The night outside the window was still neon, but Pei Xiaofeng could only stay in the cold cell.
He thought that he might suffer a more difficult life if he entered the prison cell, but he didn't expect that the cold cell made him feel relieved and feel relieved.
It turns out that you don't have to face bomber-like collection every day, life is really so easy!
Ordinary people don't want to live an ordinary life
Pei Xiaofeng was born into a family of ordinary workers. After graduating from university, he worked a lot of jobs, but his longest job was as a salesperson for a car sales company.
The salary of sales is very irregular, it may be tens of thousands this month, and it may only be a few thousand next month.
If Pei Xiaofeng understood that the income from sales was not fixed and he lived within his means, maybe there would not be any accidents in his fate, but he had a high income, and he spent money lavishly, recharging famous brand clothes, sneakers, and large sums of games...... All kinds of high consumption quickly made him unable to make ends meet.
At this time, he changes his consumption habits and will not be in trouble.
He didn't, in order to save his face and maintain his decency, he didn't want his friends and colleagues to look down on him.
He started swiping his credit card, but in addition to the credit card limit, he also needed to repay it every month.
Soon, he found that he couldn't pay off his credit card, so he had to take out a loan to support the loan, and borrow an online loan to "tear down the east wall and make up the west wall" to repay the credit card, and maintain the life he wanted to live by the way.
At this time, Pei Xiaofeng's job changed, leaving the car sales company and working as an auxiliary tax officer at the tax window of the Yibin Municipal Government Service and Non-public Economic Development Bureau.
This job is very decent, and it also makes Pei Xiaofeng realize that he must make changes in order for himself to live a truly decent life, that is, reduce consumption, stop loans, work hard, and gradually get out of the quagmire of online loans, everything seems to be developing in a good direction.
With a wrong view of marriage, he fell into the quagmire again
As time goes on, the arrears are decreasing little by little.
Just when Pei Xiaofeng felt that his arrears would soon be cleared, he felt that he should get married and start a family, and in reality, those girls' requirements were all for a house and a car.
Pei Xiaofeng thought that he didn't have a car, how could he attract the right girl?
He decided to buy a car to increase his charm, but his current financial strength did not allow him to buy a car.
Considering the economic situation, Pei Xiaofeng did not give up this idea, but borrowed 100,000 yuan from the online loan platform again, and then asked his mother for some money to buy a car.
Unfortunately, he forgot that although his job was decent, the salary was not high, and it was not enough to maintain the life he wanted.
He repaid his online loan every month, but he couldn't maintain his basic life, and soon, he lived a life of "supporting loans with loans".
This time, Pei Xiaofeng couldn't stop if he wanted to, so he could only keep taking out loans, even if the regular platform no longer lent to him, he didn't think about stopping, but continued to borrow from some informal small platforms or "routine loans" to maintain his life and repay the previous loan. In just one year, Pei Xiaofeng needs 25,000 yuan per month to repay the loan, which is far more than his income, and the huge debt pressure is overwhelming.
The vanity of face led him completely into the abyss
If Pei Xiaofeng sold the car at this time, and then confessed to his family, he would be able to get out of the quagmire of online loans, but he didn't want people to look down on him, he didn't want to go back to the days of not having a car again, and he didn't want his family to talk about him.
It's just that the debt pressure is like a mountain, and he is about to suffocate.
He thought of a way, saying that he had caused a loss to the unit because of a work mistake and needed to make up for this loss, so he cheated 150,000 yuan from his mother to repay part of the online loan.
The remaining loans are still snowballing, getting bigger and more stressful.
Pei Xiaofeng still didn't lose his face, and wanted to continue to maintain his current life, his family couldn't give him more help, and he could only take out a loan from the online loan platform again in desperation, at most. He actually borrowed from more than 70 online loan platforms at the same time, and the monthly repayment amount alone exceeded 35,000.
With such a high repayment amount, Pei Xiaofeng's salary could not be repaid at all, so he had to choose the last way - overdue.
Online lending platforms are not charities, and their methods of dealing with overdue are varied, including phone bombardment, explosive address books, verbal threats, and malicious harassment......
The endless collection methods soon made Pei Xiaofeng's spirit collapse, and he also lost the last bit of reason, and stretched out his hand to the taxes that could come in and out in front of his eyes.
After Pei Xiaofeng succeeded in withholding taxes from a client for the first time, he was nervous and afraid of being discovered.
As a result, after a period of time, no one found out that he had withheld the customer's taxes, and then thought that by doing this, he could not only repay the online loan, not be violently collected, but also be able to continue to live the life he wanted.
He grew bolder and reached out more and more.
As the saying goes: "If you often walk by the river, how can you not get your shoes wet." ”
In the end, Pei Xiaofeng was still discovered, and it was also found that during his tenure as an auxiliary tax officer of the tax window of the Yibin Municipal Affairs Service and the Non-public Economic Development Bureau, he took advantage of his position to adopt methods such as falsely applying individual income tax, value-added tax, and deed tax reduction and exemption policies, and making false "tax payment certificates" to embezzle a total of more than 620,000 yuan in taxes on 32 properties that should have been collected.
A broken bubble, a ruined life
Pei Xiaofeng paid the due price for his vanity and his face, and was punished by the law, but when he entered the prison cell, he was no longer afraid or panicked, but was relieved and felt relaxed, and finally no longer lived a life as scared as before, nor did he have to face the endless violent collection of online loan platforms every day, so he could live a peaceful and down-to-earth life for a while.
In reality, there are many people who have advanced consumption habits, even the author himself has such habits, but advanced consumption is really a terrible consumption concept.
If your income is a predictable fixed income, that's fine, but if your income is an unforeseeable irregular income, it's terrible and you're likely to end up in debt.
In fact, it's not terrible to be in debt, just work hard to make money to pay off debts, but don't touch this thing with online loans.
There is a good saying: "Once you enter the online loan, it is as deep as the sea", and the online loan platform itself tells all lenders that it only helps you get through the occasion, not for you to spend online.
Therefore, everyone should not go to the online loan consumption, it is best not to touch the online loan, as for the consumption habits, this change, we must live within our means, do not consume ahead of time, otherwise the next person who ruins their good life is you!