The embarrassment of the borrower and the annoyance of the creditor

Because life has a continuous relationship with economy, we will have the experience of borrowing and collecting debts in our daily life. Since I didn’t have the background of family economic strength since I was a child, my marriage, giving birth to a child and buying a house were naturally spent in borrowing money. The cost of marriage and giving birth to a child can be controlled by oneself. Naturally, there are not many debts borrowed and they don’t bother much. They are all solved by good relatives and friends on their own initiative. But the housing problem really hurt my brain. At that time, the unit was ready to build a new house, and I was called to the director at all. Buying a new house was in line with the requirements of the unit. But the embarrassment of economic conditions made me dare not expect too much. At that time, my salary was still very low, only 1070 yuan per month, my wife was laid off from the textile factory, and my child was only a few years old, the old people also need my burden. The family is very nervous to maintain the basic life. How dare they think about buying a house. But at that time, the problem of counting my house was the most prominent. Facing the new house which started to lay down the foundation and the mood of being eager to solve the housing problem, my wife and I signed up bravely to buy the house which was only counted as the housing price change at that time. Then is fully funded 40,000 yuan a house. I was born with a thin skin and had to borrow money everywhere, which was indeed a big problem in my life. Fortunately, some of my relatives and friends understand and support me very well. Every time I find them, I only talk about the house dilemma and opportunity I am facing now, and I haven’t finally told the purpose of borrowing money, they took the initiative to take out the money and comforted me not to pay back in a hurry, but to solve the house problem first. I remember a couple who were laid off and set up stalls in the street. The man was my pen pal in the past. When I met him, I asked about my recent situation and learned that I was raising money to buy a house everywhere recently, he immediately asked his wife to run home to get the subsidy of 1000 yuan for his laid-off, and reminded me again not to return it in a hurry. At that moment, my tears didn’t flow out until I endured for a long time. In about three months, we borrowed more than a dozen owners, plus the salary owed to the unit for one year, 40,000 yuan was basically enough, and the house was also done. Then there was a long way to pay off debts. My life gradually changed a lot due to the debt of nearly 40,000 yuan. First of all, I couldn’t sleep at night. I was always worried about something happened to the people who borrowed money. At that time, although they didn’t ask for money, I still had to find a way to pay back the money. Then I was afraid to see the people who lent me money. When I saw them, I felt sad and remembered that they were my creditors, I remembered that I got my house with their support, and I thought how to thank them in my heart and expression. The final change is to try every means to make more money and save money. Due to the efforts of myself and the whole family, it took only one year to repay the debt of 40,000 yuan, which was more than one year earlier than planned. In the project of buying houses and borrowing debts, we formed a good habit of earning more money and spending less, so one year later, our family began to have a little savings. With savings and the experience of debt repayment, we also like to sympathize with relatives and friends who need to borrow debts. If so, we often have relatives and friends to borrow money from me, and we have become creditors to subsidize others. Borrowing money is easy to ask for money. Being a debtor is nervous, and being a creditor is also not easy. The first person who borrowed money from me was a friend who had known me for a long time. At that time, this friend’s family just built a new house, and owed a lot of material money. He was forced to ask me to borrow 1500 yuan, and repeatedly said that he would pay me back within three months. I also knew the pain of being forced into debt, and immediately lent him all my savings. Three months later, the friend not only didn’t pay me back, but also continued to borrow 2000 yuan from me. When borrowing, he also promised to pay me back a few weeks later. But now it has been three years. Every time I mention this indirectly, he is also sad and anxious to lend him some money, and his real life is much more luxurious than mine. The money is not enough, and my friend has to continue to do it. It is not cost-effective to hurt his friend’s relationship for money. I guess it is hard to repay the money, but since then, every time I saw him, I felt very embarrassed, just like I owed him something. With the experience that I couldn’t get back from borrowing money, I began to adjust my thinking in trouble. Because all the people who want to borrow money from me are people with good relationships. It is certainly impossible not to borrow money, but when I borrow money, I must evaluate the credit rating of the borrower in my heart, if you have a high credit rating, you can certainly do your best to help; If you don’t have a high credit rating, you can borrow as little as possible, just to show it, because when you borrow it, you must consider that it is a meat bun to beat a dog. Don’t expect any return. Although I have such an idea, I have borrowed all my savings for several years, but I haven’t seen anyone who actively pays back my money, fortunately, I didn’t come to borrow money for the second time.

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