Put your debt to death
By bluepanjeet on Mar 20, 2008 in *Ideas Meets Improvements
I know someone who almost lost her family because of debts. Actually, the woman I am talking about is my distant relative. When she got married to my uncle, he does not know that she have so many unpaid debts. After their marriage, my uncle took a job in a luxury liner. His salary would reach millions of pesos if converted from dollars. The money that my uncle used to send his wife was purely intended for their children’s educational plans, mortgage and insurance premiums. But upon his return, he found out that all of his savings were gone. His wife allegedly used the money to pay for her debts, which can be, traced way back before he even met my uncle. But that’s not all, some portions of the payment were also borrowed from other people. Doing the math, let us just say that the 5 Million pesos of savings ended up in payment for the woman’s debt yet she still has an existing balance to pay for the remaining debts.
You may think that I’m just making this up but it is true. The couple almost separated just because the wife of my uncle has no skills in debt management. I know so many people who had the same experience; they all ended up bankrupt. Most often than not, they tend to borrow money from others, which has neither clear purpose nor future resources to set as collaterals.
I was never comfortable in borrowing money. I never had the guts or the inclination to do such. Maybe because my parents taught me that one should only consider borrowing money if they have a collateral to pay or if an emergency need arises. This is the reason why up to now, I do not owe anyone any money. I simply follow these five basic rules in avoiding debts:
- Do not buy what you don’t need
- Budget your money
- Prioritize basic and necessary needs
- Separate the money allotted for bills
- And never ever borrow money if you don’t have any projected cash coming in the near future.
With these simple rules, you can easily avoid being buried in debt. Debt Management consists of discipline, self-control and prioritization. If you follow these rules religiously, then I assure you that your debt will be put to death in no time.
BluePanjeet Interactives 2005-2008
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