Today is a happy day. It’s pay day and I expect to see a slight increase in my weekly salary because my last month’s pay slip says I’ve already finished paying one of my three cash loans at work. (It’s through salary deduction so I just have to look at my pay slip to check on their status.) The remaining two cash loans will be fully settled by September so that when October arrives (which is actually my birth month!), I could expect more money
to finance my birthday party. Haha.
Now, why am I writing about this? Because I waited for this day to come. That one by one, the hubby’s and my loans will be fully paid and we could have more funds to add to our emergency and retirement funds. Our financial goals are as clear as water and our determination remains strong. We just have to stick to our plan and we’re good.
Applying for a cash loan is one thing, paying off a cash loan is another. It’s easy to apply for a cash loan but it’s hard to pay it off. As for me, I only get a cash loan when I know my salary can handle it. I know my survival depends on my salary, it being my primary source of income. I normally plan my strategy before taking out a cash loan. I always make sure that I avail of the shortest payment term to keep the interest low.
Don’t you just hate it when you are left with no choice but to borrow money? I’ve been on that side of the coin before. Why borrow from the bank or some asset based lending – us – 1stCommercialCredit.com when we could change our money habits and try to live within or even below our means, right? Change takes a lot of effort but if we want something and put our heart, mind, and soul into it, we could achieve it. For most of us, aside from happiness and good health, it’s financial freedom. By taking small but bold steps, we can make it happen! 🙂