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Can anyone talk about the experience of working abroad? I really want to know more.
I should have been exposed to online loans around 20 15 and 10 before I went abroad. The first time I came into contact with online loans was because of flowers. At that time, I had begun to promote the function of flower buds. I have a good reputation, and the amount is around 5000. I can shop online and pay back. At first it was novel, but over time I became addicted. Because the salary is about 4 thousand a month, besides medical insurance, the daily expenses are not much. Then a colleague said that she would open a discounted credit card with low interest because she 18 was cheated once. Later, I sent my salary to my dad's card, thinking that it would work if I opened the card. At the beginning, I opened a wide card because I planned to change jobs. I think I need to use the card I just used. A friend (Ana) who studied dentistry in the back kept urging me to open a clinic with her. At that time, I also took a fancy to the prospect of opening a clinic. However, I have no experience in studying medicine, so I can help occasionally if I buy shares. Then she gets paid there, but we share the performance commission. So we had a discussion. We started looking for stores. The rent of stores in busy areas is very expensive, so just pay a transfer fee. I found a community in the back, and the location is ok. Transfer fee+decoration+purchase of equipment and equipment costs about 6.5438+0.8 million. Maybe many people will wonder where I got so much money, some from home. At that time, they also supported my entrepreneurship, and then some of them were borrowed from relatives and friends.

So I didn't quit my job and chose to continue working, but the dental clinic doesn't belong to the fast-selling industry and needs to become famous gradually. My friend is also a professional and technical person. He hasn't been in and out of society for a long time, but he has no choice but to hire another person to help. Then half a year passed and there was no big improvement. Basically, every month, I lose money. At first, I thought it might be a problem of low traffic. But then I went to the store to check out, and Xiao Jing, an employee who was invited by chance, told me, "Today, Sister Na received a big order and did a full set of dental care. That woman opened a set meal ... at least tens of thousands." The problem is that I got the bill right. It's not on the account. Later, my friend came back and I asked her. She said I forgot to add it, and then I added it. After more than a month, my friend told me that Xiao Jing was leaving and felt that she could not make any money. Because I have my own job and I am far from the clinic, I go there occasionally. I didn't ask her about it, let her arrange it herself. I probably think it would be better to have one less worker, but it hasn't improved so far. Go out to dinner with other friends occasionally and give them a bite. Then my friends began to remind me to be careful about Ana who opened the store with me. ......

Later, when I had something to do, I often ran to the store and cleaned the floor. On that day, a friend went out for dinner, and an old man said he would come to have his teeth filled. He said that the teeth he had filled before were broken in two days, and his attitude was not very good. Then I checked the information on the computer and found nothing. I called my friend to ask her to come back, and finally I helped the old man get ready. I found that many things are not as simple as I thought. I feel that I can't support the future economic situation. I have no money at all, and I have to pay back the money every month. I had a showdown with my friend and wanted to terminate the cooperative relationship, but she actually put me in the contract because it was quite stiff. I wanted to go to court, but I didn't have any evidence and I was afraid to tell my family. After all, it is not good for parents to increase their burden when they are old. Finally, I just told my parents to break even, and there was no loss. To make matters worse, the China New Year is coming. Ask me for all the money borrowed from relatives and friends. Finally, I began to think about lending them online loans, and I borrowed 20w back and forth, plus what my parents borrowed from others has not been returned, totaling about 28W.

If I do online lending, I will do it in stages and integrate it. I didn't expect that I had begun to step by step on the road of no return. At that time, I kept fiddling with my credit card every month. There are more and more snowballs. When I pay my salary every month, I basically pay back the money. There is no chance to eat with friends, go shopping to buy clothes and travel. Pay back the loan every month. I really want to say that friends who have just come into contact with online loans should not be confused by these surfaces. Don't believe those unsecured loans that only need ID cards and borrow tens of thousands of dollars in three minutes are deceptive! Take you step by step, into the pit. It's really silly to think about it now. Bank loans are so difficult, so many rules and regulations only give you tens of thousands. Why do these platforms give you an ID card for tens of thousands of minutes? Because this is to cheat us in the future, and into the pit will lay the groundwork for controlling us step by step. Then I went on to say that by June 2065438+2007, I found that I couldn't pay it back, and I had no money to borrow it at all. At that time, it can be said that even 5,000 yuan could not be loaned, and the whole credit investigation was blown up, because there was no platform for multi-head loans. Then I thought of offline loans, but because there were too many credit inquiries (the credit was not overdue), the data was spent and it was impossible to lend money. But at that time, I had to pay back more than 20 thousand every month. There are more than a dozen platforms, large and small. From more than 2,000 a month to more than 200 a month, I didn't think so at first, big and small. More than 20 thousand a month, the credit card is about to burst, and then the whole person is afraid of overdue, afraid of being blown into the address book. But I have been afraid to tell my family. It is easy to walk sideways at this time. Various platforms have been tried, but the more they try, the more they are rejected. After the call, everyone called my home. My father asked me seriously how much money I owed, but I dare not say too much. I'm just saying that I owe more than 9w. Actually, I owe about 30w. My mother is a nag, because I didn't make any money by investing in business. She nagged me every day because I was too young to live up to my expectations. After three days, my father gave me a card with about 100 thousand yuan in it. Let me pay the money first. Suddenly I felt that my father was old at that time and his hair was much whiter. It is false to say that I am not sad, and I feel particularly guilty. I'm still worried about them at my age. So much has happened. If I don't work hard, it's really a waste, because my family has already paid me more than 9w, and I will pay the remaining 20w myself. I made a general plan for my own situation, including JD.COM Baitiao, Guangfa, Meituan and various online loans. I paid back the high-grade online loans first. Some credit cards were originally intended to be negotiated to see if they could be slowed down, but the results were not good at all. Constant threats are threats.

Life has changed me beyond recognition. Like my friend said, I feel like a different person. In order to increase my income, I began to look for part-time jobs everywhere. I tried my best to hand out leaflets and brush bills. There is a saying that people even plug their teeth with water when they are unlucky. Looking for a part-time job is a lot of deceptive things, so I have been confused for a long time. A friend of mine accidentally asked me if I wanted to work with her cousin. As far as I know, her cousin is very rich and the company has gone abroad. There are also several automobile beauty industries in China. She knew my situation and promised to pay it off in more than a year as long as she worked hard. It is false to say that she is not interested. After all, a month's salary is not enough to pay back the money. Later, I turned her down. After all, going to other provinces is ok. It is difficult to go abroad, and my family will definitely not agree. After she and her husband went out for more than half a year, they also earned more than 100 thousand together, paid off their gambling debts and told me that their next goal was to buy a house. I really envy others. Everyone else is trying to get better, and the more I live, the more I regress. I have been abroad for three years by mistake, and I have saved some money in one month 1-2w. I suggest that you don't blindly invest in online loans in the future, so as not to cause this disaster! Come on! ! !