Living in their late 40s, having experienced the days of debt and being chased by a caller, it became clear that the so-called stability was never supported by “sustained scenes”, but by one footprint。
It's not a joke to say. I'm the one who was kidnapped by little humpty. There is always a feeling that it is necessary to be good to yourself, to consume blindly, and that any one of these clothes could be hundreds of dollars; to see that no one else travels, consumes, sings, even if they don't pay enough, and spends blindly on credit cards。
When i was living a seemingly “precisionful life” while filling the expenditure gap with credit cards and internet loans, i never thought that the amount of arrears would accumulate, much less that one day i would call directly to my office and lose face with my leaders and colleagues。
It was only in that moment that i realized that the “precision” of the overdrafted future was the bubble, which, if broken, would only drag myself into the abyss of indebtedness, without even a human face。
I fell from the clouds to the bottom of the valley, and i was lost, i was anxious, i couldn't even sleep all night, and i felt like i couldn't turn my life around. But looking at the families around them, looking at the increasing numbers on the reminder message, i know that no problem can be solved and that it is only by facing up to the debt and working hard that we can get out of the valley and get to shore slowly。
More than four years have passed, without shortcuts, by death and insistence. Today, you share your personal experience and skills of disembarkation with a view to helping you who are struggling with a low level of indebtedness — do not panic, and as long as you find the right way, ordinary people can get to shore and start life again。
First of all, let go of your so-called face and accept your valley
After the debt, i began with a sense of inferiority and shame, feeling that debt was a disgrace, being afraid to confess to family, being afraid to contact friends, being afraid to be mocked, being despised. Some even ask me, i'll say i'm doing fine。
Until then, i found it harder and harder to escape. In fact, in the adult world, everyone has a difficult time and everyone has a bad time. The debt is not a disgrace, but a disgrace to the self-discard and evading of responsibility。
Let go of vanity, let go of the so-called face, and let go of the present situation. It would be most dignified to focus all our efforts on making money to pay off our debt without fear of being talked about, without paying attention to other people's eyes — to make money and to land soon。
Second, rational planning of expenses, “to the extent of the cost” and rejection of overdrafts
The most fundamental reason why i am in debt is that i have never planned an expense, spent anything, earned anything, even over the future。
The first thing i did after the debt had expired was to get rid of the money and learn to plan it rationally. Once a monthly salary has been paid, a portion of the money is saved for repayment, a portion is kept as basic subsistence, and all the remaining money is saved as a matter of urgency。
Used to buy food and food for themselves and spend a few dollars on a meal; used to buy new clothes and new shoes, now it's enough to wear them, now it's no longer blind; former friends eat and party almost never miss, now only attend the necessary social events and save every penny on the blade。
In fact, life is never built on money, but on the inside. It is okay to live in peace, to be honest and secure, and to settle the arrears slowly, better than anything。
Third, to make money, not to be lazy, not to complain, one more to earn. Bottom gas
The heart of landings is always “making money”. Without sufficient income, rational planning would be useless; without working hard to make money, it would never be possible to pay off its arrears, let alone get out of the valley。
I no longer work as thinly as i have done before, but i take every job seriously, trying to promote myself, trying to earn a raise, doing a steady, solid business — a stable source of income and a basis for disembarkation。
In addition to this, i have used my hours off work and weekend breaks to do my job. Whether it's a small stand, part-time job, or online media, i don't give a shit if i can make money, even if i can make dozens and a hundred a day。
Tired? Sure. Sometimes it is too late to eat, sometimes it is frustrating to give up. But whenever i think of my own arrears and of the expectations of my family, i get a new incentive — one more cent, one step to shore, one more income, one more。
Here, i want to say to you that the debt is not terrible, it is you who have been destroyed by the debt, and you have since abandoned it。
We have all been lost, we have been anxious, and we have all been crushed to the ground by life, but do not give up. Put down vanity, stop spending money, plan spending rationally, make money hard, step by step, and accumulate slowly。
No comparison, no waste, no complaint, no lazyness, no quiet savings to pay off debts and live a life. Believe me, as long as you hold on, one day you'll pay off all your arrears and come out of the debt valley, and you'll be safe and bright for yourself。
May every person who is in debt be treated with kindness; and let every man who tries to get ashore be able to live with time and self, and to move on steady and start a new life。
# debt to shore #
