written in front
Xiao Wu and Da Liu were buddies in high school. During high school, Xiao Wu became obsessed with online games, and his academic performance went from the top 50 to the bottom of the class. , There is no suspense, a good key seedling is gone. Although Da Liu played games, he had his own sense of measure most of the time, and he still had to learn. Even so, he still did not reach the undergraduate course in the college entrance examination.
After the college entrance examination, Liu obeyed the arrangement at home and chose to repeat the course. Xiao Wu followed his heart, filled in a college and left. Later, although the two people had little contact, they would also encounter it in the game from time to time. Until later, after a year of hard work, Liu went to the undergraduate line and signed up for an undergraduate degree in a city with Xiaowu School. Friendship has since moved from online to offline again. During
, in addition to the games between the two during the break, they occasionally went to each other's school to make an appointment with each other. The friendship between the classmates is not uncommon. This friendship has been maintained. Although they have been working for so many years, the game has not been released again. Until this year, the two have known each other for more than ten years.
Unfulfilled promises and crumbled trust
This is how Xiao Wu needed a turnover of 10,000 yuan (repayment of mortgage and credit card) due to economic reasons. At that time, it was very difficult to find Liu. Because I just bought a car, I didn't have a lot of money on hand. Later, after reading the friendship of former classmates, Liu swiped his credit card and lent 10,000 yuan to Xiao Wu. Xiao Wu was grateful and promised to pay it back the next month.
However, Xiao Wu's promise was not fulfilled. As a result, Liu, who was under pressure to repay the next month, had his credit card overdue and was annoyed by the bank's daily loan calls. I contacted Xiao Wu many times in the follow-up, but every time Xiao Wu would say "I will give it to you tomorrow", "I will give it to you immediately after handling it", "Soon, I will give it to you for up to three days" .
promises again and again,After releasing pigeons time and time again, Liu finally gave up on debt collection. He felt that Xiao Wu was bullying himself honestly and honestly, clearly playing with his feelings as a friend, so he took the debt dispute between Xiao Wu and him to law.
Until receiving a call from the court, Xiao Wu suddenly woke up. It was his own missed appointments that caused the broken friendship.
But thinking of the difficulties I encountered, I couldn't help but feel helpless.
The Origin of the Nightmare
In 2017, Xiao Wu received an invitation from a college roommate, saying that he was going to Hefei, Anhui to start a business. After the final inspection, he vowed to tell me that he said yes Reliable friends, reliable projects, persuaded family and relatives to piece together 70,000 yuan, plus their own credit cards, online loans, etc., a total of 100,000 invested in the so-called "entrepreneurial projects", the result was less than a month. The roommates of the past ran away with money, but it was verified that it was a pyramid scheme.
Since then, Xiao Wu has been in the process of borrowing and repaying loans. It was not until his parents proposed to buy a house two years ago that he told the truth to his family that the money was taken away by pyramid schemes. There has been no news yet. After that, the parents didn’t blame Xiao Wu excessively, they just told him how long he should be in the future, and he should do serious things and don’t go astray, but because he bought a house, he couldn’t afford to spend a penny to support him. Xiao Wu can only temporarily repay the mortgage first. Xiao Wu continues to work to pay off relatives' debts, credit cards and online loans.
The leak in the house happened to rain all night
But it was unexpected. In the Spring Festival of 19 years, Xiao Wu's father suffered a stomach perforation due to drinking, and he was admitted to the hospital. All of the online loans and credit cards were all overdrawn all of a sudden.
Xiao Wu has once again embarked on the process of continuously borrowing loans, but in the face of hundreds of thousands of online loans and rising interest rates, looking at his meager salary, it will eventually be difficult to change it. The scene of the broken friendship just mentioned.
The enlightenment of pain
Until a while ago, I went back to my hometown and met Xiao Wu mentioned this matter (Liu did not fully know the reason for his own borrowing) , Can't help but sigh for a while.
In the whole incident, there are several key issues: friendship and trust, entrepreneurship, housing loans, online loans and credit cards.
First of all, out of trust in the friendship of his classmates, Xiao Liu borrowed money from a credit card when he was not financially wealthy, and lent the money to Xiao Wu. Although the amount was not large, it was because of the situation of Xiao Wu at the time. There are many uncertain factors in making such a choice, and hidden dangers are buried.
Then, Xiao Wu was not like Liu thought. He bullied him sincerely and didn't repay him if he had money. In fact, he was too indebted and unable to repay him. There was no money to pay him back. The pit he dug was too big. .
Listening to the complete paragraph of Xiao Wu’s narrative, I can’t help but remind myself.
No matter how good the relationship is with friends, when facing borrowing money, stick to one principle: Don’t save the poor
Some people borrow money for a reason. It may be because the pressure of the mortgage cannot be reversed for a while, and some are because of business. Need turnover, we will encounter it in our daily life. As the saying goes, there is nothing wrong with helping others, but remember to think twice before borrowing.
You need to be cautious when starting a business, not all projects are worthy of yours
In the current increasingly fast-paced environment, many people have to settle in the 1.2-meter grid under the pressure of life, but the grid is always Can't hold back the heart of wanting to start a business. But please remember that not everyone is suitable for starting a business. If you really want to start a business, you must see the project itself and choose the right partners.Never enter the venue blindly.
It is a good thing to stand alone, provided that you and your family have the ability to take risks.
Temporary loan turnover is no problem, but don’t ruin your own character in your friends’ hearts because of your own desires
In the context of the consumer era, everyone is consuming all the time, but not every time Individuals have the ability to repay corresponding to high consumption. So control your desire to consume well, and how much you can do what you can do.
Today's online loans and credit cards are ubiquitous. Many school students have begun to consume in advance before they have entered the society to make money. This satisfies their temporary vanity, but digs holes in the future.
is a place where money is really needed. Tell your parents the truth and spend reasonable. I believe that as a relative, you won’t object too much. Don’t have the courage to borrow but don’t have the courage to inform your dearest relatives. Parents, it's not worth it. Remember to spend reasonable, don't try to compare quickly.
Responsibilities and endings
Imagine how many friends a person can have for more than ten years in his life, a good friendship, just like this.
As mentioned earlier, because Liu has gone through the legal process, after receiving a call from the court, Xiao Wu has returned to his hometown with Liu from his work place to go through the settlement procedures. Xiao Wu promised to return 1,500 yuan to Liu on the 15th of each month in the future, and the full payment would take about 7 installments.
Faced with the friendship of the past, Xiao Wu and Liu had a long and open talk. Xiao Wu also talked about his helplessness and difficulties, and Liu also said that he could understand that his economic situation has improved after a period of turnover, and the two sides shook hands and made peace. However, after so many years and more than ten years of friendship, there will be some rifts, and they will never go back to the past.
At present, Xiao Wu is engaged in production technical maintenance (professional related) work in a company. He can earn about 8,000 salary per month. After paying off the mortgage and credit card installments, he will repay Liu’s 1,500. There is basically nothing left. I can only find a local labor service company after a break or after get off work at 6 pm (when not working overtime) to find some zero jobs. On the one hand, it is for my living expenses.
At the end of the story, reminds the young people in front of the screen that perhaps you may think that 10,000 yuan is not a big deal. After all, 10,000 yuan is not a particularly big number. However, when you are bombarded by online loan phone calls and WeChat to nowhere, or even threaten to find you in your place, you will know what it means to "stump a hero with a penny."
So, please remember to restrain your desires, and don't dig holes in your future because of temporary vanity.
Is there anyone around you who borrows online loans? In the comment section, have they all gone ashore now?
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