Dealing with liabilities is a compulsory course for adults.
According to the survey, among young people aged 18-29, the penetration rate of credit products exceeds 80%, and the proportion of really indebted people in the overall young people is close to 50%.
Consumption desire and real needs, earlier than career and income, reach the peak of life, this helpless mismatch, in every era. Indebtedness, whether for overall socio-economic or personal growth, is not useless. It's just that the world that young people have to face now is obviously more complicated than they think.
The city painter found several young people, who had been in huge debts, and then each experienced a "purgatory" and successfully landed.
Looking back, those real feelings are more precious than some truths.
#01
@ sheep and sheep female 23 years old coordinates Liaoning for sale
The debt is 12W+, which has been paid off
I was born into a petty bourgeoisie family with a big grinning personality, and before I went to college, I always thought of myself as a confident and sunny person. After going to college, I found that changing my appearance to get attention made me happier than studying, and I started working out. At this time, a female frequency APP is very popular, with fire white thin young aesthetics.
While my friends and I denounced the white and thin aesthetic, I couldn't help but slowly move closer. In my junior year, I found that the "celebrity style" was more advanced than the "white skinny child". So, I carried out a "consumption upgrade". Bought yourself a number of designer brands, including two entry-level designer bags. To this end, I borrowed 2w on the online platform and 5k with my classmates.
△ The "white skinny child" and "famous lady style" of a certain platform.
At this time, I received a lot of attention as I wished. They would ask me what liquid foundation I used and praise me for "looking rich." I opened an account on Weibo and wanted to be a face value blogger. In order to successfully eat "net red rice", I began to buy water army. Until 2020, before canceling my account, I would have to spend about 300 yuan for each Tweet.
After graduation, I didn't find a suitable job. My parents also stopped providing me with living expenses. At this time, various debt collection calls came. It wasn't until I started paying off my debts that I started counting the amountS I owed, up to 12W. Fortunately, because of the timidity did not choose plastic surgery, otherwise the amount would only be larger.
△ @ Sheep and goat part of the cosmetics photo.
In order not to let my parents find out, I took a job of a sales nature. Put my cosmetics on the second-hand market and sell them. Because I was in a hurry to use the money, I didn't feel anything when I sold it. The desire for money has reached the highest value of my life so far. The most desperate thing every month is the reminder call, they threaten me to burst the address book, so that I will be "ruined" when I will collapse.
After a year of hard work, with the help of friends and family and my own efforts (eating and living at home + saving money), I used all the money from my work to repay, and there was basically no leftover after the monthly repayment of 6k. I was relieved to pay off my debt earlier this year. I broke off my college classmates and didn't want them to see me as I was.
Nowadays, I am used to having only black, white and gray clothes in the closet. But when Su Yan goes out, I still can't help but put on my hat. I'm still the one who likes to be glamorous, and I can't help but miss my glamorous self in college, but just look at the photos.
#02
@ Jiaxiong classmate male 24 years old Coordinates Guangzhou auto repair industry
Once in debt 14W+, now deposited 5W
From 14W in arrears to 5W in deposits today, many people think I have turned over. But I'm still going to wake up poor.
In 2017, my friend and I partnered to run a digital foreign trade online store, the business failed to owe 6W+, the family's purchase of real estate owed 8W+, plus at that time talked about the girlfriend's excessive consumption... Not only did I spend 4w of my savings, but I also owed 14W.
I work in the auto repair industry, nine to six, and earn 6K per month. Hearing that takeaway can earn tens of thousands of dollars a month, I held the determination that "nothing can be lost again", spent 100 yuan, bought a mountain bike, registered an account online, officially opened a side business, and became a "takeaway brother".
△ Jiaxiong classmate.
At that time, it was the dividend period of the takeaway industry, running for two hours, 50 yuan was in hand. After riding for 2 months, because my knees really couldn't stand it, I replaced the mountain bike with the takeaway brother's standard "009" battery car. Now in my fourth year, I scrapped 5 or 6 cars.
I have tried to deliver a day's takeaway in a 35 ° high temperature, tried to buy the takeaway after the customer refused to accept it, and ate it myself, because of several safety accidents in the early and evening peaks... Every morning, I was "poorly woken up" at 4 o'clock, got up at 5 o'clock to deliver takeaways, and went to work at 9 o'clock. Leave work at 6 p.m. and deliver food from 7 p.m. to 9 p.m. This life lasted for 3 years.
△ Kao's "Introductory Mountain Bike".
Because of the obsession with "making money", I, a boy, learned to keep accounts and changed my clothes to the same color, so that I did not need to consider the problem of collocation, which greatly reduced materialism. I haven't bought a new outfit in 3 years. After these efforts, we have now paid off 14W of debt and deposited 5W.
△ Left: All the clothes in Jiaxiong's classmate's wardrobe. Right: Jiaxiong students limit their spending to less than 20 yuan per day.
I also try to do self-media, recording my own stories and posting them on the platform. The other day, I got my first taste of a single video breaking through a million views. Now that I've paid off my debt, I'm going to try to save up again and try to change careers.
At the age of 24, because of my own debt, and my peers began to go to the life of having a car and a house, I also fell into age anxiety. But it is also because this experience has made me firmly believe that only by controlling myself, achieving true self-discipline, and taking the first step bravely, there will be no difficulties in the future.
#03
@ Grape Couple 90s Coordinates Guangzhou are technicians
A total debt of 40w+
I never thought I'd be associated with the term "in debt." My husband and I are both mechanical and electrical technicians, he is very diligent, in addition to my main business, I also work part-time as a purchaser. In 2015, we opened an internet celebrity snack bar together. Usually do not impulsive consumption, can even be said to be very frugal.
After having a baby, the expenses became larger, and I quit my job, plus the mortgage, and gradually increased some debts. In October 2019, I carefully made an electronic file of income and expenditure, only to find that the amount of arrears was so huge, of which 10w came from loans (the funds of online loan platforms and credit cards were reversed).
The major change occurred in 2020. When the epidemic came, the restaurant was shut down for more than half a year and directly closed the store, losing nearly 20W. A total of 40W of debt, I was thinking at the time: even if it is a monthly income of 5w, you have to eat or drink for 8-9 months to completely pay off. Not to mention such a beautiful thing.
△ @ Grapes to make an electronic file of income and expenditure, the above is the part of the arrears.
After taking on a huge debt, I began to learn to keep accounts. During that time, I was in charge of dealing with debt, and he was responsible for making money and trying to repay loans close to 2W per month. Before that, I hadn't pursued anything. Debt became my incentive. Working during the day and running the side business of purchasing at night, for the first time in his life, he was so eager for "money".
I have a more positive mentality, I can't die, I have to work hard. You can't always leave all the debts to your parents and children. For me, what pains me the most is the thought of "no money for dinner tomorrow." But as long as the goods purchased on behalf of the sale, a few days of food money will be available. There are still children at home, and the meal still has to be served. No money? Then try to make money.
The most painful thing is that the loan is not enough for the month, and dozens of collection calls can be received in a day. I consulted a friend who specializes in microloans, and constantly read the legal copy and learned about negotiation skills. At the beginning of this year, I negotiated all the debts and agreed with the platform that I only needed to pay 6-7k per month. It's been cleaned up more than halfway now.
△ @Grapes Re-signed the agreement after negotiating with the bank.
Nowadays, there is no pressure, and it is basically "ashore". Maybe it won't be long before I consider confessing to my parents. Although it was just a small episode of my life, I also learned a lot. At least in the future, risk estimates will be made before starting a business.
△ @ Grape Open post teaches everyone how to actively face the debt and how to negotiate with the platform.
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Money anxiety is becoming more common. In the Internet age, there are many ways to make money, but there are also many traps that make you "bear huge debts". Douban "Debtors Alliance Group" will have new posts every day. There are many people in it who suffer and struggle, but also help and salvation.
When you survive all this, you will find that you have crossed another steep slope of life. But as @Grape has to say every time while teaching the indebted young people to actively negotiate, "This kind of thing, there is still no next time." ”
There are many young people who owe money, and such cases are endless. But we all need to understand the nature of consumption and strive to find a real "value" embodiment.
Article source: City Pictorial