If you don't have a car loan and a mortgage, it's still affordable for most people just to pay off the overspending flowers or loans. Basically, after paying back the money, you will still have some money at your disposal. You can go to the movies whenever you want, and occasionally you can go out for dinner with friends. These will basically not reduce your quality of life at all. Of course, people with low wages and unrestrained spending are not within my consideration. ...
If you still have to pay the mortgage and car loan every month, even in second-and third-tier cities, most young people nowadays are really hard without the help of their parents. With a salary of several thousand yuan a month, car loans and mortgages account for a large proportion. Basically, the life of paying off the loan every month is really a bit miserable. After all, you dare not go to the party. After all, even AA's money is rarely taken out, only dare to buy clothes and cosmetics cheaply ... In short, you just feel that life is really "wronged". But after paying off all the loans, it is still very cool to have a car and a house.
Although online lending is a very common thing for everyone now, if you want to borrow money, you still have to cooperate with some formal institutions. One of my high school classmates fell in love with online loans after going to college. Later, I found that I couldn't afford it and I owed more and more money. Now I don't know where to hide to avoid debt.
So it must be a bad experience to say what kind of experience you had when you took out the loan, and for people who are insecure like me, everyone always feels that there is a big stone in their hearts, which is really unbearable.