Be careful to consume indebted destroyed you! 5 methods save your debt crisis

An article that sees a few days ago: Consume can to be sold than passing ahead of schedule, eroding this generation youth in little.

Of terms of payment convenient, those who brought consumption is blind. The mobile phone is swept gently, LV, Chanel, TF... all in one's hand, when flower, white, when sheet of credit card Zhang comes, in installment, again in installment, even " tear open east wall, fill on the west wall " . "Chop hand " cannot stop, continue " buy buy buy " ...

Beautiful money really very bright, but still do not have money, meet however very miserable.

The bank that collect abundant published a group of data, 90 hind total population has 171.5 million, average per capita is indebted one hundred and twenty-seven thousand nine hundred, indebted amount is adjacent 22 trillion.

Who is the surface shine brightly alive beautiful, actually already was reduced " 1 million negative old man " .

Terrible is, crisis of defect of a lot of person still does not know oneself however.

Major person sees only consume brought pleasure ahead of schedule, however oversight be in debt to accumulate hill already.

The indebted crisis that erupts possibly at any time

Consumption is in debt to resemble an active volcano that is about to erupt, terrible is, you still are looking forward to blind the beautiful scenery of the summit, agitato climbs toward crater.

This be close to the crisis " volcanic " , have much dreariness after all? Is consumption is in debt how little finish your?

" the mom that can make money " Kelisiteer Panen has said the author: Do not be in debt for the any beyond the house forever.

Why? Because besides the house, the profit that any liabilities generate, cannot surmount the interest of high specified number that its generate.

You overdrew for bag of bag of a set limit to today the salary of a few months, spend the salary of more future possibly tomorrow for mobile phone of a new fund. Consumption upgrades ceaselessly, the desire expands ceaselessly, zhang odd amount is climbed ceaselessly litre, your only outlet is in installment, lowermost reimbursement, raise in order to borrow borrow, take show reimbursement to assume risk of exceed the time limit even...

Do you know in installment doesn't poundage represent effective interest rate?

Be wrong! You every month should return 1200*0.8%=9.6 more yuan, poundage is with Zhang sheet amount comes 1200 yuan calculative. That is to say, of the first month year change interest rate to be 12*9.6/1200=9.6% . But arrived the 2nd month, your place debt has turned into 1100 yuan, pay Zhang odd amount 1200 yuan poundage even however, year changed interest rate to turn into 12*9.6/1100=10.47% . The 3rd changed interest rate month years to become 12*9.6/1000=11.52% ... dozenth change interest rate month years to had been as high as 12*9.6/100=115.2% !

Every month is in of reimbursement you, place debt is decreasing, but the poundage that need pays is calculated for base with 1200 yuan however, finally of 12 months year change interest rate to come down on average, had been as high as 28.84% ! The poundage rate that sees than you broke up a few times!

If according to reimbursement of lowermost reimbursement specified amount? The capital that whether you know to was not returned is with extremely the day news settle accounts of 2.5, and every month has principal and interest compound interest calculative!

A what concept is compound interest? Has the story that places grain of rice on chessboard heard of? Of the first case rice, to the 8th case already time to 100 times much still! As the elapse of time, indebted with times fast increase by degrees, how long can be have more than is needed achieved astronomical!

The force of compound interest

The force of compound interest

Extremely the day of 2.5 ceases, namely the monthly interest of 0.75% , if benefit rolls benefit 1 year, interest rate will be amounted to 9.38% , boil 2 years, interest rate is 19.64% ... same, the principal and interest after 8 years can break up one times much! And be used to because of undesirable consumption, you every month still has the Zhang sheet that adds newly ceaselessly, so have more than is needed one year, your be in debt to be able to collapse you!

No less, credit card is taken now, also press breath of compound interest plan not only, even collection is taken show poundage, join plan breath foundation with chronometer!

Look the investment reason property on market is tasted now, the return rate that can achieve 10% above has been rare, and your consumption is indebted, let you bear an interest that approachs day value however!

Indebted this snowball rolls bigger more, you are pushed do not move, escape downward only, until drop into abyss. And the fountainhead of all these, because you are consumed actuationly temporarily,the likelihood is merely.

Once consumption is indebted,make a habit, meet with debt make a thorough break thoroughly extremely difficult. We are more than should face " enter frugal by excessive " difficult, should face more indebted the force with which sth breaks out of this snowball is billowy. So seasonable brake, should break break, it is only alternative!

There is a theory in economics, be called " current situation bias " . Those who say is we often are met overmeasure is current the value of the circumstance, and the significance that underestimated future. Once choose indebted consumption, your meeting overmeasure consumes brought joy at once, the dreariness that underestimates debt crisis to issue half a lifetime to you is held accuse!

When the choice appears support industry endowment, you had not thought this month still has a lot of necessary expenditure, think bought thing is not bought forever, your Zhang sheet will face the risk that still is not over forever.

Choice in installment, handle new card, even credit card is taken when showing, you had not calculated the poundage of generation carefully to be able to bring greater pressure, the life that rolls more interest to be able to affect you even more is necessary expenditure.

You think you are brushed those who go up is life character, but actually, you are brushed went down the likelihood of more future happiness.

Ramble skyline forum, see a firm unemployment, be in debt the angst that the person of 100 thousand pours out him heart in hair post all the time: "Feel particularly anxious to night, enter Mian hard, really tired go off of ability reluctance ground, in the center nightmare again and again, cannot have slept, wake up feel special anxiety, this kind of day feels live well is tired, when be just build. " " eat bad to sleep bad, one day does not eat to also did not feel hunger, the injury person with the true setback on the heart. " ...

When indebted very closely associated with each other, let you cannot see an outlet, major person is met wrong road of full of remorse, trend strangers even. Female undergraduate for reimbursement, the choice is naked borrow the news common occurance that walks the street even, age gently, the threaten by force that because be overcome,urges paragraph person and choose the suicide also there are plenty of such people.

And the fountainhead of all these, because,the likelihood is merely mobile phone of an a lipstick, new fund, next the deficit of debt pulls larger more, your deviate life orbit, confused, helpless, angst is full of the life, do not know finally how wind up.

At the beginning, you just overdrew salary, to finally, however little overdrew to issue half a lifetime.

Because of an a lipstick, luxury, happy a period of time, it is angst of repay a debt however all one's life. If at the outset did you keep back? The meeting is temporarily depressed perhaps a few months, but when the money that with oneself when you assemble comes down buys beloved thing, the joy that believes you also is met double, your life palm accuses feeling, ego to know the same feeling also will stronger.

Of again and again was in debt to bring weigh of economy, spirit not only, let you extremely likely still walk up " break one's promise " do not put in a road 's charge.

End travel data shows, to 2018 the 3rd quarter, half an year of exceed the time limit of our country credit card not countervail credit total is as high as 88.1 billion yuan, annulus comparing grows 16.43% . This one word is in 8 years grew nearly 10 times!

In the 90 loan crowds after, the person that has had nearly 47.2% has produced exceed the time limit, and prep above of frequency of exceed the time limit the crowd of 10 above, occupy than achieving 4% !

Break one's promise what consequence can you have? Be included blacklist, account, belongings is frozen, buy room, consumption, journey to be able to suffer be restricted, a travel means such as car, train, plane do not have a predestined relationship with you from now on. Because of issue of grade of sesame seed credence, you should be used repeatedly share bicycle to be at a loss what to do. Break his promise for a long time, the person that defaults debt, want to assume the fine of high specified number not only, and highest can sentence 7 years of set term of imprisonments.

Liu Jiang Dongceng passes via saying, want to realize financial freedom, have to admonish at any time oneself: Did not come to be abandoned now! The brief joy when wanting to be expended for disappear, and abandon the happiness with firm future, more not to cast off liability defy the law, abandon freedom of all one's life, desertion the bottom line that be an upright person.

Do not let debt general your besiege

When consumption, eye looks a bit further. Structure of life of keep expenditures within the limits of income, enlarge, it is the truth with put all accurate of great capacity.

If you are already deep-set debt crisis and do not know how get away, " doggie fund fund " a few critical proposals that offer in this book, will help somewhat to you:

Doggie fund fund says: "When most person is using credit card, the beautiful money when meeting comparing uses ready money wants much. " why? When because brush,getting stuck, you see the process that is less than money to become little, a thing too get easily, can allow the bitter price that person oversight backside pays.

If did not contain power enoughly, do not know financial program, that does not brush card and electronic consumption blindly. And when the snowball when debt rolls bigger more, the most effective method makes a prompt decision namely. The germ that broke debt -- credit card, flower, white, the net is borrowed... ability cut the weeds and dig up the roots.

Right, you were not misreaded, although in front we also had calculated, the interest that instalment should bear is very tall, but when facing the liability that has produced and the income that do not match, we still need from set out actually, count in installment lengthen, ease reimbursement pressure.

Say like doggie fund fund:

"People chooses every month to assume higher instalment specified number, it is to be paid off as soon as possible be in debt, but they did not reckon living cost will be so high.

If the money in the hand all the time very nervous, purchase big when need or when what thing became bad, they are obliged to come through borrowing money again liquidate the Zhang of these things is odd. They are obliged to come through borrowing money again liquidate the Zhang of these things is odd..

That is to say, overmeasure oneself indebted repay ability, often can be immersed in " raise in order to borrow borrow " vicious circle, cannot cast off debt forever. Jump out the only way of vicious circle, it is keep expenditures within the limits of income, do not give oneself pressure of too much reimbursement, reduce debt load as far as possible, just won't be immersed in new debt again in the center.

No matter how many liability is borne on the body, also want to remind oneself at any time: Your ultimate goal is not to pay off debt, realize more lives to wish however scene.

Say like doggie fund fund, when paying off debt, if your belongings is 0, namely penniless. But lifetime of camp of battalion of draw water of our draw water, not be for pursuit penniless ah!

Have so again much indebted, also cannot forget a dream, also should insist to be dreamy deposit. The income of every month, deduct basic living cost, the in part that remain is used at Wu of countervail repay a debt, the half is put rise.

Likelihood you now debt again and again, already in installment reimbursement specified amount falls lowest, deduct living cost and debt to still do not have balance, then you can try broaden sources of income and reduce expenditure, seek the way that increases income, cut perhaps living cost, even if put 100 to begin from every month, also be a kind of success!

Face the liability of again and again, we still cherish dream, hold to deposit, ability can have the hope of life and cause, ability won't be given to collapse by reality.

Bear on the person that consumes debt, often be too actuation when shop. "Is this necessary really? " it is a kind to remind, buy essential thing only when you, you just generate new needless debt not easily, your talent is early finance affairs of a day of implementation is free.

Remind oneself at any time, what is just the most important to oneself, ability is not easy indulge is excessive consumption, forgot the scenery of distance. Additional, we also can learn to learn strange flower to say the method of li of Jiangsaida:

When money buys: Like to like really

When doing not have money to buy: Bah! Really ugly!

What is just best life? That regains consciousness to know oneself namely. Reduce unnecessary burden, ability will be lightsome and your life is rich.

Read this my article when you, hope you act instantly! card of deposit of instead of terms of payment and cash, comb your debt, will in installment reimbursement specified amount pulls lowest, next keep expenditures within the limits of income, plan every deposit specified number of the month, change mobile phone screen to protect.

Begin instantly, succeeded half. Because:

When you decide to do a business, you must be in 72 finish in the hour, otherwise you are probable forever won't redo!