Recently, I’ve seen many people around me troubled by debt, looking worried every day. Actually, I want to say one thing: how to turn around debt depends not on fate, but on determination.

Let’s first talk about the most common pitfalls. I’ve noticed that many people in debt, their first reaction isn’t to think about how to solve it, but to start fantasizing about getting rich overnight. Brainwashed by multi-level marketing, gambling to recover losses, investing in high-risk projects... and the result? The deeper they fall, the more debt they accumulate. This mindset is the most dangerous because it blinds you to reality.

What can truly help you turn things around is actually the simplest stuff. First, you need to understand that high interest rates are the biggest enemy. If you’re still being tormented by interest accumulation, there’s no chance to breathe. So the first step is crucial: stop the bleeding. Sell off idle assets, whether it’s luxury bags or jewelry, and cash them out on second-hand platforms. I know some people might feel ashamed, but debtors have no right to face face; surviving comes first.

Next is to endure. This word sounds harsh, but it’s really the core of turning things around. Eat cheap boxed meals, wear clothes worth only a few dozen yuan—every penny must be carefully managed. At the same time, find all legitimate ways to earn money—deliver food, drive for Didi, do part-time writing—anything that can increase your income. Many think living like this is too hard, but I want to say: days without debt are the truly sweet days.

When you get through the initial tough period and start to have some savings, it’s time to pave the way for the future. Use your spare time to learn new skills, study industry trends, and improve your competitiveness. Self-media, marketing promotion, professional skill enhancement—these are all directions that can bring higher income. Step by step, as your monthly income begins to stabilize and exceeds your expenses, you will truly see the dawn of turning things around.

To put it simply, the answer to how to turn around debt is determination plus persistence. I’ve seen too many people lose at the starting line, not because their methods are wrong, but because they lack the courage to be ruthless. If you’re still dreaming of quick success, still chasing superficial face, still indulging in instant gratification—sorry, you will never turn things around. Only by letting go of burdens and walking out of difficulties step by step can you win your life back. Debt is not the end; giving up is.