I am alone, so I feel actually more tired than opening a physical store. If I have a part-time mentality, I will often cause customers to come over and ask about your absence, and then the glistening RMB in my wallet will flow away. Except ...
Sometimes I need to devote myself to it, and buying funds is also a headache, especially on Double Eleven and Christmas. Obviously, I have the opportunity to make money, but I still have a headache for housing funds. Besides borrowing money from friends and relatives,
Other channels can also be used.
Use a credit card for the first time, and then directly installment. I remember that I spent more than 3000 yuan at that time, and then I paid back the money, interest and handling fee every month, about 220 yuan a month (I don't know why I paid back so much). At that time, I paid back nearly 4000 yuan in installments 18 months. I've never used a credit card again. Credit cards are really too expensive.
Later, it was discovered for a long time that Taobao could actually borrow money, just like finding a guiding light. There are roughly three ways to borrow money from Taobao: five ten thousandths can be repaid at any time, and six ten thousandths can be repaid monthly with interest.
There is also the way of matching principal and interest. To say that these three kinds have their own advantages, if it is temporary emergency use of money (such as double eleven), the funds will be recovered quickly, and you can use five ten thousandths of the order loan; Six ten thousandths of a month.
Paying interest and repaying the principal at maturity is actually a high cost (actually much cheaper than a credit card). This way can be used as a long-term choice of capital circulation and belongs to a kind of psychological pressure. average capital plus interest
Well, it feels like paying off the mortgage. Although you have to pay more money every month, in fact, the total cost of this method is relatively low.
The latest one is P2P, which is very popular recently.
After some simple understanding and various word of mouth, I chose Renren Loan (the value is that this company has hundreds of millions of dollars of financing, which is reliable, after all, information security is also very important), and they hope to make a deal within three months.
Pens, for my small shop, the quantity of 3W must be more than 50, and it is ok to operate for half a year. This shop also adopts the method of equal principal and interest. When I first chose the interest rate, I was shocked. They were all 10%.
A few days later, I found that 1W yuan, calculated at the interest rate of 12% for one year, actually needs to repay more than 600 yuan of interest. Compared with the equivalent principal and interest of Taobao's 900 yuan, everyone's loan is actually more suitable. rapidly
In fact, everyone's loan is not bad. I read all kinds of information about other loans, and I just sent an ID card+Taobao address. What they said is that in three days, it's your message. OK, everything is counted together.
It should be finished in a week, and the whole thing is fine! The main reason is that the cost is relatively low, and it can be saved.
You can see which one you are more suitable for. Taobao shop owner is not easy, there are good things to share!