#失业了又负债, what should I do if I have no direction#
A lot of people have lost their jobs this year.
Ali and JD.com are laying off employees, so how can other companies escape?
Debt doesn't seem terrible, it's the debts that are tens or hundreds or even thousands of times the month, and it's not terrible to lose your job, but it's terrible to lose your job and you owe a lot of debt.
So, how is it good for a person to be in debt and lose his job in this situation?
First, take stock of the debt and analyze the reasons.
List the amount of your debt, creditors, when you borrowed, when you will repay it, how much you have repaid and how much you have not repaid, then fill them out, and then arrange them according to your priority.
At the same time, he also made a detailed analysis of the use and causes of these liabilities, pointed out the areas that need to be improved at present, pointed out the ideas and living habits that should be abandoned, and vigorously advocated them.
"Also, if you add up all the bills, according to your current income, add four columns, one is your current income, the second is the date of the first payment, the third is the date of the current payment (year, month, day), and finally, if you have to repay every month, then, what you need to repay, as well as your living expenses, you can reverse calculate your income. If you think it's an unreliable plan, you can either extend the repayment period or force yourself to make money, then make a list of 10 to 20 ways to increase your income, think about each one, and then implement it.
In fact, that's what I did when I went bankrupt. After completing this debt analysis and repayment plan, I called my creditor one by one and told him when he borrowed it and when he was going to repay it, but obviously, he was overdue, however, this is my current situation, after my analysis, I decided to start repaying it from a certain month and year, and I can also give it to you at a certain date in the future. Creditors, when you hear your sincere words, you can only agree, and then you can work hard to make money to pay off your debts.
Originally, I planned to earn 5,000 yuan a month, but I had to pay back 20,000 yuan a month, so I forced myself to write a book and work hard to make money, and then, in less than two years, I paid back all the money.
2. Find a job with a fixed income right away, or use your previous skills and resources to fix a fixed income. And at the same time to seek the greater good of the living.
If you don't have the money, look for a job first, but make sure you have a regular job, or stick to your main business, or use your free time to cultivate a job that you are good at and has the potential to compound interest and multiplier.
For example, if you really have no choice, you just go to Didi, and if you don't have a car, you rent a car, and you have no money and no money. You can try to be sincere, go to your relatives or friends, tell him about your current situation, and then tell him that you want to borrow a sum of money now, what you want to use it for, and then tell him that the money may not be available in the short term, but you must make sure that you must have money to spare, and don't come back to urge him when the time comes, because the other party is in a hurry, which will cause chaos and affect your work and life.
3. The choice is very important, don't fall into the quagmire because you want to wash the dust off your body.
This is an important question. The more people who want to turn the tables, the more they will take risks and even fall into deeper traps.
I still remember that I just owed a lot of debt, after more than a month of downturn, I was relatively calm, after doing all kinds of analysis, a friend happened to help me do a project, let me travel lightly, and then gradually got on the right track. Later, it caught up with a good vintage, and this turned around.
"Well, time is running out. After these twists and turns, I wish you all the best in life.
Let's work together. Come on.