In the previous article, we talked about the general law of solving the problem of personal debt, and the general law of solving the problem is: 1. Analyze the nature of the problem first; 2: Determine the required conditions, sequence and principles to be followed after clarifying the nature; 3: According to the conditions, order and principles, combined with their own specific situation, clarify their current positioning; 4: Strive to promote the achievement of various conditions and solve problems according to positioning.
I found that many debtors have the habit of buying lottery tickets, why do they have this habit? It is because most debtors have lost the initiative in life, because their time and energy are forced to be consumed on other issues caused by debt problems, such as coping with creditors' collections, taking care of parents, wives and children, regulating their own emotions, etc., so the real situation of most debtors every day is: either exhausted and in a situation of "headache and foot pain"; Either they are extremely tired and fall into the vicious circle of "resting and restless, and doing things in a disorderly manner". If you don't believe it, the debtor can count it himself, and your time and energy are spent on **? In this case, the debtor can only hope for good luck if he wants to solve the problem.
If a person cannot settle in the present, there is no futureSolving the problem is just a fool's dream, this is the status quo of the debtorTo change this situation, we have to change the way we look at the problem, which means that the reason why a problem makes us miserable is often not because of the problem itself, but because we look at the problem from the wrong angle. I have communicated with many debtors, and they all have a drawback, when they have not figured out what the problem is, they plunge into the problem, and the result is that the gourd is pressed and the scoop is lifted, and the more they solve it, the worse the situation becomes.
The most typical way to look at the problem is to simplify it. When thinking about solving the problem of personal debt, most debtors generally summarize the problem of personal debt as "I owe money" or "I am in debt", and use this as a starting point to think about the solution to the problem, and then no matter how correct the way they take it, such as finding the essence of the problem or finding out the cause first and then solving the problem by changing the cause, etc., they will fall into a dead loop, that is, if they invest their time and energy in doing things or making money to pay off debts, Then it will inevitably be impossible to deal with other problems arising from debt and life, and many problems will immediately intensify, and eventually come back to the debtors themselves. If you devote your time and energy to coping with other problems that arise from debt and life, then earning money to pay off debts becomes an impossible task. I know that there are a lot of articles on the Internet that persuade people to work hard and persuade people to be self-disciplined, of course we need to work hard and self-discipline, but the premise is not to violate the objective law, just as a person works hard for a day is 24 hours, and it cannot become 25 hours. In fact, many debtors know that the debt problem is not a simple single problem, but what problems are included? It is not clear or comprehensive, if you are confused about what the problems are, it is impossible to sort out your thinking, and it is impossible to plan in advance, and in the end, you will often disturb your mind because of the sudden intensification of a problem, and fall into the situation of "** have problems, and ** are not good at handling". The reason for this is that we treat the problem of personal debt and other problems derived from it as an isolated and static problem, ignoring that the problem of personal debt is a complex systemic problem that affects all aspects of the debtorTherefore, we need a new approach to re-examine and analyze the debt problem.
This new approach is to look at the problem from a relational, kinetic point of view, but how to do it?
The first step is to find out all the people or things that may be involved in the problem. There are two methods, one is the recall method, from the beginning of the problem to the present, the process will be written down slowly in chronological order, this process may need to be repeated several times, until there is nothing to add, and then the people and things in it are extracted. The other is the feature derivation method, which extracts the elements from the core problem, then refines the features, and deduces the other elements related to each element until you feel that it is enough, for example, you think that now your problem is that you owe a debt, then the elements are you and the debt. You as an individual can no longer be subdivided, so what are the individuals who are directly related to you? Obviously, at least the job that sustains you, your parents, your wife, your children, etc. Debt can be further subdivided, which can be divided into bank mortgage loans, bank credit loans, credit cards, personal loans, online loans, and then further subdivided into a loan corresponding to a person or unit.
The second step is to list the people or things you have found, and use lines to establish a relationship with you, what the specific relationship is not to worry about first, here to remind the debtor not to ignore the relationship between you and yourself. At this point, you will have a sense of the big picture, and at least you will understand why you are so slow to focus on actually starting to solve the problem that there are many factors that affect and implicate you.
The third step is to comprehensively analyze the problem from the perspective of connection and movement, and establish a global concept of the solution of the personal debt problem. We know that to solve the problem of personal debt, one of the most basic prerequisites is that you have to have a certain amount of time and energy, it can be said that without this basic condition, even if you have the idea of flying away, it is meaningless, this is an objective law is not subject to human will. How to protect the time and energy of the debtor as much as possible, you need to look at the relationships listed above from the perspective of connection, start with a specific relationship one by one, think about the circumstances that will inevitably affect your control of time and energy, and then use the perspective of sports to think about what can prevent this from happening in advance. In this process, we should pay attention to the principle of moderation, for example, when we are in a certain relationship, we are referring to the situation that will most likely happen in the future or that you will not be able to cope with once it happens, rather than taking into account all possible situations.
Learning the above methods and following these three steps to think and practice often can solve many problems that we could have prevented in advance, thus saving valuable time and energy, such as children's annual school fees, which are completely predictable and prepared in advance.
**10,000 Fans Incentive Plan We say that to solve the problem, we must have a global view, what is the overall view? It is to look at all things together, don't let go of any thing that may be connected, and then analyze the past, present and future from the perspective of movement, to help us predict the development and derivative future of things, which is the overall view. With a holistic view, you can look at problems from a strategic perspective and then clarify your thinking, but everyone's situation is different, and they will still be trapped in some specific problems and unable to extricate themselves, such as whether they should tell their families if they are in debt? Do you want to confess the real situation to the creditor? And so on, and many times you will be forced to compromise with reality, even if you know that it is not right to do so. So how should debtors deal with this situation? Please see the next article "In-depth Interpretation of Personal Debt III: Seeking Truth from Facts and Improvising [How to Position?] 】