Investing usually reflects our understanding of life and our true desire for ourselves.
What is invested in it is money, faith, and inexhaustible motivation for life. But profit and loss are always accompanied, and this is also life.
In this collection of annual investment bills, we see a wide variety of profit or loss stories. Some are only a few words, but you can feel the mixed emotions.
In the past year, the stock market and the digital currency market have fluctuated, which is directly reflected in the numbers of accounts. The property market is first hot and then cold, and gradually returns to calm. Some people are favored by the god of luck, or they are just a little lazy and conservative, and they don't invest much, but they exceed 98% of investors. Some people also believe that for ordinary people, the biggest profit may be a stable life.
The confusion after the loss also exists. However, when I read this article, we want to give you comfort. You will also know that no one is alone in losing money. Those lucky stories also give us hope.
The New Year is here, the bills are refreshed, and I wish us all the lucky investors.
Text | Weekly take
Edit | Chu Ming
Operational | Tian Bao
The "faith" of buying a house and earning is shaken
"I didn't expect to buy a house, and in the end the house didn't belong to me, I paid seven or eight hundred thousand more, and now I have 300,000 debts."
@Mr. Wang
In 2017, I bought a house in Yanjiao, two years later I could not pay the mortgage, the supply was cut off, the house was auctioned by the bank at the end of 2020, and from 2021 to now, I have been paying off the debt.
I am a native of Sanhe, Hebei Province, in 2017 I had some savings in my hands, considering buying a house, an agent took me to see the house, said zero down payment to buy, you can also help me borrow money from the bank. Because my credit card has been overdue two or three times before, the bank does not borrow, but then the intermediary helped, the bank approved the payment, the house is less than 90 square meters, the total price is 1.81 million yuan, I borrowed 1.26 million yuan, and paid more than 7,000 yuan per month for the mortgage. Later, I thought that the homeowners and intermediaries at that time rarely encountered locals, and they were very anxious to get a shot, and at that time, the policy of Yanjiao was that foreigners had to pay 3 years of social security to buy a house.
Buy a house that is very happy, look at five or six sets, that set is the most appropriate, decoration is very high-end, do not need to renovate themselves, from the school, children's hospital are relatively close, and to the subway Yanjiao station less than 800 meters.
At that time, I was very confident, my family opened a food store, my wife also opened a cosmetics store, and I had other jobs. I don't think the pressure on the monthly payment is particularly great.
But in 2019, the money I did for the project was misappropriated, and I had to borrow usurious loans, and then I encountered the epidemic, and the two stores had no business and closed their doors. In this way, the loss is too much, and suddenly a lot of income sources are lost.
The three children in the family are also older, and at that time, my wife and I worked in Inner Mongolia, and we always quarreled because of the house. When she first decided to buy a house, she wanted to buy it in her hometown, because it was cheap, six or seven thousand square meters, and then I wanted to buy it in Yanjiao, thinking that the subway was open, the house would appreciate, and it was close to Beijing, and she didn't worry about selling it. But then there was no money, I couldn't pay the monthly payment, and I saw that the house didn't belong to us, but I never thought of borrowing money to make up for the hole, because the pressure was too great, so big that I didn't know what to do. At that time, I asked the agent to help sell the house, but I never sold it. Later, after more than a year of supply cuts, the bank auctioned it.
The first time I shot it, the second time I shot it, it dropped the house price by 30%, and I came back for a trip because the bank sued me, and I had to pay 80,000 yuan when I looked at the lawsuit fee, the lawyer's fee, and the house evaluation money. Shoot it, it's already something I can't control, and I still owe money to the bank after the auction.
Later, I was restricted to high altitude, I could not take the high-speed rail and plane, at that time in Inner Mongolia with the boss to drive, the boss to go to other places, I can not go, the income will be reduced. I heard that driving a car for more than ten hours a day can earn seven or eight hundred yuan, and if you plan the cost, you can have four or five hundred. In May 2021, I came to Beijing to drive an online car, the first two or three months, running fourteen or five hours a day, I did have this money, but I couldn't keep it like this, too tired, and then I ran for twelve or three hours, and I went home to accompany my children in the few days of the limit number.
Before the pressure, now I am used to it, how to live is a day. After last year's efforts, the accounts and credit cards were paid first, and the debt was reduced by more than 40,000. I am 38 years old, three children are older, two are in junior high school, and my parents are in their 60s, getting older day by day.
This is the first house I bought and I don't know there are so many pitfalls in buying a house. I didn't expect to buy a house, and finally the house didn't belong to me, I paid seven or eight hundred thousand more, and now I have 300,000 debts.
▲ Photo / "Princess Cabin"
@Yoo Tai-jin
The house bought in Tokyo, Japan, fell, the tenant also left, and then repaired and re-rented, the maintenance fee is still huge, which is equivalent to half a year's rent. A lot less money! But there is no way to lose, I can only rent out as soon as possible without losing more, and I have added an extra month's rent to the agent in Tokyo, but so far it feels not very smooth. I violently launched some side jobs, three jobs at the same time, I couldn't save money, I could only open source.
@Mr. Chen
My husband and I bought a property in Tianhe District, Guangzhou at the end of August 2020, when the average price of the community was 60,000 yuan per square meter, and by June 2021, it had risen to an average price of 90,000 yuan, and our house had risen by about 3 million yuan in less than half a year. We sold our house in Shenzhen just in time for shenzhen's strict real estate policy, and then completed the transaction of the house in Guangzhou before the loan tightened, and the interest rate at that time was OK. Although Guangzhou later introduced the real estate transaction guidance price, the house price fell, but we are self-occupied, in fact, it does not matter.
Our other investment didn't go well. Two and a half years ago, we opened a small homestay in Liwan, the business before the epidemic was good, but the good situation was only half a year, and the epidemic in the next two years was repeated, especially the epidemic in Guangzhou in 2021, which brought a major blow. It was really unsustainable, and we could only end the homestay on New Year's Day this year.
Now we are discussing every month whether we can afford to pay off the mortgage, pay the rent and pay for the renovation. We worked hard all year, and the money we earned was basically used to pay off the mortgage, and we lived very economically.
Entrepreneurship is struggling
"I mortgaged my house, sold my car, and eased up a bit."
@ Large volume
After 7 years of entrepreneurship, there are too many stories, and finally there is an ending in 2021. The past year has lost money, trust, or energy, and has been beaten back to its original form.
Two or three years ago, when we did our best, many media reported on us, and the Taobao Maker Festival invited two Sichuan brands, including us. Performance has improved by leaps and bounds, but supply chain, finance, and management problems have erupted.
In April this year, I separated from my partners, the core employees were also poached, and the company still had more than 4 million yuan in debt. This brand was founded by me, like a child, I was reluctant to consult a lawyer, objectively analyze the current situation, but more impulsively accepted the debt.
I mortgaged my house, sold my car, eased up a bit, and was still full of hope and longing.
Every day by subway, bus commuting, in addition to eating at the company at noon, the other is to buy vegetables to do at home. Socialize as little as possible, and every penny spent is counted. Credit cards are also poured in and swiped out to maintain life. I am 34 years old this year, I was going to get married, and I didn't dare to get married, for fear of tiring my girlfriend. She was very supportive, decompressing me and communicating with me.
I laid off half of my staff, adjusted my business structure, improved my supply chain and quality, and spent 24 hours a day at work. The first two days were their own car rental in Chengdu delivery, the day before yesterday to 2 a.m., but also want to earn more money.
Every day there are suppliers to urge settlement, I actively reply, earn a part of it to pay back a little, as far as possible not to add trouble to them.
I have also tried live broadcasting before, because of the popularity of our brand, the company's resources are good, and many head anchors are also willing to broadcast. We signed a contract with a head anchor at that time, signed the year frame, and arranged two shows at that time, but temporarily said that if we didn't broadcast it, we wouldn't broadcast it, and when the first blow was especially for us at that time, it was a bit like a fatal blow. I trusted them so much, and my suppliers trusted me, and they stockpiled me with six or seven hundred thousand. There is no way, only a variety of ways to sell goods. Later, I found Luo Yonghao, who was very good and helped sell these goods, but also lost fifty or sixty thousand.
Fortunately, the size and profits of enterprises are going up, and some high-quality channels have also been opened. My goal is to pay off my debt this year.
This Spring Festival, I Chinese New Year's Eve go back to my hometown to have a meal with my family that day, and then go back to Chengdu after eating. Taking advantage of the quiet of Chengdu these days, I can also be quiet at home and think about the work plan for the next year.
It's really stressful, I lose a lot of hair, and I think a lot every day because I think debt does bring trouble to others. When I'm stressed, I go for a blind massage or listen to a song at home to make myself less nervous. Recently, I like to listen to Eason Chan's "People Coming and Going" and let myself accept everything calmly. After all, we have 7 years of accumulation, and I am also optimistic about this market. Think about this society, who is smooth sailing?
▲ Photo / "Ordinary Glory"
@ Little Wuzi Teacher
I did a children's training class, and after the double reduction policy came out, I couldn't make ends meet. After making a profit, I planned to open another training institution, but after renting a house and halfway through the renovation, I could not apply for a permit. Even the previous one was cancelled because of the capital chain problem.
@Yonadium Wang
Invested 2 million yuan, opened a halogen products dust-free workshop, a halogen products chain store. Zhengzhou "720" heavy rain, repeated epidemics, particles no harvest. There is no big impact, and I can see things outside my body. After the heavy rain, our workshop provided free meals for flood control and anti-epidemic personnel, and also donated materials, which is a small contribution.
@Xiaobai
I went to work, my husband ran a seafood restaurant, the family gave a part of the start-up capital, and then I found a way to borrow money to support the business in the store. But 2021 is really bleak, I and the elderly in the family have been sick for surgery, ready to transfer stores back to our hometown.
In two years, our lives went from having only two credit cards to 600,000 in debt. The monthly salary has to be repaid as soon as possible, but most of the loans are overdue, learning to negotiate with the collection company. When the turnover is not open, I will also find friends around to borrow money, and then find that everyone's life is difficult to say... In short, now is the time to work hard to repay the debt.
@Peter Pan
Is the compensation received by the reckoning a profit? Embarrassed, to work in the new company for half a year, I thought I could work stably, because I was over 35 years old, it was not easy to find a job in a small place, but I did not expect to usher in layoffs in a short period of time. Thankfully, it has given a good compensation, and it is also a profit this year. After the layoffs, after getting compensation, I played like crazy for a month, perhaps to numb myself
The past year has experienced ups and downs
"It plummeted 95 percent in one year. Buying stocks and falling like this, I think it is also a miracle. ”
@ Mystery Writer Zijin Chen
For the first time in recent years, more than 50 positions (stocks) were all green, and none of them were red... Fingers lingered on the funds transfer button for a long time, and finally gave up.
@Xiao Wang
Stock hit the new is a very happy thing, I hit Kuaishou, very exciting, the day Kuaishou stock price rose to 193%, as of the close, Kuaishou stock price at 300 Hong Kong dollars per share, compared with the issue price of 115 Hong Kong dollars, up 160%, the total market value of 1.23 trillion Hong Kong dollars. I felt like i was a god, and everyone praised me for buying the right thing.
I also recommended it to my friends and leaders, urging them to buy it, and I said that Kuaishou must be more than that. When it reached HK$300, it doubled, I didn't sell, I was confident it would go up again. Later this was a sad story, after half a year, the fast hand fell and broke the hair, but at that time Tencent was also falling, I think that was the situation, and the stock god has nothing to do with it, but then fell all the way, fell to more than seventy Hong Kong dollars, directly cut off. Later, I understood that the original "Su Hua has no new story", and later, he did "retire".
I also successfully played a new Didi, and that night I came out with a policy and broke my hair. Playing new was originally a very happy thing, but after Didi hit it, it was quite miserable, it felt very unfortunate, just to tell my story, I took a look, and it has fallen from $14 to $3.90 in the new price.
I always thought that the stock market could accommodate a lot of imagination, but this year, I didn't have much imagination.
But fortunately, after all, I made money in Bitcoin. 3 bitcoins, made 70,000 or 80,000 US dollars. I speculated before, many times will be greedy, think it will be better after holding, but for bitcoin I dare not do this, sometimes too busy, forgot to look, 3 days past to open a glance, fell 10,000 pieces, blood pressure will go up, scared a cold sweat. It was particularly undulating, in mid-April and November, there were two waves of more than 65,000, and for several days before and after that I was fighting greedily, and finally I was persuaded by "I have not made a lot of money in this life, I have to stop at the right time". Fortunately, after selling it, Bitcoin fell.
@Prince Jian
The ups and downs of digital currencies, in the past year, I have experienced.
Last April, I made $2 million in two days. After earning this money, I sent tens of thousands of red envelopes to my mother, went downstairs to 711 to buy a 7 yuan drink to celebrate, and helped the family pay off all the debts. In fact, I don't get too much excited about the material aspect.
In the past few years of entering the digital currency market, the biggest impact has been the enhancement of the ability to accept risks, and there is no emotional fluctuation at all to see the rise and fall of equity funds. After all, digital currency can rise and fall by tens of millions in a day, and it also allows me to be free to wealth in stages and no longer worry about life and work.
I tweeted early last year about a friend of mine. He is a ph.D. in computer science, and co-founded an artificial intelligence investment advisory platform with others, and made a lot of bitcoins doing quantitative trading during that time. Because it has risen so fiercely, it has been 194,000 pieces. His careful liver could not stand it at all, and he was hospitalized for several days with sudden high blood pressure. Lao Luo saw that I still paid attention to this Weibo, he was my idol before, and I also took a screenshot to commemorate it.
In April last year, many of my friends made more than 1 million. But by mid-May, because of policy reasons, the entire industry was pessimistic and fell sharply, and now it has fallen more than seven or eight times. I shared screenshots of my disks, as well as how much I made and lost on social platforms, and gained 100,000 followers. During that time, I lost 1.8 million, and fans called me "total loss".
The process of losing money did not feel good, and then it was very depressed when it could not rise. Usually I play games, watch anime, and sleep. Mainly because I play for a long time, I have a relatively high acceptance of these ups and downs.
▲ Photo / Naoki Hanzawa
@Mr. Dong
Last year, when I lost the most money, the broker also called me, because he saw that the funds in my account fell sharply, and felt that this was very abnormal, so the customer service called to confirm with me and asked if this operation was operated by himself. I said yes, I lost it myself, no problem.
It plummeted 95% in one year, and now I have lost 1.9 million and have 100,000 left. Buying stocks and falling like this, I think it is also a miracle.
I re-positioned the education stock. The year before, I bought Bilibili and electric cars, made 5 times the money, I was more confident, thinking that the next outlet is in the education industry, because I am also working in the education industry, and I have some understanding of this piece.
I was very optimistic about the stock of "education together", although it was not a giant, but I was optimistic about the development of this company, heavy position buying, but constantly falling, I continued to make up positions, thinking that I had great confidence in the industry and the team, the deeper the set, the leverage doubled, doubled, the more losses.
Starting in January 2021, in fact, it continued to fall, and by July, the double reduction policy came out, which was only half of the beginning of the year, and I thought that the waist cut should be almost the same, but I did not expect that there were several waist cuts in the later period, and then every month was a new low. It was probably at the end of the year that I sold completely, and by this time the stock price had fallen to more than ninety percent.
In addition to heavy education stocks, I also bought millet, because I think xiaomi company is more stable and promising, but unfortunately, in this year, millet's market value has also fallen by half, and its waist has been cut.
My education industry has been greatly affected, and fortunately I am not unemployed.
So much money is not a day's loss, one after another, and in the end I am at a loss. Losing this money in your 30s, perhaps wealth. There is no impact on life, but there is a change in mentality, and I will remind myself to consider the soundness of investment in the future. Of course, there are also many temptations, such as the recently very popular meta-universe, coin circle, NFT, and there are many people around who have made quick money, but I am still cautious about this.
My biggest change this year is the change in the way happiness is judged. Before I thought, oh, getting rich is very cattle, very happy, and then I thought about it, getting rich is far less happy than slowly getting rich, and even think that getting rich is a danger.
I was rich the year before, and I was full of spirits at that time, but last year was a year when my confidence suffered a huge blow, and I also knew more about my ability and the world, fully understood what the risk was, or I had to try to grasp what I could grasp and do something with greater certainty.
@Lanlan
At the end of 2020, a vigorous fund journey began, thinking that multiple stocks together can share the risk, and as long as they are optimistic about market development, long-term holding will always be profitable, and several of the funds in the past have performed well. As a result, hey, put 100,000 yuan, at the end of the year a look at the income of 800 yuan. A little numb.
Who would have thought that the most profitable thing would be the balance treasure? Balance treasure generally only puts transitional deposits, other I will buy financial management or bonds, if I just happen to see a good fund will buy funds. However, at the end of the year, the income of the balance treasure is still high. Speechless.
@Barak
The stock lost a small ten thousand. Mainly followed my dad, an old investor, and every time he recommended to me, the stock was basically at the highest point, rising a few points and then falling by 20 points. Three times, basically. Now learned, he recommended the stock, first observe, fall 20 points before buying.
@Three years old
By luck, last year I accidentally learned about shipping and bought shares in the shipping company out of a yearning for the ocean. I have never invested in stocks before, I am ignorant to enter the market, but Caught up with the favorable market of shipping last year, half a year experienced a peak of 3 times, but half a year later also ushered in the waist cut, and finally although it is also profitable, but the profit is the most time left one-sixth. But I've been lucky, after all, I didn't lose money except to spit out profits.
@Sisyphus White Busy Lee
Invest in yourself, work hard, and get your year-end bonus. Buy the fund at a high point and lose the year-end bonus.
Hand over a little tuition to life
"I used to think it wouldn't happen to me, but I planted it anyway."
@Carol
I was scammed by telecoms for 110,000.
At that time, because the epidemic was isolated, I was anxious to do something, so I found a part-time job on the Internet, not the kind of brushing, saying that it was a form of writing, which seemed to be more reliable.
Added the other party's QQ, he asked me to buy an electronic product first, and strictly follow his process, just deal with an order, will not really pay, but in fact my money spent almost 2000 yuan. He added that it was an operational error and added another customer service to help me get the money back. I added another customer service QQ number, and then the other party kept asking me to transfer the money here and there. In two hours, I was stripped of almost 100,000 yuan and temporarily opened two lending software.
Only then did I realize I had been deceived.
▲ Photo / "Great Women Are Fengshun"
Think back, at the beginning of that order, in fact, can be returned, if you do not go to add customer service, there is no back thing at all, but after 2,000 yuan to pay, the whole person's ideas, state is very different from usual.
Later, I saw a lot of anti-fraud propaganda, and I felt very uncomfortable in my heart, a lot of propaganda said that you should not be greedy, do not chat naked, do not brush orders, once felt that such things would not happen to themselves, but I still planted it.
I've seen surveys that say a lot of people who are scammed by telecoms are post-90s, young people. To be honest, I am not at all surprised by the fact that young people have been deceived, and I feel too empathetic.
@Orange
Last year, I invested in a hip-hop studio, and the three of us invested a total of 300,000 yuan. One of the partners said that he was from the Singapore Chamber of Commerce, had a clothing brand, had opened a hip-hop shop before, and people in the hip-hop circle also knew him and felt quite reliable. But unexpectedly, the studio opened for a few months, and this person disappeared and ran away with the money.
That changed me so much. I no longer dare to invest easily, and partner with friends to do the back adjustment first. I even started learning how to look at a person and tell which sentence was true. I'm still learning numerology, fortune telling, to see what kind of person the other person is, and then say something else.
@Daming
Friends of the family, are selling insurance, and we have more contacts, can not say that it is impossible to erase the face or want to make money greed, in 2019 when I bought an investment insurance, similar to the universal account. Of course, if the money invested is withdrawn in the middle of the way is a heavy loss, originally paid annually, and then changed to a monthly payment, but after a long struggle or decided to return, the cost of return is about 45%, just buy a lesson, that is, the tuition is quite expensive. Don't touch what you don't understand. Also, silver is more important than face.
On the emotional side, I'm profitable
"For just need, the only profit is a stable life."
@ky
The fund lost to dare not watch, or talk about CDs and vinyl records to be happy. In 2021, I have a collection of about 40 albums of my favorite bands, and when I have time, I will take them off the shelf, carefully examine them one by one, wipe them, and play them again, and I am already very happy to watch them. Music really has magical powers, and no matter what happens, it will always be there and soothe people's hearts.
@Flash
In addition to the fund that lost money, the most valuable investment last year was probably to get a dance card. After dancing, my fragile stomach has become strong, and I have not dared to drink cold water for more than twenty years in the summer, and I will not feel uncomfortable drinking ice kolo (ice cola) in winter. Although there was little change in weight after dancing, the fat became less, and even had the shape of biceps. I learned to live scientifically and healthily, no longer use weight and other figures to quantify my figure, health is the most important.
@MinJun
Stocks are all losses, what stories can be, all sad stories, not worth mentioning. If raising a baby is an investment, then I only had a profit last year.
Wa is currently 2 years old, and feels that his brain is smarter than children of the same age, his language ability is extraordinary, not only speaking earlier than children of the same age, but also learning faster, speaking accurately, and imitating very similarly. Now I have basically communicated with adults, and I have learned countless children's songs, singing to my mother before going to bed at night, and I am now full of children's songs that he sang to me the night before.
In a family like ours that does not have the ability to chicken, the child's self-learning and strong imitation ability is a great comfort for parents. All parents can do is let go and let him grow freely.
When I was born, I also had a long period of painful time wondering if having a baby was the right choice. Growing up with him day by day, I feel that in terms of emotions, I am profitable.
@Van Wah
The year before, because of the problem of house purchase indicators, I bought a house before getting married, because I liked the house too much and borrowed a down payment of 1 million. By the end of 2021, the valuation of the house has risen by more than 2 million from when it was bought. The book earned more than 2 million, but for just need, the only profit is a stable life. And behind all this, it all comes from the partner who makes you desperate and willing to share the happiness and suffering with you. The power of love is infinite.
Successfully bought a house and got married, had children, and the rest is to work hard to earn money and pay off debts. We have a book that records debts, and the goal is to cross out the debts within 3 years. Considerable results have now been made. This process is not too hard, but let us experience the joy of creating life. The original tight days can also be regarded as a comfortable and prosperous life.
@Gold Lord Daddy
The stock did not rise back for half a year, but buy flowers to make yourself in a good mood, is this not profitable?
▲ Photo / Visual China
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