On July 3, 2065438, my parents lent me 123000 yuan. By February 2020 1, I will give home 10.3 million.
In 20 18, my monthly salary was less than 4300, and all bonuses and other income added up to 2 1500. Every month, when the provident fund comes down, you have to pay back 2300 yuan of mortgage by yourself. I feel that this debt has no future, but I have achieved the following five points, which now prove to be very helpful for me to achieve my debt repayment goal.
First, make up your mind to pay back the money: there is no room for negotiation, and pay back the money as soon as possible.
Second, make a feasible repayment plan: tighten first and then loosen.
Third, strict throttling: afraid of being stingy.
Fourth, multi-channel open source: salary increase/multi-channel part-time job/wealth management income
Fifth, update the concept of wealth: believe in money and value it.
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First, make up your mind to pay back the money.
Although my parents borrowed money, I know very well that my parents have worked hard all their lives and saved so little money, and they must return the money to them when they are old. Therefore, I never thought about delaying repayment, or delaying repayment. On the contrary, I am worried that they will feel insecure if they don't have too much money in their accounts, so I have established the concept that as long as there is one yuan to repay the loan and money other than living expenses, they must pay back the money quickly. It is with such determination that the wages and bonuses will be transferred at the first second after they arrive, and the money will be returned immediately. Because I never thought that I could not pay back the money, I had to be much faster than expected.
Second, make a fairly feasible repayment plan.
Since I want to pay back the money, I began to make a repayment plan. The first form has no repayment amount, because at that time, it was not known when the loan would be approved, and it was said that it would take half a year or a year to be approved, so the provident fund could be deducted from the mortgage. So I'm lucky that I don't even have to pay back the loan. Facts have proved that this is naive. Provident funds and commercial loans will be paid in one month (1 1) and in another month (12). However, the three-month delay also helped me accumulate the mortgage for the next three months.
Another explanation is that I planned 500 yuan's fixed investment fund as my backup fund in my salary of 4,292 yuan, which is very good. In "Poor Dad Rich Dad", it is said that the first money should be paid to yourself. Even if there is a lot of debt to pay. Although 500 yuan is very small (suggestion 10%), I have seen the hope of increasing the amount of money in the life of ascetic consumption for one and a half years, thinking that I can use this money to reward myself in the future and tolerate the current restraint. This is very important!
I calculated my basic consumption, gas, travel, meals, clothes, shopping and insurance, and gave myself a fixed budget of 1492 yuan. It turns out that it will exceed one point every month. But in the moonlight, it is much better than before, because there is a benchmark psychologically.
The repayment plan is not to repay the loan in the first year, but to pay more first. Because of the high repayment target in the first year, there is an income gap of 40 thousand. I don't know where my courage went, so I wrote a part-time income of 40 thousand. At that time, the idea was that we must find ways to make money and pay back the money, otherwise we will not be able to pay back the money if there is pressure on mortgage in the future. Where the seeds are planted, they really germinate. Although there are not so many seeds, it gives me the courage to ask my classmates if they have a part-time job.
Third, strictly reduce expenditure: cut all unnecessary expenses.
After making a monthly expenditure budget of 1492 yuan, I painfully persuaded myself to give up unnecessary expenses: buying new clothes, cosmetics, going out for dinner with friends, going to the cinema to watch movies, going to the gym to exercise, watching performances, signing up for various classes and traveling.
Be stingy, even I am afraid of myself.
You don't have to buy new clothes and cosmetics, because you just came back from abroad, and the amount for one year is ok. There is nothing wrong with not going to the cinema and watching movies on your mobile phone. You don't buy a fitness card, but you use keep to exercise. You only spent about 65,438+000 on dumbbells and elastic belt.
Go out for dinner with friends. In fact, the number of times my friends invited me out was far less than I expected. After all, now that everyone has a family and children, it is difficult to have time to share with friends. When I go out, you will definitely pay me once, so I try not to go out. Several close friends knew that I was short of money, and they all rushed to pay, and they wouldn't let me pay at all, so I kept it in mind. Later, I also had a little more money, so I tried to reply to the invitation. They were glad to see me well, and asked me to pay. I also changed the reunion to go to a free calligraphy class or have tea at home. Good friends, in fact, are not the form of meeting. And this process also virtually filters out some friends who are just playing.
After watching the performance, I quickly came up with a solution. That is, you don't have to pay, you can watch it for free. Taizhou where I live is a third-and fourth-tier city. Not many people paid originally. Most of them are going to Ningbo, Hangzhou and Shanghai, so I won't go. Because of the lack of money, I want to see it, so I pay special attention. Soon I found a former colleague who watched the photos of the performance in the circle of friends from time to time. So, I had the cheek to ask: Teacher X, are the tickets for these performances expensive? And she said it was free! Only then did I know that there are many free performances in cultural centers and local universities. She recommended me an app that can grab tickets for free, and promised to call me when there were more tickets. I also found my sister's roommate, and now she stays in Taizhou College as a counselor. She is very familiar with my sister, and I have met her several times, so I told her that if there is any good performance next time, could you please save a ticket for me? She said that many performances forced students to go in order to be full, and she was happy to save tickets for me.
Sign up for various classes. Inspired by free tickets, I thought of a free class-a public welfare class in the Cultural Center. I studied vocal music for one semester and a cheongsam catwalk class for one semester. Later, my high school classmates also helped me sign up for a public welfare class in the Women's and Children's Cultural Center and took a table tennis class of 10. I also began to practice calligraphy under the guidance of my colleagues at school. Because I often pay attention to these, and all the activities on the cultural cloud will be released, I also signed up for the public welfare classes of bamboo carving masters in five museums. In addition, I started to volunteer in the library, thinking that I was bored to death without money, and the weekend was quite fulfilling. The experience here is to pay attention to the resources in life, there are many high-quality resources that can be used to develop themselves without spending money; Of course, the lesson is that it is good to go through a round, but you should also calm down, choose the same and develop well, otherwise you will have no special skills.
Travel. This is the most expensive and difficult thing for me to give up. Friends and classmates around me also know that I love traveling, and they will call me if they want to have any activities together. But in order to save money, we must save a lot of money. I made a rule for myself that I can't travel more than 200 yuan. Haha, after that, almost no one called me. Psychologically, I convinced myself that I had been to many places in the past two years, and now I need to have a rest. Anyway, there will be at least one trade union trip, one party member Red Tour and one recuperation every year. I went riding in Xianju Greenway with three high school classmates, went to see Xianju with my little sister, and bought 29.9 yuan rafting with several colleagues. Once, I made an exception. When I took part in the Red Tour of party member in Jiaxing, I learned that the graduate tutor in Dalian was having a meeting at my alma mater. I immediately rushed to my alma mater to visit graduate teachers and university teachers. The fare and accommodation fee shall not exceed that of 300 yuan.
Fourth, multi-channel open source.
Super awesome job, salary increase. I am lucky that this two-year repayment plan can be completed six months ahead of schedule. The most important thing is that the provident fund and bonus will be increased in the past two years. In July 2008, 800 yuan was withdrawn from the provident fund. In July 2009, I mentioned 600 yuan, that is to say, my monthly repayment was 1, 400 yuan, which saved me 2 1, 000 yuan. The bonus has also changed from the original 1.8 million years to 54,000 years. The extra 36 thousand is enough for me to pay my debts Therefore, if a job persists, there will be surprises even if there is no possibility of a salary increase.
Part-time jobs create extra income. In the past year and a half, I tried to write articles for magazines and earned 1500 yuan. Earned 320 yuan translation fee for the company to translate ppt; There are other part-time jobs that are also very profitable. These zeros always add up to income.
Financial management creates extra income. 500 yuan, send it by himself every month, and the fund will make a fixed investment. I made a fixed investment of 1.5 years later, I redeemed this money, and the income was nearly 17%, about 1.600 yuan. With a bonus of 1000, I bought an Alipay deposit. At that time, I had a yield of 4.8% and earned 500 yuan. Every little makes a mickle, it's all money.
Verb (abbreviation of verb) updates the concept of wealth.
Sister Aixiu once said to me: You have to believe that the money will come by itself, and it will come from all channels.
It was hard for me to believe at that time, but now I think it is. When you focus all your attention on one point, all the resources will be concentrated to serve this point.
During this year and a half, I paid special attention to money because I had no money, and I also read several books on finance. Iteratively update the concept of financial management, believe that wealth will come from various channels, actively explore wealth channels, strictly cut costs and keep money, and do not make stupid wealth decisions, money will come much faster than expected.
These tips can help friends who are also troubled by debt get rid of debt as soon as possible!
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Gratitude:
I am full of gratitude for the seemingly extremely difficult debt repayment time of 1 year and a half. I am grateful for my work and the generosity of my parents. I don't have to pay back the remaining 20,000 yuan, so this 20,000 yuan has become the starting point for my financial management. I am grateful that my parents gave me an interest-free loan without asking for interest. Thank you, little sister. She lent me all the money when she paid the down payment, and unconditionally transferred it to me when she didn't receive it every month. Grateful friends always pay the bill secretly when I am poor and are willing to eat mine when I pay my debts; Thanks to Sister Ai Xiu, Sister Chen and Miss Wang for giving me a push and encouragement when I have no repayment information. ......
From February, 2020.1,from 20,000 yuan. When will there be 65438+ million in the book? Expect time to surprise me!
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Attach a detailed repayment record:
On July 3, 2065438, my family lent me 123000 yuan.
Before 2065438+08-65438+February 8? Repayment: 1.7 million.
20 18. 12.9 returned the mother card to 2000 yuan, and I owe my family 10.8-0.2 = 10.6 million yuan to the class teacher.
20 19. 1. 10 returned the mother card 10000 yuan, and I owe my family 10.6- 1 = 96000 yuan. Evaluation award
Intermediate repayment: 1.2 million.
20 19. 1.22 paid back 5,000 yuan to the mother card, and now the performance is 8.9-0.5 = 84,000 yuan.
On 20 19.2.2, the mother card was paid 3000 yuan, and now the monthly salary is 8.4-0.3 = 8. 1 10,000 yuan.
On 20 19.2.3, the mother card was returned with RMB2,000. At present, the monthly salary is 865,438+0-0.2 = 79,000 yuan.
20 19.3.4 Return the mother card at RMB2,000. At present, the monthly salary owed is 7.9-0.2 = 77,000 yuan.
On April 5, 20 19, I borrowed cash from my mother, 800 yuan. At present, the debt is 70800+800=7 1600 yuan. Have no money to repay the loan
2019.5.12 * *1600 yuan, 71600-1600 = 700 million yuan.
20 19 Repayment to 0 yuan in June and July.
2019.8.1* *17000 yuan, 70000- 17000 yuan part-time income.
20 19.8.2 AliPay returns the mother card 1300 yuan, bank card transfer 1700 yuan, 53000-3000=50000 part-time income.
20 19.8.7 CCB returned the mother card12,000 yuan, 50,000-12000 = 38,00017-18 hanban's assessment reward was postponed.
2065438+September 65438+1October 65438+1October 65438+1October 65438+February to repay to 0 yuan.
2020. 1. 19 paid back 5,000 yuan to the family, and now it is 3.8-0.5 = 33,000 yuan. Has been connected to mom's mobile banking. ? Evaluation award
2020. 1.20 WeChat scan code is also at home 2500; 1.2 1 mom's bank card transfers 7500 yuan, and * * * returns 10000 yuan only. At present, I owe my family 3.3-1= 23,000 yuan. Has been connected to mom's mobile banking. Evaluation award
2020.2. 1 WeChat scan code paid back 3,000 yuan to the family, and at present it is 2.3-0.3 = 20,000 yuan owed to the family. It's already in the mother card. ? Redemption of Fund Fixed Investment
The remaining 20 thousand parents said they didn't have to return it, so they gave it. Thanks for sponsoring hahaha! I accepted it happily, and my parents also gave my little sister 20 thousand.