1. Due to the epidemic, small businesses closed down, and industries such as catering and tourism were particularly hit hard. Bosses cut expenses, and a large number of employees lost their jobs and had no source of income.
2. From the end of 2020 to the beginning of 20021,the price of raw materials rose, but the price of industrial products failed to rise, which led to many enterprises operating at a loss, forcing some enterprises to dare not take orders, enterprises were underemployed, and employees' income declined.
3. The impact of e-commerce on small physical stores. With the increasing popularity of e-commerce, everyone's purchases are transferred to the Internet. Coupled with the impact of the epidemic, access is limited, resulting in some small physical stores can not continue to operate, have changed stores, but also caused a large number of small bosses in debt.
4. the domestic economy is stagflation, and it is not doing business to make money. The more you do, the more you lose. Many people are operating in debt.
Everyone's consumption concept has changed. In the past, we only saved money without spending, but now we spend ahead of time, spending first and then paying off debts slowly, which has also led to more and more debts of a large number of young people.
These are all reasons, but the main reason is that the overall situation is not good. If the overall economic situation is good, everyone can make money and pay off their debts soon.
I don't know how many people are in debt now. I am a person with hundreds of thousands of debts. Now I have to worry about how to repay every month.
I have analyzed the reasons why I am in so much debt for your reference. See if you are in the same situation as me. If so, remember to learn from it and change your lifestyle, otherwise you will easily fall into the abyss of debt.
I am in debt mainly for the following two reasons:
1, careless investment, lack of in-depth understanding of the industry, reckless investment, leading to the loss of failed funds. A few years ago, many restaurants, tea shops and other affiliated companies did a good job in advertising. These franchisees, known as nanny franchisees, use the whole store output model to promote, from site selection, technical training, decoration, shop opening and other one-stop services. In short, it seems that as long as you invest money, you will definitely make money.
Because the joining fees of these franchisees are not very high, they are all below 1 10,000 yuan, and most of them are below 6.5438+10,000 yuan. It is not difficult for ordinary people to spend tens of thousands of yuan on business trips. Even if not, tens of thousands of dollars can be withdrawn from the credit card.
Don't franchisees all claim that there is no risk? Take out tens of thousands of yuan to open a shop and earn more than 10 thousand a month. So many white people, like me, give money to others regardless of risk.
The ending can be imagined. How can there be such a good business in the world? With so many franchisees, it is estimated that 10% finally succeeded in making money.
Moreover, after the franchise fee is invested, the subsequent operating funds and start-up funds are far more than tens of thousands of yuan, and an ordinary store needs at least150,000 to start.
At that time, I opened a shop with only tens of thousands of dollars in my hand. I didn't expect the subsequent startup to cost so much money. If you don't have enough money, you can only borrow it. Anyone who has borrowed interest on the lending platform knows that debts are accumulating.
2, unable to control their own desires, excessive consumption, resulting in excessive spending. Another cause of my economic crisis is excessive consumption.
It's so easy to buy things now that you don't need to use cash. If you want to buy something, you can pay with your finger and credit card. Nothing is more convenient than shopping online.
Women naturally like shopping, and I prefer to buy when I am in a bad mood. I used to go shopping, but now I go shopping on major shopping platforms. From the previous Vipshop to buy Tmall, to the current live broadcast. I found that I bought a lot of things that I didn't need at all, and I bought clothes for several years without even cutting off the tag.
Although the things bought are not very expensive, many a mickle makes a mickle. After a month, the repayment amount of credit cards and flowers will be several thousand. In recent years, business is not good, income is much less, and sometimes I lose money and have no income.
However, I haven't realized that I have formed the habit of shopping. When you see a cheap one you like, you will start. When there is no money on the repayment date, I will stage them. After a few years, I will owe more and more money.
People like me, who are impulsive in investment and irrational in consumption, will fall into economic crisis even without the impact of the epidemic. Said affected by the epidemic, just give yourself an excuse, pass the buck.
Because of the epidemic, the economic problem is not a personal problem. This is a matter for the whole society. It's like a snowball rolling bigger and bigger. Because of the epidemic, the flow of people is small, business is losing money, and house prices are falling. Corporate funds are broken, and banks can't pay back the money. If this situation continues to develop, the people will be responsible and the courts will become as lively as the vegetable market. Small and medium-sized enterprises can't bear it. It is hoped that the epidemic will end as soon as possible, so as to have a healthy development environment. Otherwise, the most sad thing is us grassroots people. Debt is not terrible, I am afraid that I want to pay it back, but I have no chance to make money. If the home is isolated, you can only look at the ceiling.
By that time, there will be no money to eat, let alone pay off debts. Because a large number of people in China are heavily in debt now, they point to paying off their debts every month to support their families. If the city is closed again, it will be fine in a week or two, and it will starve to death in two or three months. So this is also a social contradiction that needs to be solved. I hope to restore the economy as soon as possible.
Today, I read an article about 50,000 liabilities, 300,000 liabilities, 6,543.8+0,000 liabilities, 6,543.8+0,000 financial liabilities, and 50 million liabilities, which means that the boss of a listed company has zero liabilities, that is to say, he basically lives on wages. There is no project that gets up earlier than a chicken and goes to bed later than a dog.
To tell the truth, I am here to appeal on behalf of our debtors. When the economy is booming, your bank wants everyone to borrow more money. The more you borrow, the more you earn. However, in the face of this epidemic that everyone can't escape, everyone is contributing to the fight against the epidemic. Some people are on the front line of the Anti-Japanese War, while others listen to the arrangement of the state and stay at home honestly. In fact, everyone is working hard to fight the epidemic! I know that many banks have given the green light to the heroes fighting in the front line, and I sincerely agree with and support them, but what can you do for those debtors who stay at home, have no ability to work and have no income? I think every debtor who stays at home is also miserable. If it is possible to start work, they will definitely choose to go out to work to make money and pay off debts! Why can't we treat each other as equals?
Banks and bank bosses who earn a lot of money, when you touch this full belly and wipe your oily mouth, do you also consider the people who contribute tens of thousands, hundreds of thousands, millions or even hundreds of millions of loan interest to you every year? It's not easy for them. I don't want you to help each other in the same boat, but I also hope you don't hit people when they are down!
The epidemic caused more than 320,000 small and medium-sized enterprises to cancel. How many people can be unemployed? How many pavements in the street are closed and how many people are unemployed? Click on mobile phones to promote online loans, and APP advertisements for credit cards emerge one after another. The consequences of internet financial madness and shopping madness have come out.
Abuse of credit information makes young people lie flat, travel poorly and wander. The fertility rate has dropped. This series of problems stems from monopoly capital, but fortunately, the state has taken action.
Persistence, immortality will always stand out, be yourself and make yourself strong.
There is no cure unless the epidemic disappears.
At the beginning of 2020, the whole country closed the city, and the son-in-law's barber shop closed down. Income is gone, but rent is indispensable. My daughter posted all her pre-marital savings, paid her debts and closed the store.
In September this year, the son-in-law switched to Yubei to open a food stall. Cycling early and returning late every day, business has not improved, and food stalls were banned after the outbreak.
Now the son-in-law has gone to work in a restaurant. If one day he works, he will have 200 yuan; if not, he will have none. But the haze of the epidemic hangs over our heads, and we can't predict when it will come back.
For migrant workers who have no iron rice bowl, the epidemic is a disaster.
Even if you get a financial salary, you can't get away with it. The most obvious thing is that the wages that should have been raised last year have not been settled, and there has been no movement so far. There is also a one-time bonus at the end of the year, and there is no rumor this year. That's tens of thousands! Rumors are everywhere, and people are worried. So I will work harder on the original basis, keep my job and strive for a smooth retirement. Thirty or forty yuan per class does not limit my freedom too much, so I should be meticulous. A substitute fee of/kloc-0.5 yuan a day was originally disdainful, but now I feel that being arranged is a gift. As for expenditure, can it be saved?
Take your time. I hope the plague is over.