Why should we distinguish liabilities clearly?

The phenomenon of "household debt" first appeared in some countries with relatively developed financial systems. They launched a variety of services with the nature of "loans" for people many years earlier than China, that is, to support people. Spend tomorrow’s money to complete today’s consumption. However, when this consumption concept and method first entered China, it was already out of control.

As the concept of early consumption becomes more and more popular in China, in recent years, more and more families or individuals in China are in debt. According to statistics, the proportion of household debt in Beijing is as high as 122%. This is It has exceeded the 115% household debt ratio in the United States in 2003.

Nowadays, not only for families, but also for many individuals, the concept of early consumption has been deeply rooted in the hearts of the people. Even students in school are constantly trying the pleasure of swiping credit cards, but most people I forgot that I have to pay back the money.

Murder, suicide and various criminal acts related to debt repayment have become commonplace in newspapers and television in some countries. In the summer of 2003, in the famous jumping incident in South Korea, a 34-year-old woman pushed her 3-year-old and 7-year-old daughters off the 15th floor, and then she also jumped while only holding the hand of her 6-year-old son. Police said the woman, a dishwasher, owed $25,000 in debt that she and her husband, a construction worker, were unable to repay.

1． Test whether you have entered a crisis

Whether a person or a family has fallen into a "debt crisis" has no standard data to measure, only one's own feelings can tell. Please try to answer the following three questions in your mind:

Is your or your family’s cash flow always flowing, instead of just spending and not earning? In addition to investing in stocks, funds, real estate, etc. Assets, do you or your family have current deposits in the bank? Does the amount of this amount reach 6 times your or your family’s monthly income, which is half a year’s income? When your monthly salary is paid, you Or after your family has provided a series of payments such as mortgages, car loans, insurance premiums, credit card debts, etc. to the bank, can the remaining funds be freely and reasonably allocated in savings, insurance, investments, and all aspects of life without feeling confused? Save money and save money? If your answer to the above questions is yes, then congratulations that you or your family have not fallen into a "debt crisis"; if your answer is no, then this needs your attention, maybe you have been "debt crisis" "Crisis" troubles you; more likely, you are wandering on the edge of that black hole, careful to make a mistake.

2. Crisis calculation

Monthly financial debt ratio = monthly household debt repayment amount / (total household income - income tax - social security fees - accounting subsidies, etc. - series of expenses) × 100% of this "monthly financial debt ratio" What is it? It measures how much income a household needs each month to pay off debt. The higher the ratio, the less income is left after paying off the debt, and vice versa.

How much of this data is appropriate? Ask yourself. If a person's monthly expenses are minimal, it doesn't matter if the figure is higher; if a person has a lot of entertainment every day, and entertainment and entertainment alone consume half of the income, then if this ratio is too high, there is a danger that someone will not be able to make ends meet. Moreover, this data is only a proportion, not an absolute number. It cannot be said that a family with a monthly income of 100,000 yuan and a "monthly financial debt ratio" of 50% is not as good as a family with a monthly income of 1,000 yuan and a "monthly financial debt ratio" of zero.

Here, what we are worried about is whether within the range of our family’s income, we can make our assets function well and live a quality life that is at least equivalent to the income level. Even though the "monthly financial debt ratio" varies from person to person, if it reaches 60% or higher, it is a very scary thing.

In fact, whether you live a free and easy life is your own feeling, and you know whether it is good or bad. Therefore, how far your family is from the "debt crisis" is up to you. Discover it early and Eliminate it and prevent it from causing harm to your family.

"Happy families are alike, and unhappy families are each unhappy in their own way." The same is true in terms of "debt crisis". Families who are getting better and better at managing their finances are all similar, because their lives will become richer and richer, their houses will get bigger and bigger, and their cars will get better and better.

But for families who successfully manage their finances, their wealth is also gained step by step. The step-by-step process is very important. Unlucky families often have big houses and big cars, and they achieve it overnight. They live in their houses prematurely. Too big, the car drives too well, the credit cards are swiped too much, after these premature impulsive actions, they may suddenly encounter unemployment and be helpless... There are too many that we can't count. reason. In short, they didn't do the right thing at the right time.

Of course, there are many types of reasons. To sum up, there are the following categories:

1. Credit cards are used too quickly

Don’t be too close to credit cards! The emergence of credit cards has brought convenience and fun to many people’s consumer lives. However, in today’s society, there are “card slaves” and “house slaves” As popular as "car slave". We cannot blame credit cards for this, we can only blame cardholders for their eagerness for quick success. We must clearly realize that a credit card is just a tool. Never ignore the "statement" and pay the bill on time every time.

Don’t use credit cards under any impulse. The first time will be the second time. When the debt on the credit card accumulates, you will have to deal with the situation will be very troublesome. To give full play to the advantages of credit cards is to plan your consumption. Credit cards will not condone anyone to spend extravagantly.

The use of credit cards must be within the plan, which can be various fixed expenses within a month. But when an item you like very much appears, you should "pay according to your needs" and calculate the time between the credit card swipe and the repayment period, so as not to disrupt your future life.

2. Live a luxurious life too early

Don’t covet a luxurious life too early. For anyone, a luxurious and comfortable life is an important goal. Nowadays, the reason for people’s consumption is no longer “needs”, but the quality of life and quality of life. How to reflect? Food, clothing, housing and transportation are the first to bear the brunt. As a result, mortgages and car loans were launched one after another, and more and more people were willing to use tomorrow's money to live in today's rooms and drive today's cars.

Financial stress relief is called "leaving money in the bank" or "positive cash flow." Therefore, when considering major moves such as buying a house or a car, it is best to have a sufficient budget. Don't have a house and a car but be hungry.

Only after satisfying other consumption items can you consider housing loans, car loans or other large consumption items that require loans, so as to ensure that the basic quality of life does not decline. In other words, before buying a house or car, you must calculate clearly how much you need to repay every month. This number must be the amount after meeting other needs.

3. Expectations of one's future income are too high

With the expected increase in loan repayment expenses, another hidden worry of the "rich" is the decline in expected income. The latest salary survey report released by a domestic recruitment website not long ago showed that in the second half of last year, the average level of the surveyed domestic industries was 35,333 yuan, down 14.7% from the previous period. This survey specifically pointed out that the salary level of IT personnel in Internet companies has dropped the most, and the "new and new" people working in these "emerging" industries are undoubtedly the group with the highest proportion of "rich people".

Once the "debt crisis" is deeply involved, unless you are lucky enough to catch a 5 million jackpot, otherwise, the days of "increasing revenue and cutting expenditure" and frugal living are inevitable. As for how long such days will last, we must It depends on the degree of the "debt crisis" and whether the method of repaying the debt is smart. In addition, it also requires a bit of luck.

Start with yourself, calculate your finances, make two tables, look at your income and expense statements, see what your balance sheet looks like, and calculate your net worth. Asset and liability crises.

Now if you are a "rich man" with assets, then you must have a sense of urgency, change the bad ways in your life, learn to increase revenue and reduce expenditure, and use a proper lifestyle to manage finances.

If you have done well, then congratulations first, continue to use your advantages, do better in financial management, and hope that the quality of life will become higher and higher.