Combined with your own situation, if you want to turn over after debt, you can start from these aspects:
0 1: To sort out the reasons for the formation of debts, generally speaking, we need to know how these debts are formed, is it investment failure or excessive consumption? Even if it is inconvenient to tell others, you must make it clear.
If the investment fails, it is necessary to objectively examine whether it is necessary to continue investing in the project and whether it is possible to make a profit. People often have an illusion that the project that they have paid time and cost will be successful, and they can't make an objective judgment. In fact, it all stems from the unwillingness to sink costs.
If it is debt caused by excessive consumption, we must control the desire for consumption. You know, except for the two most basic living conditions, other additional conditions are dispensable.
02. The basic principle of sorting out income sources and repaying debts is the cost of income-supported loans. It is necessary to sort out your income and whether it can cover the cost of raising loans. If you can, it's only a matter of time before you pay your debts. Otherwise, there is no hope.
03: How to deal with existing debts At present, many people are afraid to borrow again after being in debt. Actually, it's not. The reason why a person's debt collapses is because the financing ability declines until it is lost.
If the return on funds after borrowing is good, you can continue to borrow in this case. Anyone who is heavily in debt is likely to fail in investing.
In short, we must be calm in the face of huge debts. The debt crisis is a personal economic crisis. An economic crisis may come, or a blackbird may come. If the reactions are all the same.
Holding a monthly salary of 4,500 yuan, carrying 900,000 debts. After the divorce, I had nothing, no house, no car, no savings and was heavily in debt. My situation may be worse than yours.
Although I have stood on the edge of the cliff, although I am under great pressure, I don't know where my confidence comes from. I don't think these debts matter. I think I will be able to get up!
This may be the driving force that keeps me struggling!
My thoughts and ideas can be used for your reference:
No matter how much debt you have, you should first sort out your income and let yourself know how much money you can earn in a year. This is the basis of the debt repayment plan.
I have been working for almost ten years, and my income is average. The monthly salary is 4500 yuan. Excluding the monthly living expenses paid to his ex-wife 1500, and his monthly living expenses of 500, there is still 2500 that can be used to repay the account. A year is 30 thousand.
Although the year-end performance bonus is not fixed, it is roughly the same. Take out 20 thousand yuan for Chinese New Year consumption, or you can take out 40 thousand yuan to pay off the account.
If you have a provident fund, you will have 4000 yuan with your unit every month. Can have nearly 50 thousand yuan a year. Although it cannot be directly extracted, it can be included in the debt repayment plan.
This is all my income for a year. What can be used to pay off debts is about 6.5438+0.2 million yuan. The reason why you need to sum up your income is to make yourself understand that you must know what you are capable of. Unfortunately, I didn't realize this reality until I lost money and was heavily in debt. )
My 800,000 debts can be divided into several categories. Among the bank loans, there is only one, namely, ICBC Ronge Loan 1.3 million.
5 credit cards, the maximum overdue is 43,000, the minimum is 7,000, and the total amount owed is 1.2 million.
Others are online loans.
The more formal ones are Alipay's 250,000, Particle D's 40,000, Gold T's 20,000, China Post's 40,000 and Zhaolian's 20,000. This piece adds up to 370 thousand.
The interest rate above 36% is sum D, flash Y, and so on.
The most troublesome thing is the private debt of10.2 million. This is because after the online loan was overdue, the whole person lost his mind and borrowed it from a friend. After borrowing, they all paid back the online loan. The point is, it's paid separately again I haven't done anything except 360.
According to my thinking, I may give priority to repayment to friends and ICBC, followed by credit cards, and finally have the ability to talk about online loans.
Although it may take many years, my goal is to pay back the borrowed money, but it must be within a reasonable interest range.
Only 500 yuan's living expenses are left every month. In my present situation, as far as life is concerned, it is more than enough, and there is more. I'm a bachelor, and I basically don't need money.
However, if you meet with human relations, you will be quite stretched. So I also try to do some part-time jobs to supplement my living expenses.
There are many part-time jobs, but not many suitable for me. Combine your own reality and think about it. I just write some articles to earn some money. But this fluctuation is relatively large.
I chose this part-time job because I like writing. I have been writing materials for four or five years. And it doesn't need to be seen in public, and at the same time, it can improve your writing ability, killing two birds with one stone.
The reason why I say this is to tell you that people who are in debt must find some part-time jobs to get themselves moving and base themselves on their actual situation.
Mosquito legs are meat, too. For us, if it is meat, we have to pick it up!
Finally, to borrow a common saying: as long as people are still there, there is hope!
I don't know how much debt my husband owes outside. It is estimated that it should be about 654.38+0 million. It has been owed for three years, and it was sued by creditors some time ago, and it was overdue. Should have given it back to him.
Because in the past three years, he has been working outside alone, with low salary and unstable work. He can only pay 20 thousand to 30 thousand a year, but because the amount is too small, he can only get this and not that. This year's salary is a bit high, and I paid back 30 thousand from the bank on National Day. However, in February, he was in poor health and went to the hospital several times, spending the next two months' salary. Now he is going to have a physical examination, and there is no result yet. I don't know what happened to him. There is a shop at home, and I do some small business myself, but the total annual income is only about 50 thousand. Two children go to high school, living expenses, other daily necessities and rent, and there is nothing left all year round. All the debt pressure is on him. Because of debts, he has been afraid to go home to visit his old mother for several years. I feel so sorry for him. I want to go out to work and be with him, but I have never worked outside, I don't know what I can do outside, and I am afraid that I can't find a job outside. He has more pressure to support me and my children, so I have been hesitating. I seldom communicate with him when I am busy because I come back to do some manual work, but we keep in touch every day. Maybe a person is lonely when he is working hard outside, especially when he is in poor health. When he is in the hospital, he will feel helpless, so he feels that he has disappeared outside and no one at home will know, so he suffers from depression. I feel much better now after several treatments. He told me the other day that he wanted to live alone and didn't want anything. He wants to live the life he once wanted and doesn't love me anymore. I want to help him, because I feel that I have neglected his feelings, and he also needs my care for his family and children for so many years. I feel guilty. I wanted to make it up to you, but he said it was too late. He doesn't need it anymore. So I told him, do you want us to divorce? He said yes. I still love him and don't want to leave him, but I can't bear to see him struggle. What should I do at this time? Life goes on. At the end of the year, I'm going to ask someone to come over and collect debts, so I'll give it to you alone and give it to us later. It's not that I haven't been able to pay them off. Give them some every year and cheer for us!
I have more than 120, which is similar to yours, but after my efforts, there are still 27 excellent ones. As a person who has not really landed, I will give you some advice!
Never use loans to support loans, or you will get more and more debts and never get ashore.
Second, thoroughly analyze the debt situation and prioritize. Some credit card loans can only be paid off if they are not paid back first. Don't change the number, don't lose contact. If conditions permit, start negotiations and negotiate into a family.
Third, don't be afraid to see the collection calls, don't miss them, and don't answer them all, just one or two a day. They want money, not our lives.
Fourth, open source and reduce expenditure. First of all, under the premise of ensuring the life of the whole family, quit your bad habits, such as alcohol and tobacco. At the same time, find a sales sideline. People are mobile shops, and their mouths are the windows of business. As long as you open your legs, open your mouth and redouble your efforts, there will be a breakthrough and you will not be afraid of rejection. Most of my debts are paid off by doing things, nearly 50 thousand steps a day.
5. Put down face, shoulder the burden, endure loneliness, study and setbacks. Don't dwell too much on others' ridicule, don't dwell on debts, and keep a good attitude, otherwise you won't be able to concentrate on your work and find opportunities to turn over.
On the road of debt, we walk together, work together and cheer together.
I think the debt has been generated, and any negative and irrational behavior is not desirable. We should plan debt repayment from the following aspects!
1. Find a job with a decent income and do some part-time jobs after work to increase the source of income. [Lighting safety lights] [Refueling]
2. First consider the debts such as banks and credit cards that have been repaid. If they don't pay for the time being, you can negotiate with the staff, show your willingness to repay, and repay by installments.
3. Conventional loans, loans that exceed the statutory interest rate stipulated by the state can be temporarily not repaid, and then negotiated with the borrower when they are able to repay.
4. You can't borrow money, stop all the repayment behaviors of robbing Peter to pay Paul, and the debts will only accumulate.
You can't get in touch with any gambling behavior, and you can't imagine making money quickly by gambling. You can only get deeper and deeper.
6. Reduce high-consumption behaviors such as parties and ease their own economic pressure.
7. Find something else to do in your spare time, read books and go outdoors for fun. Anyway, you can't always think about debt! This will only increase your pressure.
Debt10.5 million shows that you are a passionate person and like to take risks. People of this character are easy to turn over. Again, mentality is the most important thing. A broken jar is hopeless when it falls. As long as your ambition is not crushed, turning over is just around the corner.
After being heavily in debt, you may face unemployment, divorce, poverty, bankruptcy, anxiety, loneliness, rejection, contempt, betrayal and injury. It is also an opportunity for growth. If you collapse, things will be turned upside down, and the peak of your life is coming.
First of all, we should keep a good attitude.
I think it is almost impossible to turn over and go to work honestly, especially the debt of 654.38+0.5 million. So we must break through ourselves and try some legal sideline businesses that can bring high returns.
Being from the media is a way to turn over. Now is the Internet age, and mobile phones have become an indispensable thing for us. I think the benefits from doing it from the media are very high.
Only by summing up the causes of the incident and improving the ability to make money at work can we fundamentally solve the problem.
One is to make breakfast, the other is to make Didi, and the third is to set up a night market stall. Three together. In the first year, breakfast should cost 4,000 yuan and 10,000 drops every month. Night market stalls should sell 10,000 voluntary toys (in the form of collars). At least 200,000 yuan can be saved in the first year, 300,000 yuan in the second year, 400,000 yuan in the third year and 500,000 yuan in the fourth year. I'm sure I can pay it off in four years. The point is, from then on, you have the skills with an annual salary of more than 500 thousand.
1.5 million debt really surprised me. First, let's take a look at what we are doing. Why do we owe 1.5 million yuan?
First, if the venture fails, owing 1.5 million can only show that the investment has failed. Nowadays, everyone wants to get rich. When you have this economic foundation, you can't be numb to investing. Investment is risky, so be careful! In this case, it is excusable to owe 6.5438+0.5 million. Because after all, not everyone can invest successfully, and sometimes they will fail. At this time, you should combine your own situation and then find a way to pay back the arrears. Be sincere to people and be honest with things. If you owe a debt, you must pay it back. Don't try to escape. Make a plan for yourself, how to pay it back.
Second, eating, drinking and having fun is hopeless, spending a lot of money and taking the money owed by the usurer, unless he is a prodigal son, it is not too late to mend. This situation is probably a bit difficult to convince others. Family, relatives, friends … all lose their trust in you, and it's over.
Third, I belong to the kind of person who is not so capable and owes 1.5 million. Inevitably, people will be short of money in life, and they can only spend money at most, with an amount of 12 thousand, and they will owe wages next month. Either: buy a house and a car, and borrow some money from relatives and friends in an emergency [shy]. This situation is basically agreed. When will it be returned? It's easy to borrow, but not difficult to borrow. Don't let friends and relatives around you lose trust in you.
What about you? Like me?
I'm just a migrant worker, Aaron.