Borrow or save?

Borrow or save?
 Once again, the "dismissed" all salary debts? Again fidget in mind, who would take the money? If you regularly borrows money from friends, relatives, banks - is not it time to reflect and to change something in your life? After all, you are not only spoil your reputation, relationships, and your nerves. Debentures often tightening the noose around the neck of the debtor. Even if you are sure that all the debts paid, think, weigh the "pros" and "cons".

It would seem that bad to take someone's money? The situations are different - from the banal "miscalculated" to force majeure. Society tends to justify the use of the loan in some life difficulties: unexpected grief, major events, etc., and condemn regular small borrowing. Why so?

Can be attributed to the nature of the human tendency to tranzhirstvo, ease of concessions temptations, unjustified spending, self-indulgence. Is it possible this is something to do? Of course, it is possible, if a person is aware of their weaknesses. Usually, however, the situation is a person regularly taking in debt, similar to the situation with a person suffering from alcoholism. And one and the other equally deny addiction. Regularly borrow really becomes a habit, a bad habit not to count their money on their own, and rely on the fact that you help out others.

The ability (or opportunity) to borrow a certain amount of friends and relatives is a plus - you get the money now, by making small efforts, and implement their desire or need to buy anything.

But at the same time you get a few drawbacks. Minus the first is that you are spoiling their image. You present yourself as someone who can not control their spending, finance, and living beyond its means. Does such a person trust? Probably not.

Minus the second - the request to borrow money shows that you have a problem. Those who currently do not have them? And who wants in addition to their own problems to communicate with other people? Therefore, there is repulsion, quiet hostility, initially implicit, invisible.

Minus three - frequent borrowing causes a vicious circle from which escape is difficult. Let's say you decide to momentary, short-term, problem, found the money. But long-term difficulties are - you do not increase your income in the future, but rather cut it. After receiving a salary, for example, you have to repay their, hard earned, money, and again will be missed.

If you suddenly hard to get the money back, or you do not fit in the specified period of time, there is minus four. Oddly enough, the debtor is often spoiled attitude to those who rescued him. Instead of being angry at myself for not rational person tends to tolerate negative emotions the one who helped him. But before anyone feels in debt, which means that several humiliated.

Is it in vain in the Russian language, there are turns of phrase "the fate of the debtor", "debt load", and the whole expression "if you want to spoil relations - give a duty," "duty - the cause of sorrow and humiliation?" They clearly convey negative, heavy emotions, saying that the state ought not correct, dependent humiliating.

But, fortunately, not all acceptable to borrow, and the example of others you can learn to experience a successful economy. And what is the economy, and whether it has advantages? The concept of thrift is not equal to the concepts of greed or poverty. Of course, it is better to earn more than save. But if you read the stories, biographies of the rich and successful people, you will notice that each of them at one time it was necessary to save, calculate costs, and now they do not tend to overspend.

Economy - is, first of all, the judicious use of capital, rationality in the use of any resource. Little by little, saving money, you get the confidence and tomorrow. Far from groundless conceit that next month you earn, but quite reasonable assurance. And it will agree, is important.

Pre-planned purchase, you get the opportunity to raise the necessary funds, without getting into debt. The long-awaited acquisition brings more joy. No longer just enjoying newfound wealth period, but also a sense of self-worth from what you bought it yourself. Compare with the case of borrowing money. Momentary, unplanned purchase, for which you need to give more money does not bring so much joy, and sometimes even forgotten.

The image of the human economical benefits significantly compared with those who often lends. The first is a separate, independent, rational. If not on paper, at least in the mind of planning their purchases, and regulatory costs. A man without a debt freer nobody is obliged, has no need to curry favor with anyone, not ashamed of bad debts. Independently cope with their difficulties, self-assured.

So the answer to the dilemma of whether to take a loan, or to save, take your pick, based on which the image is closer to you, what is your own worldview and value orientations.

Tags: money, debt, economy