First of all, we must strengthen our confidence in living.
As the saying goes, if you keep the green hills, you will not be afraid of no firewood. We need to know that no one can be smooth in life. Indeed, when a person is hit by failure, he is now penniless, and even has reached the point where he cannot even borrow money.
Then I believe that at this moment, this person must feel very pessimistic and desperate. He must have fallen into an extremely pessimistic mood. Even some people have felt that life is beyond love. In the end, there are indeed many people who choose not to return.
So when a person is really penniless and can't even borrow money, the first thing to do is to strengthen their confidence in living. We must firmly believe that living is better than dying. Because only by living can we see the sun of tomorrow and have the hope and possibility of success.
Second, try to seek outside help.
As the old saying goes, God helps those who help themselves. If we are really penniless now, we can't even borrow a penny. Now, of course, the most urgent thing for us is to eat our own stomach first. Then, go to a good place and have a good sleep. The most direct way is to call 110 and ask the police for help.
Of course, in addition to asking for help from the police, we can also ask for help from our other relatives, friends, colleagues and classmates. As the old saying goes: Honesty and empathy. At present, if we really have reached the point of exhaustion. Then I believe that our relatives and friends will not refuse to save their lives.
If they are really unwilling to help us, we need not be discouraged. You should know that adversity shows true friendship. At least, we now know who our true relatives and friends are.
Finally, we should do everything we can to save ourselves.
As the old saying goes, it is better to ask for others than for yourself. We should know that others can only help us for a while, but not for a lifetime. In the end, if we want to turn over completely, we must rely on ourselves. Otherwise, if we are just an Ah Dou who cannot support us, even Zhuge Kongming will not save us.
There are many ways to help yourself, such as working as a part-time worker or doing some small business on your own. The worst thing is to go begging. Many people will feel that it must be a shame to be a beggar. However, we must know that the situation is pressing.
We owe a lot of money, so we have no way to invest quickly. Don't use loans to support loans. We should focus on the key points, increase income and reduce expenditure, find out the family background comprehensively, and seek help.
1. Don't use loans to support loans
Try not to generate new debts. If there are bad habits such as gambling and comparison, eliminate them in time. Many people owe debts that they can't pay, either because of gambling or because of buying. When the money was spent, it was very smart. When the repayment date came, it was a tragedy.
2. Grasp the key points
The income and expenditure statement and balance sheet of individuals/households interact with each other. Whether the "annual balance" after the break even is positive or negative, more or less, will have a direct impact on the balance sheet.
3. Increase income and reduce expenditure
On the one hand, we should find ways to increase income. There are two ways to increase income: one is to mention working income, such as striving for promotion and salary increase, or increasing working income through part-time work; Second, increase investment income. For example, we can improve the overall asset yield by adjusting asset allocation, reducing the proportion of liquid assets and increasing the proportion of investment assets.
4. Find out the family background comprehensively
Lao Tzu said that those who know others are wise, and those who know themselves are wise. The same applies to solving debt problems. If you have a comprehensive and in-depth understanding of your personal or family's income and expenditure, assets and liabilities, then the solution to the debt problem is often ready.
5. Ask for help
If it is really difficult to repay, you can try to negotiate with the loan platform to repay, explain your existing difficulties in a sincere manner and inform the repayment plan, and strive to negotiate for extension or apply for reduction of part of the loan interest. For platforms with an annual interest rate of more than 36%, if the platform still wants to get back the principal, there will be a lot of room for negotiation.
If you have family members, go home. If you don't have money, turn to the people's police. They will help you get in touch with your family members. Your family members will help you get through the difficulties. They don't care whether you can earn a lot of money. It's good to be healthy.
If you are an orphan, it is OK to find a restaurant. There must be food and accommodation. The boss must also have good people. If you look for them one by one, there must be work to do. Work first, work slowly, and start from scratch.
If you can't do anything because of your health, please ask for help. There are many kind-hearted people on TV or the Internet or crowdfunding. Tell everyone about your real situation and difficulties, and help them as much as you can.
