靠信用贷款探索生活

－胡司令－

　　当你辞掉现在的工作（不是被解雇），而下一个工作还没白纸黑字地落实，生活会一下变得很艰难；没有离开时雇主的一揽子补助安排，也拿不到政府提供的失业保险金。

　　　　在如今急剧降温的经济下，即使是热门职业，全职工作跳槽，周期至少也得１－２月。千禧年之前一周可以换一个职位的泡沫黄金时代，已是一去不复返了。在这样冰冷的“冬天”，没有从思想到物质的充足准备，不要轻易试水，或者下海。

　　　　由“长期饭票”跳到合同式雇佣从而开展你自己的注册业务，完全是另一回事－－你至少得适应和习惯长期的不确定性和安全感的缺乏。你需要渡过艰难的“孕育期”，在先没有任何收入的情况下，准备良好可行的商务计划，开拓挖掘客户群，耐心发展人际关系。起码按照有经验者的说法，开展自己的业务，头一、两年可能需要准备好降低生活标准！只要你在隧道里看得见一线曙光，你就应该坚持不懈，“勒紧裤带”，甚至在必要时借用银行信用贷款（个人或商务名义的）。

　　　　但是，如果你有家庭，有老婆孩子要负担，则应该尽最大可能避免财政上的困境。家庭中至少要有一个稳定的经济收入来源。

　　　　不论如何，要紧的是时间不能浪费－－如果你不在挣取面包，那你则一定是在作准备：不仅仅是技术上的，更重要的是商务上的准备和计划！

　　　　这一切，就是我在过去一、两个月里心甘情愿地去投身尝试的东西。谢天谢地，风雨困顿暂已过去，我又换到另外一个“长期保护伞”下，信用贷款终于可以停止借下去。这个过程中最大的收获是：我看到自己的商务计划与现实的距离，其中问题所在，以及不断修正期望值；下一步也要在业余时间继续一点点接近这个计划。

　　　　我把这段记下来，不算心路历程的写照，只是希望给自己和别人一点交流和鼓励，以及一个沉思和检讨的机会。祝我们每人自己的探索深思熟虑、顺利成功。

　　　　（２００３年３月）

　　Exploring Life on Credit Loans

　　2003/3/19 02:44:48 PST (newland, bcchinese)

　　Life can be tough if one quits or resigns from his job (instead of being laid off) before he has a solid offer in writing, without a package from the previous employer or unemployment insurance from the government.

　　Even in a hot field, the turnaround time is usually at minimum 1-2 months in terms of getting another full-time job, under such a cold economy.

　　Starting one’s own business (by contracting first) is another story -- one has to get used to the uncertainty and insecure feeling after all. One has to spend the "incubation" time preparing his business plan, digging client base, and hunting and networking patiently, without earning anything. As books say anyway, one needs to prepare for lower standard of living for as long as 1-2 years! As long as one sees some lights through the tunnel, he’d better hang in there even if he has to borrow money from personal lines of credit. With a family, however, the financial hardship should be avoided if possible, with at least one permanent income (oneself or the spouse).

　　No matter what, the time should not be lost -- If one is not earning, he must be preparing (not just skill-wise but more on the business side and planning)!

　　This is what I myself have tasted voluntarily in the past 1-2 months. Thank God it’s over for now, and I am switching into another full-time shelter. The biggest achievement is: I can see how to fix my broken business plan now, which I’ll definitely pursue further on the side.

　　I write this to encourage myself and give others a chance to ponder and comment. Good luck in your own exploration.

　　- bgk@hotunix.com