Quote from: Uruhara on April 11, 2023, 10:56:05 PM

Quote from: beerlover on April 11, 2023, 08:05:23 PM

Quote from: wahyuagung26 on April 10, 2023, 06:55:25 PM

Quote from: Uruhara on April 10, 2023, 03:12:30 PM

Taking a loan is indeed one thing that must be avoided. but for some people who really have urgent needs and there is no other way, borrowing is like a solution at that time. but yeah another problem will come later. what we have to do is we have to be able to measure our personal finances.

When they are in a state of financial urgency and they don't have savings or assets that they can rely on to meet their needs, of course, the short cut is that they will try to find a loan, maybe borrowing is something that is really not a good thing to do, but at this very important moment will have to be done, especially constraints in need or urgent needs, and they are fully required to have to calculate their loan with income, so that later they will not be constrained in terms of payment.

That is true, I did that recently, had to take out a huge loan because I had to pay for something, otherwise there was no other option left. Not like all the people in the world get a loan to buy some items, or go to vacation, tha'ts not the case. I am fine though, I will pay that debt month by month and I should be fine, nothing should be a trouble for me.

However, that doesn't change the fact that I should be careful and not spend too much more. I already paid for my vacation, or at least half of it, and the other half will be paid in September. So I am looking fine, but that doesn't mean that I shouldn't have gotten the debt, it saved me from a terrible situation and thanks to that I am doing much better now.

Taking a loan to pay for something important that must be done immediately is not a mistake. because well it's true, in that situation even a loan can be a savior. but as long as you can also bear to pay off your loan bills then it will indeed be fine. I hope your income will be smooth and you can immediately pay off all your debts. and you also seem wise enough to manage finances so I don't think it will be a big problem for your finances. good luck guys.

Borrowing in a state of urgency because of a need rather than a desire is not a problem, and afterwards we must return it immediately, so that it does not become a burden on our minds to work. We often encounter this kind of thing in our environment and it becomes natural, only the difference from them is between those who are responsible and those who are not responsible, so we underestimate debt, especially if we borrow it from individuals, don't let us be like that, because we are destined to live socially