ハイエナ青田刈りorz

地方在住。自営業。 稼働は嘘偽りなく報告し、週2,3回2時間程の稼働で月5万円の副収入を約束します。稼働日記・機種攻略・生活情報・各種コラムなど。質問・ご意見・批判等待っておりますお気軽にどうぞ。過去の記事でも必ずお返事します!

2013年08月

借金は身を滅ぼす




読み物として随分有名ですが、私も学生時代にこの話を読んで随分参考になったので転載します。
ざっくりいうと、優秀でまじめな国立大生の松下さんがスロットと消費者金融によって滅んでいく体験記なんですが、実体験に基づいたものらしく非常にリアルです。

私も何度か読み返しましたが、借金だったりお金の恐ろしさに毛が逆立つような感覚に襲われます。

残念なことに、オリジナルのブログは消滅してしまったそうですが、後世まで残すべき読み物かと・・・
とても長いですがお金に困っているひと・スロット依存を自覚している方はぜひ読んでみてください。

---

この話は、主人公などの名前以外はすべて”事実”です。

<創刊にあたって>
はじめまして。このメルマガは「借金をしている人」「借金を考えている人」
たちに是非読んでいただきたいです。
というのも、作者である私は「借金によって身を滅ぼした1人」だからです。
この「メルマガ」は「1996年4月」から物語がスタートします。
最終回は「2002年5月」です。
この「7年間」に作者は、「400万円」を超える借金をしました。
そして、最終回いったいどのようなことが起きるのか?
作者である私は今どこからこの「メルマガ」を書いているのか?

すべては最終回「2002年5月」で明らかになります。



<人物紹介>

 名前:松下一樹(仮名)
 生年:1976年生まれ 
 地元:広島
 経歴:中学・高校と学業の成績は常に上位。
部活はバスケット。
大学は仙台の国立大学。
     

<1996年4月>

地元・広島から大学入学のため仙台に出てきた俺・松下一樹(仮名)
大学の入学式も無事終わり、友達も何人かできた。
大学は「某国立大学の経済学部」

アパートは4階建てで、部屋は3階の角部屋。
・家賃:55,000円(共益費込み)/月

最初の1ヶ月は、街と大学に慣れるためにバイトはしなかった。

・親からの仕送り:120,000円/月
 ※ここから家賃を払う。

・奨学金:40,000円/月

この頃はまだ「ポケベル」が全盛である。
(携帯を持ち出すのはまだまだ先)
・ポケベル代:約3,000円


<5月>

GWが終わった頃、バイトを探すために某アルバイト紙を買う。
「まかない」がでるアルバイトが希望だったので、近くの「そば屋」に電話する。
店の人:「ごめんね。もうバイト決まっちゃたんだよね」
またアルバイト紙を見てみる。
すると、アパートから5分くらいの「パチンコ屋」でバイトを募集していた。
私:「すいません。バイトを募集していますか?」
パチンコ屋の人:「じゃあ、今週の土曜日に来てくれる?面接するから」
私:「はい、分かりました」

結局、このパチンコ屋で大学時代の3年半バイトをすることになる。
・バイト代(パチンコ屋):1,000円/時間
 ※月で大体10万円前後になった。


この頃は、大学のバレーボルサークルにも入り、大学生活を楽しんでいた。
しかし、一人暮らしは暇な時間が多い事実にも気づく。

そして、借金の最大の原因である「パチスロ」の世界にはまっていく・・・。


<1996年5月現在>
 ・借入先:0件
 ・借入金:0万円
 ・毎月の支払い:0円



<1996年9月>

下にあるのは9月の私の通帳明細。

      お支払い   お預かり    差引残高
08.09.12         250,000     271,263
08.09.13  50,000             221,263
08.09.14  30,000             191,263
08.09.14  20,000             171,263
08.09.15  40,000             131,263
08.09.16  20,000             111,263
08.09.17  70,000             41,263
08.09.17  25,000             16,263


9月17日の時点で気づく。
「あっ、大学の学費を使ってしまった!!」

9月12日に大学の学費25万円(半年分の学費)を通帳にいれたのだが、
1週間も経たずに残高が2万円を切っている。
しかも、すべてパチスロ(パチンコも少々)で負けていた。

「どうする?」
不安になる。
いや、不安というよりも、先が見えない。
「おれにどうやって25万円もの大金を稼げるんだ?」

学費の銀行引き落としは、9月27日。
リミットはあと「10日」

人生で初めて「お金の工面」をする。
1、パチンコ屋のバイト代が25日に入る。→10万円
2、ゲームやCDなどを売る。→2万円

※25万円-(10万円+2万円)=13万円

あと「13万円」・・・。

頭の中をよぎる、「サラ金」の3文字。
「でも、おれ学生だし。学生は借りられないんだよな」

その時アパートのポストに入っていた1枚のチラシ。

 『学生・主婦・フリーター 50万円まで審査無し』

「学生でも借りれるんだ」
このときは一瞬これを「神様」だと思った。助かったと思った。

しかし、僕は「地獄の入り口」に立っていたのだった。



<1996年9月現在>
 ・借入先:0件
 ・借入金:0万円
 ・毎月の支払い:0円

<1996年9月・PART2>

1996年9月。
大学の学費をパチスロで使ってしまい、途方に暮れる俺。
「13万円」がどうしても今週中に必要だった。
そして、ついにどうしようもなくなり、「借金」という安易な考えにたどりつい
てしまう。

そんなとき、1枚のチラシが目に入る。
 『学生・主婦・フリーター 50万円まで審査無し』

「助かった」と思い電話する。

俺:「すいません、チラシを見たんですが・・・」
男:「(無愛想に)何歳ですか?」
俺:「20歳です」
男:「学生?」
俺:「はい」
男:「いくら借りたいの?」
俺:「できたら15万円くらい・・・」
男:「(かなり無愛想に)今まで消費者金融とかで借りたことある?」
俺:「いえ、1度も無いです」
男:「じゃあ、今から動ける?」
俺:「あっ、はい。大丈夫です」
男:「どこにいるんだっけ?」
俺:「仙台です」
男:「じゃあね、印鑑と健康保険証を持って、今から言うところに行ってくれる?」
俺:「分かりました」
男:「着いたら、もう一回電話ください」

俺:「着きました」
男:「そこに『武富士』さんあるでしょ?」
俺:「はい」
男:「今、こっちでデータを書き換えておいたので、そのまま行ってもらえればお金
   を借りれますので」
俺:「えっ?お金を貸してくれるんじゃないんですか?
男:「いや、違いますよ。借りれる所を紹介するだけですよ」

今考えると、これは「紹介屋」といわれるものだった。
結果的に「30万円」の限度額を勝ち取る(?)ことができた。
そして、その「紹介屋」に「5万円」を振り込んだ。

「ま~、学費も払えたしOKとしよう」
かなり簡単に考えていた。

しかし、「武富士」さんと6年も付き合うとは夢にも思っていなかった・・・。

そして、加速度的に借金は増えていく・・・。


<1996年9月現在>
 ・借入先:1件(武富士)
 ・借入金:20万円
 ・毎月の支払い:15,000円



<1996年10月~1997年1月>

9月につくった「借金20万円」。
毎月4万円ずつ返していくと、4万円×5ヶ月=20万円。
「完済」するのである。

「なんだ、簡単じゃん」

しかし、実際は簡単ではなかった。
10月は、がんばって「4万円」を返済した。
11月は毎月返済額「1万5000円」。
12月も毎月返済額「1万5000円」。

20万円-4万円-1.5万円-1.5万円=13万円。

う~ん、順調だ。しかし、これには続きがある。

13万円+3万円+3万円+1万円=20万円

返済した分(7万円)を、12月にお金に困って借りてしまったのだ。
結局、12月になった時点でスタートに戻ってしまっていた。

「ま~、大丈夫でしょ。12月・1月は大学も冬休みだし、バイトの時間を増や
 そう!!」

本当に12月・1月は働いた。
パチンコ屋にクリスマスも正月も無い。逆に「稼ぎ時」なのである。

12月:200時間(バイト時間)
 1月:150時間(バイト時間)

(200時間+150時間)×1,000円(時給)=35万円(バイト代)

「35万円」は学生としてはかなりの額だ。
にもかかわらず、お金は無かった。
借金も返済できていなかった。

「パチンコ屋」で働いた金を「別のパチンコ屋」に捨てていた・・・。


でも、この時期は楽しかった。
大学の友達とコンパしたりスノーボードに行ったり。

「借金」とは上手く付き合えると思っていた。

しかし、1997年は「人生で最悪の1年」になっていく・・・。


<1997年1月現在>
 ・借入先:1件(武富士)
 ・借入金:20万円(全く減っていない)
 ・毎月の支払い:15,000円



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コメントする

名前
URL
 
  絵文字
 
 

2013.8.27-微妙な展開でも折れずに載せ続けるッッ!-

「勝ちに不思議の勝ちあり、負けに不思議の負けなし」
と、私はよくいう。

完全に負け試合だとあきらめていたところに勝利が転がり込んでくることは、ままある。つまり、勝ちには「不思議な勝ち」が存在するのである。
しかし負けには「不思議な負け」はない。


これはプロ野球選手としても一流、監督としても一流の野村克也監督の言葉であります。

よく色々なところで引用されることも多いのでご存知かと思います


わたしは別に特に野球好きでも野村監督好きではありませんがいい言葉だとおもいます^q^



負けたときは不運だとか天命だとかいってあきらめたり、負け惜しみを口にしたり、言い訳をしたりするべきではない。負けには必ず原因があるのだから、嘆いたり、悲しんだり、なぐさめ合ったりしている暇があるのなら、敗因を徹底的に分析し、対策を練るべきなのだ。


せ、せやな!

---


北斗の拳-転生の章- B2 R2  431(735あべし) 


最近全然ひろえてないあべしさん・・・


ブログランキング・にほんブログ村へ

投資5K(921あべし)から天破(2度目)突入→BONUS!

これはいける(フラグ)



jpg















自身初の紫オーラいただきました^q^


・・・・・



単発orz(お怒りのため写メ省略)




-結果-

5K | 574(921あべし) | 激闘RUSH(紫オーラ)

(激闘RUSH1戦 148枚)

  |39(48あべし)   |ヤメ・メダル持って移動


高レベルATでも最初に省エネするか、どっと貯めないとあかんね・・・ たま四つシンサウザーサウザーシンで終了。天破中にBONUSだったので、終了後も天破とおもいきや天命の刻でデビルリバースにやられてスルー。

天破演出がフェイクでボーナスだったのだろうか・・・若干イミフ


--


鉄拳2 B1 R0  830


まだ見ぬデビルフリーズをもとめて・・・


メダル+投資6Kでビックから、ボナ後高確ARTにいくも



        見せ場これくらい、まあ一台としてはがんばってくれた!k
















-結果-

あまりメダル+6K | 1036 | BIG
               | 31     |鉄拳RUSH 
            |ART53|REG(+60G)
                            |218|RUSH抜け
                            |230|ヤメ・512枚


---

緑ドン-オーロラ-  B2 R1 864



-結果-

1K| 893 | ドンBIG

    | 44  | ヤメ・メダルを持って移動


まさかの開始1Kで強氷からボーナス、終了後白夜に行くもスルー。いまだにARTを引けずorz


---


パチスロAKB B5 R4  415


-結果-

持ち越しメダル+1K | 476 | 選抜ボーナス(努力45)

(神曲RUSH70G 238枚)

            |128 |ヤメ・53枚

ゾーン内でHITするも、選抜ボーナス中なにも引けず努力45で落胆するもまさかのART。マイナスでヤメ・・・

いろいろブログを見ているとAKBは0ヤメ派のひとがいますね・・第一ゾーンは本当に最終部だよりなんで
0やめでもいい気がしていた・・・解析班求む!みなさんは第一ゾーン回す派ですか?即ヤメですか?





本日投資 ¥13,000       本日回収 ¥11,300

本日収支   -¥1,700
今月収支   -¥6,400
総収支      +¥240,500



” あと5秒店にいれば青田ガリィから乱れウチィになるところだったZE  

☆☆ブログランキング参加中☆☆ モチベーションアップのためぜひ応援クリックお願いします
にほんブログ村 スロットブログへ

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