In October 2015, I owed a debt of 5.88 million due to poor management of my online business. I didn't have any bad thoughts at that time, I just thought that my investment direction might be wrong, so I blindly entered into this project without knowing anything about it. But the money is owed, what should I do? Just make money and pay it back! How to pay it back?
I began to re-examine myself and evaluate myself. At that time, I really had nothing. The house is off-plan, not to mention the real estate certificate. Even the house has not been handed over to me. The house I live in is still rented. I do have a car, which is more than 100,000 yuan. In addition, there are these debts that must be resolved.
So, I started to talk to my friends to explain my problems frankly, and asked them to borrow money. At the same time, I explained to them that I was trying to make up for the west, and I would help if I could. If I couldn’t help, I wouldn’t resentment. Maybe it’s because of my usual way of doing things. Some friends lent me hundreds of thousands, some gave me tens of thousands, and some didn’t. However, most of my friends still lent me money as long as I asked.
In this way, I borrowed money, paid off debts, and looked for some small projects to do within my ability. I didn’t deliver food or work as a courier, I just looked for some small projects that I thought I could handle. to do it. In 2016, a friend who owed me money and lost money in business came to me to explain the matter, saying that the 60,000 yuan he owed me could not be paid for the time being, and took his wife's gold rings, necklaces, bracelets, etc. , mortgaged it to me, saying that these things can be worth 20,000, and the rest will be paid back to me slowly. I looked at it, asked him to take it back, and said on the spot that I didn't need the money urgently, and if I really couldn't pay it back, I wouldn't want it. Although I also owe so much foreign debt, I still expressed my attitude generously and resolutely. After hearing this, the friend was so moved that he cried on the spot.
Probably my kindness moved God. This friend later helped me start a project. Now we are getting better and better. Over the past few years, I have repaid more than 4 million yuan. There are more than a million, and they will be cleared soon.
Share a real case:
There is a factory owner opposite my home. He is less than 40 years old. He has been doing his own business diligently. There are many people around us who have no jobs. middle-aged people all work in his factory. Although he is a factory owner, he can usually turn down all social activities. In addition, he usually does not drink or smoke, and loves fitness. Everyone has a pretty good reputation for him.
The year before last, something happened and the factory suddenly closed down!
It turns out that he was obsessed with online gambling the year before last...
His family just saw that he spent more time in front of the computer, but they did not expect that he was addicted to online gambling. After all, when we gamble there, we only do it offline, and there are very few online contacts.
Anyone who knows about online gambling will know that the frequency of each game is extremely fast. For example, one handful per minute. So you can imagine, under such circumstances, how much money you would lose if you participated in every game...
Finally, according to his family, he lost money after just three months of contact. After investing millions in debt, the factory had no choice but to close down...
In real life, people who are in debt are simply:
Loss in gambling, investment failure, or starting a business Failure, and there are also some people who are heavily in debt because of uncontrolled consumption and borrowed a large number of online loans.
Some debts are benign, such as Xiao A bought a new car in full with a friend. We borrowed some money. But Xiao A has strong working ability and high income, so he can pay off the debt quickly.
Some liabilities are not benign. For example, Little C borrowed money to start a business and lost hundreds of thousands. Originally, Little C's own abilities were average, and his family's support for his business had helped him with a lot of funds. In this case, it would be very difficult for Little C to pay off the debt.
It is precisely because those people who cannot think about being in debt are because their debts are not benign.
Not enough. No matter what, you still have to adjust your mentality when facing these things. The sky has not fallen yet, and you must believe that there will always be a way.
Summary:
If you want to be safe, you need to have less debt. You need to consume and invest rationally and not start a business blindly. Take catering entrepreneurship as an example. If you don’t have Experience, don’t go in blindly. Starting a catering business can easily cost you around 100,000 yuan. For salaried people, it will take a long time to save these 100,000 yuan.
Okay, these are my views on this issue, I hope it will inspire you.
One of my former bosses was a great person! That was five or six years ago. Business was relatively easy to do. Managing a company with hundreds of employees was a lot of pressure. However, he had a creed: he would not delay employees' wages or fire them at will. Because it was about to launch a new project, the company's funds suddenly became tight. Bank loans were very restricted for private enterprises. Therefore, the boss mortgaged his three houses and borrowed 30 million yuan to invest in the project. Moreover, the project is also a long-term operation. To be honest, no one can sleep at night if such a large amount of money is placed on their head.
On the contrary, this boss did whatever he needed to do without getting anxious or complaining. I asked him strangely, if he couldn't repay the loan, the house was gone, and he didn't make any money, why did he make himself so tired? He said unhurriedly that most people would think like this, how capable they are, and how much they can do. Making money sometimes depends on chance, and there is also an element of luck. Debt is the current performance, but behind the scenes, we can grasp If you seize the opportunity and create new conditions for making money, what is there to be afraid of? !
In reality, on the one hand, many people have no awareness of risk control and lack preparation for relief from possible life difficulties and business bottlenecks. On the other hand, it seems that the risks are very high, but behind the scenes Hidden is a new development space that is difficult for ordinary people to understand, which echoes the old saying "it's not a big deal if you have too much debt"!
It has been a few years since I left this company. Now I have contacted several colleagues. Not only have they not been dragged down by debts, they are still paying back their money, and their business is still running. In such a big epidemic this year, their wages are still being paid. There are no salary cuts or layoffs. Looking at some companies of the same size around me, if there is a disturbance in the market, I will be so scared that I can't sleep day and night.
If in reality there are hundreds of thousands of people in debt, there are a lot of people who can open a small convenience store for more than 300,000 yuan. Choosing to start a business doesn't seem like a big investment. You don't have to clock in and out all day long, so you have to study a lot. It's difficult for everyone. Why can you be alone and make a lot of money? Some people make a little money by relying on their physical strength, and then they swell up, thinking that big markets and big deals are not a problem. If they plunge into the water, no matter how deep the water is, they will almost drown in just a few splashes, and their intestines will turn green. .
Therefore, when faced with things like debt, people with a lot of debt need to be more prepared because the things they have to do are large-scale and the risks are high, and they must be more adaptable and have a better chance of success. It’s even bigger; the money is not much, but what is at stake is wealth and life. Such reckless and reckless people are either seeking death or waiting for death. This cannot be said to be a risk, but a disaster. If a big wave comes over, there is nothing you can do about it. The success was in vain.
Do your best and don’t do stupid things! Investment is risky, so be careful when taking on debt!
People who commit suicide after being in debt of 300,000 yuan probably have poor psychological endurance and do not have enough confidence in themselves.
Let me first give you an example of my colleague’s sister.
My colleague’s sister used to work as a sales director in a hotel, with a monthly salary of 20,000 to 30,000 yuan. She resigned at home in August this year. As a result, he was eager to make a fortune and was deceived into a stock group. Just last month, he was defrauded of 300,000. These 300,000 were all borrowed.
It stands to reason that her previous income was not low and she should have some savings. Yes, there was, but she had bought two houses one after another, paid the down payment, and had to pay off the mortgage. She had no money on hand. To invest in this stock group, she and three friends borrowed 300,000 yuan to invest. In the end, they lost all their money. Return.
She was in trouble for half a month, reporting the crime, running to the police station every day, and joining various rights protection groups. It was of no use and she could not be found at all.
She was anxious to repay her friend's money because she only said it would be for a few days when she borrowed it, and she didn't want to break her promise. She was so stressed that she wanted to sell the newly bought house to pay off the debt. It wasn't until last weekend that I made up my mind to find a job again and make money to pay off my debt as soon as possible.
Back to this issue, there are two main factors that affect the debtor’s behavior:
The debtor’s mentality after taking on debt.
If he has a good mentality and can think openly when encountering problems, then he will naturally feel that it is only a matter of 300,000 yuan, and there is nothing that money cannot solve. So he will quickly get back on his feet, work quickly, and make money to pay off his debts.
If he is the kind of person who is narrow-minded and can't think clearly, then the debt of 300,000 yuan will be like a big mountain, weighing on him. He may be thinking about this matter while eating, sleeping, or walking. The pressure was so great that he had no time to think about the future and could even breathe. If the debtor continues to be immersed in such a low mood, it is possible to commit suicide if he cannot think about it.
The confidence and earning power of debtors.
If the debtor is very capable of making money and has an annual salary of more than 100,000 or 200,000 yuan, then he may be able to earn 300,000 yuan to pay off the debt in just a few years. The 300,000 yuan is nothing to him. .
If this person has poor earning ability, he can only earn a few thousand yuan every month. Then it may take him more than 10 years, or even longer, to pay off his debts. If the debt repayment cycle is too long, the debtor will feel that there is no hope for the future, which will lead to despair and may lead to a point of no return.
The creditor’s repayment period requirements for the debtor.
When borrowing money from relatives and friends, you can negotiate the repayment period. At worst, you can pay it back slowly. Even if the interest rate is higher, at least there is a human connection, and it will not force someone's life.
People who borrow money from loan sharks are often chased by debt collectors and are cornered. Some people try their best to repay their debts, while others are forced to commit suicide.
There are risks in borrowing money at usury, so be careful.
In summary, it is actually more of a mentality issue. Many people have hundreds of thousands or millions of debts, but they should still eat and drink every day without affecting their normal life. Even as an old man, he felt at ease and had no intention of repaying his debt. This is not to say that such people are right, but life is precious, and as long as you are alive, there is no problem that cannot be solved.
I know a boss who has a debt of more than 10 million. He can't even recharge his phone bill. He always asks us to borrow money to help him recharge, but he usually drives an A6 to our company for tea. , I asked him if he owed so much money and no one wanted to collect the debt? He answered very simply.
Of course, there are people chasing debts. Whenever there is a penny in his bank card, it will be debited by others, so he has no air credit on his mobile phone, so he asks friends to help recharge. I asked him again, can you still drive such a good car? He said that the car belonged to the company and no one would touch the company's belongings.
This made me wonder why no one auctioned his company because he owed so much money. His answer also shattered my perspective. He said, my company is worth millions, and I want them to take over my company. If they take over my company, our debts will be cleared. They are not that stupid. They keep my money. Company, let me make money for them. Although I have no cash, my daily car use and meals are all paid out of the company's account. They have nothing to do and often give me business so that I can pay off the money slowly.
This is really a great person. I found that I am really a frog in the well, and I really don’t have to worry about too much debt.
In fact, there are still a lot of "negative people" in society. They usually drive luxury cars to high-end places. In fact, many times they don't have a dime in cash. The reason why they can still be like this is because they have the ability to , although they cannot pay off the debt immediately, they still have the ability to pay off slowly. This is also related to the work they are engaged in. The consumption is high, but the money comes in quickly. Once they are forced to a dead end, neither party can get it. The advantage is that even if such a person owes a lot of money, he can still live a comfortable life.
However, some working-class people clearly have no ability to make money, but they imitate other people's excessive consumption. In the end, they owe a lot of debt and have no ability to pay it back, so they can only choose the path that should not be taken.
Xiao Ming also wants to advise everyone, if you don’t have this ability, don’t learn from other people’s consumption views. It can easily kill people. A monthly salary of several thousand yuan, and a bag worth tens of thousands of yuan, is such a consumption view. Very important.
In fact, things worth tens of thousands are not worth much in the eyes of rich people, and we poor people cannot see the actual value, so why bother trying to show off? Only in the eyes of those who also like to show off, will there be room for "showing off", but what's the use? The two poor people competed and finally gave the money to the rich man.
Suicide to the point of nothingness! ! ! Three hundred thousand to commit suicide, this is a bit ridiculous. Or it's depression. I have a debt of 8 million and now have nothing, including all my equipment and computers. Everything that could be sold was sold, the house was mortgaged, and the car was mortgaged. Now besides driving a Mercedes-Benz, I can’t get 25 yuan out of my pocket. I often laugh at myself. I still have a bunch of cases with the police and court. That's it, I haven't even thought about committing suicide! ! ! It’s very simple why people live. You don't live for others to see. Even if your wife and children are separated, your parents will be sad. Life is still valuable, I will choose a strange place to start over!
Ruyu first shares a real case
There is a sister next door in our community. After graduating from college, she worked in a bank. In our small county, girls When she was working in a bank, she had a very decent and stable job, and her income was pretty stable. She had all five social insurances and one housing fund, as well as a year-end bonus. Her mother often praised her daughter's good grades in school and how stable her job was now. I often travel with her everywhere.
When I was on the phone with my mother in those days, I heard her say that people asking for debts have been coming to their house recently, and her mother was so scared that she didn’t dare to go out, and her sister didn’t know either. No matter where she goes, she doesn't go to work. Recently, many people have been asking her to pay her back.
I was also very puzzled, thinking about why a very nice sister was being called for debts. My mother then told me: "After that girl works, her salary is not enough, and she has a lot of expenses." , the cosmetics have to be of the highest quality, the clothes have to be brand-name, and any bag you buy has to be a famous brand. How can a little girl have so much money? She can only borrow money online to pay for things, even her mother I don’t even know, but she keeps praising her daughter all day long. How did she become like this?”
After hearing this, I was very surprised. I had seen some online loans before. According to reports, some female students even borrowed money naked, and ended up being deeply involved in the controversy. It is incredible to think about it, but it actually happened around us. It is really unpredictable.
I think of a news report that a female nurse took a loan of more than 200,000 yuan and was unable to repay it. After her mother repaid it, she took out another loan, and finally her mother severed the mother-daughter relationship with her. Some time ago, a woman bought something worth 200,000 yuan during Double Eleven. Her husband was so anxious that he wanted to jump off the building because he just bought hundreds of thousands of things last year, and the account has not been paid off, so he bought again this year. His husband was so angry that he wanted to jump off the building and it would end in one fell swoop.
Problem Analysis
Ruyu wants to say: You must control your desires so that you will not be annihilated by them. One situation is that a person infinitely magnifies his desires and has to pay more than the limit. The consequence of the overpayment is that he may not be able to repay it. In the end, if he can't afford it, he thinks of dying. This approach is extremely absurd. You are irresponsible to yourself and your family!
Another situation is that young people are now under greater pressure. There are many reports about depression, which is really a terrible disease. In particular, young people now have to face mortgage and car loans every month, as well as raising children and supporting their parents. Sometimes when work is slightly unsatisfactory and after being suppressed in life for a long time, he feels that perhaps "death" can bring him relief. However, Ruyu believes that this is not "relief", but drags his family into the abyss.
Summary
Don’t let one person’s decision turn into tears for the whole family
The above is Ruyu’s answer, I hope it will be helpful to you!
The last straw that breaks the camel's back is often not the 300,000 yuan debt, but a trivial thing. It is the continuous haze that prevents life from getting any sunshine, and it is the consequences from all walks of life. The constant pressure on the industry is the result of qualitative changes caused by the continuous accumulation of quantity. What causes people to be confused and seek short-sightedness is not how much debt they have, but more about their "mentality."
Do you still remember the young man who was urged by his girlfriend to give him the keys and drove against the road a while ago? In the end, he was caught and collapsed and wanted to jump off the bridge? Adults' breakdowns are all caused by similar reasons. Pressure from all aspects makes one feel desperate, so the decision can be made in an instant.
Why do some people want to commit suicide when they have a debt of 300,000?
1. No ability to repay
300,000 is indeed a lot of money, but for most young white-collar workers with a monthly income of more than 10,000, maybe 3 to 5 It can be paid off in a year. But this is for those with higher salary levels. It is necessary to consider whether the debtor also has the same level.
People who are in debt of 300,000 yuan may be divided into two types: one is due to investment failure and other behaviors, and the other is like gambling and other methods of losing money. These two ways of debt Reflecting different lives. Those who have failed due to investment often do not worry about the 300,000 because they have a source of income; like some gamblers, if they lose everything, they will lose it all. This is all their savings. Without the ability to repay, and facing undue threats from creditors, there is a high chance that one will choose to "take the wrong path."
2. Don’t want to harm many others
Another possibility is that the person who commits suicide does not want to harm his family and friends, so he chooses to escape in this way. I have an eldest brother who ran away from home when he was a child because he owed money and was pursued too closely by his creditors. He has not been heard from since and has never been home for more than ten years. For him, this was the best way to deal with the situation. It would not involve his family and his personal safety would be guaranteed.
3. People who have no hope in life
Finally, there are those who have lost confidence in life and have no hope. Many people are in debt, but some people choose to commit suicide because they have nothing to love and are at the end of their rope. Maybe they are burdened not only with the 300,000 yuan debt, but also with work pressure, life pressure, family pressure, social pressure, etc. A debt of 300,000 yuan is not difficult to repay, and there is always a way to fill it; but a desperate heart is often difficult to mend.
Finally:
I would like to suggest that those who are hopeless in life think about the meaning of a short life. What is the meaning of being born as a human being? We are not living for ourselves, we are also living for others, so committing suicide is a selfish way to deal with it. Facing it correctly and looking for opportunities to make a comeback is the best way.
Nietzsche said: Those who can’t kill you will eventually make you stronger. Shi Yuzhu turned from a rich man into a negative man with hundreds of millions in debt. Now he is making a comeback by relying on his own strength. What? Isn’t it that strong heart that persists till now? Many things that seem insurmountable, but when I look back at them after a while, I will be very pleased: I actually succeeded in doing it! Got through it!
Only by forging the armor of your own "heart" and finding the right direction to break the situation can you be invulnerable to all poisons, invulnerable and live a more wonderful life.
Let me tell you something that happened to my friend: A friend of mine lost money when running a factory and was in debt of more than 400,000 yuan. He chose to jump off the building. Fortunately, the floor was not high and he was only slightly injured. Ask him why? My friend is only 38 years old. Even if he goes to work, he will pay back 3,000 a month, which will be paid off in more than ten years. How could he choose to commit suicide? A friend told me how sad he was: After my friend set up a factory, his wife stopped working. She took care of the housework and took care of the children at home. In her spare time, she went to play mahjong with her friends. In the eyes of others, she looked like a rich wife. The factory closed down. After that, I started quarreling with my friend all day long, calling my friend incompetent and a loser. Living with my friend meant I was suffering, and we often got divorced. My friend's debt debt was already stressful enough, and my wife's incomprehension and lack of understanding were added to it. My friend couldn't stand the commotion, so he jumped off the building in anger.
In fact, when my friend committed suicide, it was not the pressure of debt, but the pressure of his family that made him choose suicide. A woman can make a man brilliant, but she can also destroy a man.
When you feel that nothing in this world is bigger than life and death, you will never take the road of suicide. Your mentality is really important. Let me share with you a true story. My expression elder brother.
The year before last, my cousin was very unfortunate. His 20-year-old son had a brain tumor. They were from a rural family and their income was not high. When I didn't know the condition at first, I took my son to Nanjing for a check-up. After the check-up, he was diagnosed with a brain tumor. The whole family collapsed instantly. What should we do next? For such a son, surgery is definitely needed. Although it cannot solve the fundamental problem, it can prolong his life.
My cousin thought about it and finally decided to come to Shanghai for surgery. Although the disease is definitely incurable, he must try his best to find the best medical conditions. After coming to Shanghai, I also helped him. I won’t go into details about the process. The first surgery plus radiotherapy cost about 300,000 yuan. Most of the money was borrowed, plus I helped him raise five dollars. Sixty thousand dollars.
After the operation was completed, it was over, but the subsequent costs were actually greater. Every time I came to Shanghai for radiotherapy, I would go see it and buy something to take with me. When my cousin and I were having dinner, we talked about how many times we didn’t have enough money to pay for medical expenses, so we had to ask the doctor in the hospital to pay later and go home to raise the money ourselves.
In the past year or so, a friend introduced me to someone who could take some clothing orders, so my cousin borrowed a lot of money to start a small clothing factory. Money is so easy to make, and every day When it came time to pay my salary, I couldn't get any money, so I looked for ways to borrow money everywhere, and my house was rented out.
Every time we discussed this business during dinner, we advised him not to open it if he really couldn’t continue. My cousin always said that he had already invested money and it would be a pity to give up. Besides, his son’s medical treatment costs money, so he had to persevere and earn as much as he could. To be honest, I still don’t know if he has made any money. Every time I go home, I can’t even get the money to buy cigarettes, but the factory is always there and taking orders.
But every time I see him, I don’t see that he is worried at all, and he never shows off in front of others. When friends ask me to go out for dinner and drinks, I go out to drink happily. When I borrow money, I am really worried, but when I drink and eat, I am really happy. My cousin said something to me: "The family is already like this. If I can't hold on anymore, it will be over. No matter what, there is hope if I persist."
My cousin is a very special person in the eyes of all relatives and friends. Unreliable people, but after this incident, many people lamented that if they encountered such a thing, they would not be able to survive it. So, when you encounter the same suffering, it depends on how you look at the problem. Sometimes it is out of responsibility, sometimes it is out of hope, and sometimes it is out of optimism.
When you feel that nothing in this world is bigger than life and death, maybe you will not embark on the road of suicide because of being entangled in debt. Having more or less debt is not the key, the key is how you think about it. How do you view this matter of life and death?