Are there any migrant workers who are still holding on despite being heavily in debt?

There are many people like you in places you can’t see, and our family is the same, we are all carrying on and moving forward step by step. In fact, as long as you are healthy, as long as the family works together to face [呲呲] and work hard together

Yes, I am 30 years old, with 30 debts, credit cards, online loans, and Alipay are all overdue, and I am forced to From my hometown in Yunnan, I went to work in the largest garment factory in Asia in Beilun District, Ningbo City, Zhejiang Province to pay off debts. I worked 12 hours a day, standing shifts, and two shifts. I was about to collapse, but I kept gritting my teeth and persisted in working. My monthly salary was seven to eight thousand yuan, and I had to pay off all the debts as soon as they came in. I had to work in the factory for several years before I could pay off the debts. It was so difficult!

Alas! Nowadays, there are many people who are heavily in debt and working hard. Some of them are loans to buy houses, some are arrears due to medical treatment or some reasons. For most people, it is mainly because of the high housing prices that many people are saddled with heavy debts. Every morning When I wake up and look at the monthly loan repayments, I don’t dare to relax a little bit. I can only grit my teeth and work hard to make money to pay off the debts. It’s tiring! There is no way, who told me that I was not born with a golden key in my mouth? Who says he is not a rich second generation? I have no choice, I have to work hard to get everything I have. I also want to live a free and unrestrained life, without having to work hard for money. I can stretch out my hands for clothes and open my mouth for food. However, it backfires. In real life, I need money to buy a house to live in. You need money to buy a car for transportation, you need money to support your children, you need money to honor your parents, you need money to live, you need money to plan for your future retirement... Doesn’t that require real money? There are many expensive places in the house waiting for me to make money. I didn’t say anything, just tears... I went to work and make money.

The 39-year-old currently has a debt of 200,000.

I swiped my credit card, borrowed money from Xiaomi, borrowed it, and borrowed it from Xiaomi. I was able to keep going in circles at first, and I gradually paid back the loan. Later, I started borrowing from Xiaomi, borrowing from Baibei, and my credit card dropped sharply one after another. The interest rate was raised, and the capital chain was suddenly cut off. Collection calls continued, harassing family members and colleagues.

I used to think that these loans were quite humane and rash!

The capitalists’ ruthless attitude is so terrifying that even Huang Shiren has to step aside.

A well-known bank’s credit card earned me about 100,000 in installment fees and interest in three years. The key is that I don’t have to do these things. Their bank customer service calls me every day to persuade me to install installments, which makes me fall into the trap as soon as I soften my ears. , it can be said that once you enter the installment plan, you will be as deep as the sea, and then you will have no money when you look back. Then you will reduce the amount, and you will get the last blood by the way. The monthly payment is the lowest, and the interest is 1,000 a month.

It’s just that I’m not firm-minded. When I was rich, I thought it would cost me a lot to do a favor, but when I was down, I realized that they were just vampires.

The mistake starts with applying for a credit card, so I kindly advise you not to apply for a credit card! Never apply for a credit card! Never get a credit card! Never take out a loan! Never take out a loan! Never take out a loan!

In terms of credit cards and loans, it can be said that "one step forward will save you from disaster."

I won't say it anymore, it will make me cry if I talk too much, so go ahead! [Crying][Crying][Crying]

Let me talk about myself. Among all kinds of people with debts, I should be in the group with an amount of no more than 150,000. And I don’t have anyone who says that I can solve these debts by confessing to the family. I don’t even have anywhere to confess, so I have to do everything on my own.

My trough period was long and dark. This was largely due to my inability to change my mentality. I always thought about how much money I could make by working. It’s enough to pay off the interest, so what’s the use? I am a business debtor. I have never worked a job since I was a child, and I have never looked at other people’s faces. So, if you are in debt and were a working class before, congratulations, you already have an advantage over me, because it took me a year of decadence to get out of this stage.

When you have to get out of the decadent period, put aside all negative energy and face reality positively, you will find that you will still encounter those inevitable blows and failures. You will find that society will not change because of your temporary indifference. It is still so cruel. You still have to accept failed interviews or accept low wages that match your abilities. Do you feel that you have to retreat and retreat into a period of confusion? It may even feel like the period of confusion is like a shelter, which will give you a pitiful sense of security.

Whether my words have hit you, you have already crossed the line to find another answer you want. After all, those words that can give you tenderness but do not tell you the reality are always loved by everyone.

Finally, I want to tell you my current situation. I am a failed young man who has not received a diploma from college. After two years of self-study and countless times of giving up, I have almost paid off all my debts and taxes. After deducting all living expenses from the final salary, the remaining 7,400 per month will be used to pay off debts.

Although the debt has not been paid off, I still feel that the future is promising. Maybe you will be envious of my current income (just maybe), and curious about my current job, but so what if you know, just like me a year ago, I don’t know when life will be kind to me.

Everyone has his or her own path to walk, and other people’s experiences only belong to others. My answer has no chicken blood, only heavy reality. I hope it can help some people. Maybe many years later, you will still remember my words.

I was born in Henan in 1987 and currently have a debt of 115W.

Others have mortgage loans and car loans, which are assets, but mine are medical expenses and liabilities related to business failure.

During my company’s physical examination in 2018, I was diagnosed with thyroid cancer, which cost me more than 50 W in medical expenses. I didn't pay much attention to it at the time. Every physical examination showed no problems. It was either fatty infiltration in the liver or minor problems such as visual acuity 4.0 and so on. So, I don't take it seriously.

I remember that on the day of the physical examination, the sky was gray and it was raining lightly. I drove the car casually to the physical examination office. Many colleagues have already started physical examinations. There were many people taking physical examinations, so I quickly joined the group.

The physical examination process went very smoothly, nothing bad happened. After I received breakfast from the physical examination center, I drove home. I didn't care about the day after the physical examination. Suddenly one day, when I was at work, I received a call asking me to go to the physical examination center for a reexamination. The next day, I took a day off and went to the physical examination center for a review. After the examination, more than half an hour later, the doctor called me to his office and told me: "After examination, it was found that you have thyroid cancer and you need to have surgery immediately!" After hearing this, I was stunned. I have never heard of this disease, how could it happen to me?

Later, the doctor asked me questions about my life, whether I stayed up late, whether I smoked, and other such topics. I told the doctor that I usually don’t stay up late, but my sleep quality is not good. I wake up at three in the morning. I usually eat irregularly, usually takeout or fried noodles, and rarely cook my own meals.

The doctor said, that’s right. After 0 o’clock in the morning, it is the time when various internal organs need to be metabolized, and a good sleep quality is needed; and you usually like to eat takeaways, fried noodles, high-salt and high-fat foods , excessive carbohydrate intake is not good for your body.

I suggested that you have surgery immediately. Before the doctor finished speaking, I started crying. I didn’t know what to do. I was at a loss and completely confused. I staggered back to the rental house. I didn't dare to tell my mother, and I was afraid that she would worry, so I borrowed money from various places for medical treatment, from banks and online loans. So I went for the surgery.

The whole operation was very uncomfortable, I felt like vomiting, and I barely finished it. I rested for more than half a year. I also lost my job, which made matters worse. I don’t know, what is it that supports me? Maybe it's my guilt for my mother? It has been three years and I am still taking medication to support my health.

Surgery, medicine, and a series of other miscellaneous expenses are 55W. This is my debt as a cancer patient.

The lesson this incident taught me is that all serious illnesses are the accumulation of bad living habits. Don’t think that just because you don’t get sick, you think you are healthy, and you can indulge yourself and not pay attention to your health. Lazy. Many diseases are caused by one's own laziness.

Next, let’s talk about my business failures.

Before I was diagnosed with thyroid cancer, I contracted land and planted medicinal herbs. At that time, we contracted 280 acres of land in Hebei and planted Atractylodes macrocephala. It was okay in the first year, but the local villagers kicked him out in the second year. The blame for this is that we are too young. We were defeated not by technology, but by human sophistication.

The local village chief dragged the villagers to force us to leave. They raised the land rent in disguise, tore up the contract, and drove us away. I thought about going to court at the time, but I thought about it later. I stopped spending time with them and left. Due to the expansion of the scale in the second year, more than 200 acres were added, and costs were invested: nearly 600,000 yuan was invested in seeds, fertilizers, land rent, rotary tillage, sowing, irrigation and other miscellaneous expenses. In the end, they forced me to give up because they couldn't stand you and couldn't see you making money. We can say that we have completely failed and are in despair.

This incident taught me a lesson: you must put interpersonal relationships before your business, because we are doing traditional business, especially in villages and towns, and we pay more attention to human relations and sophistication. Don't invest too much money at the beginning, otherwise it will easily be wasted later. Sometimes, no matter how good your skills and abilities are, you can't resist the plots and conspiracies of others.

Although I am in debt of more than 1 million, I still have to move forward in life. Even if it is not for myself or for my parents, I still need to live well. Only by surviving can we have hope and truly create the future.

So, regarding the title question, what I want to say is that all setbacks and sufferings are gifts given to us by God in order to allow us to better adapt to this world. Temper our temperament, exercise our will, and improve our ability to solve problems. In this way we can create greater value for the world.

So, my dear friend, please cheer up and come on.

Work hard to welcome every day in the future.

I am a working mother who is heavily in debt and still persisting. The darkest days when I was in debt were the days in early 2020. I received hundreds of debt collection calls every day. I was confused. Days of helplessness, fear, and fear. After the epidemic, I went out to look for a job and went to work. Currently, I am still working hard to earn money to pay off debts

When you are in debt, you will know how poor you are without debts. Happiness, there is no if in life, all you have is now, come on, people in debt

From a credit overdraft of 7,500 yuan to a debt of about 500,000 yuan, just take a chance and sign it!

There are many people in the same situation as you. They are all affected by the epidemic. As a result, the source of funds is either compressed or cut off for a long time. In the end, the capital chain cannot operate and it is difficult to repay various online loans. People around you No one can borrow money to fill the hole, because 80% of them are in financial difficulties. They are all in trouble and can't take care of others!

Let’s talk about my story again!

How did I go from swiping 7,500 on a credit card to a handsome guy with a debt of 500,000 [face covering]

Why exactly did it become like that!

I got a credit card a few years ago with a limit of RMB 10,000. I happened to have insufficient funds to renovate the store, so I spent 7,500 yuan on it. I felt it was very convenient and I didn’t need to borrow money from others. After the renovation was completed, I used it. I invested a lot of money in buying new equipment. I was already very tight on funds, and I had to renovate my house at home, but I didn’t want my parents to worry about money, so I applied for a credit card and borrowed all the credit I had, so I could use it to add some money to my family. , Normally I can make up this amount of money in one quarter, but it’s not as good as anyone’s guess, and the plan can’t keep up with the changes! First, business became difficult at the beginning of the economic crisis, and then the epidemic hit. The store was closed for three months. Money was being spent but there was no income. Funds began to collapse, so we started again. I took out some online loans to make a transition

I finally managed to get over it and feel like I can breathe a little easier. Some time ago, the online business loan was suddenly reduced and I had to repay nearly 20,000 yuan a month. I have been able to get in and out. Recently, Henan Just after the floods here, the epidemic situation became serious again, and finally closed access management began, and the store was unable to operate normally! It was already stressful to collect more than 20,000 yuan, and the sudden situation of the epidemic made it even worse! I hope the epidemic will end soon and everyone’s life can return to normal! The above are the answers to your questions. I hope they can help you. Let’s work hard together and strive to land as soon as possible [Struggle] [Struggle]

The migrant workers who have just landed are here to report!

As parents of three children, our journey to shore was particularly difficult. Fortunately, in the past few years, we had noisy moments, nearly collapsed, and wanted to divorce, but in the end They all persisted.

Let me tell you about the journey my husband and I went from being heavily in debt to struggling to get out of debt. I hope it can give you some encouragement.

In 2016, we were operating four projects at the same time: cable digital TV transformation in a county in Northeast China, wireless digital TV operation in a county in Henan, a hotel weak current engineering company in Shenyang, and a sanatorium project in Anshan.

The project investment was not large, totaling less than 1 million. At that time, we still had accounts receivable of more than 1.5 million from previously completed projects, so we felt that there was not much pressure and we had already made plans. Preparing for a third child.

When I was in Henan, I found out that I was pregnant. I was about to tell my husband the good news in Anshan, but his phone couldn’t be reached. From the morning until four o’clock in the afternoon, not only his phone I couldn't get through, even the phone calls of several employees who followed him on a business trip to Anshan couldn't get through, so I went shopping completely.

Ignoring the fact that I was just pregnant, I immediately drove from Zhoukou. It was more than 1,300 kilometers. Apart from going to the toilet and refueling, I drove all the way to Anshan, alone for fifteen hours. Driving, I remember when I passed Tianjin, my whole body was shaking. I drank three cans of Wangzai milk in the service area before I slowly recovered.

The next morning, I had already entered Anshan and received a call from my husband. It turned out that it was because of a debt demand. Not only did the debtor not pay back the money, he also called the police and reported that they had broken into the house and robbed the house. At the same time, he was arrested by the police station and detained for a day and night before being released.

That incident became a turning point in our lives. Customers who were still paying back the money one after another, when they heard that we had been arrested by the police station after failing to pay the debt, they all chose not to pay back the money, with all kinds of strange reasons. . Soon, our capital chain was broken. First, the sanatorium project was suspended indefinitely, and then the cable digital TV renovation project was snatched away by competitors. The company in Shenyang could not pay wages, and the Henan project itself would not see profits for a while.

It took only two short months for the company to go from great success to difficulty.

At this time, we were not in the mood to have a third child. After several days and nights of discussion, I insisted on having an abortion. My husband and I had a big argument. We couldn’t help it, so we asked the partner of the Henan project to borrow the abortion. He took me to the hospital with 10,000 yuan.

At that time, I was already in my thirties. I had no time to sit down during my confinement period, and I had to raise money to fill the hole. The company in Shenyang was our last hope. At that time, we were developing a software , if it can be done, there may not be a chance to turn around. In order to survive, we can only make a desperate move. Cashing out on credit cards, various small loans, borrowing money from relatives and friends, even my car was mortgaged.

It failed. When we were really at the end of our rope, the software was still not finished. Because we had received advance payments from two customers and could not deliver the goods on time, the company was sued in court. At the same time, two employees who had resigned also took us to court for not receiving their wages on time.

During the National Day holiday in October, I took my husband back to my parents’ home. It was more or less out of sight and out of mind. They say time is the best medicine to solve problems, but during that seven-day holiday, our life was worse than death. .

My parents’ family is in a small mountain village. The signal of Telecom here is very poor, and my husband happened to have the mobile phone number of Telecom. In those days, the phone could not be reached. When we left the village, my husband found out that he had been jammed. The loan was depleted in my address book for three days, but I was only three days late in repaying it. And it was during the National Day holiday, so my address book was depleted.

Hundreds of missed calls, hundreds of "concern" text messages, I understand that we are completely screwed. No one will trust a person who cannot repay his debts. He could have borrowed money from his friends. Credit cards, from now on, are no longer possible.

At the end of October, all credit cards, small loans, Huabei, and Jiebei under my husband’s name were overdue. Before the address book was exposed, my husband could borrow at least 100,000 yuan by sending a group message. After that, , my husband only got a loan of 150 yuan even after calling all over the phone. The favor was cold and warm, nothing more than that.

Since escaping can’t solve the problem, we can only face it calmly. My husband is very calm and he begins to formulate a repayment plan, which amounts to more than 300,000 per year, including wages owed to workers and refunds to customers. advance payment.

First of all, the credit card problem must be solved. Among all the debts, only the credit card involves credit card fraud, which may lead to imprisonment. The Agricultural Bank of China has called the police, and the Economic Investigation Team of the Public Security Bureau contacted us. My husband explained the situation in detail to the economic investigation team and said that he could repay part of it.

All the cash we could come up with at that time was only 10,000 yuan, and we paid it all back to the Agricultural Bank of China, which stabilized the economic investigation team. Then we negotiated with the Agricultural Bank of China about the installment, but the Agricultural Bank of China firmly disagreed, and the matter was once again deadlocked. accommodation, but at least for the time being there is no risk of detention.

Next up are Huabei and Jiebei under Alipay, which will inevitably be subject to credit reporting. Although credit reporting will inevitably be spent, the sooner it is resolved, the greater the possibility of credit recovery. , Generally speaking, within three to five years, if there are no other problems, the bad credit record will be covered. This is what my husband found out from a friend.

I sold all my jewelry. The gold jewelry was okay. I spent more than 40,000 yuan to buy it. When I sold it, it sold for more than 60,000 yuan. The most regrettable thing was a diamond necklace and a diamond ring, which cost 10,000 yuan when I bought them. It's a lot, but it only costs a few hundred yuan when it's sold. There's no other way to sell it for a few hundred yuan. It's useless to keep it anyway. What’s even worse is the Apple laptop, which cost more than NT$9,000 and is 80% new. Xianyu can only sell it for NT$500.

After a lot of piecing together, I finally borrowed 20,000 from my sister to take care of all my husband’s credit cards, Juibei and Huabei. There was really nothing I could do about other small loans.

The company used office computers and office supplies to offset part of the employees' wages, which was regarded as a way for the employees to withdraw the lawsuit. Regarding the customer's advance payment, my husband almost knelt down to them and wrote an IOU privately, asking them to withdraw the lawsuit so that the company could enter the cancellation process.

Only making money can solve the problem. For business people, having their address book exposed is an announcement that they are completely dead. There is no other way, so my husband had to find a job with a monthly salary of 7,000, responsible for maintaining a previous client. In the computer room, the work is not tiring and there is more free time.

Every day after get off work, my husband has to run Didi until midnight. On weekends, my husband often goes to other counties, towns and towns to pick up private work. It costs a thousand yuan to repair the computer room, and he doesn’t even have enough gas money to drive. I took the train, got on the train at night, squatted in an Internet cafe when I got there, finished my work during the day, and then took the train back. I was so tired that I was so tired that I couldn't bear to take a sleeper, let alone a high-speed train.

At this time, I became pregnant again. This time, my husband held scissors to his neck and threatened me not to abort it. In his words, I will never have a daughter in my life until he dies. Can't even close my eyes.

Originally, I could still sell milk to earn some money to support my family. After I became pregnant, it was definitely impossible to move up and down the house. The milk business stopped, and my husband’s burden became even heavier. My two sons went to school every day. Spending money, fortunately the elderly on both sides are in good health and don’t need us to take care of them for the time being, otherwise we really don’t know how to survive.

Can you believe it? On the day of the due date, we paid for our little son’s food, and we only had thirty-seven yuan left. We had no medical insurance or maternity insurance, so we went to the hospital to register, and we didn’t even have money for a prenatal check-up.

My husband called a client who owed us more than 100,000 yuan and told him that he only needed 10,000 yuan and all previous debts would be cleared. The other party was still saying that he didn’t have a penny, but the result It took less than a minute to transfer 10,000 yuan. Isn’t it ridiculous?

My daughter is very sensible. From the time I entered the delivery room to the time she was born, it took less than twenty minutes. In 2019, it only cost more than 1,300 yuan to give birth to a child. I went to the hospital the first night and was discharged at noon the next day. My milk came that night. I only drank three meals of the trial milk powder given by the hospital. , you can even save money on milk powder.

Maybe God doesn’t want to see his daughter suffer pity. Since she was born, our life has become more and more smooth. First, her hometown was demolished, and she just happened to catch it. She got an extra 85 square meters of house and hundreds of thousands of yuan in compensation.

On the way my husband returned to his hometown to sign the contract, the partner in Henan suddenly agreed to withdraw our equity and gave us 250,000 yuan, which was paid in one lump sum.

Immediately afterwards, the owner of the company where my husband worked planned to outsource the marketing business. We took over the business and re-registered the company, and the business went smoothly.

During the epidemic, our debts were finally paid off. On the day when the last debt was paid, my husband and I held our heads and cried. For more than four years and more than a thousand days and nights, we were burdened with Under pressure from all aspects, we finally got over it...

The last words:

My friends, debt is not terrible, life will go on, as long as you don’t bow your head, there will be no problem. What a hurdle that can't be overcome.

I wish all friends who are in debt to get out of trouble as soon as possible!

At the age of 46, I have a debt of 2.8 million yuan. Now I have to work first to prevent myself from starving to death. As long as people don’t die, they will eventually succeed. As long as they work hard, any difficulty will be solved.