Why haven't you borrowed money from your parents for so long? In addition to my parents' savings, I am afraid of chanting! Before sending my mother a WeChat loan, I asked my mother, "If I am asking you to borrow money, can you ask me why?" Of course my mother said no! Then I kept coming to WeChat to ask me if something was wrong or something! Seeing that I didn't reply to her, she immediately pulled my dad to come to me on a motorcycle!
When I heard my mother shouting outside, I knew she wouldn't stop until she explained clearly! So I opened the door, took my parents to the upstairs room and told them all about it! As for why there are so many debts, my mother's final conclusion is-loan repayment, accumulated interest!
After my parents came home, I checked carefully and found that the ratio of interest to principal of my loan was almost 6: 4! Terrible! I think it's terrible! Not exactly. I don't know!
So, as an experienced person, I tell you-never repay the loan with a loan! Otherwise, it will only add more and more burden to yourself!
Although I have borrowed my parents' savings to pay off my debts, I actually borrowed the money myself. In order to pay off early, I set these requirements for myself, hoping to help you who are in debt after reading this article!
First of all, throttling
(1) Simplify your daily expenses. I first outline my monthly expenses, then circle those unnecessary expenses, and then refuse to pay such expenses in the following days. Take me as an example, I control the necessary expenses every day to 2500 yuan/month. As for the petty bourgeoisie such as milk tea and coffee, let's wait until the debt is paid off! Drink more water, eat less snacks, simplify diet and lose weight! If you don't save a little at this time, when will you save it? When credit is affected?
(2) Set a goal of not spending this year. Last year's clothes will definitely be worn this year; The given thermos cup is also insulated! Therefore, it can replace consumer goods and resolutely not consume. Take me for example. My non-consumption goal in 2022 is-
Do not buy clothes. Arrange time to clean the wardrobe and put all the clothes in order on weekends. Just a body, can't wear so many clothes!
Do not buy books. I have been obsessed with stationery books since I was a child, so there are many books in my bookcase, most of which are brand-new and useless.
Do not buy shoes. Just like clothes, just one pair of feet, don't wear so many shoes!
Second, open source.
It's really not much to keep the salary. Like me, if I hadn't borrowed money from my parents, I wouldn't even pay interest on my salary! Don't just think about your dead salary at this time! Think more about what can make money and do it!
Don't think about it. I can't do it. I can't do that! I don't know if I don't do it, right? Also, even in this period of paying off debts with dead wages, even if you no longer like your present job, don't leave or jump ship at will. Bear with it!
Of course, everything needs to be legal! You can't turn into another ditch before you come out of it!
For example, because I live in the countryside, occasionally there are endless dishes sent by my neighbors at home, so I will go to the company to sell them to my colleagues when I go to work. It's money. Don't! Next, I'm going to be a hitchhiking driver when I go to work at ordinary times, and it's not bad to subsidize the fuel cost! After all, oil prices are rising so fast now!
I think everyone is tired of the method of increasing revenue and reducing expenditure, but the reality is-only in this way can we really pay off our debts! At the same time, if you, like me, have started to repay the loan, I suggest you discuss it with your family and seek their help. Maybe you will be told by your parents like me, or complained by them. Seriously, you can save a lot of interest money!
Come on, debtor! As long as we can stick to it, our debts will be cleared! Take care of yourself! Good health capital is our capital to make money and pay off debts!