83-year-old pig, more than 3 million in debt, wife separated, I thought about suicide, tried to escape, if it weren't for the fact that the old man is still alive, and the young are not yet adults, my grave grass is three feet high.
It is not an exaggeration to say that life is worse than death to describe the situation I was in eight years ago. Although it has long been out of the sea of suffering, today's success is compared to 8 years agoThe experience of ups and downs, abandonment, blindness, and being forced to a dead end, I think it's even more commendable!
I was born in a rural area, and when I was a child, my family conditions were very difficult, although I Xi studied very hard, and my grades were reasonable, and I had to get into a similar university at that time, which was not too difficult anyway.
But because of family constraints, I dropped out of school in my sophomore year of high school. One is that my family really can't make up for the tuition, and every time I make up the tuition, I obviously feel that my parents are very difficult, and every time school starts, it means that my parents have to go through a torture. The second is because I have a younger sister, and she is also very good at Xi. The burden of two people going to school is definitely greater than the pressure of one.
So, I decided to give her the opportunity.
The night I decided not to go to school, my mother's eyes were swollen with crying, and my father smoked a dry cigarette and coughed until dawn in the middle of the night. But I know they are very upset.
Because the family's hopes were disappointed
After dropping out of school, I was very sad, and although I understood my parents very well, I also resented them in my heart.
Why do other people's families have money for their children to go to school?Why?Why?
I kept asking myself, and it boiled down to one word: poor!
After my grief, I knew I was going to change all that!
The following year, I went to the county seat to look for a job, because I was young, many factories and enterprises did not want it, and finally found a company to deliver goods on a tricycle.
I was influenced by my father to work honestly from a young age. Coupled with my quick mind, I quickly gained a firm foothold in the company.
Others get off work, and I work overtime. Others rest, I work overtime;During the holidays, I am on duty in the company. I know: meThere is no background to rely on, only on your own, only to fight yourself!
From the very beginning of pedaling tricycle delivery, handling, to running business, contact with the core business, and finally to the management level.
The salary rose from 250 yuan a month to 1,000 yuan a month in two years, which was in 2002.
After years of hard work, some savings, and a very wide range of resources and customer base, that year, I decided to go out on my own.
At the beginning, I used the money I had saved to make a small fuss, but the business was quite stable. But then I gradually felt that when would such a small fight come out?The only way to quickly accumulate wealth is to expand your business.
In 2011, I took out a loan with my sister as a guarantor.
But in that year, business gradually declined, and Wang Xiaoer's New Year was not as good as a year.
Seeing that the money he earned before was about to be put into it, his business was in trouble, and his capital turnover was not good. If you continue, then you must continue to invest money to survive these two years.
I didn't discuss it with my wife, but through a friend, I got another loan to increase my investment in the business.
Since then, my debt has reached more than 4 million.
I was expecting this fund to operate well after it arrived, but for many reasons, especially the disorderly development of e-commerce, I completely lost the opportunity.
The sales performance is not as good as day by day, and I am facing more than a dozen people's salaries, office expenses, bank interest, and logistics expenses. As soon as I woke up every day, I had to think that I had an expenditure of several thousand yuan, and I didn't think about tea and dinner, and I couldn't sleep well, which was my state at that time.
At that time, if you want to stop, it's too late.
On the one hand, the outside sales are not smooth, and the payment cannot be recovered;On the one hand, it is necessary to cope with various expenses.
In August 2014, I was a complete failure, bankrupt, and unable to survive.
Employees were fired, inventories were cleared, and accounts were organized. The debt is more than 4.2 million, and the accounts receivable are about 1.8 million. Even if all of them are recovered, there will still be a debt of 2.4 million.
I was completely confused, confused, and scared.
I turned off my phone, filled up my car, and drove aimlessly. I went through all the places I had been to and had memories.
Then I went back to my hometown, I didn't enter the house, I just looked at the direction of my home from a distance, looking at my parents' rickety bodies and busy figures, and then I suddenly realized that I was making a mistake.
I slapped myself a few times, my body shuddered, and I suddenly came to my senses.
I'm ready to kill myself!That's what I thought at the time.
So much debt, how can I pay it off?How can you afford it?So, I thought about it.
But looking at the elderly parents, thinking that there are two children at home, one is three years old, and the other is not yet full moon.
It's easy to die, but when I die, I leave the pain to them, am I still human?
I asked myself over and over again.
I closed the windows and cried in the car, and I really wanted to burst out with all my strength, as if crying and everything would be solved.
After crying, my head was dizzy and my voice was hoarse. I fell asleep in the car and woke up in the early hours of the next morning.
I went home, and my wife looked for me for a day, but after I didn't find it, I ran away from home. Left two children to my mother-in-law.
I was anxious and angry, but I didn't have any hatred, I felt that in the dark, this was providence.
I drank every day, I got myself drunk, I didn't want to wake up, when I woke up, I was in debt, I failed, my wife was separated, it all occupied my head, and when I thought about these things, my head was going to explode.
Without washing my face, cutting my hair, or shaving, I really felt like a dead man. It's just that the body is not dead yet.
In this way, I was depressed for more than a month. It's time for the kids to go to school, and I know that if it goes on like this, it's going to be a ruined family.
I took a shower, got a haircut, shaved my beard, cleaned myself up, and I wanted to change my life, for the sake of my parents, for the sake of my children.
After settling my children in, I was ready to collect the accounts receivable from the outside. It's really much more difficult than I imagined, there are those who don't admit it, some who rip off, some run away, and some who don't have money to pay, and after more than a month, less than half of the 1.8 million arrears have been collected, and the rest are basically lost.
If you continue to consume it like this, not only will you not get the money, but you will also waste time. I left a little of the money I had collected for my children's living expenses, and the rest was paid off the debt. However, the remaining debt hole is still very large, and the key is that these loans are guaranteed by my sister and the money from relatives who help to give the loan.
Part-time job, so many debts, I can't afford to pay it off in my life, start a business, one has no funds, and the other has no resources.
Dilemma, that's where I was.
However, the current existential problem must first be addressed.
I started looking for a job, driving for a courier company during the day and working as a waitress at the night market.
Despite my best efforts, my income of 8,000,000 a month is a drop in the bucket compared to my actual debts.
Every day is in debt, and during that time, I would tremble when I heard my phone ringing. I am afraid of the day, because at dawn there are people collecting debts, and only in the dead of night is no one to disturb me.
The debtors came to the door, threatened me, intimidated me, and used my children to threaten me, and followed me inseparably all day long, which seriously affected my normal work, and I kept changing jobs, but they still stalked and harassed me as always.
I couldn't stay any longer, fear was one thing, but after they tossed around, I couldn't do anything, and I didn't have any income.
Looking at the children who are waiting to be fed, thinking about their elderly parents, and thinking about how many debts there are.
What to do?Staying in it was a dead end, so I ran away!
As the saying goes: the tree moves the dead, and the man moves the living.
I went to other places, found a job, and later found two part-time jobs, although I have an income of more than 10,000 yuan a month, but I am still far from paying off my debts.
Later, the bank couldn't pay back the money, and I was sued. My sister and brother-in-law acted as a guarantor and were sued at the same time.
For this reason, my sister and brother-in-law often quarreled, and even got into a divorce.
Because there is really no money, the bank is unwilling to negotiate, so it can only wait. Before, my brother-in-law pointed to my head, which was an accusation, scolding me for being incompetent, scolding me for being waste, scolding me for being a nest, and scolding me for being higher than heaven and thinner than paper. I couldn't say a word, my face was red and swollen, tears were rolling in my eyes, and if there was a crack in the ground, I wanted to get into it right away.
Sometimes, relatives turn their faces against each other, and they are more ruthless than outsiders!I know this very well.
After the lawsuit is settled, life has to go on.
By chance, a relative of mine who was doing engineering found out about my situation and decided to help me. On his project, he divided some projects that he thought were dispensable, although he didn't earn much, but it was much better than a part-time job.
Later, he undertook a relocation project in the county seat and gave me the formwork project of more than a dozen buildings.
After more than a year of work, the project payment was settled, and the money was not in his pocket, and all the debts were repaid.
3 years ago, all the debts were paid off, and it felt so good to be debt-free and light, like being released from prison and gaining a new life and freedom!
To be honest, I didn't think I'd roll over since I failed;The reason why I was able to turn around in the past few years was because of a move I made at the beginning.
The relative who helped me was the child of my cousin's family, and he went out before finishing elementary school, and at first he didn't even have the money to go out, so I gave him 2 months' salaryLater, his father fell from the house and had no money to be hospitalized, and I took a few thousand dollars to help them get through the difficulties.
Who knew that a few years later, my cousin suddenly became popular, and people's lives are sometimes really unpredictable.
With the help of my cousin, I managed to survive relatively smoothly.
My story is not inspiring, even as long as you have experienced failure, you will have a deep experience, I just want to say: if you do what you can, you must do more good deeds, good deeds, maybe one day, will play a key role!
This is my life.
When it is brilliant, it is hugged by the front and back. When he was down, he picked up steamed buns from the garbage heap to satisfy his hunger.
Although the debt is almost paid off now, I should have taken it easy, but I feel that life is becoming more and more meaningless.
1) Broken marriages. Since my wife ran away from home, although I can understand her feelings, I can't accept that I can share wealth and prosperity, and I can't share joys and sorrows. I have survived such a hard time, and now marriage is dispensable for me.
2) Life is uneventful. In the past, the pursuit was to be rich and rich. But after this ordeal, I really feel that sometimes it is true that it is plain, and now eat some porridge, just order small pickles, parents are healthy, and children become talents, which is the best.
3) Warmth and coldness. If you don't experience a single failure, you can't have a complete life. After going through an ordeal, you can really know who can be relied on, and who will fall into the ground.
4) The body is the capital of the revolution. I quit smoking and drinking, kept exercising, and although I was not as young as I was younger, I was still full of energy. If a person's body is broken and his spirit is decadent, then he really has nothing.
So, cherish the good life!At the same time, we must also look at every wear and tear in our lives in two ways, only after experiencing it, can we know how to cherish and know how to be grateful!