On the one hand, the consumption concept is different. Now, after 90 s and 00 s, we accept the concept of ahead of consumption and overdraw the future money to meet the current needs. This concept of consumption gave birth to "a certain amount of loans", which is easy to overdraw money, often creating the illusion of low debt and easy repayment, and it is easy for young people to open the valve of money when spending again, with frequent consumption and high consumption amount.
On the other hand, financial management concepts are different. The biggest difference between post-70 s and post-80 s, post-90 s and post-00 s is not only the concept of consumption, but also the concept of financial management. The post-70s and post-80s have a strong sense of storage, and every sum of money earned will be spent as little as possible, all of which will be deposited in banks, and there are not a few people who invest in stock funds. Now the situation of young people is just the opposite. A few people save regularly. I paid off last month's arrears, and there is basically not much left. We will arrange several activities, such as going out to eat, watching movies and going shopping. Moreover, a considerable number of young people will invest in stocks and funds, with high financial instability and easy to get into debt.
The attitude of enjoying the present and satisfying in advance reduces young people's estimation of potential risks, and many people are confused even if they are in debt. When I was in the investment industry in 2007, I had to bear tens of millions of huge debts because of the financial crisis. I never thought that I would bear such a huge debt before I was in debt. At that time, I also regretted and lost. I wanted to continue my business and pay off my debts, but I have been losing money. I had to temporarily give up the idea of starting a business and work to pay off debts until I found a suitable industry "housekeeping". Now I have been a housekeeper for 13 years and have my own home management company.
So debt is not terrible, but as long as you find the right direction and strengthen your faith, there will always be a day when the rain clears up!
Friends in debt, don't panic. First of all, be sure to find out how much debt you have and which ones are urgently needed. These should be paid first, and an organized debt repayment plan should be made. Friends with relatively generous repayment period can enter the domestic service industry. The domestic service industry has a large market and good prospects, and it is not difficult to learn a domestic technology. They can accept orders at home as soon as possible. As long as you are not afraid of being dirty and tired, you are willing to go home to serve more. It is not a problem to earn more than 10,000 yuan a month.
Friends with tight repayment period, if you have strong communication skills, will run the market, be willing to work hard, be willing to try to start a business, or join housekeeping, with low risk, less funds and little practical difficulty. But we must always keep in mind that starting a business is risky and should be operated with caution.
Debt is not terrible. The terrible thing is to be overwhelmed by debt and have no courage to pay it back.