I used to be in debt, starting with love.
I sell musical instruments and teach them. Later, because of love, I cleared the goods and transferred to the teaching department, and went to Chongqing to find my sweetheart. With millions in my hand, I began to do nothing and spend money lavishly. Only then did I know that money really could not be spent. When I found out, the money was almost used. When I first started to borrow money, I borrowed as much as one million unconsciously. My lover left me, too.
I have done my own business and taught students, and I feel that I can make money back soon. So, I borrowed a sum of money to start a business and started musical instrument training and teaching again. Teaching depends not only on advertising, but also on students' recognition of you and word-of-mouth communication to bring students to you. But it takes some time, and the pressure of loan simply doesn't have enough time. Tell me to do it again. The money has been spent again.
Everything happens for a reason. First, you should figure out how to repay the debt you owe to prevent it from happening again.
Then think about whether you have a skill and realize technology. Fortunately, I have one advantage, that is, I like learning things. I learned the technology of frying hot pot bottom material in Chongqing. I paid it back by selling hot pot bottom materials and spreading pancake fruit. Don't try to eat a fat man in one bite, but start from a little bit, no matter how small the chance is, it's a good start.
At that time, I got up at four o'clock every morning to grind mung beans and prepare all the stalls. Arriving at the booth at 5: 30 on time, customers have started sporadically. Work until 9: 30, pack up and go home around 11: 00, eat and sleep. Get up in the afternoon and fry the bottom of the hot pot. It takes two or three hours to fry a pot of ingredients, and it's almost dry. It will be packed in a box, molded in the refrigerator and sealed in bags one by one. I sold it in a circle of friends through friends, and later I had two or three agents.
Just do this for more than two years and pay off all the loans.
I'll write more details in a couple of days and send them to my account.
For credit card users, directly dial the number starting with 400 on the back of the credit card to apply for five-year principal installment repayment. I don't need to worry about online loans. I'll think about it when I have money. At present, I am doing the same thing. All kinds of online loans collect good evidence and go directly to WeChat official account to complain. The effect is good. The day after the complaint, I stopped calling, and I felt very lonely. I have to buy several sets of books, read books and take exams to increase my income. The most troublesome thing is the loan I applied for from the bank. I borrowed 6,543,800 yuan+0.8 million yuan. I was urged to make several phone calls in the second month after loans overdue, but I still didn't call. I called the bank to apply for a five-year loan repayment, and the bank said it could not be handled. I asked why the credit card of the same bank can help me with the five-year installment. Alas, I can only wait a few months for mediation, eight months for bank prosecution, and then I will pay it back in five years, so why bother! These are my personal debts. I earn more than 5000 yuan a month, and I also paid off the credit cards of several banks that reached an agreement. The money from the online loan has not been paid back for half a year. I said I'd go to the door to explode the address book, collect evidence, record screenshots and so on. I complained directly. Every online loan has handled complaints and repaid the principal without interest. I can't afford it either. I will not consider paying back your credit card until I have paid off the online loan for five years!
500 thousand's debt is indeed quite a lot You have chosen the right way to start a business, and you still have a chance to make a comeback. You should have heard of cross-border e-commerce and profiteering industry!
I am a post-90 s boy, and now I am an e-commerce practitioner in my hometown. I used to earn money by working, but I didn't make any money all the year round, so I began to go back to my hometown to do e-commerce, mainly to do cross-border e-commerce Amazon. Now I run four or five stores myself, and I can earn 30,000-40,000 yuan a month. At the beginning, the investment was 20 thousand to 30 thousand, and it has been earned back. At the beginning, you can choose to do handling first, and then turn it into refinement after the store matures, or make explosions. Amazon has a stable income and is a long-term investment project.
How do we make a profit?
For example, a domestic product sells for 40 RMB, and then sells for 40 euros or 50 euros in Amazon store. After we sell it, we convert it into RMB and earn the exchange rate difference. Basically, you can earn more than 200 yuan after all expenses are removed. The profit is very high, which can reach 40%-70% or even higher. It is indeed an opportunity to do cross-border e-commerce now, with less investment, and it is easier to start a business or entity transformation. You can try to understand.
After reading everyone's sharing, I feel a little unrealistic and some are not suitable for everyone. In short, efforts are always right.
Never give up, never give up. As long as you work hard every day, you will live a full life. Then, no pains, no gains. It is only a matter of time before the debt will gradually decrease.
Have a happy outlook. Some people are upset at the thought that they owe a lot of money and even want to commit suicide. But if you stay in the green hills, you are not afraid of burning without firewood. As long as we are optimistic every day, the debt will be paid off one day.
Don't think of any other way Open up new roads and you will go further and further. When you have millions of debts and can't find any way to repay them, it's time for you to die.
Now, from this moment on, don't look for any foreign debts. Pay off your debts as soon as possible and let your family go. There will be many ways to solve your debt. Don't take the worst!
A post-90 s girl is in charge of more than 800 thousand. Actually, I didn't borrow that much. Slowly, the interest has changed by more than 800,000. At first, I didn't calculate in detail how much I owed and how much interest I had to pay every month. Now I'll write down all the arrears and compare which one has higher interest. Write a summary and plan. I am writing down my monthly income. Do some part-time work when you are free. This will save you a lot of interest.
I have considered your question carefully. 500 thousand's debt is not a small sum. It is impossible to pay off in a short time. Don't think about getting rich overnight, pay off your debts tomorrow! It is right to pay off debts reasonably.
First: sorting out debts, which are divided into debts, online loans, credit information, credit cards and individuals. Tidy up and plan.
Second: Don't start a business easily at this time. Entrepreneurship is a double-edged sword. This period is also not suitable for entrepreneurship, and the disadvantages outweigh the advantages. We must save resources, take part-time jobs and increase sources of income.
Third: personal money is preferred. Relatives' money comes first. Don't let people around you feel cold. Secondly, help others. Next is the bank's money, then the online loan, and the online loan platform can reduce the principal. Put it in the final processing.
In short, you must pay back what you owe. Debt is not terrible. The terrible thing is that we don't know how to deal with the debt reasonably. Once there is an overdue stop loss, stop the loss as soon as possible to avoid getting deeper and deeper.
Promote positive energy, I am Lin Xiao!
Share my experience! To tell the truth, I'm in debt, too. Debt makes me breathless. I have run factories, food stalls and transportation, and I have lost money. Life was once without passion, and life was very tight. It's really like a year, but fortunately, I chose to be a sailor two years ago. Otherwise, I can't imagine what I would live like now. I once wanted to get rid of death and find a way to make quick money, but it was really difficult. I'm stuck in the past and there's no way out. Later, it was pressed by debt collectors (third-party debt collectors) and crushed people to death. It's terrible to turn my family into a family and betray my relatives. But I cried when I saw my elderly parents and poor children. Because I still have responsibilities to face, I have to live first anyway. The first thing I should do is to calm down. Debt can only be put aside and paid back slowly. At that time, the creditors could understand me, but the bank credit card was still very tight, and I was threatened by a third party. Now I have paid off a large part of my debts through my own efforts, which is a relief.
500 thousand in debt is not a small amount, depending on what you do. If you are in business, you are not afraid of losing money, because you have connections and experience. If you are just a migrant worker, it is not a small amount to lose so much. Losing money is unacceptable. The terrible thing is that you have no energy and don't want to work hard. In today's society, as long as you can bear hardships and work hard, you can make money no matter what you do. Ma Yun once said that it is easy to make money. As long as you have a goal and are not afraid of hardship, stick to it every day, and you will definitely make more money, and money will wave to you. Come to me.