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Creditmania or life in debt


With the advent of the ability to borrow money or goods, consumers increasingly began to take out a loan. And if some get into a debt hole, having carefully weighed and calculated everything, then others completely thoughtlessly draw up loans in banks or use credit cards. But credit mania or life in debt is not as cloudless as it seems.

Numerous promotions in stores and beckon buyers. “Take the goods today, pay tomorrow!", “Only 18 rubles a day, and this luxury limousine is yours!”, “When buying on credit, get a gift for 1000 rubles!”. All these beautiful speeches cloud the minds of people so much that they do not even notice how they are hooked. Buying more and more goods on credit, it is already difficult to stop. After all, what is 18 rubles a day? Not even enough to travel. Few people think about increasing the final amount of monthly payments.

Dangers are added by all kinds of credit cards, so widely advertised today. Paying with their help, the buyer is not always aware of what is happening. And after a while, letters begin to arrive demanding a refund. Falling for the slogans of banks and promotions of stores, the lender is gaining more and more debts. The result is practically slavery in numerous banks.

In order not to become another lender, you need to carefully calculate your financial capabilities when applying for loans. It should be remembered that when paying monthly loan installments, you will have to limit yourself in other expenses. It makes no sense to buy household appliances, clothes, telephones and other technical pleasures in installments. Better save up and buy with cash. Yes, you will have to wait with the purchase, but such a purchase will be more desirable and save the budget (after all, you will not have to overpay interest, which sometimes reaches 1/3 of the cost of the product itself).

Every lender ends up going bankrupt. The inability to limit oneself in spending leads to the fact that the monthly income becomes less than the required loan payments. The danger of the situation is that the bank has the right to seize the property. In the most neglected cases, you even have to sell housing in order to pay off debts.

Getting a loan or buying with a credit card should not be intimidating and repulsive, but you need to know when to stop in everything. A competent approach to budgeting will save you from many problems and will allow you to make both small daily purchases and large acquisitions.

What if the purpose of the relationship is something unconditional for which both the man and the woman could take responsibility? What if this is… the practice of love? Love is what is within us; something for which we are responsible in both good and bad times. Love allows us to focus on our own efforts and responsibilities, as well as to notice the advantages of our partner. Too many people focus on taking something from the relationship. But, for a harmonious relationship, you need to give, take responsibility for your happiness, and then “invest” it in others.

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