"My mistake was to treat gambling as a life, and life as a gamble."

Zhang Wen sighed, extinguished the half-smoked cigarette, and looked at the eight credit cards on the table, as well as the pre-divorce agreement he had just signed with his wife.

……

Agreement:

From now until June 15, 2012, Zhang Wen returned Cheng Yifang's RMB 20,000 yuan, went through the divorce procedures immediately, and the woman moved out immediately. The ownership of the daughter's custody is left to the daughter's choice, or then negotiated. If the husband is unable to repay the arrears in full, the divorce time will be determined by the woman, and the balance will be repaid by the husband at an interest rate of 5% per annum. From now on, both parties will share all necessary family expenses and the cost of raising and educating their daughters.

Agreement: Zhang Wencheng Yifang

June 15, 2010

……

It's sad! It's just a pre-divorce agreement, and if you want to get a real divorce, you have to pay back 200,000 yuan to your wife first.

Anyway, after signing the agreement, I am finally clean, it is really scary to quarrel with a woman, it is really not a man's strong point, and every time I feel that I have lost my armor and my body is incomplete.

Counting the credit cards on the table, a total of 8 cards have a total limit of 115,000 yuan. Except for the Bank of China, there are more than 200 available limits, and the others have exceeded the overdraft limit, and the credit card alone owes more than 100,000 yuan. That monthly salary is only enough to pay off the interest on the credit card. Zhang Wentou is bigger again, TMD

and the 70,000 yuan that I borrowed from my mother when I started a company, and it has been eight years. The first brother Zhang Yuena estimated that he should owe almost 300,000, only a lot more. This is still the first time that my family is not in a hurry. And I haven't counted the interest.

In addition, the classmates borrowed: Li Jie 50,000, Wang Xuewei 20,000, Xu Lin 10,000. Wang Xuewei promised to return it by the end of October this year. Xu Lin is a friend who skipped class and fought together in high school, but he has not been happy in the past two years, and he hasn't seen each other for two years, mainly because Zhang Wen has been too decadent and unlucky in recent years, and he has no heart to participate in class reunions, but he has always kept in touch with Xu Lin on the phone, this guy is not easy, under the strict economic supervision of his wife, he even scraped together and called Zhang Wen 10,000 yuan.

Moreover, it is the 50,000 yuan owed to Zhu Zhiyuan, Zhu Zhiyuan and Zhang Wen are peers, and they also opened a refrigeration company, the biggest difference between the two is that Zhang Wen's company is closed, but Zhu Zhiyuan's company is developing well. At the company's meeting, the two of them contracted the project together, took a sauna together, and went to Macau together. Hehe, man three irons.

Zhu Zhiyuan's money is not in a hurry, anyway, his current company is developing well, and he has never asked for it, but he calls from time to time to yell at his throat......

Zhu Zhiyuan is open-minded, very proficient in refrigeration, plus good luck, brother-in-law is a candidate for deputy director of the town tax office, through his relationship, Zhu Zhiyuan monopolized the recycling business of waste wires and cables of a municipal engineering cable laying and installation unit, light recycling wires and cables, you can earn millions a year, of course, the brother-in-law behind the scenes takes the lion's share, but the rest is enough for Zhu Zhiyuan's company's basic expenses.

The year before last, I caught up with Zhu Zhiyuan's house in the countryside to requisition and demolish it, and I was divided into 3 suites. So this guy is fine, so he sings "Wait for a thousand years, ah!" Wait for a thousand years...... "Yes!" Whoever waits for such a demolition will have to make a windfall.

Therefore, although he lost mahjong, went to Macau to lose, and gambled, he had a solid background and didn't care, so he called Zhang Wen to ridicule him a few words, and when he was going to kill in Macau......

In the end, it was my cousin's 30,000, alas! It's a shame to say, relatives got together during the Spring Festival, Zhang Wen only had a thousand dollars left around him, and he didn't pay back a credit card, he could have overdrawn 30,000 yuan in the credit card, but a dead friend gambled and lost 600,000 yuan in one night, Zhang Wen gritted his teeth and withdrew 30,000 yuan, and gave him emergency help, but there was no follow-up, (Later, he sold the house to pay off the gambling debts, and lost 1.5 million three months later, and the person disappeared), and Zhang Wen was embattled. When I was smoking at the door with my cousin-in-law during the Spring Festival, the thought flashed, and I opened my mouth, and after a few days, I really lent Zhang Wen 30,000 yuan, and I didn't even make an IOU. But Zhang Wen couldn't be happy, in order to borrow money over the years, Zhang Wen has done everything he can, gambling, which will gradually lose a lot of qualities of being a person.

The total amount of all arrears is 660,000, plus the repayment agreement just signed with his wife is 200,000, a total of seven categories, 860,000. It's not that I don't know, if you count carefully, damn, so much! …… All evil silver is the head!

Now Zhang Wen has more than 300 on him, the Bank of Communications can also withdraw 800 yuan, and there are 3,600 yuan in the online casino, a total of more than 4,000, which is all the disposable funds of Zhang Wen. This month's credit card payments should be able to cover the past.

It's better to make a plan first - a plan for the future, otherwise the consequences will be unimaginable.

1. Of course, I am studying, this year I will strive to take the civil construction price test, and I have come to Dashen Company (Zhang Wen's current unit is SH Dashen Construction Co., Ltd.) for 2 years, and I will not know anything, if it were not for the face of my younger brother Zhang Yue, I would have been opened. If you don't get a certificate out, will you stay here next year? There are still 4 months left before the cost engineer exam, so there should be enough time.

2. As soon as possible, the calculation and quota are familiar, in the end, Zhang Yue's private work remuneration is still very attractive, and now Zhang Wen has engaged in a set of Guangda software, pirated, the operation of the software, Zhang Wen thinks that as long as he puts some effort into it, he will get started very quickly. After all, I have studied 3DMAX for 2 years, and I am still very imaginative about 3D drawing. In recent years, the calculation of the software has been gradually recognized and gradually popularized, and Zhang Wen believes that this is the inevitable development direction, and there are not many people who have learned it now. If you want to do a good job, you must first sharpen your tools, this software is a sharp tool, once you learn something, you can earn extra money faster than others...

3. Online casinos have to continue, otherwise how to pay back the line card every month, just have to change the strategy, so to change the strategy, the line of "steady, accurate, waiting, ruthless, roll" five-word mantra.

For example, "baccarat" encounters the fastest loss of long Zhuang long leisure, too, normal thinking out of 5, 6 Zhuang, should always be out of a leisure, the result of desperate leisure, hehe, it can also come out of 6 Zhuang, waiting for you 100, 200, 400, 800, 1600, 3200... When you bet on your face and your ears are red, when you press the remaining dozens of dollars, congratulations, you finally won the bet, and the game was specially equipped with warm applause, at that time it was really crying without tears. Zhang Wen encountered 27 villages at most at a time, and 3,000 yuan was instantly sucked dry, by the way, it was killed in seconds, but fortunately there was only 3,000 yuan, and if it was 30,000, it would be swept away. That's the other way around, it's always good to follow the pressure, it's useless, when people back the pressure to lose, Zhang Wen has had a casual pressure on the village, press idle, lose 17 in a row of brilliant records, each 50% chance to win, lose 17 in a row is a 131072 probability of winning, buy a lottery ticket should also win.

4. Open source and throttle, open source is not easy, then use some brains on throttling, to change the habit of spending money indiscriminately, quit smoking, this day 2 packs of cigarettes cost is big enough, you can save more than 600 a month, or quit it, the money saved can also buy football lottery, quit! This time, we have big ambitions, and we can't even quit smoking, let alone anything else......

From today onwards, we must transform ourselves from gamblers to investors (some people say that gambling is a high-IQ investment, whether others believe it or not, Zhang Wen believes it).

After writing the plan, I picked up the cigarette, thought about it, crumpled the cigarette box with the remaining cigarettes, and viciously threw it into the waste can, and then threw the lighter into it......