When Guan Yalian was at work, a series of three colleagues came to talk about the portal.

On Saturdays and Sundays, either a colleague gets married, or a colleague marries his or her children, which portal gets at least 100 yuan, and under normal circumstances, it costs 200 yuan.

Where is Guan Yalian's money now!

As soon as she got off work, Guan Yalian opened her laptop, took out K Bao, and wanted to try the Agricultural Bank of China Quick Loan.

On October 8, 2017, the Agricultural Bank of China had a new loan policy, which was aimed at ultra-low interest loans for office workers, and Guan Yalian was eager to repay the loan at that time, with a loan of 136,000 yuan, with a total annual interest of only about 9,000 yuan, all of which was used for repayment.

Last month, the repayment information of the Agricultural Bank of China came as scheduled, and it just so happened that Guan Yalian's Pudong Development Bank had a universal amount of 153,000 yuan, in addition to repaying the quick loan of the Agricultural Bank of China, the extra collection was a little more, and it was enough to make up 10,000 yuan to repay the loan.

At that time, when she took out a loan, Guan Yalian thought that the interest rate of the universal fund of Shanghai Pudong Development Bank was relatively high, so she simply took less time and only made a three-month installment.

Today is October 15th, Guan Yalian decided to try how much money can be borrowed from the quick loan?

Guan Yalian immediately had a big head, where did the monthly repayment of nearly 60,000 yuan come from? Now it seems that it was really a miscalculation to make a three-month installment at that time.

The repayment period is approaching soon, what can I do? Guan Yalian has the mind to hit the wall.

Credit card dishonesty, interest with liquidated damages is not a joke, Guan Yalian feels that her head hurts!

The Agricultural Bank of China is also too pitiful, and it is no longer there after the policy was implemented for a year.

After making up her mind, Guan Yalian decided to go to the Agricultural Bank of China tomorrow to activate the credit card sent to her.

What to do?

Thousands of question marks popped up from Guan Yalian's head.

Fortunately, the repayment period on November 12 is still a month, fortunately, I took a look at it in advance, and if it arrived, it would really be too big.

Guan Yalian remembered an article she saw recently, which was written by Li Guangdou.

When your financial conditions do not meet your needs, unhappiness is inevitable.

Therefore, we should subtract from life, let go of the obsession with refinement, start a life of renunciation, and let the heart return to rationality.

Break - cut off what you never need, don't buy, don't collect;

Giving up – discarding useless things piled up at home;

Detachment - get rid of the obsession with material things, and put yourself in a comfortable space where you can play with ease.

Therefore, if you want to get rid of credit card interest, you should first consider selling this 75-square-meter house!

Anyway, Guan Yaping's family goes to school and works part-time, and the annual rent of 5,500 yuan has to be paid.

This time I'm going to sell it for money, so the first thing I think about is to pay back my credit card!

I can't think about repaying anymore, I have to force myself to death.

Moreover, the interest rate on the money overdrawn with a credit card is still very high, and more funds cannot be used to pay off debts at any time.

The subtraction starts with the reduction of credit card interest, which is also important and imminent.

Guan Yalian finally understood what it meant to drink to quench her thirst, and credit card installment would not solve any problem at all.

In fact, Guan Yalian thinks like this before every overdraft, but she can't see Guan Xiaofu as soon as she receives a reminder call, Guan Yalian knows that she is irrational, but she will always compromise.

This time, no matter what, when the house was sold and the credit card of the Shanghai Pudong Development Bank was returned, it was cancelled immediately.

It is enough to have two small credit cards from the Postal Savings Bank and the Agricultural Bank, but even then, you can no longer use them unless it is an emergency

This time, it can't be like this anymore in any case, and the money is not in the account, and the high interest paid to the bank credit card is paid.

The bank's credit card is a double-edged sword, people who use it well can solve their emergency needs well, and if they don't use it well, it is likely to become a burden.

Some time ago, a family of three in Jinmen caused a tragedy because of credit cards, the three of them handled a total of 10 credit cards, after spending 500,000 yuan uncontrollably, because they were unable to repay, and finally chose to commit suicide! This is a true story, for a time the bank will also be pushed to the cusp, the bank also because of its own negligence, paid a huge price, Shanghai seven banks were fined 2.4 million yuan for this matter!

Whether it is used well or not, under normal circumstances, it is used for investment, and the money is greater than the interest, so that it can be considered to be used well, and Guan Yalian is like this, overdraft to repay debts is tantamount to looking for death.

If she doesn't stop, Guan Yalian will definitely follow in the footsteps of this family of three.

Guan Yalian must not let this happen, Guan Xiaofu and Comrade Li Juan are already old, if Guan Yalian has three longs and two shorts, the two elders will definitely not be able to stand it.

At this time, let the old people suffer some grievances temporarily, as long as they can get out of the predicament and prevent things from developing in a worse direction, but it is to prevent them from being hit harder.

Guan Yalian remembered the woman who was crying for her daughter in the cotton field, no matter what, Guan Yalian couldn't let Comrade Li Juan go through that kind of pain.

The woman had passed away, and years of grief had quickly hollowed out the woman's body, and the woman had been dead for more than ten years, and it was estimated that the bones were no longer there.

I didn't let the second elder live a good life, and I can't harm them anymore.

All of a sudden, I was taken aback by my own thoughts, what are you thinking? This kind of thinking is dangerous.

When Guan Yalian was desperate in her married life, she always persuaded herself, "If you get divorced, maybe you will find like-minded people, and if you don't get divorced, is this kind of married life what you want?"

"No, I don't feel a sense of happiness at all, and I will never live like this......"

So, when the marriage is unsatisfactory, Guan Yalian will always choose to divorce.

When her heart is full of hesitation, Guan Yalian will think crankily about whether to divorce or not to divorce at that time.

Now it turned out to be a contest of life and death.

"Phew!"

Guan Yalian found that she was actually thinking about life and death, this is terrible, "No-Guan Yalian, you are not so weak......"

"You are the lady of the sky, you will be glorious and rich in the second half of your life, the old man of Mai has never been a ......"

Guan Yalian's nose was sour, and her throat was a little uncomfortable......

It turns out that Guan Yalian still has the weak side of some women, and she has not yet practiced invincible.

Guan Yalian took a deep breath and went to take a bath, the water flowing out of the solar water heater was warm and comfortable, so good, she was going to say goodbye to this house in the future......

As long as someone is there, everything is possible, and Guan Yalian will stand up.

"Insist on living, find a reason for yourself to live, don't be afraid, don't worry, ten years later, everything is just a drink. ”

Guan Yalian recited silently again in her heart, cheering up, what should I do!

The first person to discuss is Guan Yaping, at home, although Guan Yaping only has a primary school education, she is the most rational person and the person who is best at communicating with people.

Emotional intelligence does not seem to depend on literacy.