The new year of 2024 has begun, and the drizzle is witnessing the arrival of spring, and our debtors are also ushering in a great opportunity to turn overAs long as you do the following, then you will come back and thank me.
1. Don't take out loans anymore
After taking indebtedness, in order to keep their credit, many people began to use loans to support loans, tear down the east wall to make up for the west wall, reverse the card, do installments, and make minimum repayments.
Let me give you an example: let's do a simple calculation, take 100,000 debts as an example, the cost of reversing the card is 600 yuan a month, 7200 a year, the monthly handling fee is 1500 a month, 18000 a year, and the minimum repayment is a month. Multiply by 2,000 for 24,000 in a year.
When your wages aren't growing as fast as you can afford to make money. Multiply the growth rate, and the debt will snowball bigger and bigger, knowing that you will never be able to move anymore and eventually become overdue.
2. Don't hide from losing contact
After the deadline, many debtors face dozens or even hundreds of collections every day, their mentality will collapse, and they choose to escape, do not answer, change the number or disappear directly, which not only does not solve the problem, but will speed up the process of a bank's prosecution against you. In particular, the credit card limit is greater than 50,000, and the risk of losing contact and escaping will increase the risk of filing a case.
3. Blindly looking for part-time jobs
I'm not against finding a part-time job, because it can increase your own income, so why not. It allows you to pay off your debts faster. However, many people lose their rationality after going into debt, and they are particularly anxious. Always looking for part-time jobs that can make a lot of money quickly. And I hope that the simpler the better, without a bit of technical threshold.
There is no such thing as pie in the sky!
In addition to teaching you this kind of part-time job with a monthly income of more than 10,000 yuan, the common ones on the Internet are: swiping orders, online customer service, typists, etc., these part-time jobs are fake.
Fourth, don't blindly negotiate repayment
There are two cores to resolving debt
1.Increase your own income
2. Reduce expenses other than principal
If you can, don't blindly repay the loan. Be sure to negotiate with the bank or your borrowing platform for interest reduction, and then repay the loan, otherwise most of your repayment will still be interest.
For debtors, every point we have is hard-won and must be used on the cutting edge. Negotiated repayment must be based on a stable income. Don't be in a hurry to negotiate because you are afraid of collection and prosecution.
5. Don't think about getting rich overnight
Many debtors, in the face of sudden changes or unbearable debts, are passive and desperate every day, always wanting to get rich overnight. For example, going to gambling, taking out online loans, participating in pig slaughter, etc. It's all illegal, let's not do it.
In fact, the fastest shortcut is to be down-to-earth, if you have one.
The ability to turn over overnight, you will not have today's results. If you are still thinking about getting rich overnight at this time, it means that you have not fallen very painfully, and your mind has not yet been completely enlightened.
6. Don't talk too much about collection
Most of the collections are outsourced by third parties, so you just have to make what you want to say and don't make a big deal out of it. In the process of calling with the collector, clearly express that you will not lose contact and have a strong willingness to repay the loan. As for the text messages that harass you, we can basically look at the court, and if you don't know something, you can check it yourself. In short, don't ignore the serious news, and the rest can be completely ignored.
7. Don't pay it back with a little money
Whether you owe a bank or an online loan, remember not to pay it back when you are overdue. What we need to know is this: as long as you can't pay it back once, you will incur interest and liquidated damages. The amount of money you pay back can't keep up with the rate of penalty interest. If you don't know that you have been paying back penalty interest, the principal is not less, which will not only help solve the vicious debt, but will make you worse.
8. Insurance products are selectively bought
It's not recommended to buy it, if you have to buy it, you should buy some medical insurance or something. Don't think about the rest for now. It's not that insurance isn't important, it's just that your current financial resources can't support you to do these things, and Mr. has a quality problem.
9. Don't die to the end for the sake of face
Many debtors are not I said you, for the sake of the so-called face, I don't want my family to know, and I carry it silently by myself.
I believe that as long as we put down, work hard to make money, and scientifically plan debts, we will eventually use money to earn back your lost face.
If you read this article, you hope that you will be able to get out of debt in the new year.
I'm Fat Tiger
If you like it, just pay attention
We'll see you next time