I happened to write "Jin Ping Mei", so I looked through a few chapters to find inspiration for writing, but I saw a passage:

If a person arrives in that poor field, suffers from infinite desolation, and suffers from unreasonable annoyance, comes to the evening and touches the rice jar, and has no place to stay in a cook, get up early and look at the kitchen, feels ashamed of no fireworks, and his wife is hungry and cold, and is cold and hungry, and it is even more difficult to get the remaining money to buy wine! There is also a kind of hateful thing, relatives and friends roll their eyes and have a shabby face, which is the lofty ambition, which is extremely wasteful, how can they compete with others!

Big Bird now...there is a bit of this in life in recent years.

Some people may say that it is because you don’t work hard and deserve to be poor.

If this is true, the big bird will have nothing to say. If you don’t work hard, who will be poor if you are not poor?

But this is not the case.

Let’s talk about the nearly nine years of experience after graduating from Dabird University.

After graduating from college, I was different from many confused college graduates. I was not confused at that time and was full of absolute confidence. At that time, my own feeling was that as long as I struggled for ten or eight years, I could be like Jack Ma.

I carefully designed my own development route and wanted to take a shortcut to success.

After carefully selecting it, I naively thought that I had found a shortcut - to do a project with my dad.

My dad was a contractor at that time, a small contractor, and some migrant workers under him.

Yes.

The starting point I chose for myself was the contractor.

At the beginning, it proved that I chose the right one. I made more than 100,000 in just two months.

At that time, I really thought that making money was an easy task, so easy!

It didn't take long before I knew how outrageous I was wrong.

I graduated from university in 2009.

The real estate industry was excellent that year, and it was not enough to describe it. A pig could make money when he worked in the real estate industry that year.

In 10 years, I, who was ignorant of the world, took hundreds of people to Wuhan alone, but ended up losing tens of thousands.

At that time, I thought it was nothing, so I just thought it was paying the tuition fee.

One year, I took dozens of people to Tulihe Building by myself. This time I lost more than 100,000 yuan, some of which were earned by myself, and tens of thousands were given by my parents, and a large part of it was borrowed from my classmates (some of them have not been paid back so far, not that I don’t want to pay back it back. Sometimes I dreamed that I couldn’t pay it back the money I owe them. That feeling is really impossible to describe to you.)

To be honest, there were some reasons for the compensation that year. The wages of workers rose madly. One day at the beginning of the year, and it rose to 120 in the middle of the year. The wages of workers did not rise. The wages of workers rose so fast. There was no one who could not lose money. Moreover, the workers could not be kept at all. They ran everywhere and changed places to raise the price. They also formulated a lot of messy rules, such as "guaranteeing twenty-seven workers a month, and they didn't care about it. It was cloudy and rainy. Anyway, if there were less than twenty-seven workers, they had to pay them for the twenty-seven workers. I still remember clearly that one month it rained twenty-two days, and they had to pay for eight days, but I had to pay them twenty-seven days). There was another day when I didn't agree to others and left, and I didn't even birds. I did a project and changed hundreds of people. It's not that I didn't want to stay, but I really couldn't keep them. If you make him unhappy at all, you wouldn't wait for you until the next day.

Although I lost a lot of money in that year, I really learned a lot and really grew into a qualified contractor.

In one or two years, my father took over a project of a sewage treatment plant, with a total construction cost of nearly 10 million. For a small contractor team like ours, this is a very large project.

My father runs materials and I am responsible for on-site management.

Halfway through the project, I calculated the profits and could earn at least two million.

At that time, I was so happy.

But it took a quick turn for a while.

The project payment has been delayed.

At that time, we had a disagreement between father and son.

I said stop, I can’t do it anymore. The more I work, the deeper I get. Stop and settle the money before doing it.

My father said that if you stop him (the boss) and we will finish it too. At that time, my family had already built in a lot (hundreds of thousands).

I didn't twist my dad, my dad raised the money to pay the workers and continued to work.

I still can't explain how much my dad lifted it, and he may not explain it clearly.

I calculated that it should be hundreds of thousands. After all, at that time, my family had only one house, a Toyota Camry (second-hand one, only worth 70,000 to 80,000). The house also had a loan, so you could use these two things to mortgage it to hundreds of thousands of dollars.

Because the house is a secondary loan, the interest rate is very high. It seems that the cheapest one is three cents and the most expensive one is seven cents.

Anyway, it's all usury.

At the beginning, the interest rate was about 10,000 or 20,000 yuan per month.

We could still stand up at that time, and we would pay it back until the day.

But the project payment has not been paid (it has not been paid yet, and I can't get the money even if I win the lawsuit, so I just don't give it to you. I'm advised fellow Taoists to say, "If you don't go to the court, you must not go." It's too crooked. I'm extremely disappointed with the Chinese court!" Gradually, I lost money and paid the interest.

My dad started to lose the loan, which means changing to another company to pay back the previous company. As a result, the principal continued to rise, and the interest to be paid every month continued to increase. Later, when it was not paid, he had to pay back 60,000 to 70,000 every month.

Let me talk about it here that the reason why there is so much interest is because Party A wrote two remote checks, totaling 500,000, saying that it will be deposited in one month.

At that time, I was anxious to pay the workers, so my father took the two checks to a loan company to cash out (I gave them 400,000 yuan and agreed that if I could deposit it in a month, I would give us another 60,000 or 70,000 yuan, which means 30,000 to 40,000 yuan. I don’t know how much, but my father did it. At that time, even now, he didn’t explain this to me). The two checks are still here with me. Whoever wants to see them can look for me.

You guys who are smart should be able to guess that those two checks cannot be deposited in a month, and that is a blank check.

From then on, our family was in a tragedy.

My dad couldn't resist the pressure. Someone asked him for money, but he either borrowed or borrowed. Anyway, he could pass the current qualifier. He just played money everywhere every day, without seeing it.

According to his meaning, he waited for the project payment to be settled, and then he could pay back as much as he could, and then he would pay back the rest.

In fact, that was the last project in my family.

Gradually, the more I owe it, and when I really can't pay it back at all, according to the algorithms that owe usury, I have already owe four or five million.

One car of my two houses and one car was taken away one after another (even so, I still owed four or five million yuan. Now, it may have been 7 or eight million yuan. At first, I only borrowed hundreds of thousands, even if I added the blank check, I didn’t have to pay it back for nearly two million yuan. I also paid it back for two million yuan for several years. There were two houses and one car. As a result, I owe so much, and I can’t take care of it anymore. I will take care of the food, drink and life of the whole family. If possible, I want to buy a campus house. Adults can do whatever they want, and I can’t lose money to the children).

Someone may ask, why do you have two houses in your family? Isn’t it the same one?

That's right, during this period I got married.

That is when I think the situation is good.

It happened that a project payment was paid at that time, and I paid more than 200,000 yuan to buy a house, which is my wedding house.

As I said before, my dad didn't pay the interest and went to borrow it and carry it everywhere.

But he could not borrow or carry it.

Once, he said that he had someone forced him to repay the money and the creditor did not allow him to fight and kill him, so he asked me to use the wedding house for him. He wanted to use my wedding house to raise some money to pay back the person's money. When the project payment was paid, he would take my house back first.

If I don’t have one, it would be fine. I have it on my hands. How could I watch my dad face such a situation?

So, even though I knew it was a meat bun to beat a dog, I still forced my wife to take out the house and notarize the loan shark.

The project payment has not been completed.

Ullitus took away two houses and a car from my family.

I paid more than 200,000 yuan to pay back the loan for nearly a year, but it ended up being worth 150,000 yuan.

We lived in the house for two months and had been scenting it before.

We were driven out and we didn't let us clean up our things, for fear that we would not leave. Later, they pulled our things to Jiangbei and asked them a few times before we came back. I still remember those scenes. At that time, my wife was still tall and was almost giving birth.

The house was gone, and my wife was so good at me. My deceased father-in-law also came to me. At that time, I almost got crazy. Several times I and her almost divorced, and once I almost put my handprints on it.

There may be children.

Now that my father-in-law has passed away, my wife has become much better, and life has to continue.

We first moved to my parents' house, and the family of six (I also have a younger brother who has not been married yet, and my daughter was born at that time) squeezed into a house of more than 60 square meters.

This is actually quite good, after all, it is my own family.

But not long after, my parents' house was taken away by the loan shark.

At that time, we could only rent a house.

But we didn't even have the money to rent a house.

Human wisdom is infinite.

We accidentally thought of my parents as well as insurance.

We used their insurance to borrow 15,000 yuan.

Tell me, the insurance is now deadline in September, and I don’t know what to use.

Our family of six survived with that money.

During that time, I didn't even have a mobile phone (intentionally). I used to be doing well, and I was a big brother in the class circle, but at that time, I owed them all the good friends I knew (many of them have not been paid back until now). I really had no face to talk to them, and I was afraid of hearing their voices.

I don’t know how long I have been at home, so I dare not leave the house. I am afraid of meeting acquaintances, I am afraid of being afraid.

Later I thought, I can't just keep going like this, when will it be?

It happened that I couldn't find a book to pass the time at that time, so I wondered if I could write one by myself, so I became an online author in a daze.

At the beginning, I couldn't sign an appointment.

Later, I earned 300 per month.

Then, one thousand and one month.

Then there are two thousand.

In 16 years, my family couldn't live a life.

I have to make money!

At that time, I told myself that I would write whatever subject is easy to make money.
To be continued...