Many of them have had an experience, this is a kind of "inheritance", we have just come out of society, work hard, and then return to our hometown, this is a way of life that everyone yearns for, it can also be said, all yearning for a lifetime. If the young man does not work hard, the boss is sad;When he left, he was young and vigorous, and when he returned, his temples were white;
Reminiscing about the past, he avoided the soldiers and abandoned his hometown.
The intention will be to return to the future, and the line will be reviewed.
After more than a century, Fang set foot on the road.
The suburbs are full of vines, and the day is like fog.
Phi Zhen visits Luli, and worships the mound tomb across the water.
Hurt the spine Lingyuan, and the yellow artemisia walks the fox rabbit.
There is no way for ordinary peoplePost-90s entrepreneurship, failure, and debt have become labels.
But what I see is that there are more low-key post-90s entrepreneurs around me, who are far more aware of their life route and what wakes them up every day than office workers, and even much higher than the quality of life of office workers.
Many people have a passion for the society, and after graduating out of school, they will make bold moves, determined to do a career, but they are beaten by the society and cause a lot of confusion, resulting in a big problem with their own views, the following points are worth pondering.
First, conceited, always thinking that he has a high education and good culture, and disdains those jobs that are exposed to the sun and rain, and the wind and frost and rain are big;
second, low self-esteem, feeling inferior everywhere, this and that dare not dare, this wants to save face, that wants to save face;
Third, degenerate, feeling that I can't do this or that, I don't think about tea and food, and hide in the rental house all day long, waiting for the family to help live.
The above is my opinion, mixed reviews.
Causes of indebtedness1. Working-class parents, rich children cause troubleThe parents of the post-90s generation are all post-60s or post-70s, and the vast majority of people at that time were people who had suffered from poverty and suffering, so when they had children, they were always afraid that their children would suffer and suffer from poverty, and they tried every means to ask their children to eat well, dress well, and use good ......, Many parents have long spoiled their children to the point that they don't know how thick they are, only to know that the post-90s generation is now a good car, brand-name bags, famous watches, and always feel that the parents' efforts are taken for granted, plus the current society is a variety of luxury goods flaunting and advanced consumption of publicity, so that the post-90s are not responsible. Parents should self-reflect!
2. Comparison, vanity
Compare vanity and useless socializing, idle and nothing to study, just go to all kinds of social friends to eat, drink, have fun and overspend, money is also a waste of time and waste, it is really fatal, and it turns out that it has taken a lot of detours, right?
And these people don't have to bear the pressure of work, the burden of their families, and before they enter society, they begin to bear the price of debt that they shouldn't bear, and their mentality has also changed.
3. Advance consumption
Why didn't we have so much debt when we were younger? Because the Internet was not popular at that time, at most stealing your parents' money! Stealing your parents' money can be controlled, but if your parents don't have money, how can you steal it? Some people say it's not a crime? I tell you that consumer loans, his various loans, are a cause of juvenile delinquency, isn't that true?
With the popularity of online lending forms such as Moubei and Moutiao, advanced consumption through borrowing has become the choice of more and more young generations. Use tomorrow's money to achieve today's dreams, and become a very trendy consumption concept at present.
Why lend to us teenagers, people who can't afford to spend? All kinds of campus loans, online loans and other platform loans, do they have the ability to taste and repay? So what happens in the end when parents are unable to repay?
How to face it, how to solve it:First, make a list of all debts, indicate specific interest rates and related charges, and prioritize themThose who know others are wise, and those who know themselves know how much debt there is and know the interest corresponding to the debt, so that they can formulate a targeted repayment plan.
List each debt and the corresponding cost of using funds, give priority to repaying funds with high interest rates and affecting credit information, and credit card arrears can be extended in installments through installments.
Second, we should resolutely stop borrowing high-interest funds such as online loans or small loans, and try to replace high-interest loans with low-interest funds
Borrowing the new to repay the old, tearing down the east wall to make up the west wall, this is the choice of many debtors, as they continue to borrow, pay more and more interest and handling fees, and the debt is getting bigger and bigger.
Some geniuses can't borrow money through normal channels, and when they see that it is easy to borrow money from online loans, they seem to have to borrow hard, and they can't pay it back after borrowing, so they go to borrow other online loans. Borrowing 2,000 yuan actually got only 1,400 yuan, and had to repay it after 7 days, so I borrowed two more 2,000 yuan to repay the previous debt of 2,800 yuan, and the debt could be rolled to hundreds of thousands of yuan in three or five months.
Do not borrow high-interest funds, refuse usury, online loans, small loans, routine loans, and use credit card installments in the worst case. In addition to seeking help from family members, you can also turn to other relatives, friends, colleagues, and classmates to try to replace the loan with a higher interest rate. In this process, every money borrowed must be recorded clearly, and interest is paid at an annual interest rate of not less than 5% when repaying.
Clause.
3. Compress all unnecessary consumption.
The way of wealth is nothing more than four words: open source and reduce expenditure. Compress all unnecessary consumption and minimize living expenses.
Rent the cheapest house, even if the living environment is dirty and messy;
Eat the cheapest meals, learn to cook your own meals, cook somen noodles with some vegetables and eggs is far more cost-effective than non-nutritious instant noodles;
Reduce unnecessary entertainment, even if it's just holding your phone to play games**;
buy cheap clothes and shoes, the kind that costs dozens of yuan online;
The mobile phone does not need to be changed for three or four years, and the replacement is only five or six hundred yuan, and the cheapest one is also used;
Reduce ineffective socializing, what group chats, class reunions, and drinking parties with fox friends and dogs;
Clause.
4. Work hard and use your spare time to generate income.
Work is the foundation of income, and a stable income is crucial. As long as you work hard, you can keep your job, improve your work ability, and get a promotion and salary increase.
Time outside of work should also be cherished and utilized. I work part-time at night and on weekends, take private jobs, do self-help, deliver takeaways, and shoot small**. All kinds of attempts can always be rewarded, and it is not difficult to increase the income of 350,000 yuan per year after hard work.
As long as the kung fu is deep, the iron pestle is sharpened into a needle, and the debt is reduced day by day, life will naturally get better and better.
Advice and my opinion:Be sure to make changes to yourself, from spending money thinking to making money thinking, this is an impetuous era, you need to give yourself a good life plan, how to go in the future? First of all, we must change from thinking, when people have the desire to make money, they have a strong ability to act, if you want to make money, you must act; If you want to have a better life, you have to get rid of your past self and cheer for the post-90s.
First, the most important thing is that you must not use credit cards or online loans to tear down the east wall and make up the west wall! Otherwise, it will make you fall deeper and deeper and ruin your life!
Second, if the money is too much, if the conditions allow for help from your family, and promise that your family will return or make a repayment plan, this can help you get out of the predicament as soon as possible and concentrate on working hard to make money.
3. If you can't find a higher-income job with your education and major, you might as well find a low-threshold even if it's a restaurant (don't be afraid of being embarrassed if you lack money!). If you have a fixed income for food and housing, you will save your living expenses and repay all your wages.
Fourth, the credit card must be returned in time, even if it is the minimum repayment (some banks can also call customer service ** to apply for a reduction of late fees), do not overdue, credit is very important! Negotiate a repayment plan with the loan company you owe money and repay the loan on time, otherwise it will be very scary to keep the interest rolling.
Fifth, youth is capital, youth is capital, work hard, debt will not force you to death, before you spend big, you must know that you have no plan, if you can successfully solve the problem this time, don't repeat the mistakes of the past.
The above is my experience in life, to share with you, I hope you can face life positively, open your heart, life means countless unknown difficulties and challenges, life ahead is a cloud of fog, and the meaning of human life is to overcome these difficulties, clear the layers of fog, everything will suddenly be clear. Come on!