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Many people have lamented that they didn't expect that people nowadays have such a high debt-to-income ratio, and so many people are burdened with debt, thinking they are the only ones struggling.

In fact, many debt sufferers are like this. During the day, they can actively face debt and strive to live, but at night, they toss and turn in bed, unable to sleep, and don't know when they can finally pay off debt and have a good day.

The Night Snack of Debtors

Recently because of working from home, the schedule has become a little irregular, and they have to stay up very late to sleep. Before, when people slept early, the debt sufferers' chat messages were often not seen, and it took two days to reply. But because they stayed up late, they communicated with the debt sufferers at midnight, and they realized that in the night, they were the most vulnerable.

During the day, debt sufferers are generally straightforward about their current situation and demands, trying to find a solution. But at night, the content of our conversations always rises to a higher level, exploring life, exploring human nature, or simply listening to them vent and confess.

One young man's confession was particularly impressive. He was only 20 years old, his father had passed away, his mother had worked hard to raise him, and after graduating from junior high school, he started working as a laborer. Life was gradually improving, but he suddenly got sick, and his mother sold the family's small house. He also emptied his credit card.

That night, the young man chatted with him for a long time, just hearing that he had recently diagnosed with a disease, the young man was very troubled. If he treated the disease, he would burden his mother, which he didn't want to do, but if he didn't treat the disease, he would be gone in the future, and his mother would have to live alone, which he also didn't want to see.

Fortunately, the young man's condition was well controlled, and he had already negotiated with the bank. He believed that as long as he worked hard, he could definitely pay off the debt, and he planned to buy a new house for his mother in the future.

Sleepy debt sufferers can think about these three things

Those tossing and turning nights are very difficult. If someone could open up to you and chat with you, it might alleviate your worries. But if there is no one around you, you can think about these three things.

The first thing is, what debt did I incur?

To solve the problem, you need to find the root cause. You may know what you owe roughly, but you may not necessarily find the underlying reason. For example, a debt sufferer incurred debt due to business failure, had to sell his house to barely resolve the account, and other debts still needed to be repaid slowly. But when he talked about the reasons for his debt, he only attributed it to business failure.

However, business failure was three years ago. Before that, he had a slight overdraft card situation. The reason for this situation was that his income was high at that time, and he could barely support it.

After business failure, he wanted to pay off the debt quickly for three years, but he couldn't find a clear direction, always thinking about getting rich overnight, and kept overspending, which led to more and more debt, and he had to sell his assets to repay it.

Therefore, debt sufferers in the quiet night can think about what they have done in the recent years, what is the direct cause of debt, and what is the hidden cause that makes debt not reduced.

The second thing is, what can I do?

The more debt you have, the less you should do things impulsively. You must consider carefully. Don't invest too much cost, don't easily enter fields you don't understand or are not good at, and don't engage in speculative, high-risk, high-return things.

Here, my suggestion is that if you are engaged in intellectual labor or sales, you should improve your business skills and spend more time and effort to increase your income. If you work in physical labor or mechanical jobs, you can only work harder and do more jobs.

The third thing is, what can I rely on to support myself?

Often, what crushes debt sufferers is the collapse of faith. Many people's motivation comes from a mental support. It is the motivation for us to face and bear the debt bravely.

So, when you can't sleep, debt sufferers can think about whether they have someone they can't let go of. We want to break through the debt, whether for a better future for ourselves, or for parents and lovers not to be burdened, or for children to have a better family.

In fact, those sleepless nights are a good time for debt sufferers. At this time, everything is silent, we can also listen to our inner voices.

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