What should I do if I pay off more and more debts and my part time salary is never enough?

Heavily indebted, with income far from spending, or even cutting off income, this is the status quo of many young people, middle-aged people in their early 30s.

I have heard many examples of this myself.

There are always various reasons for being in debt.

encountered an accident and failed to start a business, but most of them lost themselves because of overdraft consumption, online loans, and online gambling.

When you are chic, you may start a business for 1 year and play for 3 years, and you may earn 2,000 in five minutes with your fingers, and 30,000 yuan a day.

When you are down, you can't take out 500 yuan.

If there is a regret medicine in the world, I believe many people will buy it.

Many people comfort themselves that the poorest are nothing more than food, and that they will eventually come out if they don't die.

There are also many people who choose to be numb, and they can laugh with their family and friends when they are in the scenery, and they dare not go out when they are down, and they can't smile at their children at home.

Many people find it very boring, the little money at work is boring, and doing things is boring.

There are also those who choose extremes, run away, commit suicide, go to jail, and go astray.

Heavily in debt, life still has to go on.

You know, it's not that easy to get up.

It is easy for people to bow their heads in reality, and at this time, it is very important to have a little backbone and a little goal - for themselves, for their wives and children, and their parents.

Pay off your debts and work hard to earn money.

Many people can't make money because they have no way, all walks of life have their own way, but if you are not relatives, others will basically not reveal it to you.

Some positions require professional skills, professional talents, and it is not that you can do it if you want to.

Therefore, to find opportunities to make money, you need to combine yourself and learn what you can grasp.

It's useless to work behind closed doors, and you don't have the luxury of expecting other people's good projects to start a business with you.

Take the right path more, learn more about one channel and one more method.

How do I pay my credit card after it is overdue?

Don't worry about debt, there are a few suggestions:

1. Find a way to make money to repay as much as possible, you can turn it over to relatives and friends, and then pay it off in one go.

2. Take the initiative to contact the bank to explain the overdue situation and strive for the opportunity of interest-free installment.

3. Work hard to increase income and reduce unnecessary expenses.

4. Sort out debts, reasonably plan repayment, and avoid prosecution. If you are stuck in credit card debt, you can pay attention to "Debt Don't Worry", which has solved the problem for tens of thousands of cardholders who are deeply in debt.

Three yellow chicken, pig's trotters, pork belly slices, ginger slices, chives, soy sauce, rice wine, chicken powder, rock sugar, cooking oil, casserole, aluminum foil, salt.

First, use a knife to cut the pig's trotters into ten pieces along the bone seam lines, if you don't grasp it well, you can also chop it with a bone chopping knife.

Spread the ginger slices on the very bottom of the casserole.

Spread the sliced pork belly on top of the ginger slices.

The pork belly slices are topped with chopped pork trotters.

Stuff two slices of ginger and two chives into the bore of the chicken.

Place the chicken breast side up on the pig's trotters in the casserole and top with a few chives.

Pour a little cooking oil into the stir-fry spoon on the fire, about 10 grams, then pour in rock sugar and stir-fry, and fry until light yellow after saccharification.

After the rock sugar is fried, pour in more than half of the Shaoxing rice wine and soy sauce.

When pouring rice wine, the sugar will solidify when it is cold, but it doesn't matter, the sugar will naturally melt again after the wine and soy sauce are boiled, and finally pour in the chicken powder and stir well.

Pour the boiled soup over the chicken.

Pour a little rice wine into the casserole.

Cover the casserole with a piece of aluminum foil, cover the casserole first, and press the lid firmly.

Fold the excess around the aluminum foil so that it closes the edge of the casserole, and be sure to seal it well so that it does not leak.

Stir-fry the salt in another pot, and then change to low heat after the salt is hot, the lower the heat, the better.

Place the casserole on top of the salt in the iron pan.

The simmering time is about six hours.

After six hours, the lid can be lifted.

Lift the lid and remove the foil.

Put the casserole on a tray and serve.

The chicken is very crispy, and it can be deboned with a light pinch of chopsticks.

Tips. Fairy chicken features; The color is beautiful, the aroma is rich, the chicken body is complete, the original taste, the taste is attractive, it melts in the mouth, it is nutritious, and it is very delicious.

2) Seasoning only use Shaoxing rice wine or Shanghai rice wine, soy sauce, rock sugar, ginger slices, chives, chicken powder or chicken essence, do not put any additional seasoning, let alone add water, the chicken will overflow the soup after simmering over a slight fire, this dish is characterized by a fully enclosed slow simmer, only to keep the original chicken will have a special flavor of deliciousness. When operating, it must be stewed with salt, and the casserole must not be directly in contact with the fire, otherwise it will be partially scorched and destroy the delicious taste of the fairy chicken.

3) After the chicken is cooked, be careful when lifting the aluminum foil, after six hours of stewing, the temperature inside is very high, and the steam is easy to burn, so be extra careful.

Don't put pressure on yourself to make a plan first, distribute it according to the months and years, accumulate a lot, and work hard to pay now.

You don't need to spend what you don't need for ordinary consumption, believe that wages are constantly growing, and have enough confidence in yourself.

It will definitely be paid off in a few years.

There is no difficulty that cannot be overcome, if one job is not good, then two, hard work is certain, but when you get paid, you will know that everything is worth it.

If it is borrowed by a loan shark, it will definitely not be able to pay it off, so it is necessary to find out. If it is a road loan, you can call the police.

Legal analysis: If the salary is not enough to repay the debt, you can negotiate with the creditor to repay the loan in installments or deferred repayment. When the salary is not enough to repay the debt, first of all, you can negotiate with the creditor in a sincere manner, and if you reach an agreement, you can agree to repay the loan in installments or extend the repayment period.

If the negotiation fails, a lawsuit can be filed with the court. The court will make a judgment based on the specific property situation of the debtor and the request of the creditor.

Legal basis: The parties must perform on legally effective civil judgments and rulings under Article 236 of the Civil Procedure Law of the People's Republic of China. If one party refuses to perform, the other party may apply to the people's court for enforcement, or the adjudicator may move the bridge and send the executor for enforcement.

The parties must perform the mediation document and other legal documents that shall be enforced by the people's courts. If one party refuses to perform, the other party may apply to the people's court for enforcement. Article 241:Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, they shall report on their current and property situation in the year prior to receiving the enforcement notice.

Where the person subject to enforcement refuses to report or makes a false report, the people's court may fine or detain the person subject to enforcement or his legally-designated person, the principal responsible person of the relevant unit, or the directly responsible personnel on the basis of the severity of the circumstances. Article 242:Where the person subject to enforcement fails to perform the obligations set forth in the legal document in accordance with the enforcement notice, the people's court has the right to inquire about the property of the person subject to enforcement, such as deposits, bonds, **, and **shares, from the relevant units. The people's courts have the right to seize, freeze, transfer, or sell the property of the person subject to enforcement according to different circumstances.

People's courts must not inquire about, seize, freeze, transfer, or sell property beyond the scope of the obligations that the person subject to enforcement shall perform. When a people's court decides to seize, freeze, or transfer assets that have been converted into a private stove, it shall make a ruling and issue a notice of assistance in enforcement, and the relevant units must handle it. Article 243:Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, the people's court has the right to withhold and withdraw the portion of the income that the person subject to enforcement shall perform on the obligation.

However, the necessary living expenses of the person subject to enforcement and the family members he or she supports shall be retained. When a people's court withholds or withdraws income, it shall make a ruling and issue a notice of assistance in enforcement, which must be handled by the unit to which the person subject to enforcement, banks, credit cooperatives, and other units with savings operations belong. Article 244:Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, the people's court has the right to seal, seize, freeze, auction, or sell the part of the property that the person subject to enforcement shall perform the obligations of.

However, the necessities of life for the person subject to enforcement and the family members they support shall be retained.

The people's court shall make a ruling on the adoption of the measures in the preceding paragraph.

For many young people, the most painful thing today is debt. Whether it is to buy a house, a car, or a bride price for marriage, etc., young people can only borrow money from others to achieve it without sufficient savings, so they enter a situation of daily pain in order to pay off their debts. So today, let's see what should we do if the conditions at home are not very good, I still owe a lot of debts, and my salary is not enough to pay back?

1.Slowly develop a good consumption habit.

Trust that your personal debt will be resolved slowly. It is a long-term accumulation process, and a person's habits are not easy to develop. But if you spend less money and don't spend it through the changes and efforts you make now, then you can repay more of the money you saved and slowly adapt to such a lifestyle change.

I believe that one day you will be able to pay off your personal debts and save some of the remaining money for investment. This is something we need to change and do. Everyone may have some personal debts, but as long as it is within their control, there is no problem.

But if it's out of control, try to sort out their debts.

2.Maintain a positive and optimistic attitude.

The mindset after debt is actually the most important thing. If you can't adjust your mentality, your daily life will be miserable. As the saying goes, even if the house leaks, it will rain all night.

If you don't face it positively, your life will only get worse. So, no matter what happens in life, we have to face it positively. There is always hope in life, and there is always sunshine after the storm.

3.Be honest with your family.

Whether you are a young entrepreneur or a girl, an adult uncle with a family, a housewife, etc. No matter what reason you are in debt, you must choose to confess to your family. Some people will suspect that they don't have the money to help me pay it back.

What's the point of worrying about one person more? In fact, I believe that this is not the same as a person's feeling about family commitment, a person's own commitment is not only overwhelmed by debt, but also tries to hide the family for fear of revealing the truth. Over time, the spirit may break down.

I think everyone should choose their own consumption method according to their own income, and if your family conditions are not good, your job is generally not overspending.

You can choose to open a credit card, take out a loan from a bank, or borrow money from someone else to get another job.

After the debtor owes the money, it needs to fulfill the repayment obligation in accordance with the contract. If you really can't afford to repay, you can directly negotiate with the creditor about repayment, and strive to reduce the interest or repay the loan in installments.

Legal basis

Article 675 of the Civil Code stipulates that the borrower shall return the loan within the agreed time limit. If there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return the loan within a reasonable period of time.

Legal analysis: After the debtor owes the money, it needs to fulfill the repayment obligation in accordance with the contract.

If you are really unable to repay, you can directly negotiate with the creditor about repayment, and strive to reduce the interest or repay the loan by installments.

Legal basis: Article 675 of the Civil Code of the People's Republic of China The borrower shall return the loan within the agreed time limit. If there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return the lease at any time; The lender may demand the borrower to return it within a reasonable period of time.

If the creditor applies to the court for enforcement, it does not mean that the creditor's rights will be realized, and if the person subject to enforcement is indeed incapable of performing, the court can also suspend the enforcement, and the enforcement can be resumed at any time after the property of the person subject to enforcement is discovered.

Legal analysisIf the enforcement has no effect, the court can conclude the case with the end of this enforcement, and when it is found that the person subject to enforcement has money, it can re-enforce it. As the person applying for enforcement, he or she enjoys the following rights and obligations during the enforcement of the case: 1. During the enforcement period of the case, the person applying for enforcement shall provide the people's court with any information about the property status or property clues of the person subject to enforcement.

If the people's court ascertains that the person subject to enforcement is temporarily incapable of performing and the applicant for enforcement fails to provide property clues within one month of receiving the notice from the people's court, the people's court will terminate the enforcement procedure in accordance with law, and if the circumstances of the termination disappear, it may apply for resumption of enforcement. 2. Whether the obligations set forth in the effective legal documents can be fully fulfilled depends on whether the person subject to enforcement has property that can be used for enforcement. Where the person subject to enforcement truly lacks the ability to perform or the ability to perform is insufficient, and the people's court is unable to find the property of the person subject to enforcement that can be used for enforcement, and the person applying for enforcement is unable to provide clues about the property that can be used for enforcement, the person applying for enforcement needs to bear the consequences of the failure to realize the rights determined in the effective legal documents.

3. The person applying for enforcement shall actively cooperate with the people's court's enforcement work during the enforcement process, and the group shall appear on time after being notified by the people's court. If it is necessary to entrust the person, the person should provide a power of attorney and clarify the matters and authority.

Legal basisCivil Procedure Law of the People's Republic of China Article 256:In any of the following circumstances, the people's court shall rule to suspend enforcement: (1) the applicant indicates that enforcement may be extended; (2) Where a person not involved in the case raises a well-founded objection to the subject matter of enforcement; (3) The death of a citizen who is a party and it is necessary to wait for the heirs to inherit the rights or assume the obligations; (4) Where a legal person or other organization that is a party is terminated, and the successor of rights and obligations has not yet been determined; (5) Other circumstances where the people's court finds that enforcement should be suspended. After the suspension disappears, the execution resumes.