According to statistics, the debt ratio of Chinese residents has reached 1 10.9%. In addition to the large amount of mortgage loans, P2P online loans, credit cards and usury are overwhelming. Many people are heavily in debt.
You may be used to these comments on the Internet. What:
No debt means you are a white-collar worker.
You owe 300 thousand, which means you are middle class.
You owe 1 10,000, which means your life is not bad.
You owe100000, which means you are driving a million luxury cars.
You owe 50 million yuan, which means you are the boss of a listed company.
Laughing after reading it, 0. 1 second relieved. The question is, can you laugh when calculating debts?
Credit cards are maxed out, and there are dozens of online loans. Friends can borrow it. I've borrowed it all over.
Every day, I have to face a snow-like bill, endless collection of text messages, and today I have another loan to pay back. where is the money to come from? What to do.
I am on tenterhooks every day, thinking about where to borrow money every day, and borrowing new debts to pay off old debts, just like a patient with terminal cancer, his condition deteriorates rapidly.
What's more, it was collected by malicious fraud, and the address book group was explosively collected and threatened by SMS.
Then, in the near future, or now, you will be at the end of your tether.
Not to mention how to repay tens of millions of huge debts, maybe you can't even borrow 1 cent. If you don't believe me, call again. See which friends and institutions are willing to lend you money.
Debt, credit bankruptcy,
Did you fall down naively?
Debt is a chronic disease. If left untreated, it will become a terminal disease, cancer, and ultimately irreparable, leaving a helpless family.
I believe that everyone who is in debt has experienced this despair. So, is there really no hope of debt landing? Let's look at a few examples first.
▼ Ariel Lin paid off his mother's debt of one million yuan in six years.
Yuan, who contracted our whole youth in "Kiss of Pranks", and "I may not love you". You may know that she is a two-time winner of the Golden Bell Award, with zero scandal and a happy marriage, but you may not know that from the first day of her debut, Ariel Lin has been struggling to pay her debts.
Ariel Lin's parents divorced when he was very young, and he was brought up by his mother. In order to support the two brothers and sisters, the mother had to borrow money from the credit card. What should she do if she still can't pay off her debts? She keeps one card for the other. What if the credit card can't be done? To borrow usury. In this way, the rolling interest has brought the family a huge debt of more than 654.38+0 million.
At the age of 20, in order to buy a computer for her brother, she participated in the super beauty audition and won the championship. She made her debut. For this opportunity, Ariel Lin is extremely rare. When filming, he was almost desperate, hanging a wire rope, going down to the deep sea and almost falling off a cliff.
90% of Ariel Lin's hard-earned money was paid off, and another 65,438+00% was divided into several shares, 20% for living expenses, 20% for current use, and 60% for risk-free or low-risk investment.
In this way, six years later, Ariel Lin paid off all the debts for his mother and saved enough down payment to buy a big house for his family in Taipei.
I don't know what people think after reading this story. Ariel Lin is very clever. This story actually contains several very important ways to get rid of debt, which we will talk about in the following series of courses.
▼ Hong Kong entertainment king returns.
Tell another story about Yang Shoucheng, the king of Hong Kong entertainment circle and the head of the "Emperor" group.
Yang Shoucheng, 1943, was born in Chaozhou, Guangdong, an ordinary family. Do you know why he never drives a Mercedes?
Yang Shoucheng/Kloc-started selling watches at the dock at the age of 0/2, and won the agency rights of Omega and Rolex at the age of 24. Opened the Emgrand Watch Jewelry Store, packaged real estate at the age of 29, and created a good world for investment and listing.
However, in 1982, property prices in Hong Kong dropped by 60% year-on-year, and Yang Shoucheng went bankrupt, owing HSBC 320 million yuan (now estimated at over 10 billion yuan). When the property was confiscated, HSBC sent a letter informing Mercedes-Benz that its S-class W 126 was confiscated, saying that Mercedes-Benz was a means of transportation for successful people and Yang Shoucheng did not deserve it!
At that time, HSBC gave Yang Shoucheng two choices.
The first plan is to pay off the debt within 8 years, and then HSBC will return all the good world properties.
In the second option, Yang Shoucheng works in HSBC to help manage the world property, and the profits are used to pay off debts, with a monthly salary of 1.5 million.
Who's Yang Shoucheng? I didn't have a choice, but persuaded HSBC to borrow100000 yuan again to open the "Gem City". "Gem City" has become the busiest jewelry retail market for Japanese and China tourists. In just three years, he paid off nearly 100 million yuan in debt, leaving a mantissa of 40 million yuan.
1986 borrowed 40 million yuan from Royal Trust Bank of Canada to buy back the original assets from HSBC. After the control of the enterprise returned to his own hands, Yang Shoucheng seized the opportunity, entered the financial industry on a large scale, developed foreign exchange and gold trading, and bought a large number of stocks and real estate, resulting in a "big turnaround" in his career. In just a few years, Yang Shoucheng has paid off all debts and returned to the position of the richest man in Hong Kong.
After I turned it over, I said, "stop running."
▼ Let me talk about an example of an ordinary person.
Lin Dongfang, a native of Hunan, came to the provincial capital alone in 2007. Later, he borrowed 200,000 yuan from a friend and opened an auto parts shop. Just caught up with the development tide of auto parts and expanded its business rapidly. At the best time, the annual net profit is more than 2 million.
In 20 12, the state released a large amount of water and borrowed millions to enter the financial industry, providing guarantee, bridge crossing and short-term loan services. At that time, the scenery was infinite, spending money like water, and soon earned tens of millions of pure profits.
In 20 15, the economic downturn, the thunderstorm of loans and tens of millions of funds hit Shui Piao. After the assets are liquidated, there are still several houses, pavements, millions of luxury cars, and cash arrears 1 tens of thousands. The financial situation is good, which is not a big problem at all.
At this time, Lin Dongfang was eager to go ashore, turned over again, and continued to borrow and invest at great risk, which repeatedly failed. In order to repay millions of bank loans, the loan interest rate is extremely high (monthly interest rate >; 5%), but also borrowed a few online loans for living expenses. Every day is thinking about where to borrow money and where to withdraw money. The debt risk has expanded rapidly. By 20 17, all the assets that can be mortgaged have been fully loaned, and all the assets that can be realized have been sold with a huge debt of 5 million.
At the beginning of 20 18, Lin Dongfang, driving around the streets of Changsha, didn't want to do anything. In May, I went to the mountains alone and lived in the temple for a month. I turned off my cell phone and cancelled my number. Even if the online loan bursts the address book, it doesn't matter if the bank issues a court summons.
A month later, I had an epiphany, found a lawyer, actively communicated with all banks and creditors, filed for bankruptcy, and guaranteed to repay the principal. Put all my energy into the open source business, and at present, it has already landed.
"Fortunately, I had a thunderstorm at 20 15. If it is a thunderstorm now, I may never be able to turn over in my life, "Lin Dongfang sighed.
How did the debt come from?
Here, let's assign an assignment first. You might as well think about it. How did you get to that field without water?
You can't be born in this world with huge debts. Many people owe millions of dollars, starting with swiping their credit cards and spending 100 yuan on a meal with friends.
Remember, huge debts are the result of long-term improper handling of accumulation. Even if you learn a series of course methods and actively apply them, you can't solve your debt problem in a short time. Accept the fact that debt may accompany you for some time.
Debt pressure may be poison to you, or it may be an excellent opportunity to change yourself at a critical moment. Everything is up to you to decide and carry out.
Debt is an opportunity for us to face life again and find happiness.
Debt is like darkness in the abyss. I can't get out with all my strength. You are anxious, you struggle, you run around, all to no avail.
The only way to overcome darkness is to fill it with light.
The only way to overcome debt is to regain the ability to accumulate wealth.