Money is very important, but not everyone can come up with1800,000 to start a business. What you need is someone else's money. There is only one way, and that is to borrow, borrow other people's chickens to lay their own eggs.
Don't feel terrible about borrowing, don't feel shameful about borrowing, mainly depends on what the purpose of borrowing is, in order to get more benefits, it is wise to borrow; If it is only for unreasonable consumption, it is a waste.
So learn to use other people's money as capital and find profits for yourself.
Some people seem to be afraid of getting into debt and think it is shameful to ask for help. Being in debt is a shameful thing. Only by exchanging one's own labor for basic living security can one feel at ease as a poor man. Adhere to the lofty self-deception, thinking that everything is Dont Ask For Help. Some people are different. This is a society that pursues progress and wealth. If you have the ability, you can find that there are many resources available. The rich always try their best to use the resources around them to serve themselves, such as funds, contacts, new projects and so on.
Rich people like to live a chic life. They like to make money with other people's money. Don't you see many people borrow money from banks and start their own businesses? Whether they succeed or fail in the end, they have the courage to do so anyway, at least they have tried.
The poor will think the rich are stupid when they look at these failed examples. They might as well live a stable life like themselves and start a small business at most, at least they won't lose money or owe a lot of debts.
But because of this, the poor will not go out of the circle of the poor and remain poor all their lives. So who is more stupid? Some people want to start their own companies, but they always complain that they have no capital and can't set foot in shopping malls. Yes, when it comes to shopping malls, what is needed is "the soldiers and horses have not moved, and the food and grass go first." When starting a business, operators who are new to shopping malls must have certain funds in order to make their business run effectively. No matter how good the goals, ideas and plans are, if they are not supported by certain economic strength, they can only be on paper. It is no wonder that many operators believe that funds are the blood that sustains the life of the cause.
The same is borrowing money. Some people borrow money and don't pay it back, while others borrow money to become the richest man in China. Without a prominent background and higher education, Huang Guangyu became the richest man in Hurun's "2004 China Rich List" with assets of 654.38+005 billion yuan. Huang Guangyu, the son of a farmer, successfully built Gome as a printing machine in 18, with an average of 1.598 million yuan stuffed into Huang Guangyu's pocket every day. "Huang Guangyu has amazing financial ability", which is a common view of Huang Guangyu's success. There is always a way to succeed. The secret of Huang Guangyu's wealth can be summed up in four words, that is, "borrowing chickens to lay eggs"-borrowing other people's money to achieve his own career.
We say that borrowing money is the capital for starting a business, not for consumption. Only by grasping this principle can we not waste borrowed money.
Simply put, look at those big groups. Did they earn more money at first or did they earn more when they had more capital? Of course, the greater the capital, the greater the profit.
The larger the capital, the larger the investment scope. You can choose a more profitable industry to do it, or you can do it in an industry. Only in this way can you get more benefits. Think about how much money you can earn a month by opening a small noodle restaurant. Compared with big hotels, you will be easily squeezed out, bankrupt and take the risk of 100% to do things.
Of course, not all the rich have their own capital. They borrow money from banks, raise money from the society and use other people's idle resources. In other words, they are willing to use other people's money to make money for themselves. All the money you earn is your own, so why not?
The poor are afraid to do so. They have low income, few sources, narrow roads and short-sighted. They all use their savings to do small business, and a little income is enough. It is unacceptable to let them take risks.
Open a small clothing store, with less investment and quick recovery, and make ordinary clothes, because brand-name clothing stores are too expensive to open. He earns 3000 yuan a month by opening a shop. Not bad, 30 thousand a year
If you have more capital, open a brand-name clothing city and think about the difference.
Only by absorbing more original capital can we get higher profits. No pay, no return, the more pay, the more return. In fact, in shopping malls, if it's not for consumption, why can't we borrow money? Invest the borrowed money in the projects you see. After a year or two, when you pay off the principal and interest, you can still have a lot of money in your bank account. Of course, you must pay off the principal and interest first, and the loan interest is very high. However, you still made money. How did you make all this money? Because the interest on the loan is an amazing wealth, which is your motivation to do things. If you don't turn the funds around and generate interest, you may not even be able to pay off the loan interest.
Emerson said, "What I need most is for others to force me to do what I can and should do." . In other words, it needs a kind of pressure. "Lending a sum of money gives you a natural pressure. Because of this pressure, you have to give up the plan of spending money first, and at the same time, you can get rid of your bad habit of laziness, let the funds in your hand turn around quickly, and consciously or unconsciously invest in your busy career.
Daniel Rowe Law, an American billionaire, did just that. When he realized this truth, he was already a middle-aged man. At the age of 40, he still has nothing and is a poor man. Suddenly one day he found a way to make money with other people's money, so that he could do business even without capital. So he started doing it. He first encouraged the bank to borrow money to buy an ordinary garbage wheel, then converted it into an oil tanker and rented it out. Then, he skillfully used this ship as collateral, borrowed a sum of money from the bank, bought a cargo ship, converted it into an oil tanker and rented it out.
After doing business for so many years, he has more and more funds, and it is easy for him to repay the bank loan. When he changed the loan, it was also the time when the yacht regulated itself and became his own private product, and the future rent was his own. Later, he felt that this kind of business was still not too big and wanted to push his career to a higher level, so he came up with a brilliant idea. First, organize people to design and build a ship. Before placing the keel, he found a transportation company to book a cabin and charter a boat. Lovello took the charter contract signed by the company with him, used the "future" rental income as a guarantee, borrowed money from the bank, and then used the borrowed money to build a ship. After several years, the loan was paid off with interest, and the boat was owned by Lovello. In this way, Robelo became the owner of a ship without spending a dime. This shrewd guy created deification from scratch.
Now he has a private motorcade all over the world, as well as many hotels, office buildings, steel, coal mines and petrochemical companies. He is a very clever man and knows how to make money from other people's money.
For those who don't have funds, but don't have other conditions, experience, technology and interpersonal relationships, if they borrow money to start a business, even if they can borrow money, I don't advocate starting a business, because the chance of success in such a business itself is very small, but if they have experience or technology and have good opportunities, they can borrow money to start a business.
Borrowing from relatives and friends is a simple and quick way. Borrow money from parents, brothers and sisters, uncles and aunts. If you have the financial ability, I believe you will lend it to you, but you must have two plans. In case of failure, you must be able to repay and plan your maximum repayment ability, so that you will be out of breath and unable to lift your head in the future.
As long as you borrow money, you must write an IOU to the other party, except maybe your parents, because as a child, you can never pay it back. However, you must pay back when you can, and try to specify the repayment date, so that they are full of confidence in your repayment ability, and borrowing from friends is the same. 200 1 I borrowed 5000 yuan from my parents, but my parents didn't mention it again, but my brother was with me in 2003. I took this money for my younger brother's tuition, and I took it back when my wife returned to her family in 2005. As for the money I borrowed from my friends in the process, I can't remember the quantity and amount, because I often borrowed it at that time and borrowed it after I paid it back. Of course, I lent it to them later. Everyone exchanges funds with each other and borrows from each other when they are in urgent need. Here, I want to emphasize that the venture loan must not exceed their repayment ability, so.