Some things seem inconspicuous, but over time, when the numbers add up, they are a lot of money.

It's like the interest on online loans and credit cards. Sixty or seventy yuan a month of 10,000 yuan may not seem like much, but after the numbers are accumulated, when the amount of money used becomes more, it is completely different.

When you use 100,000 yuan to turn around, plus the turnover cost and its own interest in one month, it is easy to pass 1,000 yuan, and more than 10,000 yuan a year is gone.

When this number becomes 200,000, it means that you have to pay back more than 20,000 a year, and then the amount owed will not change.

When you go to 300,000 or 400,000 yuan, plus your usual living expenses, no matter how frugal you are, even if you are alone, a month's salary, you must first have a few thousand yuan to repay the interest in vain.

For an ordinary salaryman, if you owe hundreds of thousands of online loans and credit card debts, the monthly interest and turnover expenses alone will only make the amount of your debts bigger and bigger, not as you imagined, and the arrears will be paid off one day.

An ordinary person, with a salary of seven or eight thousand yuan a month, has to repay a mortgage of several thousand yuan every month. At this time, as long as your credit card and online loan number exceeds 200,000, the best option is to force ashore.

Find out the arrears of each bank, reduce the principal of all liabilities to less than 50,000 yuan, and finally choose to force the landing together with the online loan.

Only then will your debt figure gradually decrease over time.

The merit number on Zhang Lan's game panel, when the number went up to five digits, for a while, Zhang Lan felt that it was not very good to drop, and when he used merit to do things, he inevitably began to get up randomly.

But as soon as you relax, many things will slip away quietly and quickly when you are unconscious.

Until one day, Zhang Lan took a look at the game panel on a whim and found that the merit number was not only not rising compared with the number he remembered last time, but also declining.

At this time, Zhang Lan was puzzled, his foundation was constantly running on weekdays, that is, treating people, sometimes using spells would lose some, but most of the time the merit was positive, how could it be that for such a long time, the number did not rise but fall.

Then Zhang Lan thought about it carefully, and calculated the daily consumption of merit on weekdays, and Zhang Lan realized that many things had changed in some inconspicuous little things on weekdays.

Speaking of arrears, today, in this Internet age, it is becoming easier and easier for even ordinary people to borrow money.

Compared with the past, you need such and such resources, such and such assets, and in the end, the bank will lend you three or five batches before it will be lent to you.

And now on the Internet, there is no need to ask grandpa to tell grandma, there is no complicated process, and once the review is passed, it will be instantly hit to your bank card, and the fight is speed and convenience.

You have your eye on something and you don't have any money on hand for the time being, but you have a job and a salary every month. At this time, you are a little tempted, move your fingers on the Internet, and directly borrow money from your mobile phone to buy what you want to buy.

Consumption under this impulse, as long as there is a beginning, and there is no strong self-control, will gradually slide into the trap of desire.

It wasn't until one day that I couldn't borrow it anymore, and I looked back and found that I had already carried a large amount of debt that I could no longer pay off with my daily work.

Debt is like leverage, which can lift the earth and bounce people into the sky.

It is difficult for a person's consumption concept to change significantly without experiencing major changes in life. Zhang Lan was able to make quick corrections after realizing the change in the merit figure, because during the two months that his father was in the hospital, only when a person really worried about money would he understand what money meant.

If you don't experience it yourself, no matter how good it is said in the book, no matter how real the education of others is, it is just like a flower in the fog.

When Liu Chao called again, he told Zhang Lan that the matter had been dealt with.

As Zhang Lan expected, after Liu Chao started looking for someone here, the other party quickly asked someone to find him.

At this time, everyone is an acquaintance, so let's sit down and talk. Then all the expenses were covered by the other party, and Liu Chao apologized.

It is a very small thing in itself, but in a small county, when some people do things, they just think that they feel that they are superior, no matter whether they are right or wrong, they must be the fault of the other party.

Originally, Liu Chao said that he would grit his teeth and deal with it impartially, but later the old classmates, the village secretary and village head, and his uncle all handed over the words, and Liu Chao also went down the steps.

It's really a humane society, no matter how you insist, unless you're alone, without relatives or friends, you can always find your weakness.

Zhang Lan remembered a short video record she had seen before, and the person who shot the video was seized by neighbors because of his hometown's homestead, and it became very difficult to even go out.

His parents went to reason with others, but they were beaten up by the other party.

After he returned home from other places, he found an excavator to dig a deep trench on his homestead in front of the house and behind the house on the same day, and then took a video saying that he wanted to build a house, and if he had no money for the time being, he would dig a ditch first.

The trench was clinging to the neighbor's house, and it was the rainy season, and it rained the next day after digging.

Because of the short video, the photographer also used money to invest in traffic, which quickly caused a sensation. After that, it was the people in the village and town who began to come to the door.

The photographer made all kinds of preparations, and asked the lawyer in detail about various legal provisions, and all actions were within the scope of the law.

No matter who says it, the trench just doesn't fill in, he just wants to build a house and build a wall, but he doesn't have money for the time being.

He recorded this incident on a short video for nearly a month, and all kinds of leaders and reporters were sent away by him, but in the end, it was still over.

When you reason with him, he plays hooligan with you; You play hooligan with him, and he talks to you about the legal system; You talk to him about the legal system, and he talks to you about the national situation; You tell him about the national situation, and he reasoned with you......

Sometimes, the barefoot person who is not afraid to wear shoes is not only to the disadvantaged, there are always people who feel that they are the truth, and if you don't care about him, he thinks you are a bully.

Liu Chao finally sighed and said: "This incident really makes people feel that they don't know if they don't experience it, and they only find out after experiencing it once, and power is really a good thing." ”

Zhang Lan smiled and said: "What you said, from ancient times to the present, Shinong industry and commerce, no matter how it changes, Shi is ranked first." ”

This is also worth sighing, no matter where you go or where you go, you must not have experienced it yourself when you say that money is the best use. As long as you really stay in the unit and then come out and step into society, you will not doubt what is the best thing to use under the same circumstances. (End of chapter)