I was playing on my phone with Alipay in the countryside when suddenly a message popped up saying that your temporary credit loan limit is about to expire, and the limit is 12,000 yuan. I felt a bit confused and wondered what it was reminding me for. These days, making money is so hard, and the interest rates on online loans are so high. What can I do with a loan? Opening a store costs too much anyway. This 12,000 yuan would only last a few months of rent at most and would be consumed quickly. Plus, the economy is not doing well now. Opening a store would definitely result in a loss. I can't even use this money for spending. The interest rate is 20%. When the economy was good before, many industries didn't even have such high returns. Now these capitalists are charging such high interest rates to ordinary people—it's like they're pushing us to the brink. The best way to survive this year is to spend nothing, eat and wear sparingly, and stay healthy.