Recently, I joined an investment and wealth management group, only to find that there are also several young people who have borrowed tens of thousands or even hundreds of thousands, some of whom are college students who have not graduated, and some of whom have just graduated and just entered the society. Think that there are many young people in society who are as indebted as they are.
There is a girl in the group who works as a front desk in Shenzhen, but she is burdened with hundreds of thousands of debts. She dare not tell her family or friends around her, and bear it silently. She said she didn't want to find the other half and couldn't drag others down. It is suitable for a person for a lifetime. I'm still in the league, but I complain that I'm not good-looking. I want to be an online celebrity, see who has an online celebrity project in the group, and then earn money equally.
Another boy, the university began to borrow money from the Internet. About a year after graduation, he was also in debt of 60 thousand. He said, "I haven't been home for two years, so I'm embarrassed to go back to my hometown. I owed more than 100,000 yuan before, and my family paid back 100,000 yuan. I'll pay the remaining 60 thousand myself. It is expected to be returned this year. " So everyone in the group asked, "Brother, this year is already over half. How are you going to earn 60,000 yuan? How can I earn so much money? " So he kept silent about how to pay back the money.
There are so many people in debt, but the reasons for debt are similar to "training fees plus their own abnormal consumption", so there are more and more debts, more and more interest, the snowball of debt is getting bigger and bigger, and the pressure is getting bigger and bigger, which affects their own judgment of right and wrong, and even ultimately affects their world outlook on life.
I am an example myself. It was not until this year 10 that I finally paid off the debt of the training class.
20 16 10 I also signed up for an English training class at a cost of 34,999 yuan. At first, I was shocked when I saw this number. I think it's too expensive for me to buy. After all, the salary I just graduated for one year is only about 4K per month, and the total deposit is only 4,800 yuan, so I can't afford it.
So the salesman said, "honey, don't worry." Maybe you think it's expensive at first glance, but the course is two years, and one day is about 50 yuan, and we can pay by installments. " Then she did a scratch calculation on the calculator and said to me, "Honey, all you need is 1, 500 or so per person. You see, your salary is more than 4,000 yuan, and you can afford it, which is also an investment in yourself. Investing in yourself is the most worthwhile investment. So don't worry. "
Then I heard what she said. At first glance, yes, one month 1500. I should be able to bear it if I spend less. So I paid all my only deposit, 4800, as a down payment, and my credit card will be used until the payday next month.
But things are far from simple. 1500 tuition may be ok for a month or two, but a year or two is a great pressure, and I can't afford the accident in life. After a few months, my back ached and I went to the hospital to take pictures. The doctor said that I had a herniated lumbar disc and asked me to stay in bed for two or three months. I work alone in Shenzhen, and I have to pay living expenses, rent and training fees every month. How can I rest? So the doctor said, "Then you still need money when you die." When I left the hospital that day, everyone was confused and didn't know what to do.
Maybe it's my waist. I sprained my ankle when I went to work to catch the subway downstairs, and my ankle was so swollen that I couldn't touch the ground immediately. So I jumped out of the subway station with one foot and bought Yunnan Baiyao spray with my motorcycle. I clearly remember the scene where I hopped on one foot in the subway. Passers-by cast strange eyes, but no one was willing to help.
I remember that the Yunnan Baiyao spray I bought at that time was only 38 yuan left in my Alipay, and I gave my boss 2 yuan less. After that, I went to the hospital for filming, and all the people who bought the medicine were borrowed by friends. Later, on the repayment date, my girlfriend borrowed 1500.
When I arrived at the hospital, the doctor said that my feet should rest at home for more than half a month. At that time, I really felt unlucky. My mother was ill in hospital and nobody took care of her. So he resigned and went home to take care of his mother around 65438+February. At that time, I looked at my mother who was ill in bed and really felt weak.
However, as soon as I resigned, I found out how stressful it was. You may not have to spend living expenses in your hometown, but in Shenzhen, the rent for unpaid houses is 600 yuan per month, and the training fee for training courses is 1500 yuan per month. I can't bear to tell my family. So during the Spring Festival, I borrowed money from people everywhere. Even my best friend's wedding gift was 600 yuan from my sister.
I clearly remember that on the day of repayment of the training class, the bank called me and said, "Ms. Zou Lingzhi, you haven't paid it back this month." I said that I have no job and no money now, so the female voice on the other end of the phone said, "Please repay as soon as possible, or I will contact your family to help you repay. We have your registered ID card and contact information of your family. If you don't return it within the time limit, it will also affect your future credit. " So I had to borrow 2000 from the primary school in the same village.
The Spring Festival that year was the most painful and lonely time for me. I didn't earn any money for my grandparents, but my mother gave me money to give it to them, not to mention my parents at home. At that time, I desperately hoped that the New Year would pass quickly, and I wanted to find a new job to earn money.
2065438+On March 6th, 2007, I started to work. Although I am not very satisfied, I want to resign, but I can't. I must pay off my debts. So from March last year to now, the first thing to pay wages every month is to pay back the money. When I just graduated, I would like to buy two or three hundred autumn clothes and eight or nine hundred coats. But two or three years after graduation, I dare not buy new clothes because I am still in debt.
I will also sigh to myself, "Why is it that the longer I graduate, the harder my life is?"
Ask yourself why you spent so much money to learn English in the first place.
One of the main reasons is that the vision and thinking are too narrow and simple, the concept of staging is too little, and there is no plan for your own money. The salesman told me that the installment payment in the training fee is the biggest trap. I thought it would be solved in a month or two, but I didn't expect the two-year repayment to be like a mountain on my shoulder day and night.
It is precisely because I don't have a correct view of money that I signed up for one training class after another, and I spent my energy without making any progress.
Of course, it's not to encourage everyone to say that the training class is not good, because we still have to maintain our learning ability after graduation, perhaps to improve our competitiveness in the workplace or to change careers. We all have to spend time studying privately, and the training class is undoubtedly a good way. Therefore, if you really want to spend money on training courses, you must avoid "whether the experience and ability you want to learn are just needed, just needed, just needed", and say the important things three times. If it doesn't directly affect your career future planning, there is no need to spend a lot of money on training courses. Even if you want to participate, you have to wait until you have a little economic foundation.
Now when I go to the training class, I occasionally hear people who have signed up say, "I want to learn English because I want to know a little English when I travel abroad in the future." If you spend tens of thousands of dollars to sign up for classes just for traveling abroad, one reason is whether you can persist, and there are a lot of tuition fees just for traveling, which is not worth it.
I often see on the official account of WeChat WeChat that "which classmate learned English and went directly to a foreign company, and his salary doubled. Don't you still learn English? " There are many English majors who don't want it now. If you are not an English major, English alone can double your salary. Such a good thing is hard to fall on yourself anyway.
Now, although my salary is not high, I have a better understanding of money, especially after reading Qian Qian dogs, rich fathers and poor fathers and other related financial books last year. These books are really good books for financial enlightenment. Now my attitude towards money will be much better than the previous two years. In addition to paying the training fee every month, every month 1500-2000 is invested in the index fund, and the rest of the money is divided into living expenses, transportation expenses and rent. Life has gradually improved.
Even if I have enough money to pay off the training course, I will still pay it back in installments. Not interested anyway. The extra money might as well be put in the money fund. Even if it's only a few cents a day, don't underestimate it. Talk is better than nothing. After all, the fifty cents you don't care about is the interest of 5000 yuan a day. Of course, if your installment pays interest every month, you must pay it back as soon as possible.
It is precisely because I have suffered losses before that I will cherish every penny now, because I know that every penny is my hard-earned money. I spent precious time and youth to get it. As for the cost of the training course, I have to study harder to be worthy of the time and money spent. Think about it, every day is a fixed cost in 50 yuan. I feel extravagant if I don't study for a day, so I should be careful when making luxury decisions in the future.