Credit loans are like children eating candy. At first, we thought it was easy to borrow money from B card and repay A card. Gradually, we will give ourselves a wrong feeling: we are financial experts and can manipulate the whole market economy. We began to handle more and more credit cards, and finally one day, we had tooth decay.
In the process of raising loans with loans, I have 50 yuan's income in essence, but I have 60 yuan's expenditure. Paying back the card once a month will increase the borrowing cost of 2 yuan, and ultimately it will only increase our cost invisibly. Drinking salt water when you are thirsty will only make you thirsty! The last heavy interest is the last straw to crush the camel.
Therefore, for those who still use loans to support loans, especially those who borrow online, I would like to give you the following advice:
1, comprehensively sort out your debt and find out the balance between debt and work and life, because everyone's demands are different;
2, don't want to make quick money, don't want to fill the deficit quickly, get rich diligently, and earn stable money. Many people fall into this link, but they are cut again;
3. Confess debts with family members, explain the root causes and harms of debts, and list clear plans for making money and repayment, so that they can feel at ease;
4. Put down your face and try to make more money. Only when your earning power exceeds your spending power can you pay off your debts.
The handling of debts cannot be solved in a few simple words. It is a systematic problem, including a series of problems such as psychological counseling and collection after overdue.
Do you think I'm right?
If you have debt problems, you can leave a message. I am a doctor after a long illness, so I will reply in time and give some suggestions. Thank you.
I am a debtor, spreading positive energy, and I hope all debtors will go ashore as soon as possible.
Stay away from online loans and don't take on more debts than you can repay.
A strong man broke his arm and decisively stopped the loss.
Distinguish:
1. For illegal online loans, you can temporarily withhold them and wait for negotiation.
2. For credit cards and bank loans, you can negotiate with the bank to stop paying interest.
You can also hire a lawyer like a friend around me, and the lawyer will handle the debt. Start your normal work and life.
4. There are also sub-loans around. For example, borrow low-interest bank products, return this in the future, and dispose of everything else to realize account switching.
After all, the law will not push us to the corner, nor will any individual or group be allowed to push us to the corner, even though we may owe a lot of money. There are many ways to pay off the debt. Even if you can't pay off your normal debts, you can repay them slowly every month through work.
Dealing with accounts, the most important thing is to let go of all other thoughts; Let go of the so-called dignity and face others directly; The big deal is nothing, start all over again. Ignorance and fearlessness, no desire, no respect and no fear, no one is fearless.
1, save money, save face, tell your family first and help pay back the money.
2. Try to find friends and relatives to borrow money and pay it back, and then return it to others.
3. I really can't. Try to change money with high interest rate into money with low interest rate.
We must scrimp and save, save face and pay back the money faster than the interest rate.
The credit card must be returned, and the overdue bank will sue you 100%, and you need to bear the legal fees at that time. You can pay off your credit card with other small loans first. Other small loans can be repaid without exceeding the current interest rate stipulated by the state, but they must be repaid like Alipay and WeChat, because it is convenient to pay or transfer money now. The remaining small loans can be reduced or exempted through negotiation. In short, it's best to borrow your parents' money to pay it off first, and your parents can forgive you. A steady income is the best policy.
Immediately stop the behavior of supporting loans with loans, discuss countermeasures with your family, and how much you can repay with the help of your family.
Credit card, Alipay, WeChat, etc. They are all used for online loans and repayment. If you borrow a small loan from an online merchant, there will be interest charges. Some lending platforms have high annual interest rates and high interest rates. If you use a credit card, it is easier to handle private POS now. It costs money to swipe a card from a credit card, and it also costs money to repay it. Anyway, this way of turning around will make you pay a large fee interest unconsciously. Therefore, it is recommended to stop the loss in time to cover the position. As for how to fill the pit, you can do some sideline work. This depends on whether your leisure arrangements are timely. You can set up a drip or something, set up a stall, tutor or something. And use sideline business. On the one hand, you can reduce unnecessary expenses, on the other hand, you can increase your existing income, so that you can get out of trouble as soon as possible, and don't think about getting rich overnight, repaying it in time and making money on the spot. Take care of yourself while making money. Without good health, in the future, you will not have to spend money on medicine to buy health. Therefore, while filling the hole, you should make money on the premise of health and safety, and measure the ratio of income to expenditure. It is not blind. It's best to make a ledger of income and expenditure, so that you can know where your expenditure is. In fact, I personally made a ledger for two months and found that some of them are not necessary for life. This expenditure is still quite large. Therefore, inappropriate consumption is necessary. These figures add up, so it is customary to keep accounts, so that every expenditure can be clearly understood, which is also conducive to filling the deficit.
It is unwise to use loans to support loans, which will cost a lot of interest and handling fees.
Let me show you my plan. Income and expenditure are constant, and the wealth management part is based on the annual income change table of 4%, which is the change table at present and when I am about to retire. In other words, if you don't consider wage increase and inflation, with the increase of your annual savings, your income other than your salary will be higher and higher, and even exceed your salary income eventually, so you can consider going home and lying down. (PS:4% of the actual wealth management income is too low, just conservative, and the ultimate goal is to get rid of the life of having to go to work and realize wealth freedom)
On the other hand, what if it is a loan? Then even if this part of the income is negative, that is, extra expenses, there are loans. Take credit cards as an example, the cash handling fee is six thousandths, the annual interest rate is close to 7%, and online loans are even more outrageous, 8- 12%, which is much higher than my 4%. So how much will your income be consumed by these loans every month? Over time, this is a terrible consumption, so do what you can, and don't buy it if you can't afford it. In my opinion, many people buy houses, cars and borrow money to live are extremely irrational.
So, you can stop loss in time, stop loss in time, you can't stop loss. You should also reduce your expenses and try to avoid debt, especially high-interest debt. As for inflation, it is a fool not to borrow money, and I am afraid I am not a fool. How much interest do you want to spend on other daily loans, except for real estate dividend loans or good investment projects?
Put down face and make money legally. There is nothing to do. The key is motivation and no motivation. No matter how many ways we come up with, no matter how good, it's nonsense.
Confess with your family.
Cut back on food and clothing, reduce unnecessary expenses, set a small goal of paying back the money, stipulate the repayment period and amount, and force yourself.
Find a part-time job, don't rely on dead wages to pay back the money.
There is no way to increase revenue and reduce expenditure. The only way out.