Life is not only about the present, but also about poetry and far away. Whether in life or on the road, everywhere you can find places to spend money, and in all kinds of temptations, when you can't control your desire to consume, reason will be defeated and you will fall into the abyss of advanced consumption.
In the textbooks during middle school, it is said that it is necessary to live within the limits, rational consumption, and advanced consumption must also consider whether their own economic situation can withstand it, and blind obedience and impulsive consumption are even more undesirable. But after the desire to consume is hooked, not everyone can suppress their impulses, and when the impulse to consume meets the credit card limit that can be lent, it will invisibly burden themselves with huge economic pressure.
(Involving privacy, the names of the parties are pseudonyms, and some of the pictures are from the Internet, only to cooperate with the narrative)
Ms. Wu used to work in a state-owned enterprise and had a history of marriage, but after giving birth to her daughter Xiao Chen, she divorced her husband and lived alone with her daughter. Subsequently, she took her daughter to Zhuhai to live, and with the help of relatives and friends, she purchased a property in a community in the west district of Zhuhai for the mother and daughter to live.
After graduating from secondary school, her daughter came to work in a law firm, where she worked as a paralegal with a monthly salary of 3,000 yuan. In this law firm, her colleagues have the impression that she is optimistic, cheerful, easy-going, has a good relationship with colleagues, and actively participates in various activities organized by the unit.
Xiao Chen once had a love that lasted for 4 years, but in the end he failed to stick to it, and he did not fall in love again after breaking up with his boyfriend. In the eyes of outsiders, there is a stable job and a fixed residence, in addition to the lack of a partner with a low salary, the optimistic and cheerful Xiao Chen seems to have no trouble, and his life is still satisfactory.
But in the face of a variety of clothes, shoes and bags on the display cases in the mall, as a young woman, she will also be aroused by these items to consume. In 2010, she applied for her first credit card, the amount of application was more than 30,000 yuan, and then Xiao Chen began her own spending journey.
After repeated consumption, she also successively applied for 14 credit cards, and the cumulative limit of all credit cards reached more than 770,000 yuan. The pleasure of consumption will eventually appear in the form of bills, and after repeated consumption, she will slowly pay back the amount on her credit card with only 3,000 yuan per month.
In the nine years after she had a credit card, she used another credit card to make up for the arrears of the previous credit card, and after repeated operations of demolishing the east wall to make up for the west wall, when Xiao Chen was 27 years old, she owed a huge debt of more than 870,000 yuan. The quota was used up, but her salary could not pay off so much debt, so she received calls and text messages to collect debts.
Xiao Chen was originally a girl who loved life, and she also had the idea of losing weight with a slightly fat body, so she used her credit card to buy a bicycle worth more than three thousand yuan. She has also bought a lot of cosmetics and shoes from Macao and other places over the years, although the price of each item is not very high, but when these items are all added up, it is no longer so simple.
In early May 2019, Ms. Wu was returning to her hometown in Sichuan to run errands, but half a month later, she received a call from the police station, in which the police told Ms. Wu that her daughter Chen had committed suicide by burning charcoal in her home. After Wu returned home in a furious manner, he did not find his daughter, in fact, neither Ms. Wu as a mother nor Xiao Chen's colleagues could accept this fact, and before the incident, they all noticed that Xiao Chen had an abnormal performance.
The report was Chen's boss, the day before the report, that is, on May 27, Xiao Chen did not come to work all day, nor did he ask him for leave, which is very inconsistent with Xiao Chen's life rules, after not contacting people, he reported the case to the police. The next day, the police who received the report found her body in Xiao Chen's home, as well as three charcoal basins, and after investigating the scene, the police ruled out the possibility of his killing.
When investigating Xiao Chen's information before her death, the police found that she often traveled to and from Macau, and when sorting out the relics, they found 14 credit cards she handled, and after investigating and understanding the banks, restored Xiao Chen's consumption records. When in Macau, Xiao Chen did not participate in gambling, but went to shopping malls and other places to buy cosmetics and other goods, and there was an unopened handbag worth about 2,000 yuan among the relics. According to the bank flow, in addition to the loan owed by Xiao Chen for consumption, the remaining part is used to repay the cost of bill installments.
Frequent expenditure, demolition of the east wall to make up for the west wall, overdraft is not only the balance on the credit card, but also their own life. Xiao Chen's salary of 3,000 yuan per month can have a limit beyond his spending power, and the relevant bank explained that because Xiao Chen's mother put the mother and daughter's house under his name, Xiao Chen's evaluation was raised during the property appraisal. And for the huge debt that Xiao Chen owes, should his mother repay it?
According to the provisions of the Civil Code, the heirs shall pay the taxes and debts that the heirs should pay according to law to the extent of the actual value of the estate they have received. The portion exceeding the actual value of the estate shall not be paid back voluntarily by the heirs. Where the heir abandons the inheritance, he may not be liable for the taxes and debts that the heirs should pay in accordance with law.
At the same time, the Civil Code also stipulates that the blood relationship between children and parents will not be dissolved by divorce.
After Xiao Chen's death, because he had no marriage or children, and his parents were alive, the heirs belonged to Xiao Chen's parents, and Xiao Chen's inheritance and debts could be inherited by his parents. If Xiao Chen's parents choose not to inherit the child's inheritance, then the debt will be repaid by the deceased's property. If you choose to inherit your child's estate, you will repay the debt to a limited extent according to the specific value of the estate.
After Xiao Chen's death, his parents and colleagues received debt collection calls, and two of them, who had less debts, said that they did not have to repay the remaining part after learning about Xiao Chen's death.
Even if the goods outside are well advertised, they cannot be obtained for free, and for adults, they must have the ability to resist the temptations of the outside world and consume moderately when they know their economic level. At the same time, in the process of educating children, it is also necessary for children to establish a correct view of money and consumption, and to consume rationally.