With a debt of 300,000, how can I turn over

First, when a person loses to a certain stage, there is nothing to be afraid of.

Failure, there is nothing to be afraid of, what you are afraid of is that you do not have the courage to face life, there is no rational planning of debts, how to pay off debts and start over, the shopkeeper will tell you about a little experience from his own past.

2. Avoid new debts.

Make a consumption record sheet by yourself, you can use paper every day, use **, or be a bookkeeping software. Look at your daily consumption, which are non-essential things, and which can be saved. At this time, do not use new debts such as credit, card loans, and Huabei to repay old debts.

Believe in Lao Gao's words: Loans to support loans are always debts that cannot be repaid. You need to make sure that you are within a safety line and don't make matters worse.

3. Liquidate all your current debts.

Sort out all the debts you have now. From housing loans, car loans, and credit card loans, to Huabei, utility bills, property fees, and friend loans. This purpose will help you to have a clear understanding of your current situation and be able to repay your debts in a planned manner.

4. Refers to the formulation of a repayment plan.

If you have interest, pay it off first, and high interest will cause your debt to grow quickly, and you may not be able to make money as fast as your debt increases. Pay off the small amount first, and see that the situation on your debt balance sheet is reduced, so you can be much less anxious.

The credit card is repaid first, and the overdue record caused by the credit card not being repaid for a long time will affect your personal credit report, which will have a great impact on your future loans.

Generally speaking, as long as the attitude is sincere and willing to repay, the bank will give you a little more grace time.

1. Actively learn.

Today's society is changing rapidly, a tuyere emerges in an endless stream, which outlet wants to seize the need for professional knowledge and skills, if you don't know what to do in the trough of life, then the most important thing to do is to actively learn.

2. Improve ability.

Summarize the reasons for your failure, reflect on what kind of ability you lack to get to this point, and then improve your ability in a targeted manner.

3. Reasonable repayment.

According to the specific situation, make a plan, negotiate all parties, and repay the debt reasonably.

4. Accumulate resources.

This period is the accumulation period of life, thick accumulation can be thin, not only to precipitate their knowledge and skills, improve their ability, but also to pay attention to the accumulation of contacts and resources.

5. Make a comeback and start a business.

In the business world, there are many people who have repeatedly failed and fought repeatedly, and have risen tenaciously from the trough to turn defeat into victory. Chu Shijian started his second business at the age of 74, Shi Yuzhu: From a debt of 100 million to a value of 50 billion, Wang Xing has been in business for more than 12 years, with almost no interruption, he is a serial entrepreneur, repeatedly defeated, and almost every time he starts a business, he leads the general trend of the Internet ......You're only 31 years old, and you can make a comeback by starting a business.

6. Completely quit bad habits.

A lot of people who owe money are bad habits and desires such as gambling, and they owe huge debts. You take the money from your credit card to lend, go to **. This is a serious speculative mentality, but it is no different from gambling.

In fact, there is also an element of gambling in starting a business. But some succeeded, some failed. In the final analysis, personal ability is poor and there is no ability to control affairs.

Therefore, it is important to improve personal abilities and skills.

1. Find a job and work hard, people who owe debts must be calm and work steadily, the income may not be too high, but at least you can maintain the necessary living expenses at present, and there is still a part of the surplus to pay off the debt slowly. If you are too ambitious, and you don't want to do it, then you can't look down on it, and repaying your debts can only be an empty slogan, which really doesn't help the reality at all.

2. If you have accumulated different debts, be sure to repay them from a loan with a high interest rate, if you happen to have spare money in your hands, or pay wages and bonuses, don't be in a hurry to treat yourself, it is better to repay the loan early.

3. Don't make high-risk investments, some people are too ambitious, unwilling to be low, and there is often a fluke mentality, so they are very interested in some high-risk and high-investment "projects". In fact, we have to understand that we are currently in debt, and it is no longer suitable to do this high-risk investment, such as ** tickets, gambling, etc., if we are deeply involved, maybe one day we will be more in debt. What we need to do now is to pay off our previous debts.

4. If you owe a huge amount of debt and only have ordinary working friends, the best way is to borrow from relatives and friends, and you can't get in the way, pay off the high-interest loan as soon as possible, give yourself a good attitude, not be disturbed by debt, and make money with peace of mind.

I am 37 years old, from the north to the south to foreign countries, a sentence of English can not be spoken, a word of Thai will not be known, three failures in China twice, Thailand once, Thailand I finally made the company 100 foreign employees 1,000 square meters of the company As a result, the employer suddenly withdrew I began to fill in with my own money, each time I was in debt of more than 100, this time at most, more than 300, share, I feel that I owe too little, first, I have a clear understanding of what I want, whether to start a business for money or to start a business for value, and second, the goal of entrepreneurship is not a sense of responsibilityFirst of all, tell everyone that you don't dodge, and are willing to go to jail or risk your life, second, it's not a lai, how much must not be a penny, third, make it clear to the family, no one in the family is allowed to help, starting a business is the same as leading soldiers to fight, and the disaster will not affect the family, and all the institutions and individuals make it clear, find my family to affect the family and not pay it back, and be willing to take any responsibility, and then what you have to do is, calm down, the way for me to survive is to communicate with me and have a vision of the world, Everyone should sort out their own value, remember, when turning over and choosing projects, you must not innovate and integrate ideas, do not change consumption habits, find demand, find the relationship between supply and demand as soon as possible, and make your value out, even if you give others as a dog, my principle when a dog I must find a powerful villain, this smart person has his own character, show your loyalty, and go all out to make money for others, remember to leave your master to borrow money, and, every day you must laugh from the heart, see everyone who says that buddy owes 3 million, it's really not much, When can I owe 1000-100 million, I have been waiting for the opportunity, people's lives are very delicate, what kind of person you are, what kind of person you become, it is very important, you must be crazy in your inner world, be a man and be a dog, realize the truth yourself, after I am in debt, everyone is a sheep in my eyes, I am just a sheepdog, feeding grass, and when the time comes, I want to eat meat.

Same. 33 years old, has a stable job, in order to help his father do business, he owes more than one million in debt, and now he is a repayment notice every day, and he has to face a repayment of 40,000 or 50,000 yuan with a monthly salary of 5,000. It's hard to get started. Every day I am scared.

I am the same age as you, currently in debt of about 1 million, 20 days a month are repayment days, and more than 23,000 per month, the key is that I haven't worked yet, divorced with two children, I can't bear it, let's work together.

I'm 32, with a debt of 1.2 million, and now I don't know what to do, and now I really don't even have the qualifications to die, because I ruined the family, and the children will not be able to live normally in the future.

Hey, I don't owe any money! But my old man owes hundreds of thousands to the bank! The family's money is all for me, and the old man went to contract the project, not only did he not make money, but he also lost money!

29 personal problems have not been solved! I'm still being complained about by my old man all day long! Say I don't work hard!

I feel so tired from living in this house!

I am the same age as you, and I am also in debt of millions, and I was trapped by my friends.

I have 36 debts of 110 I have been in business for several years and have done catering blockchain I made a little money at the beginning, but then I lost it all and now I feel hopeless.

I'm 95 years old. The first catenary was blocked, and after losing 30,000 of Jiufu WankaCredit card 25,000, paipai loan 16,000, borrow 40,000. Liabilities accrue in.

110,000 loads like this. Now I have a wife and children. It's stressful. Didn't work.

I owe more than 3 million in debt, a few months of sleepless, and now I have found several projects for myself, and I am ready to carry them out at the same time, do not invest, ensure my basic expenses every month, and slowly get better, and now I feel much better than in the previous months, I advise you to be confident.

I am 30 years old, with a debt of 1.5 million, because of blind investment, I can't tell my family now, every day is the repayment day, and I can't calm down to work and live, it's really difficult.

I am 35 years old, I have a house and a car, I don't have a mortgage or a car loan, but I feel like I can't live happily with the 500,000 yuan of credit loans

I am 31 years old, a year ago I was brought into the abyss of online gambling by a friend, lost 1.5 million, and now I also want to die, but I can't let go of my elderly parents, my wife and two young children, I am so depressed every day, I can't hold it anymore!

I'm more than a million in debt. I understand e-commerce, and I am relatively proficient, but the money is lost in e-commerce. I've been looking for opportunities in this industry, but now it's a repayment day every day, and I can't think about how to turn over.

I have 35 debts of 5 million, I thought about suicide, but I don't even have the capital to die, the dishonest person, it is already difficult to get up, I can't pay off my part-time job for 8 lifetimes, start a business and start a business, I fall again and again, I am basically desperate, I am currently at the bottom of the fifth fall, planning to commit suicide, and I don't even have the money to bury me at home after thinking about suicide.

32-year-old has a debt of about 1 million, how can I brother? What should I do now that I am penniless?

The age is the same as you, but I am less than 550,000, I don't know what to do, I am urged by ** as a whole, I have a splitting headache, and I can't let my family know, I don't know how you are doing now.

With a debt of 300,000 yuan and five credit cards, because I was simple-minded (stupid), I was instigated by my ex-husband step by step to coerce and induce five credit cards, and during my marriage of just five years, my credit card was swiped to 260,000 yuan. At the end of 2021, I ended my moneyless, loveless, and sexless marriage, raising my daughter on my own and taking on credit card debts in my own name.

With a debt of 300,000, can I turn over? At present, I am taking my 3-year-old daughter to do e-commerce to earn some living expenses. My daughter is too young, and I don't have much time and energy to work, so I have to take care of her eating, drinking, and Lazar. I didn't make any money in the year of separation, but it was just enough for my mother and mother to live.

Now that my daughter can go to kindergarten, I will have more time, and I will work hard to make money and pay off my debts as soon as possible.

Summary. Hello dear, I found out for you: a debt of 300,000 is a large amount, and you need to make a reasonable repayment plan and financial plan to get out of the predicament.

Here are some tips and considerations: Create a repayment plan: Make a list of all debts and create a detailed repayment plan.

Prioritize paying off high-interest debt, such as credit card debt, while making sure to pay at least some of the principal each month. Cut back on your expenses: Look at your living expenses and see what you can cut or omit.

For example, reduce the number of times you eat out or buy coffee, buy supermarket** items, etc. Remember to control your spending habits. Increase revenue:

If you really can't pay your debts, talk to your creditors as early as possible to explain your situation and ask for help. You can ask the creditor to make a more reasonable repayment plan for yourself.

Hello dear, I found out for you: a debt of 300,000 is a large amount, and you need to make a reasonable repayment plan and financial plan to get out of the predicament. Here are some suggestions and considerations:

Make a repayment plan: Make a list of all debts and create a detailed repayment plan. Prioritize paying off high-interest debt, such as credit card debt, while making sure to pay at least some of the principal each month.

Cut back on your expenses: Look at your living expenses and see what you can cut or omit. For example, reduce the number of times you go out to eat or buy coffee, buy supermarket** items, etc.

You can ask the creditor to make a more reasonable repayment plan for yourself.

Note: Avoid borrowing from informal channels, such as loan sharks, black market loans, etc. Don't blindly consume in the sedan chair, and make your own consumption budget.

Don't use credit cards as a means of payment to avoid increasing debt. Maintain a good repayment record and develop good financial habits.