? ? You think that installment payment is a way for the merchant to relieve you of the pressure. The fact is that this is the bait to lure you into taking the bait, and you will be asked to pay back double the amount in the future.

I recently joined an investment and financial management group, only to find that there were several young people there who were burdened with loans of tens of thousands or even hundreds of thousands. Some were college students who had not yet graduated, and some had just graduated and had just entered the society. Think about it, there are many young people like them in the society who are deeply in debt.

There is a girl in the group who works as a receptionist in Shenzhen, but she is saddled with a debt of over 100,000 yuan. She does not dare to tell her family or friends around her, so she suffers it silently. With. She said she didn't want to find a partner anymore, she couldn't drag others down, and she was suitable to be alone for the rest of her life. I am still begging for support in the group, but I also complain that I am not good-looking. I want to be an Internet celebrity. I will see who in the group has an Internet celebrity project, and then we will share the money equally.

There is also a boy who started to be in debt with online loans in college. About a year after graduation, he was also in debt of 60,000. He said, "I haven't been home for 2 years. I'm embarrassed to go back to my hometown. I owed it before." It’s more than 100,000, and my family has paid back 100,000, and I will pay back the remaining 60,000 by myself. It is expected that I can pay it off this year.” So people in the group asked: “Brother, this year is already halfway through, what are your plans for the 60,000.” How can I earn it? How can I earn so much money?" So he kept silent about how to pay back the money.

There are so many people who are in debt, but the reasons for their debts are almost the same as "training fees plus their own abnormal consumption", so more and more debts are generated, and the interest is more and more, and the debts are The snowball is getting bigger and bigger, and the pressure is getting bigger and bigger, which affects your judgment of the right and wrong of things, and even affects your world view and life outlook in the end.

I am also an example. It took until October this year to finally pay off the debt from the training class.

In October 2016, I also signed up for an English training class, which cost 34,999 yuan. When I first saw this number, I was shocked. I thought it was too expensive and I couldn't afford it. After all, my salary was only about 4,000 yuan per month just a year after graduation, and my total savings was only 4,800 yuan. I definitely can't afford it.

So the salesman said, "Dear, don't worry, you may think it is expensive at first glance, but the course is two years, only about 50 yuan a day, and we can pay in installments." Then she crunched the numbers on the calculator and said to me, "Honey, you only need to pay back about 1,500 apiece. Look, your salary is more than 4,000, which is affordable, and it is also an investment in yourself." It’s the most worthwhile investment. So don’t worry.”

Then I heard what she said, and at first glance, it was 1,500 a month, so I should be able to afford it. So I paid the down payment with my only savings of 4,800, and used my credit card to survive until the salary date next month.

But things are far from that simple. The tuition fee of 1,500 may be okay for one or two months, but one or two years will be a lot of pressure, and I cannot afford the accidents of life. After a few months, my waist was very sore, so I went to the hospital to take a X-ray. The doctor said that I had a herniated lumbar disc and told me to stay in bed for two to three months. I worked alone in Shenzhen and had to pay living expenses and rent every month. How can I possibly get a break when I still have to pay training fees? So the doctor said, "It depends on your life or money." That day, when I left the hospital, everyone was confused and didn't know what to do.

Later, it may also be because of my waist. When I went to work to catch the subway and went down the stairs, I hurt my foot. My ankle was immediately swollen and I couldn't touch the ground, so I jumped out of the subway on one foot. I stopped at the station and took a taxi to buy Yunnan Baiyao spray. I clearly remember the scene where I was hopping on one foot in the subway. Passers-by looked at me strangely, but no one was willing to help me.

I remember that the Yunnan Baiyao spray I bought at that time was the only 38 yuan left in my Alipay, which was 2 yuan less than the boss. After that, I went to the hospital to take X-rays, and the people who bought the medicine were borrowed from my friends. Later, when it was time to repay the loan, I borrowed 1,500 from my best friend.

When I got to the hospital, the doctor said that I should rest my feet at home for more than half a month. At that time, I really felt that I was so unlucky. My mother was also sick and hospitalized and no one was there to take care of me. So I resigned around December. I went home to take care of my mother. Looking at her bedridden mother, I really felt that I was so incompetent.

But when I resigned, I realized how stressful it was. I may not have to spend on living expenses in my hometown, but in Shenzhen, the rent for the house that I haven’t surrendered is 600 per month, and the training fee for the training class is 1,500 per month. I couldn't bear to tell my family. So when the Chinese New Year was about to come, I borrowed money from people everywhere. Even the wedding gift for my best friend was 600 yuan borrowed from my sister.

I clearly remember the day I went to the training class to repay the loan. The bank called me and said, "Ms. Zou Lingzhi, you haven't paid back this month's loan." I said that I have no job now and no money. , so the female voice on the other end of the phone said, "Please repay as soon as possible, otherwise I will contact your family to help you repay. We have your registered ID card and family contact information, and your overdue repayment will also affect you." "I had to borrow 2,000 from a local boy in the same village. The Chinese New Year that year was the most painful and most depressing time for me. I didn't earn any money to give to my grandparents. It was my mother who gave me the money to pass on to them, let alone my parents at home. At that time, I desperately hoped that the new year would pass quickly and I would find a new job to make money.

On March 6, 2017, I started my job. Although I was not very satisfied, I wanted to resign for a while, but it didn’t work. I had to pay off all my debts. So from March last year until now, the first thing I do when I get my salary every month is to pay back the money. When I first graduated, I was willing to pay two to three hundred for an autumn coat, and eight or nine hundred for a coat. But two or three years after graduation, I don’t even dare to buy new clothes because I still have debts.

I will also sigh to myself, "Why does my life become more and more difficult the longer it takes to graduate?"

Ask yourself why you spent so much money learning English in the first place?

One of the main reasons is that the vision and thinking are too narrow, too simple, and there is too little concept of installment, and there is no plan for one's own money. The salesperson told me that the installment payment included in the training fee is the biggest trap. I thought it would be solved in a month or two, but I didn’t know that the two-year repayment was like a big mountain weighing on my shoulders day and night.

It is precisely because I do not have a correct view of money that I sign up for training courses one after another, but I spend all my energy but make no progress.

Of course, I am not encouraging everyone to say that training courses are not good, because after we graduate, we still need to continue to maintain our learning ability. Maybe it is to improve our competitiveness in the workplace, or to change careers, we have to spend time privately. If you have time to learn, training classes are undoubtedly a good way. Therefore, if you really want to spend money to attend training courses, you must avoid "whether the experience and ability you want to learn are "rigorously needed, rigidly needed, rigidly needed" and say important things three times. If it does not directly affect your future career plans, there is no need to spend a lot of money to attend training courses. Even if you want to attend, you have to wait until you have some financial foundation.

Nowadays, when I go to training classes, I occasionally hear people who sign up say, "I want to learn English so that I can learn a little bit more English when I travel abroad in the future." If you spend tens of thousands just to travel abroad, When you sign up for a class, one of the reasons is whether you can persist. There is also a lot of tuition fees just for traveling which is not worth it.

I often see on the WeChat public account: "Which student learned English and went directly to a foreign company. His salary doubled several times. Why don't you learn English?" Now all English major graduates There is no need for more. If you are not an English major, your salary can be doubled several times just by relying on English. It is difficult for such a good thing to happen to you anyway.

Now, although my salary is not high, I have a better understanding of money, especially after watching "Puppy Money", "Rich Dad and Poor Dad" and other related financial management movies last year. After reading this book, these are really two good books for financial enlightenment. My attitude towards money will be much better now than it was two years ago. In addition to paying training fees every month, I invest 1,500-2,000 in index fund fixed investments every month. The remaining money is divided into living expenses, transportation expenses, rent, etc. Gradually, my life is better. improvement.

Even if I have enough money to pay off the training class, I will still pay it back in installments. There is no interest anyway, so it is better to put the extra money into a monetary fund. Even if it is only a few dollars a day Don't look down upon 50 cents, it's better than nothing. After all, the 50 cents you don't care about is a day's interest on a 5,000 yuan deposit. Of course, if your installment payment accrues interest every month, you must pay it off as early as possible.

It is precisely because I have suffered losses and been cheated before that I now cherish every penny because I know that every penny is my hard-earned money. I spent my precious time and youth in exchange for it. As for the expensive training courses, I have to study harder to be worthy of the time and money spent. Thinking about it, every day is a fixed expense of 50 yuan. If I don't study for a day, I feel that I am so luxurious, so I should be cautious in making luxury decisions in the future.