Children, I want to say a few things to you while you are having dinner today. Just say goodbye to overdraft, don’t overdraft your body, overdraft your consumption, overdraft your love, and overdraft your family ties:
First, health problems, such as drinking heavily, smoking, staying up late, playing with mobile phones, eating junk food, and not exercising, leading to The direct result is that my immunity is low, my health is deteriorating, my body is worse than that of my parents, and I am ill at a young age, which makes my parents unable to see the future; the indirect result is that I can't get up normally the next day, which delays things, affects my thinking, affects cooperation, and makes Are there many examples of business-minded people who do serious things staying away from you?
More exercise, health is fundamental
The second issue is marriage. Before marriage, open your eyes, see clearly, and be sure. Once you get married, you must be willing to admit defeat. After marriage, learn to turn a blind eye, close one eye, and be tolerant. Especially men don’t want to worry about a lot of things. They also like to argue about small things and take offense. Mother-in-law and mother-in-law are not like men. Men have to take on the responsibility of supporting the family. It is the responsibility of educating children and working hard to earn money.
A man must stand upright
A man stands like a pine tree and lies down like a bow. Male, Tian Liye. It is the person who stands in the wilderness and works with all his strength, the person who overcomes difficulties without hesitation! She is the backbone of a woman and the backbone of the family! At home, you are not the young master or the master, nor are you the Lord Belle of the Manchu palace!
Happiness is the result of struggle
The third is to learn the knowledge of financial management. We must adhere to the bottom line of living within our means. Rural people say: No matter how big the diamonds are, how big the porcelain work is, you can’t spend more than you have. Premature consumption, overdraft consumption, debt consumption (including online loan consumption, credit card consumption, bank loan consumption, borrowing personal money for consumption, consumption on the basis of old age, etc.) are not allowed.
Consume rationally, do not overdraw.
Put on car clothes, play with high-end mobile phones, and buy a good car. This kind of behavior appears to be consumption in advance, but in fact it means that there is something wrong with the three views, the thoughts are distorted, and the habits are evil. When borrowing money, what's the point of being secretive, begging for help, overloading, and consuming beyond one's ability? I think it is most likely that it is for the sake of face, to show oneself to the outside world, just to take advantage of the temporary pleasure and publicity, and then be busy afterwards, demolishing one wall to pay for the other. It is really sad! Put yourself in someone else's shoes and imagine how many people are willing to lend money to others? How many people are willing to deal with and make friends with a person who borrows money for a long time and often? People who often borrow money will end up alienated from their moral integrity, alienated from family and friends, and alienated from their relatives. So today I announce that you cannot borrow money from each other (including credit cards and guarantees). When you borrow money, you must have the mentality and preparation that you will never get it back. If you want to borrow money, you must also say hello to your family. , with consent. No matter you are the borrower or the lender, let alone me to pay the debt, no one will pay for you. In order to avoid conflicts and disputes in the family due to borrowing money, try not to have any financial contacts, except of course for buying a house, children taking exams for school, getting engaged and married, and emergencies due to medical emergencies.
It’s shameful to gnaw on the old.
How to go about the road, I would like to make some suggestions:
First, you must have a correct attitude towards life. Admitting your mistakes from the bottom of your heart is a crucial first step in correcting them. If there is a problem, look for the cause within yourself and completely change your bad habits and habits. He is so ambitious that he can't achieve high things and can't settle for low things. He can't do big things and look down on small things. It has been several years, and *** has not accomplished anything. Of course, I do not deny your early efforts. Experience is also wealth. Some of your experiences are wealth, but more of them are lessons and negative teaching materials. I have experienced ups and downs in my life, and I have never succumbed to the arrangements of fate. I am in awe of my ancestors and nature, but I firmly believe that man can conquer nature, and I do not believe in gossip and fortune telling. A person can only rely on himself to win. If a person has a brain, he eats with his head, but if he doesn't have a brain, he relies on his hands! Treating guests and giving gifts, and borrowing money for business operations are investments and can be recognized. However, debt-based consumption is mindless consumption, impulsive consumption, and wasteful consumption. It has no way out and no future.Manage money rationally, consume rationally, and make money a useful tool in life instead of burying yourself in money! Don't let your credit card "stuck" you. In life, many people cannot restrain their desire to shop and have no money, so they have a soft spot for credit cards. Moreover, swiping a card is not a payment of cash, so it always feels like you are not spending your own money, so many people are prone to overspending or overdrafting. There is no pie in the sky, and there is no free dinner in the world. Every injustice has its owner, and every debt has its owner. Enjoyment is wonderful, but repaying the debt is painful. Therefore, you must exercise restraint when it comes to credit card spending. Don’t let your credit card “get stuck” around your neck. If you really can’t help it, just break it and throw it in the trash.
Don’t dream, nothing will fall from the sky, Sister Lin.
Another terrifying realization is: the cultural recognition of negative energy behaviors such as dissociation, violation of rules, illegal crimes, etc. is very scary. Thinking that power and money are omnipotent, over-amplifying the role of these external things, and always trying to take shortcuts, this relaxes professionalism, despises market rules, and ignores openness, justice, and fairness. Many of those who hold power are old fritters who can't be bought off by just a few people. Maybe the person who collects your money is a small government servant, or even a liar. Remember: To make iron, you need to be strong. Using to leverage also requires eyesight, and you need to know where the fulcrum is. Money must be spent wisely. Spending money will not solve the problem. It is spending indiscriminately. If the fulcrum is not relaxed, nothing can be lifted. .
The second is to plan your life. If the government wants to wipe out these debts, it can only rely on increasing revenue and reducing expenditure. In the short term, you must calculate that your income must cover your expenses, and in the long term, you must find ways to increase your income.
You need to be careful in your life.
You must stop thinking about the money in the door and window factory. On the premise of maintaining normal operations, I will establish a three-party basis with your partners to ensure that the dividends are used to repay the principal. In addition, sell the car quickly and do not wait for a moment. If you wait, there will be high interest expenses, so you must make a plan to repay the principal. We must also work hard on budgeting, control our hands and mouth, don't eat what we shouldn't eat, drink what we shouldn't drink, suck what we shouldn't smoke, and don't enjoy what we can't enjoy. If you really can't even pay the interest, you have no choice but to quit the nanny without hesitation, take care of the children yourself, and use the nanny's salary to repay the interest. There is no need to negotiate. The debt must not and must not increase by one point. One cent. Stop loss in one sentence is the hard shell! Only by controlling yourself can you have a future. This big family, small family, father-son relationship, and sister-sister relationship will not be divided! At present, as long as *** does not mess around or go out of line, no one will divide this family and no one will harm this family.
Balance of payments, slight surplus
Full of children and grandchildren, good health, a carefree life, and children who are not burdensome are my pursuit and yearning for a happy life after retirement, and *** is burying my happiness with his own hands. Smart people will not make the same mistakes. As the saying goes, "Nothing can be done without three measures." You have brought considerable harm to this family N times. No matter what, natural disasters are inevitable and there is nothing we can do about it. However, the disasters our family has experienced are not natural disasters but man-made disasters. There are monsters causing trouble. Everyone has the obligation to eliminate the monsters and help the family get out of the disaster, take the right path, and embark on a prosperous road. , let your grandma enjoy her old age in peace.
You must get rid of the devil in your heart
The last sentence is that everything depends on God and people! The prodigal son will not be able to exchange for gold when he turns back, so he should find his way back, put down the butcher's knife, and become a Buddha immediately. It's not too late to make amends. Success is a blessing for the family, but failure will ultimately be the unlucky one for your children and yourself.
The prodigal son turns back, and gold is never exchanged
Reborn from the ashes , Butterfly Future
Our whole family is looking forward to you, change your mind, cheer up, go to bed early and get up early, exercise more, don’t be lazy, stay away from invalid social interactions, don’t smoke, don’t drink alcohol, take good care of your children, live a prudent life, and do useful and effective consumption. throw away Bad habits, give full play to your smart advantages, be a real person, and do things in a down-to-earth manner. If the funds cannot be reversed, as long as it is true and credible, the old man will help you, try not to trouble others, reshape your image, and accumulate With good personal credit, you can face tomorrow with a new look. When we gather again next year, I hope you will be the pride of everyone, and the happiness and smile of this family will definitely reappear!
