You Should Get Rid Of The Fear Of Loan
I admit I always tried to avoid loans. Yes, I know, the whole country uses them, but I had some kind of internal block. It seemed terrible to me that I would be obliged to pay the same amount at the same time for several months (or even years) without the right to be late or transfer payment for the next month.
I was constantly tormented by questions: what if I couldn’t pay? What if something urgent and important happens that I will have to spend all the money on?
But everyone around was calmly taken on the credit of cars or even at home, and I was afraid because of a loan of a thousand dollars. And at some point, I was tired of being afraid. I realized: I needed to act; I needed to overcome this irrational fear. I have a constant source of income, and everything is fine in my life. I even have a pillow of safety. And here, as if on purpose, my refrigerator broke. Moreover, it was broken so that it was simply impossible to fix it.
Then I thought: this is a chance! And I used it. I decided to take a personal loan to buy a new refrigerator. At first, I wanted to use the “Buy now, Pay Later” service, which is popular in household appliance stores, but then I decided to go all the way to get a loan and not cheat.
So, I went to the bank. Although previously, I looked at what loan conditions are in the district, I chose the most comfortable for me and even prepared all the necessary documents. Thanks to the Internet, which told me what I needed! However, I do not think that I would have been locked in jail if I had come to the bank not with a full package of documents. Although I would have to come again, I wanted to end all this as soon as possible.
A smiling woman met me at the bank, helped with filling out the application, and sent me home to wait for the loan approval. The bank needed three days to make sure that I was solvent and my credit history was in order, so they called me and said that my application for a loan was approved.
As a result, I git transferred money after a couple of days, I bought a refrigerator, and the same thing began that I was most afraid of. The term of my loan was only six months, and frankly, in the first couple of months, I literally shook over monthly payments, afraid to miss them. But everything was fine until the time of the last payment came.
Something happened to me that I am not ready to share yet. But I had to spend all the money that I had, even those that I postponed on a monthly loan payment. I had no choice but to call the bank and find out if something could be done about it. It turned out that you can! The bank allowed me to pay a week later, which was just the time I needed. So I still closed the loan and did not even spoil my credit history.
As a result, it turned out that a loan was not at all scary. And I can only imagine how much it makes life easier. Especially if you urgently need a large purchase. Even if not urgently, it is better to buy, use and pay a loan than to save money and live all this time without the thing you need.
I tell this because I know that many of us are afraid of loans, obligations, and everything that is connected with them. But not worth it. Start with a small amount, make sure that it is simple and use lending benefits!