懷戀舊時味道
網貸這種事情沒有自制力的話，只會越借越上癮，如果沒有還款能力，最後只能是拆東牆補西牆，落得一發不可收拾。我也有朋友借網貸還不上的，催收的能把電話給打爆了，甚至還有罵人的。要想上岸，肯定得對自己的債務有個規劃，有些高利貸是違法的，實在還不上就先不還，不過欠債還錢也是天經地義的，最好是還上本金。還有寫 網貸是合法的，可以協商分期還款，千萬不要不接電話搞失蹤。不論怎麼還款，前提都是你得先讓自己有穩定收入了，才能慢慢上岸。上岸以後再也不要去碰網貸。還有一些人接觸網貸是因為賭，慢慢把自己陷進去了，這種首先是要戒賭，不戒賭即使上了岸，終有一天還是會被拖下水！
柒柒夏公子
既然想上岸，那麼就應該堅定自己的決心，相信做到以下幾點，你就能成功上岸！
Since you want to go ashore, you should firm your determination and believe that you can successfully go ashore if you do the following!
1、一定要和家人坦白
1. Be sure to confess with your family
父母是世上為數不多關心自己的人，不管家人有沒有能力幫忙，都要趁早和家裡說，越早越好。
Parents are one of the few people in the world who care about themselves. No matter whether their families are able to help or not, they should talk to their families as early as possible, the sooner the better.
雖然，家人掏空錢包幫你上了岸，但是他們的錢也不是天上掉下來的。幫你一次可能就要花掉他們十幾年的積蓄，甚至變賣家產，他們能幫你一次兩次，也幫不了你再多了。
Although the family emptied their wallets to help you get on the shore, their money didn't fall from the sky. It may take them more than ten years' savings to help you once, or even sell their property. They can help you twice, but they can't help you any more.
再不悔改，只會讓你的至親失望透頂，痛苦不堪，甚至妻離子散。
If you don't repent, you will only let your close relatives down, miserable, even divorced.
2、控制自己的消費
2. Control your consumption
你一定要遠離那些和自己收入不相匹配的開支。你不管不顧消費完，剩下的日子，就只能節衣縮食，或被債主一路攆著走。
You have to stay away from expenses that don't match your income. If you don't mind spending, you'll have to cut back on your food and clothing for the rest of your life, or be turned away by creditors.
不管你是因為賭博還是亂花錢，都必須改掉自己的壞毛病，從根源杜絕不必要的消費。少抽菸、少喝酒、少下館子、別買衣服，做個摳門的人，每個月至少能省出上千元。如果戒賭，甚至能減少上百萬的開支。
No matter you are gambling or spending money, you must get rid of your bad habits and eliminate unnecessary consumption from the root. Less smoking, less drinking, less going to restaurants, don't buy clothes, and being stingy can save at least a thousand yuan a month. If you stop gambling, you can even reduce your spending by millions.
最最最關鍵的是，要戒掉貸款，以貸養貸你永遠上不了岸。
The most important thing is to give up the loan so that you can never get on the bank.
3、不要放棄工作
3. Don't give up your job
有工作的人，恭喜你，只要你的收入不斷，上岸只是1,2年的事。如果有機會，儘可能換一份薪資高一點的工作。嘗試著去做銷售，收入不菲還能積攢人脈，月賺1,2萬也不是事。如果沒有更好的選擇，也要多找找兼職，只要你掙錢的速度超過還款的速度，那就離成功不遠了。
Congratulations to those who have jobs. As long as your income is constant, it's only 1 or 2 years to go ashore. If there is an opportunity, try to change a job with a higher salary. Try to do sales, the income is not poor, but also can accumulate contacts, monthly income of 12000 is not a thing. If you don't have a better choice, you should also find more part-time jobs. As long as you earn money faster than the repayment speed, it's not far from success.
沒有工作的人，也不要沮喪。在能力範圍內找一份工作，就算工資不高，也比沒有強。用自己掙來的錢讓催收閉嘴，比用借來的錢填補債務窟窿更踏實和快樂。
Don't be upset if you don't have a job. It is better to find a job within the scope of ability, even if the salary is not high. It is more practical and joyful to shut up the collection with the money you earn than to fill the debt hole with the borrowed money.
建議你從事可能辛苦但是收入可觀的職業。比如：送外賣、開車、做銷售，一方面這些工作辛苦一下有個不錯的收入，另一方面感受錢的來之不易。
It is recommended that you take up a career that may be hard work but has a good income. For example: take away delivery, driving, and sales. On the one hand, hard work can bring you a good income. On the other hand, I feel that money is hard won.
4、憑本事還錢
4. Pay back money according to ability
不要想著能躲過債務。就算不上徵信，小貸公司也有辦法用手裡的資料折磨你幾年，最好的辦法是給他們打電話協商還款，但是錢只夠本金多餘的利息錢沒有，前期肯定會跟你說這不行那不行，如果你不同意我就不還了，他們肯定同意的，他們也不傻，有總比沒有好吧！
Don't think about avoiding debt. Even without credit investigation, small loan companies have ways to torture you for several years with the information in their hands. The best way is to call them to negotiate repayment, but the money is only enough for the extra interest money of the principal. In the early stage, they will definitely tell you that it's not good. If you don't agree with me, I won't pay it back. They definitely agree. They're not stupid. It's better than nothing!
如果平臺同意給你減免利息，這個時候還本金千萬不要私下轉賬給催收，很容易被騙。最好是先錄音，再致電平臺客服確認，最後在app上進行還款。
If the platform agrees to give you interest relief, do not transfer the principal repayment to the collection in private at this time. It is easy to be cheated. It is better to record first, then call the platform customer service for confirmation, and finally make repayment on the app.
5、活著就有希望
5. There is hope in life
最後我想說別做傻事，別做傻事，別做傻事。人生還很長，這些事我們已經做的夠傻了，別再傻了。
Finally, I want to say don't do stupid things, don't do stupid things, don't do stupid things. Life is still a long time, we have done these things silly enough, don't be silly again.
與生死相比，網貸逾期並不是什麼太大不了的事情。儘管失信成本很高，但丟了工作可以再找，朋友沒了可以再交，貸不了款可以儉省一些，可如果失去了生命，一切就再無挽回餘地。
Compared with life and death, it's not a big deal that online loans are overdue. Although the cost of dishonesty is very high, you can find another job if you lose your job, pay a friend if you don't have one, and save if you can't borrow money. But if you lose your life, there is no way to save it.
只要還活著，未來就有無限可能，犯不上為了一點小事就一死了之。
As long as you are alive, there will be infinite possibilities in the future. If you can't do something, you will die.
不要想著一死了之，你的人生不止值這幾個錢，只要活著不出幾年就能重新開始。希望每個看完的朋友都能馬上上岸！
Don't think about dying. Your life is worth more than that. You can start again as long as you live within a few years. I hope that all my friends who have seen it will come ashore soon!
欣欣念念每一天
很多人都有網貸得經歷，網貸也分很多種，有的利息特別高，一般這樣違法得比較多，也有利息少得，屬於國家範圍之內得，逾期沒還肯定會有第三方公司給你打電話，而且會持續很長時間，也還會給身邊得親人朋友打電話，比較傷腦，這樣得話我們也可以嘗試協商，或者想其他辦法，總之辦法總會有的
