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Text: Maple Leaf Growth Diary
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Recently, it is because I have done a few big things. One of the things, I finally got ashore, and has completely paid off the credit card of 120,000 yuan!
Unspeakable excitement and relief, waiting for this moment, I have been waiting for many years.
First of all, I lost this debt to my own small business two years ago. I started my business with 40,000 yuan in deposits. I thought I would make a fortune, but I didn’t know it was the beginning of the abyss.
In the past, in order to find a way to pay off the money, I experienced countless insomnia and my emotions were out of control, as if I had lost the meaning of life. Now, with the help of my family, I finally got ashore.
After calming down, I seriously recalled why I used my credit card. It was largely because I had no idea about money, and I didn’t know the harm behind it.
I remembered that I was reminded to repay the loan by the bank, and I paid the salary every month as soon as I paid it, but I am still so scared that I am so scared.
But I took a step back, but fortunately, I was in my twenties, and this was not much. I just treated it as a lesson for myself as a lesson.
Now I have carefully thought about every money I spend and insist on keeping accounts every month. More importantly, I have a new understanding of the concept of money. At least early consumption and borrowing will never appear on me again.
Today I want to use my own personal experience to share with you 7 thoughtful suggestions on the issues of lending and consumption.
I hope you will read this article carefully and it will be of great help!
No matter how much money you want to borrow, don’t use online money, such as Huabei, Jiebei , major banks’ credit cards, social loans, etc.
Before consuming anything, ask yourself whether it is to fill the scene, or can it really bring high-value rewards in life/work?
I used the Shiyuan of the credit card at the beginning. In order to deal with customers and get results, I could show off my skills when I returned to the company like a leader and colleague. The customer mentioned it, why don’t you help me pay 20,000 first?
So I specially applied for a credit card to help the customer clean up the money. Later, the customer paid back the money. For me at that time, I had inexplicably added 20,000 yuan in cash in my account, and after getting into bad thoughts, I didn’t think about going in first.
I started to spend money on credit cards, and now I regret it even if I think about it.
No matter how much money you use, find a way to pay off all the debts immediately, especially those with interest. I can tell you with certainty that my original debt was not as much as 120,000 yuan, and the profits made the amount bigger and bigger! After
is still in, all payment functions will be unbined immediately and cancelled, and will no longer be used.
Nowadays, many platforms have simplified payment steps in order to promote consumption, and password-free payment was born. They even list it for you very considerately. You can use the following loan method to consume in advance.
inexplicably spent a lot of money. There was no free stuff in the world. I immediately stopped borrowing money to consume. I didn’t have the momentary pleasure in front of me, and I put myself in the abyss of working for interest.
before, I liked stocking up very much, whether it was daily necessities or other things, especially in order to make up for a full discount or add one more yuan, it caused me to buy a bunch of things that were expired and useless.
Please remember that don’t blindly buy for holidays, consumption coupons, or discounts. It often seems to take advantage, but in fact it costs more.
Therefore, I also recommend you:
①: Don’t buy things before going to bed at night
②: Don’t consume
③: Don’t eat when you are hungry
Do these 3 trivial things, you’ll save a lot of money.
Why 90% of young people have borrowed? It has something to do with vanity.
After watching the Korean drama "Anna", I realized that vanity can really make people lose money and pay for the bill for a lifetime, so borrowing money to spend in advance doesn't seem to be a big deal.
As a veteran, I sincerely recommend not to spend unnecessary money for vanity.
A person’s value does not lie in his superficial material accumulation, but in his true core strength.
When you want to buy more expensive items, you can ask yourself three questions:
①: Is the value greater than the price?
②: Can buying it bring higher returns?
③: What is the meaning of buying it?
Think more about everything and think a few more seconds. It will be different. After experiencing such a thing, I used to ask myself before buying something, and found that there is no need to spend a lot of money.
What is investment?
Everything that can enhance your own value and bring you compound interest or other rewards in the future.
What is consumption?
seems to be happy after buying it, but it has no effect on itself.
consumption needs to be determined based on our financial strength. If you want to become rich, the fundamental way is to consciously increase revenue and reduce expenditures from the age of 20, and your life will not be too bad after the age of 30.
Share my common trick recently: Increase revenue and reduce expenditure .
Open source actually means investing more. There are two directions to do:
① Financial management, learn to make money make money
② Do more things to increase your value, such as fitness, knowledge payment, reading, skin management, etc.
It is precisely because I have insisted on paying for knowledge since I graduated from college, so every time I quit, I can rely on my skills to find a better next home. These are the future rewards brought by what I learned in the past.
throttling reduces ahead/impulsive consumption.
share 5 tips for sacrificing myself:
①: Make a list of essential items every month, buy first, buy urgently needed items, reduce buying more, buy randomly
②: Divide consumption items every month, such as the online shopping amount is limited to 500 or 1,000, and you can’t spend more if you don’t buy enough
③: When you really want to buy something, think about how long you really want to buy it. How long does it take to afford it to buy
③: When you really want to buy something, think about how long you really need to work to afford
③: When you really want to buy something, think about how long you really need to work to afford
③: When you really want to buy something, think about how long you need to work to afford html l9
④: Persist in accounting, no matter how much money you spend, remember it carefully, read the bill at the end of the month, optimize and adjust
⑤: Don’t be afraid of trouble, take some time to take a look at
There are many poisonous chicken soups on the Internet that advocate that girls should live a refined life. People who don’t think too much can easily borrow money to meet the needs of pseudo-exquisite.
For example, it is said that girls should learn to love themselves, dress better, live better, try to take a taxi when they go out, etc. If they really have this strength, it is reasonable.
What I fear most is that my monthly salary is several thousand, but I have a monthly salary of more than ten thousand yuan. Isn’t this a typical example of a fat man?
Once I was brainwashed by such remarks, which led to myself spending in advance and buying various brand-name bags. I felt good at first;
When the debt is getting heavier and heavier, you also know that you can't pay it off at once, that kind of anxiety is unprecedented.
has only been completely awake now. He lives as much as he has. There is no problem at all. Living a safe life is much better than a poor and refined life.
Most people's salary is basically around a few thousand, and sometimes it can be understood. Apart from rent, daily expenses, etc., there is not much left.
But these are not reasons for us to consume in advance. We would rather find a way to work harder to make money than borrow money to spend.
says that debt-free is light. Even if your monthly salary is several thousand now, as long as you don’t have any debts, you will find that you are still living a very relaxed life. Assuming that you are in debt, even if you earn more than 10,000 yuan a month, you will be anxious.
So don’t be big, you can spend as much as you earn. Even if we don’t wear famous brands, at least we live a down-to-earth and comfortable life, and don’t worry about being collected, let alone get a monthly salary and repayment.
Now I deeply understand the meaning of this sentence.
or above are the 7 consumption suggestions I have listed for myself during this period after I went ashore in debt, and I have done this, and I personally test it to be effective!
Now I feel that every day is brand new. When I wake up in the morning, I no longer feel confused. Instead, I feel that I love life and myself more.
More importantly, learn from the lessons this time, and I will never let myself have any behaviors such as early consumption. Such things are enough for once in my life.
I don’t know if my mentality has changed a lot after experiencing these things. Perhaps because I was in debt, I always had to be quick in everything, I was not patient with the people around me, and my emotions were fluctuating greatly.
Now I have a deeper understanding of myself and find that I am not like that. I also like a slow life and learn to stop forcing others and things that I cannot control.
instead learns to accept an ordinary self. As long as you are not sick or disaster, no debts, and a monthly salary of several thousand is no big deal. Life is long, and money can be slowly.
Finally, I would like to remind you two points:
First point, if you have the same experience as me, you must go ashore in the morning. Don’t feel hopeless. There are still many opportunities. You are also welcome to leave a message below to share what I know.
Second point: If you are not in debt, don’t touch it. You would rather be so poor that you can only drink white porridge, don’t touch it! Don’t start a business easily by taking a loan. If you are in your twenties, if you are not talented, go to work hard first. When you have something to lose the money, don’t care, and then spend money to start a business.
or above, I will encourage you.
-END-
Previous exciting content:
Ambition people, make money and knowledge, share 7 explosive growth suggestions
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Below is a self-introduction:
A post-90s generation who likes autumn, so he named Maple Leaf and goes on his freelance career; he loves writing and uses words to accompany you through the critical 10 years of life; he is keen on sharing, focusing on personal growth, writing and self-media operations, welcome to follow me~
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