You only debt more than 300,000, not a great deal of money, I believe that you are as miserable as you are, or even more miserable than you are a small number of people, especially in the 90s of the current people owe debts The rate is particularly high; according to some data now 90 years after the per capita owes 30,000 yuan, from this data can be imagined, owes tens of thousands, hundreds of thousands, millions of people are also quite a lot.
Now the social loan is not like before only to the bank loan, now with the financial institutions continue to grow, and then there is the continuous rise of online banking, and then there is private lending, private loans, and so on a variety of ways to get a loan. As long as an ID card will be able to loan thousands of tens of thousands of places, loans like addiction, the more loans the larger, and finally the loophole can not be filled only on the credit blacklist, the whole life to the loan to the whole death, so the bitter people are also a lot.
Take the bank credit card as an example, as long as an ID card can be in the bank to open a credit card, open the card on the 3, 5000 yuan quota, but some people in order to increase the credit card quota, at the same time open a few banks credit card, the so-called card.
That is, from this credit card cash out to pay off another credit card, so turn to turn up the card, the credit card amount of rapid increase. When each credit card to enhance to 100,000 or 200,000 quota, just some things in particular urgent need of funds, only through the credit card or cash credit card emergency, the results of a few credit card credit card are finished to save the emergency, and after the matter is dealt with, but the credit card repayment can not be up, can only be overdue, overdue is useless, hundreds of thousands of millions of repayments how can pay back, only one life. I believe that from this road to make their own way to extinction is also very much, this crowd is mainly concentrated in the post-90s, a lifetime on the credit blacklist, but also hundreds of thousands of debt, difficult to turn around.
Then analyze your situation, owe more than 300,000 debts, and immediately overdue, I suggest that you must not overdue, once overdue on the credit bad record, for your future credit impact is difficult. The first thing I'd like to do is to ask you to put forward the following suggestions:
(1) Seek the help of your family, or the help of relatives and friends, first to your family relatives and friends first borrowed the more than 300,000, to pay back this debt, make up for the expected loophole.
(2) Use your skills, use your wisdom to work hard to make money, find a high-income job, peace of mind, slowly family or relatives and friends of the money back.
(3) you have a house and a car in your name can be taken to the mortgage, and then this arrears to pay back, at least to protect do not overdue, can not be on the credit blacklist.
(4) If you have other better ways, you can think of other ways to solve your this about to be overdue arrears, so that will not appear is the best way.
According to your question to the current social phenomenon of the loan was analyzed, but also give you a few suggestions, in short, we recommend that you do everything possible not to overdue the arrears, or you on the credit bad record, there is the interest rolled to the future is the bigger and bigger, sooner or later, you are going to pay the debt. It is not recommended similar to some people in this life are on the credit card blacklist, later to regret.
I 85, now in debt more than 450,000, not blocking not whoring not smoking not drinking, the original has been to do the maintenance of the Internet cafe this piece. 13 years and friends partner to open the Internet cafe, earned a little money, the back to expand the scale of the investment in shares of the seven Internet cafe, when every month there are five or six million income, or beautiful. 15 years in September the country to liberalize the Internet cafe industry access restrictions, the landlord have to smash the money to open the Internet cafe, the Internet cafe, the Internet cafe is the only place to get the money. Changsha a month a district can be approved to get a license are about ten, behind their own Internet cafe business is gradually going downhill, coupled with investment in the field because of the fire problem of a heavy loss, the hand of the Internet cafe one after another are transferred. 17 years of digital currency just fire, and smashed about 400,000 to buy a mining machine to dig mine, it is really quite profitable. Due to the early 18 hospitalized himself sick, but also hospital infected Krebber, lived a month or so, on this period of time the price of digital currencies fell wildly, did not throw, behind the idea of building their own mine to others to do the hosting, looking for some of the power station did not talk about, but fortunately did not get into the end of 18 continue to plummet, the people are dumbfounded. 19 years once again to raise debts to engage in the fruit store, even more pits, do their own network technology this piece of origins, completely not adapted to keep the shop, the business is in the middle of the protection of the shop, the business is not a good place. I'm not used to keeping a store, and my business fluctuates between capital preservation and loss. Among the loans to support loans, mining machine electric charges and hosting costs, depleted the hand of the silver, looking back, not win sad. Now the mood is bad to the extreme, I really feel that life has to talk about life also have to talk about luck, luck comes out of the wind to be pleased with what everything is smooth, luck back how to do are wrong and a series of wrong down ......
Liability more than 300,000 yuan of people, I think more to go, and even more than 300,000 yuan of liabilities are a large number of people. And I'm afraid it's a bit of a tragedy when debt of over 300,000 is due and going to be overdue. Of course there are not a few people who are overdue. At the end of 2018 there were over $80 billion in credit card debt overdue. Put it this way, there are always people with debts and liabilities that are overdue.
Much of the debt these days is related to real estate. Some of our families who rushed in recklessly in the first two years, trying to pick up the slack at a low level and keep their assets from shrinking, seem confused when they look at it today. There are more and more people like this I think. A home loan mortgage repayment, nearly 20,000 or more than 20,000 per month. It's something unimaginable in China anymore. This is something I wrote an article about early last year. But at that time many of us were still spirited. For them, it's just five words floating in the sky: nothing is a big deal. Where mortgages can't stand up to the toss is time. 20 years is a long time to land solidly on the ground, and for a lot of families it doesn't work out. People may have illnesses, careers may have impacts, families may have changes. 20 years anything can happen.
What's more, the debt down payment, the first to get into the house. As a result, you are left with a credit borrowing that is difficult to turn around. A little carelessness may be overdue. Like the title says the situation, consumer credit took to make a down payment is very likely. One time the monthly mortgage payment starts, and on the other side the down payment is still hanging inside the borrowing column. This kind of housing spending is impulsive and defenseless and puts a family on the edge of a cliff.
I think it's always unimaginable for a person to have more than 300,000 dollars of debt caused by consumption. But some people will go to loan sharks, such as the campus loans that were buzzing a while back, or other forms of slash-and-burn loans and the like. It's not uncommon to borrow $10,000 or $20,000 and not long afterward get a combined principal and interest of $300,000 is a common occurrence. If this is the case. How to say it. Borrowing a moment of pleasure, debt repayment to life. Zhou Yu beat Huang Gai's thing. It is not legal and difficult to break free.
Like the situation described above, I would like to say, brother, you are not the most borrowed individual, but to the overdue began, life has taken a turn.
15 years also used to be negative more than 400,000, no goal, on the old and the young! I understand how you feel now! I'm not sure how to do it, but I'm not sure how to do it!
My wife accompanied me, began to start over! Every morning at 4:00 a.m. to pull a carload of 2 yuan goods to 12 kilometers away from the city to occupy a stall, at noon to go home to cook chicken and roast duck, and in the afternoon in the market to sell hand-torn chicken and roast duck! In the afternoon, I sell torn chicken and roast duck at the market! The first thing you need to do is to get your hands on a new car, and then you'll be able to get it back!
Later, like opening a chicken chop store, Zheng Xin Chicken Fillet franchise is too expensive, go to his store to work to learn the technology, online to buy basically the same factory chicken chop, a single product on the study of milk tea, barbecue, expanding store operations! Decoration and so on are their own hand to engage in! The equipment all buy 2 hand ah haha!
At that time, free delivery fee plus microblogging on the delivery of food, and then two microblogging plus nearly 10,000 people, and do microblogging!
At the end of last year, the micro-business change to do the main slimming clothes and bra, store 2 floor to experience museum, there is a trust in the customer to do the basis to do not bad!
Now the store basically employs 3 little sister, he began to idle a little, and realized that in the past few years to become thin and black! Young we are handsome and beautiful, the wife did not change much ahaha!
Just last month I picked up a low-profile Lexus es, a mortgage, ready to have a third child!
In the more downtrodden, the more you have to work hard, the same encouragement
In did not find a shortcut before the first from the effort to start! In the effort, often hidden in the salty opportunity to turn around!
I'm 88 years old, living in Harbin, now and friends opened a noodle shop now monthly income of about 7,000, 3 years ago, because too stupid to invest in the financial company ran, savings + credit card + net loan a **** 500,000 hit the water, the girlfriend is also therefore broken up, and then began a reverse credit card reverse net loan vicious circle, not to mention their own folding these years and did not make a difference, and now owes more than 20 million of the Credit cards and more than 200,000 yuan of online loans, because the credit card control down amount and online loan control is also more and more strict interest rate is getting higher and higher, and is about to pay the store rent, I feel that now I can not see the hope, the car was sold to pay off the debt, and now only one set of loans, because you can't let your parents know that can not be sold to do the second offset because of the wind control is getting more and more stringent to go to the bank can only be personal, the interest rate of 4 points 5 or so is too high, can not afford it, and now just want to do it! The first thing I want to do is to find a way to get money to pay for the store rent and the net loan all settled, only the credit card installment to slowly pay, there is no expert to point out a clear way
sophomore, 80,000 loans, every day all the time not worried about the net loan to find the school or home to go, honestly, I regret, ten entrepreneurs nine nine failure, what genius a graduate can earn a The first thing I'd like to say is that I'm not sure if I'm going to be able to get the money I need to pay for this project, but I'm sure I'll be able to get the money I need to pay for this project. I'm not sure if you're a good person, but I'm a good person, and I'm not a good person.
In 18 years, the World Cup, gambling lost tens of thousands of dollars, the back is not willing to, from the paypal set of tens of thousands of out, just started to win back, and even a small amount of counter-earnings, but they are too much to discuss greed, will not be able to see the good on the end of the steady three days to win the money, a night of pokies, a moment to carry tens of thousands of debt, gamblers a head is a very serious matter, that night on the phone around to borrow money, borrowed The first thing you need to do is to get your hands on some of the most popular products and services in the world, and then you'll be able to get your hands on some of the most popular products and services in the world.
The heart of that time has been manic death, mind only one idea, how to find a way to win back, so, I do not know how to think, I was heartbroken to go to jerk net credit, Jiexin, pat loans, money flowers, borrowed several high gun, put together more than 50,000, ready to get a big, a handful of pokémon! The first thing you need to do is to get your hands on a new one, and you'll be able to do that.
That night I don't know how I stayed up, the heart has been hairy, the hand is shaking, has been thinking, how can I lose, how can I lose, obviously the handicap water level are shown to induce the disk, Croatia will certainly win! The first thing you need to do is to get your hands dirty!
But the loss is lost, the next thing I face is nearly 100,000 debt, my salary of seven thousand five a month, do not eat and drink to save a year also can not pay ah, plus I still have a year of car loan is not finished, at that time, despair and fear of deep tormented me every day, insomnia, mania, can not eat! The heart of a thousand shouldn't be ten thousand shouldn't regret, and dare not let the family know, because if the family knows, especially my father, to his character, not to break my legs only strange!
I won't say anything about the latter, anyway, I'm living through it, or else I won't be able to answer your question so much as a passer-by now. Just hope the reason for your indebtedness is not the same as mine!
You this are counted less, I have experienced too much. 10 years forced from the state enterprise enterprise resignation, began my road of no return.
I left from the state-owned enterprises, I think they are a smart think sure to earn money, and when the state-owned enterprises, the heart is very high, thinking of doing business, make a lot of money. The fact is, the reality is cruel. It's not as easy as imagining the end.
11 years I contacted on the foreign exchange, before the financial vision, yearning, so obsessed with the foreign exchange transactions, but also by those so-called big shot lulled into a five-body cast, think that through learning, practice, will be able to become a qualified trader, and now I think it is really laughable. I do not have to say, we all know what the end, has invested hundreds of thousands of dollars, all lost, and then finally understood, in fact, the domestic foreign exchange transactions are basically what the price of gambling, in fact, is the so-called black platforms, their own losses are not willing to, and a few people, which there is a big brother, together with the platform, but also want to make a fortune from above, to recover their losses. Who ever thought that the leading brother has a problem, the money of the few of us and cheated, really speechless, they play a trader, through the Mt4 platform background manipulation, specializing in winning their own money, a few of us fools to the money, it was really a gambler's heart, lost urgently, go to the credit card brush, borrow loans, hey hey. I also have friends to do this, people are making money, I lost money. Finally know the inside of the cats and dogs, things do not go on, the leader of the big brother also found, are recognized, but it is a word no money, no car under the name of no house, are he rented, cheating us point of money all to pay his debts, self-admittedly unlucky, can only sign an agreement on the arrears of the agreement, agreed to slowly pay back.
Things after the defeat to live ah,: not willing, and a foreign friend to do international trade, invested 100,000 and blood money, really point back back to home, during the period with people to do clothing, but also loss, investment projects are also lost, then I doubt that they are not the big fools, incorrigible, can't meet a reliable person, all the arrears, responsible for nearly a million, every day listless, have wanted to die! The idea of the world is to feel that there are no good people in the world, all liars.
Honestly, that period of time is really tormented, then, I am also in reflection, and then review, why is it so, why is it always their bad luck, there must be a reason, God will not be so always on their own, it must be I have a problem. 12 end of the year, I came into contact with the insurance, of course, the insurance is also counted as a very important part of the financial, and constantly learning, review. Insurance is indeed one of the safest tools in the entire financial system. After that, I have been in this industry, during the period, my good brother, girlfriend, also gave me comfort, and encouragement, told me not to be scared by these difficulties, as long as people live, and the hope of turning the tide. The so-called true love, only in the difficult time to reflect.
In the past few years, through continuous efforts, slowly pay off the debt, but also have their own families, and their own children. The day since also day by day become better. I've been working on my own for a while now, and I've been able to get a lot of recognition in one area, and now I'm focusing on overseas asset allocation and risk management, and I've been able to use my objective, neutral, and professional knowledge to help my clients do the best job of managing their assets.
So I summarize, people have down times, there are not as good as the time, must be correct mindset, can not give up on their own, constantly reflecting, to find out the problem. Can't think too much, every day just do a good job every day, do a thing, to focus on him to do a good job. Must do self-discipline, insist on exercise, insist on reading and learning. Only with a good body, there is a constant flow of cash. There are daily goals, weekly goals, monthly, and finally to the ultimate goal, step by step to achieve, there is really no shortcut in this world, the risk and return is always proportional. Pie doesn't fall from the sky. The last sentence, things are really good to do, recruiting a reliable person is really too difficult, if you find, must cherish, I hope we all do reliable people.
My friend Ah Hui is as miserable as you are, he now has all sorts of holes to fill, press the gourd up the scoop, all day long to get burnt out.
Ahui is in his early thirties, tall and straight, and a handsome man. He worked in the state-owned enterprises, not married, a person's expenses are not big, the annual net savings of more than 100,000, a small car on behalf of the house also has, life is quite moist.
In 16 years, a brand of chicken fillet is very hot, a friend pulled him together to do. They opened a partnership in Foshan, the beginning of the business is good, a month can earn a million dollars. So he felt the opportunity, want to earn more to marry, so in Shunde, Guangzhou and opened two more. He worked as usual and helped out at the store in the evenings.
But this brand of chicken fillet is relatively single product, handsome men and women have tasted fresh, rarely again door. The company's business is a lot of money, and it's a lot of money for a lot of people. The business of his store are opening a good time for a while, slowly turnover decline, each store began to lose money. At this rate, his salary can not top, thinking that can be transferred on the transfer, now there are two are transferred out, only one left in Guangzhou, the rent is too expensive, no one to take over.
After losing money on chicken fillets, Hui and his partners wanted to do something else to recoup their losses, and in the winter of '17 they started selling cashmere coats in Guangzhou's new city. This clothing is too expensive, working people buy less, plus that winter Guangzhou hot beauty can not wait to wear short skirts every day, cashmere coats can sell two or three a day is good, many times are playing zero eggs. Not sold before the New Year, so expensive clothes almost to become garbage. This way more than three hundred thousand again hit the water.
No store Before, A Hui did not have a credit card, and now he has a variety of credit cards adding up to more than 100,000, all empty. There is also the Pudong Development Bank Wanxujin, Industrial Bank Xingxiang loan, every month to pay back almost 20,000 yuan. The most troublesome thing is that the Guangzhou Chicken Fillet Shop can't turn out, and the monthly turnover is not enough to pay the rent, which makes him feel exhausted.
Now that I think about it, if Ah Hui does not open the store, on hand more than 100,000 at any time to get out, and now also back a variety of debt, the most important thing is still a bottomless pit, and want to get out of it can not get out.
Now Ah Hui just want to turn the store out, work well, no longer dare to open the store.