Nearly 60% of loans have a large amount of debt. How can we change from a negative woman to a rich woman?

At the end of this year, some friends will sort out and summarize their financial management, investment, personal growth and other aspects in the past year, not only by looking at how much work income and investment and financial management have earned, but also by looking at how much they have spent and saved. Of course, it is also necessary for small partners with debts to sort out their debts when making an annual summary.

Her sister has two sets of data here and wants to share it with her friends.

According to a survey initiated by People's Daily, nearly 60% of the post-90s generation are heavily in debt.

Among them, 765,438+0.65, 438+0% were paid in the normal way, and 28.9% were paid in installments or overdue. That is to say, among the arrears of 10 people, nearly 3 people are paid in installments and overdue.

In another report on the post-90s debt situation, the average debt-to-income ratio is 4 1.75%, which means that 40% of the monthly income+will be used to pay off various liabilities.

In recent years, various consumer loans and lending platforms have emerged in an endless stream, from the initial credit cards to flower beds, loan beds and online loans. The easy borrowing process and experience have made many young people start to spend in advance, even to satisfy their material desires, at the expense of debt.

Some people just rely on their own enthusiasm, a kind of "others can do it" passion, and start to invest a lot of money and even put all their wealth on entrepreneurship, but entrepreneurship is not easy, and once it fails, it may lead to huge debts.

The situation this year is very special. Due to the epidemic, many people's work has been affected to some extent. Some people have no income for several months, or even lose their jobs directly.

Two days ago, her sister saw such a data, which was released by Yao Yang, president of the National Development Research Institute of Peking University.

He said that the National Development Research Institute of Peking University had conducted an online survey of more than 6,000 people at the end of June, and the results showed that the unemployment rate was as high as 15%, and another 5% were semi-unemployed. Considering that there are more than 700 million employed people in China, at the rate of 20%, hundreds of millions of people were unemployed at that time.

Having a job means having a continuous income, so that even if there is a little debt, the monthly income can fill some holes, but if there is no income, the hole in debt will only get bigger and bigger.

In the face of this situation, is there any way to let the indebted partners, especially those who are in debt, go ashore as soon as possible?

In fact, there are many topics about debt in the community, but her sister thinks that it is of great practical value to share a lot of wealth and honey under the topic of how to manage assets from ungrateful women to rich women.

So today, let's take a look at how the rich woman changed from a "negative woman" to a rich woman.

Caimi @ CinderellaJiang

Once upon a time, I was a real wife, because I was not only a moonlight family, but also liked to swipe my credit card and spend by stages, because these unreliable consumption concepts made me go further and further on the road of financial management.

With the improvement of my own quality and financial awareness in recent years, I finally got rid of the title of "heart breaker". Although there is still a big gap from the "rich woman", I also have a lot of experience and want to share it with you.

1, sort out debts and grasp the situation.

I think credit cards and flowers are not suitable for everyone, such as me who is not self-disciplined. So when you become a "negative wife", you must first figure out how much money you owe and have a clear grasp of your debt situation. If you owe money to the bank, freeze the credit card first, and reduce the amount if you owe money, so that no new debt will be generated.

If the amount of debt is large, it is recommended to borrow money from friends and parents around you, and pay back the money owed to the bank and the flower garden first, otherwise the money paid back every month is not enough for others' interest.

2. Re-plan and repay by steps.

When we start to pay back the money, some people like to pay back as long as they have money on hand, but I think if you really want to start a plan of "returning from ungrateful women to rich women", you must have an overall plan. Therefore, it is not possible to pay off all the gains, which is not conducive to the efficient use of funds.

I suggest dividing the income into three parts, one for daily life, one for debt repayment and one for goose savings. The speed of repayment depends on the proportion of the three parts, which can be 3-3-3 points or 3-5-2 points. If a person wants to get better, he should save money quickly. According to this method, after a period of time, you will not only pay off your debts, but also have a lot of savings.

3. Pay off the debt and start over.

When the debt is paid off and you regain the income, you can continue the dichotomy. However, you can use the repaid part for other purposes, some for increasing the goose pond, some for improving the quality of daily life, and the rest can be used as a reserve fund. Once you need money urgently, you don't need to wait for money in the goose pond.

The above three points are my greatest debt repayment experience as a former wife.

I also want to say that each of us has all kinds of desires. When the desire in our hearts doesn't match the money in our pockets, this is a dream. Everyone must work hard to realize his dream. Not everyone will say that he is a dreamer after taking the future money to realize it. Otherwise, when this misconception is getting bigger and bigger, life will be even more sad.

Caimi @ Goth Su Yan

Combining my own experience from the Moonlight clan, I would like to share some successful experiences with you:

Step one: change your mind and reduce your expenses. Start with small things, don't delay.

If you are poor, change it. If you don't change, you will really continue to be poor.

In 2009, I owed a lot of credit card debts. Usually, if you have no money, you will overdraw or withdraw cash. Because they are all small money, there is no feeling. Until one day, I received a bill from the bank and found that the arrears had exceeded the sum of my six-month income. The whole person was uncomfortable and began to feel uneasy.

At that time, I felt that what I had done was wrong. I wanted to change, but I couldn't make up my mind to change. I knew that the situation was not good, but I didn't know what to do. Until one day, I was on the bus, and a group of white-haired aunts went to the vegetable market to buy food. At that time, I was sitting in the back seat of the car, watching those aunts come out in droves to buy food by bus in order to save some food expenses (it is free for them to take the bus at this age), and I suddenly seemed to see myself before. At that moment, I made up my mind to get out of the predicament and improve my finances. Ten years later, I still remember this scene.

It is not difficult to change the statement, but it is not easy to put it simply.

At work that day, I was sitting in my office fishing, thinking about why I am having such a bad time now and where all my money has gone.

I listed the items of spending money on A4 paper: rent, meals, transportation, clothes, etc., and then decided to start with renting back.

I am anxious to check out. I just want to sit in the office in the morning and go home from work to pay the bill. The landlord withheld the rest of the rent and didn't pay me back. Fortunately, he returned the deposit to me. Then I moved back to my hometown. I shamelessly asked my dad for money to buy a battery car and rode a small electric donkey to and from work for more than 40 minutes every day. To this day, I am still grateful for my decision to check out at that time. Because I know that if I don't directly check out the bill and make corrections that day, my procrastination is basically procrastination, and then I will go away.

So I suggest that sisters who want to get rid of debt or moonlight can make a list of expenses and make some changes immediately. Cut as much as you can. Don't delay, don't delay, don't delay!

Step 2: The sooner the bad debts are repaid, the better. If necessary, you can ask your relatives and friends for help.

What is bad debt? I think cash withdrawal by credit card, or credit card can only pay the minimum repayment amount, the debt that needs to bear high interest every month, the debt owed by external lending companies and so on. All bad debts. Because the high interest rate every month will devour our only income, and let us sink deeper and deeper into the swamp of debt. I just asked my dad for help. He took out his only money, paid off my credit card debt and bought me a battery car so that I could go ashore smoothly. When looking for help from relatives and friends, it is recommended to talk about your repayment plan sincerely. Those who should write IOUs should take the initiative to write IOUs and don't embarrass relatives and friends.

The third step: increase income, strive to raise salary+open source in many ways, and go hand in hand.

1, work hard

Many people don't think a good job is part of financial management, but I don't think so. Hard work will give us a chance to go to a higher position and get a higher salary, which can help us accumulate the first bucket of gold in life faster. Moreover, hard-working people are more likely to have a positive attitude, which is very important for both life and financial investment.

After setting the goal of serious work, I began to do this:

Change the state that you are only willing to pay 1800 yuan in your daily work.

My monthly salary at that time was 1800 yuan. Before, in order to match my salary of 1800 yuan, I would browse the web, read novels and visit a treasure whenever I was free, that is to say, I was only willing to pay the equivalent of 1800 yuan or even less.

After I made up my mind, I regarded my job as "a well-paid and well-paid post." My client asked me to work at 1, and I worked at 1.5, and I always gave more services to my clients than he expected. A month later, my efforts paid off. Customers are relying on me more and more, and they keep praising me in front of the company's top management. Slowly, the top management of the company also saw my efforts and began to assign me more and more jobs. So, I have the opportunity to contact technology and travel internationally.

Don't refuse to work overtime

I have never refused to work overtime when necessary, but my purpose of working overtime is also very simple, because overtime can be paid in cash at the end of the month. At that time, 38 yuan worked overtime for one day, and 76 yuan worked overtime for two days on weekends. Although I don't have much money now, it also means that I can save 76 yuan more, so I'm glad to have the opportunity to work overtime. Inadvertently, the top management of the company saw the result of working overtime on weekends and trusted my ability and character more.

Of course, when you should speak for yourself in the workplace, you should also speak decisively. Hard work, the trust of customers and the satisfaction of the company are all strong foundations for me to fight for my own welfare.

That year, in the case that colleagues in the department generally reduced the year-end bonus, I was the only one who got 7000 yuan more than before. In May of the following year, the head of the company transferred me at the request of the customer, and my monthly salary rose to 5000 yuan.

You see, hard work has increased my annual income by nearly 2.8 times, which is definitely a windfall investment. Two years later, my annual income doubled again. So is my present job. Although I am often out of the office, the salary increase is still bigger than that of my colleagues in the same position.

2. Multi-source

The appreciation and salary increase of one's own work will not be realized for a while, and it takes time and opportunity. If you have enough time and energy, you can take several part-time jobs, increase your income, reduce your free time, and do online shopping if you have nothing to do.

Open source can be found according to its own specialties. If you study well, you can try to be a night teacher. Those who are good at acting can do live broadcast. Those who are not good at it can also go to work or do part-time housekeeping. There are still many part-time jobs on our local life website.

Step 4: Learn to save forcibly and invest simply.

Compulsory savings is definitely a good friend of moonlight clan. Once you start compulsory savings, getting rid of the moonlight is not a dream. In the past, the bank's one-year time deposit interest rate was 5%+, so I paid my salary to the bank every month. At present, the interest rate of bank time deposit is too low and inappropriate, but we can make compulsory savings by investing in small targets and money funds on a regular basis.

Her sister combined with Fumi's suggestion, and then summed up the method of getting rid of debts and going ashore as soon as possible:

No matter how much debt you are currently in, that's it! Don't add any new liabilities;

You should think carefully about what caused you to be heavily in debt. Think clearly about this problem and solve it at once. Don't do such things again.

Sort out the current debt types, debt amount and repayment frequency, make a list and mark the bills that need to be repaid every month;

Don't run away, face the debt bravely. If you owe a lot, you can ask your parents and other relatives and friends for help to alleviate the short-term financial shortage. But remember, no matter who you borrow money from, you should also write an iou, so as not to make the borrower feel that the money you lent is really "lost";

According to the characteristics of debt, make repayment plans, including but not limited to the rational use of wages, the priority of debt repayment, debts with high priority interest rates, and personal credit records will be damaged immediately after the deadline.

Keep saving money, even if it's only100,200, it's not bad. Don't underestimate these hundreds of dollars. Over time, it is also a good income for you who have been a loser before.

When you are heavily in debt and determined to get out of the predicament, you should not only take psychological and physical actions, but also reflect on yourself and implement your debt repayment plan in a "steady" way, so as not to make the situation worse.

Debt is not terrible. As long as you have determination, confidence and courage, you can still fight a beautiful turnaround.