A leisurely life that begins with the possession of a game character

Some things may seem inconspicuous, but over time, when the numbers are added up, they become a very big number.

Like interest on online loans and credit cards. Ten thousand yuan, sixty or seventy yuan a month may not seem like much, but after the numbers are accumulated and the amount of money used increases, it becomes completely different.

When you use 100,000 yuan for turnover, plus the turnover expenses and your own interest per month, it will easily exceed 1,000 yuan, and the insignificant more than 10,000 yuan a year will be gone.

When this number becomes 200,000, you will have to pay back more than 20,000 a year before the debt figure will not change.

When it reaches 300,000 or 400,000 yuan, plus your usual living expenses, no matter how frugal you are, even if you are alone, you will first have to have several thousand yuan to repay the interest for a month's salary.

For an ordinary salaryman, if you owe hundreds of thousands in online loans and credit card external debts, the monthly interest and turnover costs alone will only make your debts bigger and bigger. , instead of what you imagine, the debt will be paid off one day.

An ordinary person, with a salary of seven to eight thousand yuan a month, would have to pay several thousand yuan in mortgage payments every month. At this time, as long as the number of your credit cards and online loans exceeds 200,000, the best option is to force it to go ashore.

I sorted out the arrears of each bank, reduced the principal of all liabilities to less than 50,000 yuan, and finally chose to force the loan to go online together with online loans.

Only in this way will your debt figure gradually decrease over time.

After the number of merits on Zhang Lan's game board reached five digits, Zhang Lan felt that it would not go down for a while, and he inevitably started to act casually when doing things with merits.

But as soon as you relax, many things will slip away quietly and quickly without you realizing it.

Until one day, Zhang Lan looked at the game panel on a whim and found that compared with the last number he remembered, the number of merits not only did not increase, but actually dropped.

At this time, Zhang Lan was confused. His foundation was running continuously on weekdays, just treating people's illnesses. Sometimes he would suffer some losses when using magic, but most of the time the merits were positive. How could it be like this? For a long time, the numbers did not rise but fell.

Then Zhang Lan thought about it carefully and calculated the daily consumption of merit. Only then did Zhang Lan realize that many things had changed in some inconspicuous things in daily life.

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

Compared with the past, which required such and such resources and such and such assets, in the end, the bank would only lend to you after three or five batches.

But now on the Internet, you don’t need to ask your grandparents to tell you, there are no complicated procedures, and it will be credited to your bank card instantly after the review. What we strive for is speed and convenience.

You have taken your fancy to something and have no money on hand for the time being, but you have a job and receive salary income every month. At this time, you are slightly tempted, move your fingers online, borrow money directly from your mobile phone, and buy what you want to buy.

As long as this kind of impulsive consumption starts and there is no strong self-control, it will gradually slip into the trap of desire.

Until one day when he could no longer borrow it, Mu Ran looked back and realized that he had already carried a large amount of debt that he could no longer repay with his daily work alone.

Debt is like a lever. A lever can tilt the earth or jump people into the sky.

If a person's consumption concept has not experienced major changes in life, it is difficult for any significant changes to occur. Zhang Lan was able to quickly make corrections after realizing the changes in the merit figures. The reason was that during the two months when his father was in the hospital, only when a person really worries about money can he understand what money really means. . Without personal experience, no matter how good the words in the book or no matter how true the education of others are, they are just like the moon in the mist.

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

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

At this point, everyone is acquainted, so let’s sit down and talk. Then the other party paid for all the expenses and apologized to Liu Chao.

It is a small thing in itself, but in small counties, when some people do things, they just want to feel that they are superior to others. Regardless of whether they are right or wrong, the other party must be wrong.

Originally, Liu Chao said that he had to grit his teeth and deal with it impartially, but then his old classmates, the village party secretary, the village chief, and his own uncles all passed on their words, so Liu Chao walked down the steps.

It is really a human society. No matter how hard you insist, unless you are alone and have no relatives or friends, you will always find your weakness.

Zhang Lan remembered a short video record that she had seen before. The photographer of the video had trouble getting out because his homestead was being seized by his neighbors.

His parents went to argue with someone, but they were beaten up instead.

After he returned home from overseas, he hired an excavator to dig a deep trench on his homestead in front of and behind his house that day. He then made a video saying that he wanted to build a house and that he would dig a trench first if he had no money.

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

Because he shot a short video and the photographer also invested money in traffic, it quickly caused a sensation. After that, people from the village and town started to come to visit.

The photographer had made various preparations and consulted the lawyer in detail about various legal provisions. All actions were within the scope of the law.

No matter who it is, the trenches are not being filled, and they want to build houses and walls, but they just don’t have the money for the time being.

He recorded this incident on a short video for nearly a month. Various leaders and reporters were sent away by him, but in the end it was settled.

When you reason with him, he acts like a hooligan with you; when you act like a rogue with him, he talks about the rule of law to you; when you talk to him about the rule of law, he talks about the national conditions to you; when you talk to him about the national conditions, he tries to reason with you...

Sometimes, people who are barefoot and not afraid of wearing shoes are not just talking to the disadvantaged groups. There are always people who feel that they are the truth. If you don't argue with them, they will think you are easy to bully.

Liu Chao finally sighed and said: "What happened this time really makes people feel that if you don't experience it, you won't know it. After experiencing it once, you realize that power is really a good thing."

Zhang Lan laughed and said: "What you are saying is that from ancient times to the present, scholars, farmers, industry and commerce, no matter how they change, scholars have always been ranked first."

It’s a sigh of relief. No matter where you go or where you go, those who say money is the best use must have never experienced it personally. As long as you have truly stayed in the workplace and then stepped out into society, you will not doubt what is most useful under the same circumstances. (End of chapter)