This happened two years ago, when I was just 30 years old, and the import and export industry, which had been in business for 5 years, suddenly encountered great difficulties. The reason is that the competition in the industry is too fierce, and the funds on hand are broken, resulting in the recent receipt of several batches of goods, no money to pay. I struggled to support it for a while, but in the end, I couldn't resist it, so I could only announce the closure of the company.
My biggest problem today is that I am facing a debt of more than 1.5 million. Most of these arrears were borrowed from loan sharks in ***, who had recently started to push for repayment and sent people to my door to threaten them, which scared both my mother and girlfriend. I have been worried all day long, and I feel that this situation must be resolved as soon as possible, otherwise the consequences will be unimaginable.
In desperation, I had no choice but to turn to some friends and relatives for help. The first thing that comes to mind is my cousin Li Mei, we grew up together and have a very good relationship. I immediately called her a **: Hey, Li Mei, are you busy? I'm having a bit of a hard time here and would like to ask for a suggestion. It's like this, my company suddenly went out of business, and now I owe a lot of foreign debt, I don't know if you have any good way to help me tide over it? ”
* Li Mei's voice was a little surprised, she asked me how much I owed, and I said about 150,000 yuan. She was silent for a while and said, "Cousin, you know that I have just given birth to a child now, and I am financially tight. It's not a small amount, and I'd like to figure it out, but it won't help you much. But can you tell me all the details first, maybe I can help you with some advice?" ”
I briefly explained to her the current predicament, but did not say that I had borrowed money from a loan shark. Li Mei also seemed embarrassed after hearing this, she said that the company has been planning some new projects recently, and the capital turnover is relatively tight. I waited for her to think for a few minutes before she spoke: "Cousin, I'm really sorry, I really can't help with such a large sum of money at the moment, you can think of other ways." If it's really okay, maybe you can discuss it with your uncle and aunt? ”
I knew in my heart that Li Mei wanted to help, but she didn't have the resources to spare. We had a few more conversations, and I mentioned that my mother was not in good health recently and needed to spend some money**. Li Mei said that family affection is related to her, and she will definitely support this aspect. But for the request to borrow money, she finally politely declined. Although I am a little disappointed, I don't blame Li Mei, because I know that young people are busy with houses and cars, and the financial pressure is also very high. It seems that I can only turn to my aunt** for help, although our two families are not particularly close, but they are relatives.
What's wrong? Why do you suddenly ask for so much money? Aunt *'s tone was a little surprised. I didn't want to hide it, so I just said that the company had recently collapsed and that I owed foreign debts and needed to repay. **Aunt sighed and said, "It's normal for the company to go out of business, young people, if you fail, you will start again." You're still young, so you can't just work slowly to save money. ”
I explained: "Auntie, this matter is more urgent, the origin of the foreign debt I owe is a bit complicated, the other party has been urging me to pay back the money, and the family is also frightened. I really have no choice but to ask for help from a few of your relatives. You see, if it's convenient for you, lend me 150,000, and I promise to pay it off before the end of the year. ”
Aunt "sigh", and I don't know what I'm thinking. After a while, she said, "Forget it, you're my nephew, I'll help you this time." 150,000 is okay for me, so I should fund you. Come to my house in the evening to get the money, just have a meal together. It's just that I can only transfer money to you, and I can't withdraw it directly in cash. ”
At eight o'clock in the evening, I arrived at Aunt **'s house on time, and her husband and uncle were already watching TV in the living room. I knocked on the door and went in, ** aunt was busy in the kitchen, and when she saw me coming, she said, "You are here, the meal is ready, let's talk while eating." "I exchanged a few pleasantries with my uncle, and he told me not to open my mouth, even if I had difficulties.
The three of us sat at the dinner table, and my aunt brought a few side dishes, and I scooped a spoonful of rice into the rice bowl and prepared to start.
* While eating, my aunt chatted: "I think you should also get married, find a beautiful and stable girlfriend, don't just know how to do business and make money." Isn't your cousin Li Mei also married and has children? ”
I smiled and nodded: "Yes, auntie, I also want to start a family early." I used to focus on my career, but now it seems that I have gone a little too far. We exchanged a few words, and Aunt **'s tone became serious: "I'll give you this 150,000, you must use it well, and you can't lose it anymore." Don't think about usury or anything like that, it's just going to hurt you. ”
I hurriedly said that I would definitely pay attention, and then took out my mobile phone and showed Aunt ** the message sent by the loan shark urging for money, explaining the seriousness of the situation. ** Aunt frowned, put the bowl down, and said, "Forget it, you come with me." ”
I followed Aunt ** to her study, she took out the cash from the drawer and counted 150,000 yuan for me: "Just use it directly, I believe in you." If you have difficulties in the future, you should also tell your family, don't think about crooked ways. "I am grateful, and I repeatedly told my aunt that I will definitely deal with it.
After eating, Aunt ** called her daughter Xiaofang, who is my little cousin. Xiaofang has just been admitted to university and is taking a break from semester. **My aunt asked her to take me to the bank to go through the transfer procedures, and by the way, let their mother and daughter go out for a walk.
Xiaofang and I drove to a nearby bank, and she complained to me in the car that her aunt was too wide and didn't let her participate in the classmates' party. I smiled and persuaded her that there would be more free time in the future.
After completing the transfer procedures at the bank, I felt a little unsure. This money is life-saving money for me, but after all, I didn't earn it myself, and I was worried that I wouldn't be able to pay it off on time. I know my aunt must have good intentions, but it's also a pressure for me.
I had a brief chat with Xiaofang, and she said that she was going to apply to a university in Australia for graduate school. I encouraged her that this was also a good opportunity to go abroad and see it. We chatted for a while on the topic of future education and career, which rekindled some hope and fighting spirit.
I immediately took my mother to the hospital for a check-up, she was unusually tired lately, and I was worried about whether she was suffering from a more serious illness. The doctor did various tests and said that there is no major problem at present, and it may be that the body is weak due to long-term malnutrition. I ordered some supplements for my mother to come home and recuperate.
After a few months, my business plan gradually came to an eye. I've been working hard during this time, and although life is tight, I'm not discouraged.
One day, I called ** my aunt and wanted to report to her about the recent situation. **Aunt received**, and her tone was a little cold: "Oh, it's you, how are you doing?" ”
Aunt "sighed" and said, "I don't think it's as good as this, you don't have to pay me back the 150,000 yuan, just help you once." But ah, in the future, in life or work, you have to listen to me, and when I need you to do something, you have to do your best, what do you think? ”
I was taken aback when I heard this, and hurriedly said, "Auntie, I can't take up so much of your money for nothing, I must try to pay you back." I also wouldn't accept unfounded requests, it's not appropriate. ”
*Auntie's tone immediately became stern: "I have made it clear, don't think about paying back the 150,000." As for whether to listen to me or not, you can decide for yourself! But I advise you not to be ignorant, only I can help you with this favor. After saying that, she hung up**.
This sudden change was hard for me to accept. I was distraught thinking, not knowing what to do. I called my cousin Li Mei and planned to tell her everything about the incident and listen to her opinion.
* It took a long time for Li Mei to pick it up, and I heard her talking to the child. I said straight to the point: "Cousin, after I asked you for help before, I borrowed 150,000 yuan from my aunt. Now my aunt won't let me pay back the money, and she has made some other unreasonable demands, what should I do? ”
Li Mei was startled and hurriedly asked my aunt what she wanted. I repeated Aunt **'s words, and Li Mei immediately said: "This is unreasonable, how can she make such a request?" I know Aunt **, she has an awkward personality, and she may think that our relationship is not as good as before. Be resolute and don't let her influence you. ”
I said, "But I'll have to pay it off with such a big sum of money." I'm already starting a business again, do you think I should pay her back 100,000 first? Or can you help me find a way to get my aunt to cancel this requirement? ”
Li Mei thought for a while and said, "That's it, don't fight her fiercely first, I'll try to talk to her, she doesn't seem to be with me." You pay her back as planned, and I'll persuade her. She's stubborn, but she should listen to me. Don't rush it. ”
I listened to Li Mei's analysis and calmed down. It is true that you should not confront Aunt ** head-on, which will only make the relationship more stiff. I decided to stay put, and I didn't rush to mention the matter of repaying the money, and I would make plans after Sister Li Mei talked to Aunt **. In any case, I cannot accept unreasonable demands and must maintain my dignity.
This incident made me reflect on some of my own problems in life and affairs. I realized that you shouldn't borrow money from friends or even loved ones lightly, as it will not only increase the awkwardness for both parties, but it can also endanger the relationship. When I was struggling, I should have been more active in thinking of other ways instead of simply relying on my network to borrow money to get by.
This incident also made me see the preciousness of my cousin Li Mei. When I asked for help, she didn't blame her, and she gave me support and advice when I was in trouble. I was very touched by her selflessness in helping me in any way she could, even with limited funds.
After this, I resolved to rely on my own abilities to become self-reliant. I will not refuse the kindness of someone who genuinely helps, but at the same time I will maintain my independence and autonomy. I pay off my aunt's money only to repay the debt, and it does not mean that I will hand over any benefits to her. I will work harder and repay Li Mei and others who love me with practical actions.