We are friends. We were roommates and bunk beds for two years in junior college. In our junior year, we chose to sell our house during our internship, and we still rent together. Let me call him 'friend'...
My friends are cosmopolitan and exquisite, and they have always been like the older brother and the younger brother. This has always been the case in college. Whenever I go out to a room with my girlfriend to do errands, eat in the cafeteria, or go out with a few people, he always asks me, "Brother, can I bring you something?" This is his good habit, and it also wins my heart, so my senses Not bad. In addition, the people at the same table can always talk endlessly, and they have more understanding and deep feelings.
We shared a house together during our internship. We walked around every day and made countless phone calls, but we could never sell the house. Every day we watched the sales crowd, this one selling one house, and that one selling two houses. Silently estimating commissions for others is the greatest pleasure. However, when it comes to myself, I can only guarantee the minimum three or two thousand per month. I am physically weak, mentally miserable, and life is difficult. Therefore, we have teased and encouraged each other, which can be regarded as sharing the pain.
Later, I did something else, and my friend continued to sell his house. Although he was in the same city, he was still far away, so it was difficult to see him. Occasionally, when we have free time, we all make an appointment to have a drink together.
After that, there were fewer appointments. After that, the friend returned to Shenyang and never saw each other again.
My friend's demeanor has not changed. From time to time he would say hello and briefly talk about his current situation. I didn't know the details until June this year. A friend came to me and asked me to borrow money. He asked me to borrow 25,000 yuan, but he said that I couldn't support it. If I want to apply for a loan, I need a sum of money to cover the loan fees and various installments of the month. I am the only one who can save you. I only borrow half a month and I will pay it back when it is due.
I know that my friend had debts before. Before that, he would occasionally borrow seven or eight thousand from me, and he would pay it back in a few days. He never broke his promise.
My friend’s girlfriend is a spendthrift, and my friend also has a hobby of gambling, which was a pastime for everyone in college. I lost three thousand and stopped playing. My friend kept playing for a long time. It seems that I still want to make a fortune, so I borrowed some money to speculate in currencies. When I asked my friend how I owed so much money, my friend said this. I don’t know the details.
Therefore, combined with these factors, it is certain that one cannot make ends meet. Credit cards and online loans naturally start to arbitrage money endlessly. This snowballs and the debt becomes more and more.
I don’t know how much the debt is, my friend only said two to three hundred thousand.
I feel that I am a decent person and I am very particular. Although I still owe tens of thousands, but my friend said so, and I have previous feelings. Without thinking too much, I transferred 25,000 to my credit card for an emergency with a friend. Because I am particular and righteous, I think I am a good friend. That’s what I thought at the time.
If nothing else, surprises will always come.
When the appointed time came, my friend started to find reasons why he couldn't make it. I'm a little unhappy because my friend broke his promise. But I didn’t say anything more. I thought I was a person who didn’t want to talk too much, and I didn’t want to be verbose with my friends, so I agreed to pay back the money in six months.
I asked other classmates and roommates to find out about the situation, and found out that this friend had borrowed money from them, and even encouraged others to lend him money through online loans. I discovered that I am a fool.
Once again, the appointed time came, at noon, and my friend invited me to have a voice call. Yan said he had no money to pay back, and asked me to lend him another 25,000 yuan to help him for another two months. My friend said that a house in my hometown in Shandong was to be demolished, and the resettlement fee would be paid to my account at the end of August, and 50,000 yuan would be returned to me with interest.
Growing up, I have never heard of anyone borrowing money like this. Before the first one has been repaid, they have to borrow a second loan. I refused because I had discovered that I was an idiot.
My friend started to cry and told me about our friendship back then, about how he went about owing money, and how he once thought of committing suicide because of his heavy debts. At the same time, he sent me a memorandum of suicide note to let me know how difficult it was for him. You want me to be considerate. He also said that his parents were guarantors and would repay him even if he died. Trying to get me to believe him, believe what he said, and believe in his determination to pay back the money.
I refused verbally and cursed him because I had discovered that I was an idiot.
I asked my friend when I would be able to pay it back, and he promised me that the resettlement fee would be paid back as soon as it arrives at the end of August. I denied the decision until the end of August and gave it until the end of September. He asked for his ID card again and said that if he didn't return it by the end of September, he would sue him directly.
Of course I won't sue, I'm just yelling and trying to put some pressure on my friends, but I still feel soft-hearted. My money is also hard-earned money, not blown by the wind. What's more, I used the credit card when I was already in debt. I feel that I am a good friend and have a lot of friendship.
Of course I knew it was difficult for him, because I had been in the same situation and had to climb out with great difficulty. So he shouldn't let me use my own difficulties to understand his.
I know that he has become obsessed with excessive consumption and has lost his face. But I knew it too late. When I discovered that I was a fool, it was also too late.
It was also this time that I realized that he only had 30,000 yuan on him. The rest of the money was paid for by his friends. For a moment, I was happy because I wasn't the only idiot. But I'm sad because so many people are heartbroken...
I don’t like to be nagging, and I never pushed my friends to do it, but something unexpected happened to me.
In early August, my friend took the initiative to contact me. I was filled with joy, thinking that my friend wanted to pay back the money, and I felt ashamed for having previously denied my friend's character. But I was wrong. Instead of paying back the money, my friend asked me to lend him money again.
My friends don’t treat me as a human being, this is my first feeling.
My friend said that he was going to sell his house and wanted me to lend him another sum of money to cover the time of selling the house. His logic is simple and clear. Only by borrowing this money from him can I pay it back until I sell the house.
Of course I refused, not only because this logic was very questionable and made people want to give him two sticks, but also because I had already discovered that I was a fool.
My friend said something more, and it didn't matter what he said, because I didn't believe a word he said, but I could hear resentment in his words.
After that, today came.
During the retirement season, one of my roommates joined the army in college and became an armed police officer. He was discharged from the army just two days ago.
Because of my service as a soldier, I have kept in touch with each other for many years, but not diligently. I don't know him, he doesn't know me, and he doesn't know anyone else. He suddenly called me and told me that a friend wanted to borrow money from him. He also made a lot of excuses and asked his parents to be his guarantee.
This roommate is not an idiot, only I am.
He told me that he didn't understand the details or the reason, but he understood it like I did.
At this time, I knew that the money was probably gone, and I felt even more uncomfortable, so I wrote this article, every word of which is filled with tears, and every line of it is "I am a fool".
But I couldn't talk to other friends because it was too late to bother me.
But if I don’t say it out loud, I’ll be so angry that I can’t sleep!
Although I know that big brothers are not idiots, only I am.
But I think there are still some eldest brothers who have just grown up, or are in college, or there are even younger ones. It is inevitable that these elder brothers will become fools in the future. I hope that I can learn from this incident of borrowing money. It can also be used by other elder brothers for fun. Eat two more bowls of rice, and it will give you a regular appetite and a good mood for the day.
There are two lessons.
1. Borrowing money must be carefully considered.
2. Do not engage in advanced consumption such as credit cards and online loans. If you have a penny, spend it, it belongs to you. If not, just hold it in and grit your teeth.
Some people embark on this path out of vanity. Some people do it to get rich suddenly. Neither of these two is desirable. Being down-to-earth, enduring hardships, and accumulating diligently and thriftily is what we ordinary people should do.
The most important point in the gap between the rich and the working people is that the rich can bear the risk of failure. For example, when a prince does business with 500 million, it doesn't matter whether he makes a profit or not.
But you and I can't.
If you fail once, you will be doomed...
How did I end up on this path? Because I applied for a credit card for someone back then. At that time, there was a team formation. You would do it for me, and I would do it for you. I had more than ten credit cards. I am used to spending a lot of money, so sometimes I just spend money if I don’t have enough money. I jumped in and jumped in.
If you really don't have enough money, try to control it as much as possible. Don't use credit cards unless necessary, let alone online loans. Many times, the lack of money is due to unnecessary desires and unnecessary expenses.
I didn't know where I read it, but it was said that there was a foreign devil who had thousands of credit cards in his name, a credit limit of hundreds of millions, and made billions of wealth. Whether it's true or not, I believe that most people don't play with credit cards, but are played by credit cards. I have been played by them.
Money is earned, not saved.
To me, this is the biggest joke. Because I can neither earn nor save.
The probability of you and me being blessed by fate is much lower than buying a lottery ticket, so it’s better not to take chances. Money spent must always be paid back.
…
In summary, I am an idiot.
above,
I've wasted my brother's time. Thank you for your support.
In fact, as I write this, my anger has been expressed and I feel much better. But if I don’t send it out, I feel like I’ve written it in vain.
I will delete it when I wake up tomorrow.
sleep!
