Have you found that among those familiar friends around us, it seems that many people have a much higher quality of life than us?
They bask in the scenery, delicious food and happiness in the circle of friends ... It seems that they are enjoying life every day, which always gives people the feeling that they can get money while lying down.
These people live in buildings and drive cars on weekdays, and often walk their dogs in hotels when they are free. A happy life can be described as a beautiful mess.
However, the hardships and pains in life may only be known to them.
Building, maybe just rented; It was only returned a few days before the car loan; On the menu, several "big dishes" with higher prices than 80 yuan only took a look and were unwilling to taste them at all; This dog was picked up in the name of love when he was wandering.
These days, behind the glamour, there are many people who are heavily in debt and live by borrowing money.
Compared with them, who has paid mortgage, car loan, stock loan and card loan? Compared with those who owe money every month, these people should be regarded as "invisible rich"
People with foreign debts know that lice don't bite, and occasionally laugh at themselves with the homonym of "negative Weng". After laughing, all the tears were hidden.
The cruel reality really makes many people feel overwhelmed by all kinds of debts.
As long as people are alive, they will never dare to slack off.
What do you dare not pay back, the money owed to the bank or the loose money borrowed from friends and relatives?
I dream that one day I can pay off all my debts. At that time, I dared to resign, buy whatever I wanted, spend whatever I wanted, travel and fly ... Only before my dream came true, I could only choose to be a man with my tail between my legs.
What I despise most is my boss. Why scold me every day? Don't even you see through my life in debt?
"I want to have a home. It's warm, but it doesn't need much. Just write my name. "
On the one hand, housing prices are soaring, and the voice of bank interest rate hikes is endless; On the other hand, the rental price is rising.
In recent years, the regulation measures of the property market frequently strike hard, which also makes many consumers fall into the confusion of which is more cost-effective to buy a house or rent a house.
However, for those who work hard in the city, owning a house of their own here is undoubtedly an eternal dream.
Whether it is because of the "mother-in-law economy" or the actual needs of the young couple's life, the loan army composed of rigid property buyers has been working hard day and night to make money in various ways.
Chen Ping is a member of this powerful army.
In fact, on weekdays, she is burdened with heavy housing pressure, working everywhere, and working overtime is commonplace.
Although the house is only over 60 square meters, it has spent all her savings and the pension money that her parents have saved for most of their lives.
Although Chen Ping has no regrets about buying a house, she also bears a heavy burden ideologically.
Before buying a house, she made up her mind: "The house will be bought sooner or later. If I don't buy it now, I'm afraid I can't afford it later. I want to earn back the money my parents invested in me. "
In the five years since she graduated from college, Chen Ping has moved nearly 10 times, from sharing a village in the city next to the campus with her classmates, to sharing a two-bedroom apartment with her colleagues, and then renting a single apartment by herself.
Sometimes people change rooms because of disharmony between their co-tenants or landlords, and sometimes they have to choose again because they want to change jobs.
During the period, I also lived with my boyfriend for half a year, and I had to find another place to live because of my sad breakup.
Chen Ping's rental experience is full of difficult memories. The unbearable past finally made her determined to buy a house.
People who buy a house by mortgage have to bear a heavy repayment burden accounting for more than 50% of their income every month.
While enjoying the psychological comfort of having a house to live in, they are also under great mental pressure from all sides.
I am afraid of getting sick, losing my job, raising interest rates by banks and changing jobs easily. I am afraid of entertainment and travel, and have no time to enjoy life.
"House slaves" carry their houses and are firmly "trapped" by real estate agents and banks. Like a chain around your neck, you are locked in the house all your life and become a "slave" who works for the house all your life.
More and more people are kidnapped by the concept of "buy a big house if you have money", and I don't know when this trend of comparison will become fashionable.
In foreign countries, most young people don't like being in debt. In those rich western developed countries, nearly half of the people live in rented houses, as long as they can ride bicycles instead of walking. They would rather invest their own money than be trapped in the spirit and body of their pursuit of freedom by these properties.
Young people are not only affected by mortgage, but also have more burdens above their lives, such as the cost of getting married, the cost of raising children, the cost of filial piety to their parents and the cost of seeing a doctor.
Some people can only try to improve their quality of life by borrowing money, handling cards and overdrawing in order not to make their lives too green. At this point, following the "house slave" and "car slave", a number of groups called "card slaves" appeared in society.
Some people who feel that they are alive and well will persuade people not to get married and have children after being hurt by life, so there will be no such chain-like burden.
It makes sense to think about it. If we were alone from the beginning, there would be no need to buy a house, a car or an overdraft credit card.
Adhering to the lifestyle of "full and not hungry", living a poor and simple life; Now there are two more people in a family of three, so we can't just eat enough. Even so, as a man, he would rather lose his daughter-in-law and baby.
Marriage without quality of life is doomed to end in sorrow; A marriage that you want just by falling in love may not even have a chance.
"Get married and start a family first, and I'll take you with me." This sentence inspired many people to struggle and work hard in the name of love.
Just now, it was called "ideal is beautiful, reality is too skinny".
Some people struggle to buy a bigger house, and some people rack their brains for tens of thousands of dollars in bride price; Some people are very picky in order to marry a beautiful daughter-in-law, while others spend money on plastic surgery and personal cultivation in order to marry a rich man.
I just can't make money, but I will always spend it.
Think about it. Those who "dare" to be in debt after spending money must at least have the ability to repay; How can a person who can only earn enough food and clothing every month pursue quality?
Some people say that "a high-consumption life will make people's pattern bigger", and Qiu Ge cautiously agrees with this view.
I admire those who dare to think and act. At first, they set a life goal for themselves and made unremitting efforts for it. After that, they really lived the life they wanted.
Brother Qiu, with the feeling of sour grapes, takes you to have a brief understanding of the star life of a far superior person:
Poverty really limits our imagination!
The life of a star is beyond the reach of ordinary people, so we have to bring our views back to reality again. In reality, there are only a few people who are light without debt.
Among all the indebted armies, it is necessary to mention the "credit card family", and many people unconsciously turn themselves into "card slaves".
Peng Wei, a young man in his twenties, has just worked for one year, and his monthly income is more than 2,000 yuan. In order to pursue quality life, he set up 25 credit cards to support it. As a result, he was heavily in debt, which almost caused disaster to individuals and families.
More than a year ago, when Peng Weigang came into contact with credit cards, he suddenly fell in love with the chic feeling of swiping cards. There are more and more credit cards in his hand, and he spends more and more generously.
In less than a year, his credit card amount reached 12, with a total credit of130,000 yuan, and his annual income was only over 20,000 yuan.
The bank's repayment notice was urgent, so he had to borrow 654.38 million yuan from the usurer to pay back the credit card debt.
When the parents learned about it, they made every effort to pay their son's debts.
Unexpectedly, less than half a year later, Peng Wei could not resist the temptation and issued 13 credit cards from nine banks. This time, I not only owed hundreds of thousands to the bank, but also owed hundreds of thousands to usury.
Finally, the parents had to sell the house to pay off their debts, and the whole family was in trouble.
Credit cards have indeed brought a lot of convenience to our lives, and more and more cardholders have enjoyed the sweetness of credit card consumption.
However, credit card consumption is also a double-edged sword, which not only makes the "card family" taste the sweetness, but also makes them an out-and-out "card slave". Even like the above case, because of blind credit card consumption, I and my family have fallen into the abyss of disaster.
All "losers" have a common dream: when I pay my debts, I must tear down this miserable life and rebuild it.
In the final analysis, people who turn themselves into "house slaves", "car slaves" and "card slaves" still have problems with their values.
No matter how the world changes, we must have our own persistence. Less comparison and unrealistic fantasies, even if you just choose poverty and happiness.
If one day, the skyrocketing property prices stop and there are more and more reasonable houses in the rental market, China's mother-in-law will no longer regard real estate as the only condition for marrying her daughter, and everyone will be relieved and open-minded ... Maybe it can really push the life of "losers" to reconstruction.