in prison. Others, have clearly told them the situation you are facing once, so you don't have to pay attention to it, whether you sue or sell all your property, they can do whatever they like, because in your current situation, you can't get money even if you shoot it. What do you care about and worry about? It's not even on now.

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

it's impossible for you to even think about those suggestions of paying off debts by working. You can have less debt, but how can you have more debt? So what should I do?

At this time, it is impossible for you to borrow a penny. If you can't put your mind at rest, you are in a hurry to make a comeback. It is simply a dream. Working to earn money is your only way out. Choose an industry, and if you feel confident about the development prospect of this industry, try your best to squeeze in and work. It is a part-time job with a purpose.

first, it can solve the living expenses of you and your family. Second, if you have extra money to pay back a little credit card, you should ignore other banks, online loans and private debts first, and it is useless for you to pay back a little. Third, study the industry attentively, collect resources, gather people and accumulate small funds. Wait for the moment when the waiter exerts his strength.

why do you want to be in 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, in the same period of time, is twice as high as that of the average person. Take time to study in the evening, work during the day, and work overtime. It is necessary to increase revenue and reduce expenditure.

let me make an analogy, for example, let's take my waste recycling industry as an example. You should constantly learn from the media online what methods experts in various industries have to recycle and how to sell them. These studies can only be learned at night, because you have to work during the day.

develop customers during the day, receive goods at the same time, and then sell them. When selling goods, make more friends with peers and make more friends. Ask more about the location of various kinds of waste recycling in the upstream from friends in the same industry, and compare the recycling prices. Collect this kind of information every day, broaden the scope of understanding, find out and grasp it.

For receiving goods, the profits collected by others should be controlled at 31%. You should separate the categories with large market volume and small volume. No matter whether the market is going up or down, you should always control the profit margin of the large amount of waste products in the market at 15% and the small amount at 21%. Don't be jealous of how much others earn, and stick to your own practice.

when developing customer recycling, we should make a breakthrough mainly in a regional scope, do not rush in and collect indiscriminately, develop in a planned way and have a long-term vision and pattern. For example, a large amount of waste paper boxes earn a gross profit of 311 yuan per ton, including labor and vehicle transportation fees, as well as 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 for the time being. 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 any money at all. Then they will give up the markets in this area one by one. In this way, customers will sell it to you day by day, waiting for you to collect it.

you have earned all these customer resources and interpersonal relationships in three years. Originally, you are heavily 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, and focus on the management and service of popularity. If you want to do it, be the first in this area, not the second.

quantity comes first, customer quantity comes first, service comes first, word of mouth comes first, trust comes first, but profit comes first. After three years, the market in this area will be yours, and 71% of all waste products will be yours. The market price has gone up and down. After three years, your profit point will be adjusted, and your gains will not be like that.

after three years, there is still a lot of money you have earned 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, when you turn over and make a comeback, you have the money to pay off all your 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 credit information, face, and threats from creditors. Take care of yourself first.