After listening to his words, I couldn't help ordering a "cool song" for myself. According to his situation, it is estimated that the money will be overdue for some time.
Internet finance has spawned small online loans and installment payments, which has dispersed the pressure of money. The direct result is that the threshold of "high consumption" has become lower.
The interns who just came to the company spent a lot of money. Everyone always thought that this product was a rich second generation. Later, I learned that her monthly salary was used to pay back her credit card, and the rent was always paid by her parents. And her daily consumption is eating and drinking ant flowers, and the credit card is also a period of one period and countless periods have been completed.
Only when the loan is repaid at the beginning of the month will she say, "Oh, it's time to save money. It can't be like this anymore. " The next day, she bought all kinds of shoes, bags and cosmetics just like chicken blood.
Until last month, I wanted to apply for another credit card, and the bank said that her current credit limit was not enough.
After reaching the maximum at all stages, she said, I can't go back. I have enjoyed the material life of "loan" too much. I am vain. I will talk about it later. Anyway, I'm fine now.
There are many people who live in stages like her.
Before coming to Beijing to look for a job, I want to have a plastic surgery to make myself more beautiful. I dare not tell my parents that I want plastic surgery, so I told my family that my mobile phone was stolen, and my parents gave me 5000 yuan to buy a new mobile phone. Actually, I sold a new iPhone and raised 8000 yuan for surgery.
Plastic surgery is addictive, and those who are not addicted may be afraid of pain.
My face and body have moved 10 many times now. I borrowed another installment loan of 654.38 million yuan. There are two courses: Botox and hyaluronic acid, as well as a series of beauty packages, two-year fitness courses and aerial yoga.
Now I have to pay 4680 interest every month. I want to go to Thailand for breast augmentation, about 80 thousand, but my monthly salary is only over 8 thousand, which has reached the maximum amount of installment loan. I want to raise money.
In fact, the family's economic level cannot support such expenses. Without this phased form, I might only have a nose job because this obsession is too deep. But with this kind of delayed consumption, I can provide a basis for my step-by-step "transformation".
I can't go back now anyway.
How long is this road? I don't know, either.
The emergence of installment loans has reduced the cost pressure of many large projects, and small projects are like idle money. But after all, borrowing money is to be repaid. The longer the installment time, the higher the interest. At present, girls who borrow plastic surgery have to change the interest of 4680 every month. Thinking about the long-term repayment, I am exhausted for her.
Online loan, campus loan, installment payment-all look beautiful!
A bank's installment advertisement of "free installment" and "zero interest rate" moved the ape, and he bought a camera for Jiao Jiao. Imagine the picture of traveling together in the future, and I was awakened by a slap before I finished my dream.
Interest is free, but the bank will charge different fees according to the number of installments, camera 12000 yuan, at least 6% for each installment, and at least 864 yuan more for twelve installments a year! And the longer the number of installments, the higher the handling fee.
Installment payment has indeed solved some financial difficulties and has been welcomed by young people. There are also various online lending platforms on the market. However, due to vanity, luck and greed for cheap, overdue repayment and even fraud sometimes occur.
Before deciding on staging, you must evaluate your own pressure and risk. Be sure to know what the monthly interest is, whether the repayment form is first or first, and whether the interest rate is acceptable.
Installment is a neutral tool. Some people will overdraw their financial resources to buy things they can't afford, while others will plan their own balance sheets and enjoy dividends with their own funds. The key is whether you consume rationally or satisfy material desires. You blindly pursue material desires, installment payment will make you cut your throat, you make financial planning according to the actual situation, and installment payment will make you enjoy this big meal of life.
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