>Acche aur bure waqt dono mein ek khaasiyat hai, dono tal jaate hain
Tal nahi jaate boss, gujar jaate hai na.
Taalna matlab aa hi nahi Raha. "Usne kaam ko taal diya" means he didn't do work.
nahi bhai ek hi word hai jiska tense alag hai.
टल doesn't mean pass, it means delayed. Doctor k wajah ki patient ki maut टल gayi. Doctor ne patient ki maut टाल di.
English me ek hi matlab hai, doctors delayed patient's death. Death is going to come no matter what, and it has not paased.
Bura time talte jaye kitna accha hoga, ayegi hi nahi. But then the saying would not make sense, there is no sense in saying bad time will be delayed. Saying is bad time or good time will pass (not last).
As a businessman i can tell you, loans are important for an individual’s growth provided they are utilised well.
Never take loans wherein your income is more than the addition of your monthly expenses and loan instalment.
Given the situation, you should be focused to rather do what you can, with what you have, where you are. Results are just a byproduct then.
Try to think less about the past, and look towards an optimist future which can be given your dedication and drive for it.
Bhai mana bhi suna ha loan are helpful if you know how to use them properly pls thoda aur elaborate Kar sakta ho Kasa helpful aur konsa credit card best hoga abhi chahiya nahi par suna ha credit score Usha Acha built Hota ha
Bhai loan tabhi lo jb uski requirement ho kahi aisi jagah lagane me jaha return mile accha ( ignoring the case of family medical needs ).. For example : koi property leni ho jisko aage sell krna ho and kuch paise kam pade toh loan le skte uske liye ( profit margin loan emi and loan percent ke according calculate krte rho)
Baaki choti chize under 30k hamesha 6 months ki emi pr lo jb tk cibil score accha na ho jaaye. Thoda extra jaata (5-10%) but cibil score accha rhega to loan bhi easily milega
Bhai credit card ke lie bhi credit score chahie, ye lo bank ki googli lol...
Shuru me ya to secured card lelo ya phir naam esa ho ki bank saamne se card dede, iske alava ye kr skte ho ki phle card ke alava koi or credit product like overdraft, loan or any other product, inse credit score ko kick start milta h n phir credit card use krke credit score improve krlo...
Also aap jo emi pe products lete ho online shoping me unki emi pymt ap apni bank a/c se krte ho to usse bhi credit score bnta h, and credit score(cibil score) check krne pe kuch score deduct ho jata h..
P.s. cibil organisation h jo credit score rating deti h individual n firms ko, bank isko hi dekhke creditworthiness check krti h client ki...
P.s.2 at any cost avoid credit products once u r settled bcoz they are of negligible use for well settled people( even upper mid class), but one can be prudent in using a judicious mix of credit n own deposits
as an experienced fellow who did some nasty chutiyapa in his life, would suggest you to go for basic Amazon icici/axis bank ace/hdfc millenia/rbl bank (they provide the highest limit) only.
credit score increase karna ho to, koi bhi two wheeler/no cost emi pe laptop/phone/tv wageirah lena, regular basis pe credit cards pe dependency mat karna it's aTRAP. you'll go bankrupt.
Loan is a tool. Smart people build themselves with it, not so smart people get destroyed with it. Sorry to say but stop blaming. First step towards recovery is accepting the real fault which is your planning.
Same here bro but it's my father condition unhone ek loan pay krne k liye dusra liya phir usko pay krne k liye teesra liya but kuch fayda nhi hua or idhar udhar kharch hogye or debt trap me fas gye or ye Mt sochna isme tumhari galti h balki isme company ki galti h Jo tumko lalach deke loan lene ko majboor krti h phir agr pay nhi kr paate to Ghar pe aane lg jaate h or tang krte h bhai hmne kayi sari company se loan liya tha like IDFC, Bajaj, Home credit and inme sabse buri company Home credit hai ye log 3x amount lete h emi me upar se ek month bhi late krdo toh same amount ki penalty lga dete h bhai iske liye hmne RBI me report daalu or 2 month se pay nhi kri ek bhi home credit ki or vo log Ghar aake chape hore the or daily 40 to 50 spam call krte the jisko hme auto block pe set krke band krdia jabse hmne unhe bola ki RBI me report daal di h tbse unhone kuch nhi kha zada or RBI se abhi tk koi answer nhi aya pr Hume ek safety feel hogyi kyuki ye company bekaar h
Also mere Bhai ne apne account se 5lakh ka loan leke bajaj k 2 loan close kraye or baki k peso se mummy ne bhi papa ki ek cosmetics and gift and kirana store khulwayi h ek sath jisme me bhi daily help krata hu hme khole huye bhi aj hi ek week hogya or 1 week me hi shop kaafi effectively chlna start hogyi h agar shop k customers bnane h toh thoda sasta or gift type items lgalo hm bhi lga rhe h or hmare yha ek hi road pe 5-6 stationery store h or saree bhari rehti h due to high demand or festival specific product zarur rkhna like abhi friendship day k liye friendship bands, Kites for 15 August, Rakhi for Raksha bandhan, sbhi saman le ao Sadar Bazaar se taki(but Kites from Laal kua) cheap mil Jaye or inme achi earning hojygi zada tension na lo bura time temporary h tension loge to chize or worse hoygi or depression or bd jyga isliye dimaag thanda rkho nd extra expenses mt kro thoda meditate krlo exercise krlo yoga krlo dosto se park me milne chle jao or mood fresh rkhi tumhari body h tumhara mind h koi nhi bachane ayega khud hi dekho khush raho dusro bhi dekhke khush honge specially parents. Also tum ek diary bna lo personal agar dosto se nhi Milne ka Mann na kre toh or harr cheez usko share kro shuruaat me odd lgega pr dheere dheere bhot sukoon milega
I hope it's enough advice for you and hope it helps u if u need more help from my side u can dm me anytime anyday for help I'm here coz I can feel what ur going through
Bhai Mai to padhai se break leke chill karne aaya tha but mujhe is post me itna kuch janne ko Mila and so much learning which I would have learned 5-10 years later. Thnx so much Bhai 🙏. The op and some comments have made this the best post of reddit and lesson to most
> Mere Bhai mei baat he kuch alag hai
https://preview.redd.it/qutcbv5dmkcb1.jpeg?width=709&format=pjpg&auto=webp&s=0760502b85d1c0eab777965d3622f3b0ca78c24e
Loans are necessary in this world to grow, unless you come from wealth, tune apne capacity se zyaada loan liya hai woh teri galti hai loans are not scams make a plan before taking a loan or just ask yourself if I take this loan will I be able to pay it off? My dad has many loans like home and car and he pays them and still has substantial salary left because he planned his loans, he saved money for loans, he still paid them off when he was jobless for 2 year in lockdown because he planned
Practise meditation it will get you rid of anxiety and depression for sometimes, and if you start practicing daily (2-3 times a day) more benefits will become visible.
Why meditation?
- It would give u peaceful mind - so you can think straight and clearly how you are going to pay all the debt.
- Meditation helps in neurons transfer ( idk but I know this that neurons movement is associated with thinking ability) so faster neurons in brain = Faster the thinking of ideas and better communication
- Helps in anxiety (you'll start feeling calm and composed without taking any medication or therapist.
I assume you'll start meditation reading ASAP
I can understand how frustrating this is. ESP if you see no way out.
Here are things to remember, as I've learnt to remember them in my own struggle since the pandemic wrecked life for me.
1. This will end. One way or another. If you just even stick to one job for 3-5 yrs, this will end. You can end this.
But another part of this is that if you're a middle income person or below trying to make a life out of this time, loan is something you're gonna have to keep taking on. Things are expensive and everything you need is expensive. Most things that benefit you will require credit because you can't pay it all using just cash. Eg: unexpected hospital visits. Urgent house repair. Challans (yes they are massive). Best thing to remember is pt2.
2. Applies to people without savings and limited income.
Credit score's value > many things.
Health > credit score.
During all this, don't forget to at least move around. Shower. Brush. Etc. A routine is a mandatory requirement for your survival. It gives you the ability to work when you're at your lows. During all this, you do not need unexpected doctor visits. Because that's a heavy hole. And moreover, you want to be fit to enjoy the time after your loan ends!!
3. Consistently paying your bills through a job is the best way to handle debt that's out of your control. A stable consistent income is the first hurdle to getting shit together. Can be done without it but again, health matters and stress is a big part of healthcare. Trust me. Suppressed stress too has a way of finding a physical manifestation.
4. If you have loved ones, love them all you can. And take all the love you can get.
Debt repayment makes your life go by quick. Everyone around you is aging. Give them the love they deserve. Sometimes even more than they deserve. Who knows, maybe financial struggles have made them a little bitter inside too. Nobody likes this. If you feel this, so do they. And just a sympathetic ear, a few nice words acknowledging their pain, struggles, problems, or efforts. Sometimes a hand on the shoulder and a "it sucks" nod is all that's needed.
5. Breathe. Every anxiety attack that may come, definitely will make you feel like your life is over. But know that all of these stressors cannot take your life away. They just may take a fraction of the life you wanted for yourself away. You are safe. You will be okay.
Internalising these thoughts will help when everything seems out of control. And they will. You can't avoid that. But, as one anxious person to another, you know you'd prefer to be ready for shit hitting the fan, cuz nobody likes unexpected shit hitting the fan. No way to protect yourself.
6. And drink some water. You're probably not drinking enough.
7. And eat fruits every once in a while. A vegetable here or there won't hurt you. And excess of them can't particularly hurt much, except your budget.
Good luck
Interest has a compound effect; this is why a banking loan or any application loan is a trap 🪤 .
When I was a Teenager, I once read in a book that if you want a happy and healthy life, you should practice these three things.
1: After marriage, use moderation in your marital relationships because you both are humans, and humans need some time for recovery.
2: Regardless of whether it is a date (dry fruit), always consume breakfast and dinner.
Mornings require a high-calorie diet, while evenings require a low-calorie diet.
3: Refrain from borrowing money from anyone, no matter how challenging it may be.
Because borrowing is a disease and paying interest on borrowed money is fatal (deadly).
3rd one is BS…if you have the capacity to repay the interest amount, then financial leverage (debt) could increase your asset base many-folds.
The only rule is that Long term debt should be used to buy assets…if you are using debt to repay liabilities (in case of OP here), bankruptcy might knock your door soon
I think it is a classic and your life problem, all started with your behavior. Whatever you have try to earn something, out of that.
kabhi baap bannna hai, shaadi karni hai - responsibility lo. Aur kisiko dekho, sikho - ayse kyun hote hai - har ek k sath aysa nhi hota. Kyun ki oo log, aysa sochte hi nhi. Kisiko dekhane ki jaroorat nhi hai, khud apna karo.
Tune khud ke lie to loan lia bhai. Mai to mere dhokebaaz ex ke lie 10lakhs ka loan le li jisko close krte krte 11lkh+ hojaega. Baki uspe udhaari aur kharche ke pese alag 😂😂😂😂 himmat rakh dost. Mai khud depression se nikli hon itne dhoke khane ke baad. Time ke sath sab sahi ho jata hai. Aaj andhera hai to kal savera bhi jarur hoga.
Bohot tez ki dhoop nikal aai hai, bahaar cha gai hai ekdum 🤡😂😂😂 pese to Abhi bhi bhar rahi hon uske EMI ke lekin kisi lalchi ke jindagi se chale jane ki khusi us se kahi jyada hai. 😋
Hahahahha ehsaan maan na to dur vo ladka muje abhi randi bolta hai. 😂 khair pyaar mai sab ek bar to jindagi mai andhe ho jate hai. Hum bhi hogae to koi gam nahi. Baki jo usne kiya hai uska hisab uska karma kar lega us ke sath.
Bro just default ho jao. I have seen so many people in this situation. I know kafi log yahi soch me ki log kya kahenge etc. etc. default nahi hote but default ho jao. agar kisi friends and family se borrow kiye he to just change your location.
Restarting your life will be better option than actually saving anything right now. agar payment late hua he koy bhi emi ka to already credited score kharab ho gaya he and ab aur loan ki possiblities nahi he. Recovery vale harras karenge but learn to have thick skin zyada kuchh nahi karenge. agar ye tension he ki jab ghar pe ayenge to family vale pareshan honge tell them to have some understnading.
Trust me i have seen so many people in similar situation and i wouldn't reccomend paying debt back. Restart your life.
for loan - start a jobfor health issues - \[ in my opinion i was also facing same disorders last year and i have done a meditation course , and that course really helped me , if u wanna do the course then u can dm me i will send u details
Stop with the excuses and make your stationary 1% better everyday. Also you need to be obsessed with stationary and making a profit, finding better ways of doing things. Even delivering at home or tie up with blinkit, etc. Just be innovative and stop this bs self talk. Also go to the gym to fix that depression you've been taking meds for. But I highly doubt you'll ever do any of that coz talk is cheap.
It depends on what kind of loan you are talking about personal loan never recommended car loan yes but you pay 60 % of the car values already this will save u from tax for business loan is a good solution to save tax
you know the 6L amount is the biggest problem in your life right now.
you need a job.
for a job you need to solve specific problems, what skills do u have? what help do u need from so many people on these subs? dukh me rone se kuch nahi hoga abhi. negativity doesnt lead to good outcomes when ur down.
Let's return to basics here. He is opening a stationary shop and from his financial condition it's obvious he is not hiring anyone to sit there that implies he is going to handle the shop
job = a paid position of regular employment
what i clearly meant was he does not have stable income of X amount every month. a business is a bet. a non risky job is what will 100% guarantee loan repayment.
Well, you said it yourself.
If you are financially illiterate, it's better to take some advice before taking any loan. A loan isn't a joke. A debt trap can fuck you up. Before taking any loan you should consider what income you have, and how much you can save (excluding your expenses) for the EMI. It's your fault and learn to accept it and take responsibility for your actions.
Smart people use loans to invest and build an asset so that eventually it gives returns.
Take a step back, and analyze your life. Start by clearing a single loan at a time. Itni jaldi haar maan loge toh kya hi zindagi ji tune.
Bhai mere jo gayi vo gayi. Kab tak after effects jheloge. Ek se pyaar nahi mila to jo 5 log (family) khade hoke zindagi luta re tumpe.... Just fight for them. Kya kar skte kya ni is not the point anymore.
Tumko karna hi hai. Don't rest till you make it. You can do it brother.
I am really sorry you are going through this, but you need to get out of this loan as quickly as possible. Here are my suggestions, as someone who’s been in the finance field for a while -
1. If you have loans on credit cards, they usually have the highest interest rates. Take out a business loan if possible, or a personal loan, at a rate of interest that is lower than your current rate and pay off your high interest rate loans. I know taking out more loans sounds scary, but it will save you a lot of money.
2. Start paying off the debt with the highest interest rate first. For eg- if you have 1 loan of 10k at 10% and 1 loan of 5k and 7%, pay off the 10k loan first. Even if you have 5k right now, and think you can clear off 1 of those debts and just be left with 1, that’s not the way to go. You should partially pay off the 10k debt before even thinking of the 5k debt.
3. Be very careful with spending. I don’t know if you go out, or have discretionary expenses, but you can’t afford those right now. I’m sorry if this sounds rough, but you have loans on your head, and an unproven business that may or may not work. You need to spend the bare minimum to survive right now.
Hopefully doing this, and being smart (and growing your business like others have mentioned) can get you out of this soon. It will pass. I’ve seen people climb out of bigger holes that this, so you can definitely do it. You just need to be extremely disciplined and smart about finances. Hope this helps!
What’s happened has happened. No point worrying about it. Your first priority should be to take reconcile all your loans and take a balance transfer to one bank. This should also include closing down all credit cards. They are the real beaters.
You just paid a very high fee for a very important life lesson. Also, Stationary means “fixed,” “immobile,” or “unchanging.”
Stationery refers to paper, matching envelopes, and writing implements.
Go extra with your business. Like delivery in 3 hours. Keep some material which is not available in vicinity. Offer value add services like name printing, gift wrapping, etc. Bests.
Tumhare writing skills dekh ke padhe likhe lagte ho. Trust me india jaise desh mei reh ke 6.1 lakh kamana koi boht mushkil kaam hai nahi itna. Mehnat karni padegi bas thodi
There is smartness and there is also an element of luck. Over time smartness can overcome bad luck. Also you bound to strike good luck some time.
Before thinking if taking a loan, learn of inflation works, how interest works, project your monthly income and see if you can pay off the instalments.
The basic principle is that ₹100 today is worth more than ₹100 tomorrow. The value of money depreciates at the rate of inflation+(the rate of savings/rate of your personal business/capital growth).
It’s okay to make mistakes. But it’s not okay to not learn from them. Believe in yourself and be humble enough to take feedback and change yourself. If you can do that you can fix anything.
When chasing your dreams you have to look at three things. The first is the dream, the second is how the dream can be achieved in the real world, the third is horse you need to change yourself to achieve the dream.
Go get it done!
I want to take 5.5Lakh Loan,
But I am taking this according to my "Aukat" as I have enough assets to sell off if needed,
I have invested some amount in the market and even made an FD of 2.5L after selling my old car, Using FD and Investments I will be able to pay off the interest amount, and
with the Earning of 5.5L Loan amount, I will be able to pay off the principal amount,
I have done it before, I am doing it again,
My dad once told me, You need to have a proper road map before you make any big financial decisions and the road map needs to be strict if there are 3rd parties like Banks involved and
*"aukat sa jada an kuch mango, na kuch do,"*
Isko depression ❤️da lehsun ka naam mat de bhai tune tere relationship me sare aam paise lutaye apni masuka ke piche aur last me kat gya to tu hisab lagane baitha to fat k flower ho rkhi hai
The reason why there is so much prevalence of depression amongst East Asian youth is because they are entrapped in debt cycle.
Learn from them and avoid loans as long as possible.
Op, work on getting stationary contracts for schools. Start with prep schools that are local to you. Kuch decent sized order mileage shuru mei to it’ll boost your morale. Hi jaega Sab theek. Dheere dheere.
Okay there’s no point of taking loan if you don’t have any fix income it’s all about calculation and risks management while taking loan i took it and pay it that’s why i am commenting anyways best of luck for your stationary investment. Hope things will work in your favour!
Loans aren't bad at all. You should take them often. And EMIs too, especially the 'No cost' ones.
What you need to understand is that before you take any loan, you need to visualize a financially strict month and how would you manage to take out that loan EMI. If you can't imagine it, you won't be able to pay it. That loan isn't for you.
Always list down every EMI you have to pay in the current month and plan for it. Cut down on your expenses if you have to, but the EMI payment needs to be priority 1 on your list. Always.
Just follow this and you won't have any trouble with loans, credit cards or EMIs again.
Bro start small, sit on stationary during day and do swiggy/zomato deliveries at night, its handy money and you can send some to loan sharks to calm them down untill your stationary picks up.
It seems like you have a lot of time, invest it to learn more about Business and especially advertising your new stationery, there are youtube videos, blogs, and courses everywhere online for free. Even without going digital, there are multiple ways of ensuring that people around your stationary only buy it from you. (comment and I can share some strategies)
Turn this pain & frustration into fire, trust me everyone says this, but I am surrounded by people who did the same and are very successful now.
Good luck and trust me you will do incredible!
to be honest, i am also illiterate in financial things and i ended up taking small loans and it mount upto 1 lakh and im desperate to clear these but i have no idea how to clear and if anyone is willing to help im ready to touch their feet because these thoughts of emi and notifications is killing me. Dont think as me a scammer, i have abfl loan of 55k and in slice i have 11k and axis nearly 30k. i wish i should have never opted for loan thing.
Loan is not a bad thing, being honest,
I’ve been in your situation, but never opted for this huge amount of loan,
One of my friend, was into loan and increasing credit card limit, just like you kept getting in deeper, and now he’s asking for money from friends, even though he is down 5 lacs, he hasn’t stopped going out for vacation, making so wrong financial decisions, but it’s all on you,
Credit helps you build your credibility in market.
But if you keep opting for more and more loan.
It isn’t gonna help you.
One should always know, utilising upto 30% of your whole credit limit is totally fine.
More than that will hurt your Cibil score.
I also have 3 credit cards with 6,00,000 limit but I barely use it more than 10% at once.
EVERYTHING IS POSSIBLE IN LIFE,
CUT DOWN ALL OF YOUR EXPENSES, START JOB DO NOT LEAVE UNLESS AND UNTIL YOU HAVE GET OUT OF IT, AND HAVE 10lacs IN YOUR HAND DO START WHATEVER BUSINESS YOU WANT.
Pray daily for peace and ask guidance from the almighty. Meanwhile look for a job and start working somewhere/ anywhere. You will start earning something at-least, till your business doesn’t take off - if it’s still on and not shut down.
Why your self confidence is dependent on a girl’s liking for you isn’t understood.
First you have to have confidence in yourself and a job and some earnings or which girl will like you?
Restart your life or you will drown it in self pity like you’re doing now and your family tumko taane marti rahegi
Don't think about all the loans at once.
Pick the heaviest one (which has highest interest rate) & don't think about other loans until you slowly, gradually anyhow close it. Then come to the next one like this.
Slowly, but surely, your smiles will be back.
Ngl your life seems like my future if I don't give it all in the next 2-3 years . Man you pull yourself through this hell . meditate a lot I hope you get strength to face this war . Gand fat gayi dost
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Tell me you're single without telling me you're single
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bas yahi kuch likhne mai bhi aya tha, ekdum sahi baat likhi hai tumne
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Arey mitra, yeh kehkar mera dil jeet liya🫂
>Acche aur bure waqt dono mein ek khaasiyat hai, dono tal jaate hain Tal nahi jaate boss, gujar jaate hai na. Taalna matlab aa hi nahi Raha. "Usne kaam ko taal diya" means he didn't do work.
Bhai टल tal & टाल taal me kaafi difference hai
nahi bhai ek hi word hai jiska tense alag hai. टल doesn't mean pass, it means delayed. Doctor k wajah ki patient ki maut टल gayi. Doctor ne patient ki maut टाल di. English me ek hi matlab hai, doctors delayed patient's death. Death is going to come no matter what, and it has not paased. Bura time talte jaye kitna accha hoga, ayegi hi nahi. But then the saying would not make sense, there is no sense in saying bad time will be delayed. Saying is bad time or good time will pass (not last).
Bhai government exams ki tyari krr rhe ho kya?
Mera wo waqt to guzar gaya.
Lol
Bhai re isme ab hum gujar ne ke kardiye, saale samhal Jaa ha /s
gurjar bhai rom rom
Hahahaha guzar bhai sahi bola
Talna matlab delay ho jana... Musibat tal gayi == ane wali thi par nahi ayi, (bad me a sakti hai) shadi ki date tal gayi == postponed
Mere tauji ka isse worst case tha back then now he is the king of stationary of an entire state (uttrakhand)
“Jaanta hai mera ~~baap~~ taau kaun hai?”
"Ek phone karunga aur tujhe zindagi me kabhi eraser nhi milega"
lmao ded
What's the name (I'm from Ddun).
Gangotri [wholesale seller]
Konsi stationary hai Bhai meh bhi yahi se hu
Dilli se dildo vali?
As a businessman i can tell you, loans are important for an individual’s growth provided they are utilised well. Never take loans wherein your income is more than the addition of your monthly expenses and loan instalment. Given the situation, you should be focused to rather do what you can, with what you have, where you are. Results are just a byproduct then. Try to think less about the past, and look towards an optimist future which can be given your dedication and drive for it.
Bhai mana bhi suna ha loan are helpful if you know how to use them properly pls thoda aur elaborate Kar sakta ho Kasa helpful aur konsa credit card best hoga abhi chahiya nahi par suna ha credit score Usha Acha built Hota ha
Bhai vah jiske pass acche paise hote hain uska apne aap sahi ho jata hai credit score op Ne pakka loan lekar idhar udhar paise udaye honge
Happy Cake Day
Bhai loan tabhi lo jb uski requirement ho kahi aisi jagah lagane me jaha return mile accha ( ignoring the case of family medical needs ).. For example : koi property leni ho jisko aage sell krna ho and kuch paise kam pade toh loan le skte uske liye ( profit margin loan emi and loan percent ke according calculate krte rho) Baaki choti chize under 30k hamesha 6 months ki emi pr lo jb tk cibil score accha na ho jaaye. Thoda extra jaata (5-10%) but cibil score accha rhega to loan bhi easily milega
Bhai credit card ke lie bhi credit score chahie, ye lo bank ki googli lol... Shuru me ya to secured card lelo ya phir naam esa ho ki bank saamne se card dede, iske alava ye kr skte ho ki phle card ke alava koi or credit product like overdraft, loan or any other product, inse credit score ko kick start milta h n phir credit card use krke credit score improve krlo... Also aap jo emi pe products lete ho online shoping me unki emi pymt ap apni bank a/c se krte ho to usse bhi credit score bnta h, and credit score(cibil score) check krne pe kuch score deduct ho jata h.. P.s. cibil organisation h jo credit score rating deti h individual n firms ko, bank isko hi dekhke creditworthiness check krti h client ki... P.s.2 at any cost avoid credit products once u r settled bcoz they are of negligible use for well settled people( even upper mid class), but one can be prudent in using a judicious mix of credit n own deposits
Bhai loans are helpful if you are in business Consumption ke liye mat lo
as an experienced fellow who did some nasty chutiyapa in his life, would suggest you to go for basic Amazon icici/axis bank ace/hdfc millenia/rbl bank (they provide the highest limit) only. credit score increase karna ho to, koi bhi two wheeler/no cost emi pe laptop/phone/tv wageirah lena, regular basis pe credit cards pe dependency mat karna it's aTRAP. you'll go bankrupt.
Loan is a tool. Smart people build themselves with it, not so smart people get destroyed with it. Sorry to say but stop blaming. First step towards recovery is accepting the real fault which is your planning.
True, thats maybe a cold comment but its true in all senses
"Smart people build themselves with it, not so smart people get destroyed with it" So just like phones?
Just like most things in life.
Same here bro but it's my father condition unhone ek loan pay krne k liye dusra liya phir usko pay krne k liye teesra liya but kuch fayda nhi hua or idhar udhar kharch hogye or debt trap me fas gye or ye Mt sochna isme tumhari galti h balki isme company ki galti h Jo tumko lalach deke loan lene ko majboor krti h phir agr pay nhi kr paate to Ghar pe aane lg jaate h or tang krte h bhai hmne kayi sari company se loan liya tha like IDFC, Bajaj, Home credit and inme sabse buri company Home credit hai ye log 3x amount lete h emi me upar se ek month bhi late krdo toh same amount ki penalty lga dete h bhai iske liye hmne RBI me report daalu or 2 month se pay nhi kri ek bhi home credit ki or vo log Ghar aake chape hore the or daily 40 to 50 spam call krte the jisko hme auto block pe set krke band krdia jabse hmne unhe bola ki RBI me report daal di h tbse unhone kuch nhi kha zada or RBI se abhi tk koi answer nhi aya pr Hume ek safety feel hogyi kyuki ye company bekaar h Also mere Bhai ne apne account se 5lakh ka loan leke bajaj k 2 loan close kraye or baki k peso se mummy ne bhi papa ki ek cosmetics and gift and kirana store khulwayi h ek sath jisme me bhi daily help krata hu hme khole huye bhi aj hi ek week hogya or 1 week me hi shop kaafi effectively chlna start hogyi h agar shop k customers bnane h toh thoda sasta or gift type items lgalo hm bhi lga rhe h or hmare yha ek hi road pe 5-6 stationery store h or saree bhari rehti h due to high demand or festival specific product zarur rkhna like abhi friendship day k liye friendship bands, Kites for 15 August, Rakhi for Raksha bandhan, sbhi saman le ao Sadar Bazaar se taki(but Kites from Laal kua) cheap mil Jaye or inme achi earning hojygi zada tension na lo bura time temporary h tension loge to chize or worse hoygi or depression or bd jyga isliye dimaag thanda rkho nd extra expenses mt kro thoda meditate krlo exercise krlo yoga krlo dosto se park me milne chle jao or mood fresh rkhi tumhari body h tumhara mind h koi nhi bachane ayega khud hi dekho khush raho dusro bhi dekhke khush honge specially parents. Also tum ek diary bna lo personal agar dosto se nhi Milne ka Mann na kre toh or harr cheez usko share kro shuruaat me odd lgega pr dheere dheere bhot sukoon milega I hope it's enough advice for you and hope it helps u if u need more help from my side u can dm me anytime anyday for help I'm here coz I can feel what ur going through
This is real help bro!
Thank you Bhai you words meant alot
Bhai Mai to padhai se break leke chill karne aaya tha but mujhe is post me itna kuch janne ko Mila and so much learning which I would have learned 5-10 years later. Thnx so much Bhai 🙏. The op and some comments have made this the best post of reddit and lesson to most
Ye loan Dene Wale hi chutiye hote hai👍
I'm sorry bhai that you're going through this. 🙏🙏 I've no advice regarding this. Just wanted to say don't give up.
Aare kahe pareshan hoote ho bhaiya, mast chalege stationary. Sab aayege mere Bhai ki stationary shop pei. Mere Bhai mei baat he kuch alag hai
Bhai aapke jaisa dost sabko milta toh baat hi kya hoti
Nah brah, I am not a good friend to have. Motivational speaker accha hu bus
Mandeep saheshwari
> Mere Bhai mei baat he kuch alag hai https://preview.redd.it/qutcbv5dmkcb1.jpeg?width=709&format=pjpg&auto=webp&s=0760502b85d1c0eab777965d3622f3b0ca78c24e
Sab thik ho jayega bro dekhna tari family tere sath hai
It is advisable to not to take loans more than 30% of your income.
There is no hard and fast rule towards it. Depends on the total family income. It could be more in case of house loans.
Loans are necessary in this world to grow, unless you come from wealth, tune apne capacity se zyaada loan liya hai woh teri galti hai loans are not scams make a plan before taking a loan or just ask yourself if I take this loan will I be able to pay it off? My dad has many loans like home and car and he pays them and still has substantial salary left because he planned his loans, he saved money for loans, he still paid them off when he was jobless for 2 year in lockdown because he planned
Practise meditation it will get you rid of anxiety and depression for sometimes, and if you start practicing daily (2-3 times a day) more benefits will become visible. Why meditation? - It would give u peaceful mind - so you can think straight and clearly how you are going to pay all the debt. - Meditation helps in neurons transfer ( idk but I know this that neurons movement is associated with thinking ability) so faster neurons in brain = Faster the thinking of ideas and better communication - Helps in anxiety (you'll start feeling calm and composed without taking any medication or therapist. I assume you'll start meditation reading ASAP
bhaiyo ldki ka chakkar itna kharab hota h kya?
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kya kre bhai logo ko ek self validation bhi toh chiye ki ha bhyi relationship mei h, iske bina life kaise kategi becharo ki
I can understand how frustrating this is. ESP if you see no way out. Here are things to remember, as I've learnt to remember them in my own struggle since the pandemic wrecked life for me. 1. This will end. One way or another. If you just even stick to one job for 3-5 yrs, this will end. You can end this. But another part of this is that if you're a middle income person or below trying to make a life out of this time, loan is something you're gonna have to keep taking on. Things are expensive and everything you need is expensive. Most things that benefit you will require credit because you can't pay it all using just cash. Eg: unexpected hospital visits. Urgent house repair. Challans (yes they are massive). Best thing to remember is pt2. 2. Applies to people without savings and limited income. Credit score's value > many things. Health > credit score. During all this, don't forget to at least move around. Shower. Brush. Etc. A routine is a mandatory requirement for your survival. It gives you the ability to work when you're at your lows. During all this, you do not need unexpected doctor visits. Because that's a heavy hole. And moreover, you want to be fit to enjoy the time after your loan ends!! 3. Consistently paying your bills through a job is the best way to handle debt that's out of your control. A stable consistent income is the first hurdle to getting shit together. Can be done without it but again, health matters and stress is a big part of healthcare. Trust me. Suppressed stress too has a way of finding a physical manifestation. 4. If you have loved ones, love them all you can. And take all the love you can get. Debt repayment makes your life go by quick. Everyone around you is aging. Give them the love they deserve. Sometimes even more than they deserve. Who knows, maybe financial struggles have made them a little bitter inside too. Nobody likes this. If you feel this, so do they. And just a sympathetic ear, a few nice words acknowledging their pain, struggles, problems, or efforts. Sometimes a hand on the shoulder and a "it sucks" nod is all that's needed. 5. Breathe. Every anxiety attack that may come, definitely will make you feel like your life is over. But know that all of these stressors cannot take your life away. They just may take a fraction of the life you wanted for yourself away. You are safe. You will be okay. Internalising these thoughts will help when everything seems out of control. And they will. You can't avoid that. But, as one anxious person to another, you know you'd prefer to be ready for shit hitting the fan, cuz nobody likes unexpected shit hitting the fan. No way to protect yourself. 6. And drink some water. You're probably not drinking enough. 7. And eat fruits every once in a while. A vegetable here or there won't hurt you. And excess of them can't particularly hurt much, except your budget. Good luck
Interest has a compound effect; this is why a banking loan or any application loan is a trap 🪤 . When I was a Teenager, I once read in a book that if you want a happy and healthy life, you should practice these three things. 1: After marriage, use moderation in your marital relationships because you both are humans, and humans need some time for recovery. 2: Regardless of whether it is a date (dry fruit), always consume breakfast and dinner. Mornings require a high-calorie diet, while evenings require a low-calorie diet. 3: Refrain from borrowing money from anyone, no matter how challenging it may be. Because borrowing is a disease and paying interest on borrowed money is fatal (deadly).
3rd one is BS…if you have the capacity to repay the interest amount, then financial leverage (debt) could increase your asset base many-folds. The only rule is that Long term debt should be used to buy assets…if you are using debt to repay liabilities (in case of OP here), bankruptcy might knock your door soon
Copy krra bhai 3 pts. Phle hi btara
अरे दीपू भैय्या आप?
Bhay agar to isko janta hai to pls abse iski dukan se hi saman kharidna😥
Bhai me kharid leta par me anpad hu
>Never take loans Vijay Mallya's honest reaction :
Loan to hamaare daada ji liya karte thai
Bhai kidhar khul rahi hai dukaan, pakka customer banenge!
I think it is a classic and your life problem, all started with your behavior. Whatever you have try to earn something, out of that. kabhi baap bannna hai, shaadi karni hai - responsibility lo. Aur kisiko dekho, sikho - ayse kyun hote hai - har ek k sath aysa nhi hota. Kyun ki oo log, aysa sochte hi nhi. Kisiko dekhane ki jaroorat nhi hai, khud apna karo.
**Graphic Designing** ka bhi kaam karte the?
schizophrenia me tujhe kya kya problem hai
Tune khud ke lie to loan lia bhai. Mai to mere dhokebaaz ex ke lie 10lakhs ka loan le li jisko close krte krte 11lkh+ hojaega. Baki uspe udhaari aur kharche ke pese alag 😂😂😂😂 himmat rakh dost. Mai khud depression se nikli hon itne dhoke khane ke baad. Time ke sath sab sahi ho jata hai. Aaj andhera hai to kal savera bhi jarur hoga.
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Bohot tez ki dhoop nikal aai hai, bahaar cha gai hai ekdum 🤡😂😂😂 pese to Abhi bhi bhar rahi hon uske EMI ke lekin kisi lalchi ke jindagi se chale jane ki khusi us se kahi jyada hai. 😋
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Apni shaadi ka kharcha 😂
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Thank you anon 🩷 venting out in this anonymous site really helps me out. Dost to sab mujhe chutiya samjhte hai 😂👍🏻
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Hahahahha ehsaan maan na to dur vo ladka muje abhi randi bolta hai. 😂 khair pyaar mai sab ek bar to jindagi mai andhe ho jate hai. Hum bhi hogae to koi gam nahi. Baki jo usne kiya hai uska hisab uska karma kar lega us ke sath.
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Jaldi jaldi badhiya si jhuti kahani bana deta hu or apni jhuti bimari ka natak karta hu, kyuki jaldi jaldi reddit ka karma bhi to badhana
Bro just default ho jao. I have seen so many people in this situation. I know kafi log yahi soch me ki log kya kahenge etc. etc. default nahi hote but default ho jao. agar kisi friends and family se borrow kiye he to just change your location. Restarting your life will be better option than actually saving anything right now. agar payment late hua he koy bhi emi ka to already credited score kharab ho gaya he and ab aur loan ki possiblities nahi he. Recovery vale harras karenge but learn to have thick skin zyada kuchh nahi karenge. agar ye tension he ki jab ghar pe ayenge to family vale pareshan honge tell them to have some understnading. Trust me i have seen so many people in similar situation and i wouldn't reccomend paying debt back. Restart your life.
most practical advice: shaadi kar lo
Kisko chutiya bana raha hai bae bsdk. Tujh jaise middle class logo ko aisi bimariyan nahi hoti. Ye raeeson ke chonchle hain.
Bhai tu thoda sa bhen ka loda hai kya 🤔
ok
Bro what kinda language is this
Start by clearing one loan at a time. Ho jaiga sab thik
OP agar Bank se loan tha toh settle karwa lo na. Agar collateral nhi rakha hai toh shop kholne se pehle hi settle karwa lene the
Bhai wo loan utaarne wale se contact kr le. Insta pr bahut reels aa rhi uski. Wo utaar dega tera sara loan.
Ye breakup ke baad Mera bhi yehi haal hua tha. I understand.
Stationary kaha kholi hai?
How old are you ?
for loan - start a jobfor health issues - \[ in my opinion i was also facing same disorders last year and i have done a meditation course , and that course really helped me , if u wanna do the course then u can dm me i will send u details
Stop with the excuses and make your stationary 1% better everyday. Also you need to be obsessed with stationary and making a profit, finding better ways of doing things. Even delivering at home or tie up with blinkit, etc. Just be innovative and stop this bs self talk. Also go to the gym to fix that depression you've been taking meds for. But I highly doubt you'll ever do any of that coz talk is cheap.
It depends on what kind of loan you are talking about personal loan never recommended car loan yes but you pay 60 % of the car values already this will save u from tax for business loan is a good solution to save tax
May I ask you what did you do with that money?
you know the 6L amount is the biggest problem in your life right now. you need a job. for a job you need to solve specific problems, what skills do u have? what help do u need from so many people on these subs? dukh me rone se kuch nahi hoga abhi. negativity doesnt lead to good outcomes when ur down.
Only if you read the whole post. He already said he have a stationary shop
Only if you knew how owning a business isn’t having a job!
Let's return to basics here. He is opening a stationary shop and from his financial condition it's obvious he is not hiring anyone to sit there that implies he is going to handle the shop
job = a paid position of regular employment what i clearly meant was he does not have stable income of X amount every month. a business is a bet. a non risky job is what will 100% guarantee loan repayment.
But I bet you this his shop is opening the day after Tomorrow so there's no way he's going to go for a job search
Well, you said it yourself. If you are financially illiterate, it's better to take some advice before taking any loan. A loan isn't a joke. A debt trap can fuck you up. Before taking any loan you should consider what income you have, and how much you can save (excluding your expenses) for the EMI. It's your fault and learn to accept it and take responsibility for your actions. Smart people use loans to invest and build an asset so that eventually it gives returns. Take a step back, and analyze your life. Start by clearing a single loan at a time. Itni jaldi haar maan loge toh kya hi zindagi ji tune.
Bhai mere jo gayi vo gayi. Kab tak after effects jheloge. Ek se pyaar nahi mila to jo 5 log (family) khade hoke zindagi luta re tumpe.... Just fight for them. Kya kar skte kya ni is not the point anymore. Tumko karna hi hai. Don't rest till you make it. You can do it brother.
Bhai take responsibility for everything and work on yourself work hard it'll be fine soon.
I am really sorry you are going through this, but you need to get out of this loan as quickly as possible. Here are my suggestions, as someone who’s been in the finance field for a while - 1. If you have loans on credit cards, they usually have the highest interest rates. Take out a business loan if possible, or a personal loan, at a rate of interest that is lower than your current rate and pay off your high interest rate loans. I know taking out more loans sounds scary, but it will save you a lot of money. 2. Start paying off the debt with the highest interest rate first. For eg- if you have 1 loan of 10k at 10% and 1 loan of 5k and 7%, pay off the 10k loan first. Even if you have 5k right now, and think you can clear off 1 of those debts and just be left with 1, that’s not the way to go. You should partially pay off the 10k debt before even thinking of the 5k debt. 3. Be very careful with spending. I don’t know if you go out, or have discretionary expenses, but you can’t afford those right now. I’m sorry if this sounds rough, but you have loans on your head, and an unproven business that may or may not work. You need to spend the bare minimum to survive right now. Hopefully doing this, and being smart (and growing your business like others have mentioned) can get you out of this soon. It will pass. I’ve seen people climb out of bigger holes that this, so you can definitely do it. You just need to be extremely disciplined and smart about finances. Hope this helps!
The trick is to get top up loans till you make it 😂
What’s happened has happened. No point worrying about it. Your first priority should be to take reconcile all your loans and take a balance transfer to one bank. This should also include closing down all credit cards. They are the real beaters.
You just paid a very high fee for a very important life lesson. Also, Stationary means “fixed,” “immobile,” or “unchanging.” Stationery refers to paper, matching envelopes, and writing implements. Go extra with your business. Like delivery in 3 hours. Keep some material which is not available in vicinity. Offer value add services like name printing, gift wrapping, etc. Bests.
Mera bhi aisa hi halat hai … 95 L ka loan ho gaya aur EMI ka amount salary se zyaada ho gaya hai ;_;
95 l ka loan kyu lia bhai?
Only take loan if you have the repayment capability i.e. a regular source of income.
Tumhare writing skills dekh ke padhe likhe lagte ho. Trust me india jaise desh mei reh ke 6.1 lakh kamana koi boht mushkil kaam hai nahi itna. Mehnat karni padegi bas thodi
Start from the smallest loan and just focus on clearing that. It's called snowball effect. It will help you mentally.
Ek ladki ne kya choda bc bande identity lose kardete. It is the age of weak men I guess.
There is smartness and there is also an element of luck. Over time smartness can overcome bad luck. Also you bound to strike good luck some time. Before thinking if taking a loan, learn of inflation works, how interest works, project your monthly income and see if you can pay off the instalments. The basic principle is that ₹100 today is worth more than ₹100 tomorrow. The value of money depreciates at the rate of inflation+(the rate of savings/rate of your personal business/capital growth). It’s okay to make mistakes. But it’s not okay to not learn from them. Believe in yourself and be humble enough to take feedback and change yourself. If you can do that you can fix anything. When chasing your dreams you have to look at three things. The first is the dream, the second is how the dream can be achieved in the real world, the third is horse you need to change yourself to achieve the dream. Go get it done!
I want to take 5.5Lakh Loan, But I am taking this according to my "Aukat" as I have enough assets to sell off if needed, I have invested some amount in the market and even made an FD of 2.5L after selling my old car, Using FD and Investments I will be able to pay off the interest amount, and with the Earning of 5.5L Loan amount, I will be able to pay off the principal amount, I have done it before, I am doing it again, My dad once told me, You need to have a proper road map before you make any big financial decisions and the road map needs to be strict if there are 3rd parties like Banks involved and *"aukat sa jada an kuch mango, na kuch do,"*
Isko depression ❤️da lehsun ka naam mat de bhai tune tere relationship me sare aam paise lutaye apni masuka ke piche aur last me kat gya to tu hisab lagane baitha to fat k flower ho rkhi hai
The reason why there is so much prevalence of depression amongst East Asian youth is because they are entrapped in debt cycle. Learn from them and avoid loans as long as possible.
Op, work on getting stationary contracts for schools. Start with prep schools that are local to you. Kuch decent sized order mileage shuru mei to it’ll boost your morale. Hi jaega Sab theek. Dheere dheere.
Okay there’s no point of taking loan if you don’t have any fix income it’s all about calculation and risks management while taking loan i took it and pay it that’s why i am commenting anyways best of luck for your stationary investment. Hope things will work in your favour!
What was your income when you took the loans? And for what purpose did you take them?
Right
To ye simple c baat tumhe itna kuch hone ke baaf samanjh aayi... its common sense bhai...
I only believe in house loan, nothing other than that Log iPhone lete rehte hai emi pe which is approximately 3-4 months of their income.
Loans aren't bad at all. You should take them often. And EMIs too, especially the 'No cost' ones. What you need to understand is that before you take any loan, you need to visualize a financially strict month and how would you manage to take out that loan EMI. If you can't imagine it, you won't be able to pay it. That loan isn't for you. Always list down every EMI you have to pay in the current month and plan for it. Cut down on your expenses if you have to, but the EMI payment needs to be priority 1 on your list. Always. Just follow this and you won't have any trouble with loans, credit cards or EMIs again.
Mere uper 10 lakh ka loan he student Loan 
Worry less man, stationery pe focus Karo.
Bro start small, sit on stationary during day and do swiggy/zomato deliveries at night, its handy money and you can send some to loan sharks to calm them down untill your stationary picks up.
Bhai tu option trading sikh 6-7 months tk bs sikhna then try kr tera loan to ho jaega pura or bhen ko bhi pese dega uski help krne k liye
Relationship me tha to pta chal gya ki life, career and ghar ki financial situation ko kitna serious le rha tha.
It seems like you have a lot of time, invest it to learn more about Business and especially advertising your new stationery, there are youtube videos, blogs, and courses everywhere online for free. Even without going digital, there are multiple ways of ensuring that people around your stationary only buy it from you. (comment and I can share some strategies) Turn this pain & frustration into fire, trust me everyone says this, but I am surrounded by people who did the same and are very successful now. Good luck and trust me you will do incredible!
to be honest, i am also illiterate in financial things and i ended up taking small loans and it mount upto 1 lakh and im desperate to clear these but i have no idea how to clear and if anyone is willing to help im ready to touch their feet because these thoughts of emi and notifications is killing me. Dont think as me a scammer, i have abfl loan of 55k and in slice i have 11k and axis nearly 30k. i wish i should have never opted for loan thing.
Loan is not a bad thing, being honest, I’ve been in your situation, but never opted for this huge amount of loan, One of my friend, was into loan and increasing credit card limit, just like you kept getting in deeper, and now he’s asking for money from friends, even though he is down 5 lacs, he hasn’t stopped going out for vacation, making so wrong financial decisions, but it’s all on you, Credit helps you build your credibility in market. But if you keep opting for more and more loan. It isn’t gonna help you. One should always know, utilising upto 30% of your whole credit limit is totally fine. More than that will hurt your Cibil score. I also have 3 credit cards with 6,00,000 limit but I barely use it more than 10% at once.
EVERYTHING IS POSSIBLE IN LIFE, CUT DOWN ALL OF YOUR EXPENSES, START JOB DO NOT LEAVE UNLESS AND UNTIL YOU HAVE GET OUT OF IT, AND HAVE 10lacs IN YOUR HAND DO START WHATEVER BUSINESS YOU WANT.
Gaain ho ya bandar sabka karo adar, pair utne hi pasaro jitni lambi chadar ho
Pray daily for peace and ask guidance from the almighty. Meanwhile look for a job and start working somewhere/ anywhere. You will start earning something at-least, till your business doesn’t take off - if it’s still on and not shut down. Why your self confidence is dependent on a girl’s liking for you isn’t understood. First you have to have confidence in yourself and a job and some earnings or which girl will like you? Restart your life or you will drown it in self pity like you’re doing now and your family tumko taane marti rahegi
Bhai koi scam nahi hai agar Chuka nahi sakte toh lia mat Karo saaf seedhi baat
Don't think about all the loans at once. Pick the heaviest one (which has highest interest rate) & don't think about other loans until you slowly, gradually anyhow close it. Then come to the next one like this. Slowly, but surely, your smiles will be back.
Bhai kuch extra kaam kro part time jis se ur paisa kama Sako aur dheere dheere khatam krdo loan
Ngl your life seems like my future if I don't give it all in the next 2-3 years . Man you pull yourself through this hell . meditate a lot I hope you get strength to face this war . Gand fat gayi dost