A Cage In The Form Of A Loan
Designed On Canva
"Debt can turn a free, happy person into a bitter human being."
Michael Mihalik
All my life if there is anything I fear greatly apart from poverty, it's "debt,' it's like
cancer that eats slowly until it destroys. Like the quote above, you smile when getting the loan, and then subsequently, you lose your joy and become miserable if you are not able to pay it back.
I have seen great and responsible people become miserable and irresponsible because of loans, I have also heard of those who committed suicide because of loans.
I have also seen people who through loans become great in life. One thing most people don't know about loans is that they can either be a blessing or a curse, they can either make or destroy, and it all depends on how you use them.
"Money is like the wind," as many describe it, if you don't have what to trap it with, don't even think of getting it yet because it will complicate things for you.
I grew up knowing how dangerous loan can be, so in all my affairs, I do my best to keep off its lane but you know life happens, if all those things you are scared of and have been running away from don't catch up with you at one point or the other, I am afraid, you have not yet started life.
In the year 2022, I wanted to fix my room, I needed to make the place nice. It used to be in a very bad condition.
I got all the materials needed. That time I was among those benefiting from N-power.
On the day I fixed the work, everything was fine by morning, the workers came and started working. Suddenly, I got a call from a friend, asking for help. I knew his condition, he was in debt and the person was threatening to invite the police if he didn't refund.
He knew I just got my salary. Funny enough, the only money in my account that day was the money to settle workers. I made him understand the situation on the ground and he promised to pay back the next day.
After so much thought, I decided to give him the money and borrowed the same amount from my neighbor to settle the workers with the hope that when he brings the money the next day I'll pay her back.
The next day his number was off, I went to his shop and I learned he traveled. My neighbor started asking for her money. I got so confused, I just collected my salary, and I was not expecting any money anytime soon.
I explained my predicaments to her but she was not ready to listen, so she took the matter to my Mom. My Mom frowned at my attitude, especially when she learned I lent money when I had a project on the ground. She later pleaded with the woman to give me a little time and she agreed.
Guess what happened? It was then the government started misbehaving. Salary stopped coming. That moment was like hell for me. Anytime I saw my neighbor I ran and hid, even if she just wanted to greet me, I felt like she was going to ask for her money.
When she got tired of waiting, she came and told my mom that she was going to take anything from my room and sell it to get her money.
We had to beg again, I thank God for my mom if not I didn't know what that woman would have done to me. She just lost all the trust she had for me.
It was after three months they paid us. When I got my salary, I didn't hesitate, I went straight to her house and paid off the loan. She didn't ask for any interest but I know she won't trust me with money again
I felt so bad about the whole thing, But I had no other option than to take the loan from her, it was like the only option I had then.
Later, my Friend called and apologized, he told me he left unannounced because he didn't want anyone to know where he was until he settled all his debt. I felt for him though, when I demanded my money he started complaining again, so lastly, I told him to give me half of it and keep the rest and that was how we resolved the matter.
Lessons
Never collect a loan when you don't have any means to pay it back the next minute if the lender should come for it. It will cause you so much pain.
When you are in debt, getting fat is a crime, lol. Sometimes life just happens to us and in one way or the other we just see debt as the only option. I can't stop laughing at the part where you ran and hid from the neighbor you were owing, I imagined how it felt 😂.
LoL, big crime my boss. That thing is a cancer.
I have no option than to be hiding, you won't understand 😂😂
Never collect a loan when you don't have any means of paying back.
Your friend didn't do well at all and that's the attitude of people. They come begging and when they get what they want they misbehave.
Omo, I felt bad but I had to understand with him, he was in a very big trouble. He used people's money to invest in an online business that crashed
It's the opening quote for me and indeed it's very true... When you're owing someone, you just become so bitter because personally you would love to pay your debts but circumstances just can't allow you do that.
I understand your friend but then he didn't consider you at all, but well, I understand it's scary to owe
It's the opening quote for me and indeed it's very true... When you're owing someone, you just become so bitter because personally you would love to pay your debts but circumstances just can't allow you do that.
I understand your friend but then he didn't consider you at all, but well, I understand it's scary to owe
Hehehehe, it is for all of us sir. Debt makes a free person a prisoner.
I have to understand with him because his situation was bad. Anyways that was an experience.
Thanks for showing up broh. How's school na?
Indeed man...
School's going well oh, thanks for asking
Always welcome broh
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Thank you 🥰
Your friends behavior was very bad. You only collected the loan because of him and you had to suffer on his behalf while he traveled not caring how you will refund it.
People like him had taught me not to give out money that I can't let go.
Came in dreemport.
My dear, I learned my lesson, right now, I don't loan, if I can't gift you, I won't borrow you, period.
Thanks for amazing comment ma
I don't like borrowing, it is bad energy that settles in your life and causes setbacks.
(the best thing is that you learned the lesson, you wanted to help and ended up harmed, how bad 😔) - #dreemerforlife
Very unfortunate for me but I have learned just like you said. Thanks the sweet comment
That friend wasn't honest with you. It is one thing to be in need and another to tell the truth. Now you know not to make decisions like that.
What a great lesson that was.
You are right, if he was honest with me, I would have looked for other means to assist him but not loan from someone that eventually affected me negatively.
Thanks for reading ma ❤️
Your friend didn't do well in the aspect of communication. I can't imagine the shame.
I love the moral lesson here.
#dreemerforlife
Smiles, he did me bad but it was not his fault though, his situation was very bad
Yeah,I understand.
I was brought up that if you loaned money to family or friends you won't get your money back. So just make it a gift.
I feel for you!
#dreemerforlife
Hahahaha, I just learnt that now. 😂😂 But it hurts when you loan it at the time you were not ready to gift it out. Thanks so much for reading sir