What should I do if I have worked for many years and have nothing, but I am in debt of more than 10,

I think you can find a more relaxed job, you can also be more successful or you can go to food delivery, so that you can pay off all your debts.

Arrange your life reasonably, repay the loan as soon as possible, and live economically, so that you can make your life more regular.

Arrange your own life, avoid excessive waste, and arrange your expenses reasonably, so that you can better solve the problem.

Isn't this a common phenomenon in today's society? I've seen statistics before, and the average income of the post-90s generation is in debt! If you don't have money, if you don't have the ability, you can only work, if you have the ability, you can take out a loan or borrow money to start some relatively stable small business!

Don't be naïve enough to think that those millionaires, billionaires, all started out with nothing! Even if there are, they are only a very small number of capable people! Every day the road leads to Rome, but some people are born in Rome, do you say they are angry?

If I were given another chance, I wouldn't choose to study and start a business, I'm too tired. The business is heavily in debt. Run...

Maybe that's why.

1.Work: This refers to some of the jobs of our ordinary people, such as "security guard", "delivery man", "courier", factory "general worker" and other jobs, which basically belong to the lowest level and also belong to the work without technical content, with little income, can only support themselves, and has no future at all.

2.Salary: Here, as above, the salary of these ordinary jobs is several thousand yuan a month, which also refers to the salary only available in first-tier cities such as "Beijing, Shanghai and Guangzhou".

3.Development: The opportunities for development and promotion in these jobs are very small, or even none.

4.Learning: These jobs basically don't learn anything valuable, that is, jobs that exchange time for wages.

5.Angry: It is an indisputable fact that part-time workers are angry, especially the low-level "workers", and there is no way to call themselves incapable.

6.Life: We ordinary workers can only be called survival, basically no life.

Summary: Part-time work to make less money, angry, long working hours, if you choose to start a business is more unrealistic, because there is no capital and no network experience, the only way is to use the spare time to learn some technical skills to improve yourself, improve yourself in order to have more opportunities to choose.

This is a problem that many young people have at present, and now that the problem has arisen. Then we need to reflect on our calling. Only by finding the problem can we find a way to deal with it.

We should work hard to develop our side hustle and find a way to make money that suits us in our side hustle.

First, let's reflect on what is causing our debt? Is it because the business failed and lost money? Or is it because of unplanned high consumption, which leads to making ends meet?

Over time, you become heavily indebted? Or because of some special circumstances in the family, such as a family member suffering from a serious illness, having to pay high medical expenses and leaving him in debt.

Either way, it's worth pondering. For example, if you fail to start a business and lose money, then you have to reflect on whether what you choose to do is beyond your ability, or do you blindly follow the trend without a deep understanding of a certain industry? This is a particularly dangerous thing to do, or rather, to start a business that is out of your budget.

For those with a salary of only a few thousand and no strong financial support from the family, it is not recommended to make a large start-up budget.

These are all things that deserve our deep reflection. So, if you feel that you have no future at work and have no conditions to continue to start a business in the case of debt, how to deal with it? Here are two suggestions:

You can choose projects that are low-cost, can maximize cash flow, and are sustainable. For example: setting up stalls, there are also many people who rely on stalls to make a comeback, but you have to bear hardships and stand hard work in this matter.

If you are thin-skinned and can't endure hardship, it is not recommended, because in the early stage of setting up a stall, you also have no customer suspicion, and you have to shout on the side of the road to attract attention.

If the resources around you are not bad, and the friends around you are also good, you can humbly ask your friends for advice, of course, this is difficult, basically impossible, because there is no willingness to tell you how to succeed. You might as well worship under the door of successful people, learn from the successful experience of others, and then compare yourself, you are not in place to cause failure.

Without planning, it is terrible to spend arbitrarily, and the money in your hands will flow through your fingers like sand. Especially in today's environment, business is becoming more and more difficult to do, it is more and more difficult to make money, and it is necessary to plan reasonably.

Otherwise, a meal, a piece of clothing may cost you a month's salary, and before the end of the month, the money will be gone. Next, I have to rely on swiping cards to get by. Looking back, is this how your debt came from?

You should work hard, you can change jobs in exchange for some jobs with higher salaries, and then slowly earn money to pay off these debts.

For some people, 10,000 yuan is not too much, as long as you work in the right direction, you can still pay it off in just a few months. Some families in remote rural areas may have to pay back 10,000 yuan until the end of the year. And for some working-class people, there is a salary to be paid every month, so 10,000 yuan is still okay.

There is nothing in debt, as long as you don't get discouraged, have a heart that wants to struggle, and work hard for it. During the period of debt repayment, you can find some extra work to do, and if you do well in some industries, you can still make a lot of money, and it is expected that you can pay off your foreign debts soon, and at the same time, you can also make yourself rich faster.

To use an analogy: in some.

In third- and fourth-tier cities, one month's salary.

Three or four thousand, excluding living expenses and other expenses, there may be about 1,000 yuan left, and 10,000 yuan can be paid off within a year, but if it is in a first-tier city, the most basic salary per month is.

Five or six thousand, excluding living expenses and other expenses, can save about 2,000 yuan, then you can also pay off your debts within this year. So when you are in debt, don't go to pain, calculate how long it will take to pay off 10,000 yuan, and you can split the 10,000 yuan into each month according to your actual situation, and think about how much money you want to save in the next month? It's important how soon it can be paid off.

The subtlety of life lies in living delicately and being organized everywhere, so it is not very difficult to solve things before solving a thing, accounting what to do each month and every day, and turning big goals into small goals. Similarly, 10,000 yuan is also treated in this way, so that you can pay off your debts in the near future and make your life more planned, why not?

With the change of consumption habits and the diversification of living needs, the per capita debt ratio is gradually rising, and the main reason for the increasing number of people in debt is the formation of advanced consumption concepts, the enrichment of loan channels and the improvement of loan demand.

If you already have liabilities, the following information is for your reference:

1. After the debt, you must first calculate how much you owe, and remember not to make a confused account;

2. According to their actual situation, they should come up with a feasible repayment plan and plan, such as how long the plan will be repaid, how much to repay each month, etc., so that they know in their hearts, and then negotiate with the creditor to deal with it;

3. Combine your monthly repayment goals and try to find a job that suits you and pays as much as possible. If a single main job does not meet the income requirements, you need to consider increasing your income from a side hustle;

4. During the repayment of debts, remember not to add new accounts to old accounts, and consume appropriately in moderation, and try to avoid unnecessary risks to avoid the re-accumulation of debts.