My college classmate A Hao called me some time ago and asked me if I could help him with a loan. He wants to borrow 500 thousand. I asked him, why did he suddenly borrow so much money? He said that he would get a divorce recently, and he wanted this 500,000 yuan to handle the divorce.
It turns out that his wife usually likes to buy some luxury goods such as brand-name necklaces, brand-name bags and cosmetics. I used to buy them by credit card installment. When it's time to repay, cash out the loan with another credit card. Because his wife has her own job and income, she has been spending like this, and there has never been any problem except that she has no money to save.
After giving birth to the child the year before last, his wife resigned to take care of the child at home, so she lost her income. But the installment bill for buying luxury goods with credit card overdraft will continue to be paid. She was afraid to tell A Hao for fear that A Hao would get angry and scold her. So, in desperation, she began to borrow money from the Internet to pay back the account.
But what she doesn't know is how deep the online loan is and how high the interest is. Soon she reached the point where she had no loans. The total amount of arrears has also plummeted from the original 70,000 yuan to the current 420,000 yuan, and all credit cards and online loans are overdue. The phone call for debt collection finally reached home and called A Hao. A Hao was shocked when he received the phone calls from banks and online loan companies! Under the coercion of A Hao, his wife confessed everything to him.
But that's not why A Hao wants a divorce. A Hao felt that although this happened, it was a couple after all, and it was not bad to find a way to repay the first debt together.
A Hao borrowed 200,000 yuan from his parents and some money from his friends, raising 420,000 yuan. A Hao asked his wife, are there any other debts besides these? His wife promised that it wouldn't happen again. A Hao told his wife, I forgive you this time. We have to take care of a family and a daughter. This way of spending money can't happen again!
A Hao thought that things were settled in this way. As long as the couple Qi Xin worked together in the future, they could slowly pay off the money borrowed from their family and friends. Who knows, just a few days later, A Hao received a debt collection call from the online loan company. His wife has debts to hide from him?
It turns out that his wife didn't tell A Hao about another 50,000 yuan online loan before. His wife thought that the previous 420,000 yuan had caused too much financial burden to the family. She thought that she could solve this 50,000 yuan online loan, so she didn't tell A Hao all this before. These 50,000 online loans are now close to 65,438+10,000 with interest.
A Hao said he couldn't stand it. He doesn't know how many online loans his wife has cheated him, and how many debtors will come to him in the future. This family can't bear such a financial burden any longer. So he filed for divorce.
He wants to borrow 500,000 yuan, not to help his wife continue to repay the online loan, but to settle the mortgage first, so that his wife's name can be removed from the real estate license. He will never share his wife's debts with her again.
A Hao said, in fact, his wife is very good in all aspects, very good to him, and very good to his parents, who also like her very much. She is just unrestrained in consumption, regardless of the economic ability of herself and her family, blindly satisfying her own desires.
A Hao actually had no choice when it came to divorce. There is really no money at home to help my wife pay her debts. He doesn't know how many online loans his wife kept from him. He lost faith in his wife. He doesn't want the whole family to fidget because of those loans in the future.
Uncontrolled consumption, but also through overdraft credit cards, loans to meet their own desires. Such irrational consumption, how can there be no problem in the long run? A Hao's wife is willing to face up to her in A Hao and pay off huge debts together, but she is still dishonest with her, which finally killed A Hao's trust in her and led to the breakdown of her marriage.