Debt Management.

[hyudien]

I believe in one thing, if you don't pay your debts when you have money, then you will forever be in debt. There are many cases of this happening in real life, so these cases should be a lesson for others to quickly pay debts when they are due or when you have money. If it were me, I would prefer not to meet secondary needs first and would pay off debt, if I have it.

In my opinion, there is no need to go into debt when we have other options. For example, if you have gold or other valuable assets, it's a good idea to avoid debt and use safer options, such as selling your assets.

if we have a debt then we should have to pay it, sometimes even if it wasn't us or our parents who did it, we have to pay it, because even if someone related to the debt disappears or dies or runs away, then we as members His family certainly has a responsibility to pay it off. If indeed we have debt and at some point we have money then think first about paying the debt, because we all know that money is sensitive, when the debt is not paid then there could be conflict.
That's right, if we are at the point of not having money, don't force yourself to take out a loan, if we have assets or property that have a price when sold then it's better to sell them, instead of going into debt it can cause conflict later, because when you have debt and if you have money, you just have to think about not paying it, sometimes we will only prioritize our desires.

[lixer]

People fall into debts only when they spend more money than their income and they know better that they cannot return that amount easily. Nobody will be in debt when they reduce their expenses because all the things that matters is the over spending.

The better strategy to not fall into debt is that don't spend too much money on that materials which are not compulsory for life but you can also live without buying those materials. Plan for spending and whenever you think that now your planned limit is going to end then put a limit on spending otherwise you will be in debt every month and at last your burden will increase so much that you will be unable to reduce it.

Yep. That’s it. Don’t spend more than what you earn. It’s something I practice and it works. There are days when I feel I’ve overspent and once the feeling and thoughts comes, I cut off and if I want to spend, I first ask myself if I earn (on a daily basis) the amount I want to spend.

It’s not really difficult to not be in debt. But yet it’s not uncommon to see people in debt.

That works if you make enough to survive that way, sometimes people live a very mediocre life and still can't afford it because they do not make enough money, or something bad like medical situation happens to them and they can't pay it. Saying "just spend less than what you earn" is so easy to say, and could be doable too if you have no problems, but what if I get sick and my medicine is 5 times my salary?

What am I suppose to do then? Not like I can take a loan for 5 months and pay all my salary, then what am I suppose to live with, so I make a 36 month loan, and then I pay that for three years. Assume that went well, what if I get sick again? What if I need that money again? Get another loan for 36 months while I am already paying one? Well that is exactly what happened to me. So do not assume everyone's life is the same.

[Dewi Aries]

Yep. That’s it. Don’t spend more than what you earn. It’s something I practice and it works. There are days when I feel I’ve overspent and once the feeling and thoughts comes, I cut off and if I want to spend, I first ask myself if I earn (on a daily basis) the amount I want to spend.

It’s not really difficult to not be in debt. But yet it’s not uncommon to see people in debt.

That works if you make enough to survive that way, sometimes people live a very mediocre life and still can't afford it because they do not make enough money, or something bad like medical situation happens to them and they can't pay it. Saying "just spend less than what you earn" is so easy to say, and could be doable too if you have no problems, but what if I get sick and my medicine is 5 times my salary?

What am I suppose to do then? Not like I can take a loan for 5 months and pay all my salary, then what am I suppose to live with, so I make a 36 month loan, and then I pay that for three years. Assume that went well, what if I get sick again? What if I need that money again? Get another loan for 36 months while I am already paying one? Well that is exactly what happened to me. So do not assume everyone's life is the same.

Yes as simple as that, everything will look easy and go well if we have enough income or even more than enough and on the contrary it is clear that the situation will be full of pressure and tension if you belong to a part of society that has a low or far from average income, which as you said that there will always be things that are never expected before such as you experience illness and need emergency and urgent costs for treatment where there is no other way but to borrow money which clearly this incident adds to the burden on our minds in the midst of a situation of income that is far from enough even just to fulfill the necessities of life such as eating.

Actually, rich or poor, everyone will or has borrowed money for reasonable or unreasonable reasons. I understand your situation here, but are you going to continue to maintain a life full of stress and tension like that? It shouldn't be, meaning there must be an action you take to fix everything like for example you are looking for a new land or place or means that can potentially make money to increase your income, such as trading or adding a part-time job, I understand that everyone has a different life situation but this is not the end of everything and not your destiny in life, everything has the possibility to lead to change if basically you have a strong intention and determination to try and fight.

[topbitcoin]

Being in debt is not always bad, it all comes back to each individual in managing the debt. But before you take out a loan, there are at least several things you should pay attention to and consider further. The first is why you are taking out the loan and the second is where and to whom you will take out the loan. For example, if you go into debt or take out credit just to fulfill your personal desires and prestige, it would be better if you discouraged taking out a loan or credit, because this will only cause quite complicated financial problems and could possibly allow you to get into debt. And if the reason you are taking out a loan is to meet a small need, it is better if you borrow from a friend, relative or someone close to you, you need to pay attention to this to avoid unnecessary and high interest. Unless you are taking out a loan to develop your business, as long as you have assets that can be used as collateral, then taking out a large loan is not a problem, but rather a solution to expand the business you are managing. But you need to remember that this is done with careful analysis and careful consideration.

[junder]

Being in debt is not always bad, it all comes back to each individual in managing the debt. But before you take out a loan, there are at least several things you should pay attention to and consider further. The first is why you are taking out the loan and the second is where and to whom you will take out the loan. For example, if you go into debt or take out credit just to fulfill your personal desires and prestige, it would be better if you discouraged taking out a loan or credit, because this will only cause quite complicated financial problems and could possibly allow you to get into debt. And if the reason you are taking out a loan is to meet a small need, it is better if you borrow from a friend, relative or someone close to you, you need to pay attention to this to avoid unnecessary and high interest. Unless you are taking out a loan to develop your business, as long as you have assets that can be used as collateral, then taking out a large loan is not a problem, but rather a solution to expand the business you are managing. But you need to remember that this is done with careful analysis and careful consideration.

That's right, we have to be able to see what things require us to take out a loan, because if it's something that's not very important then it's better not to do it. like wanting to fulfill a luxurious lifestyle because you are thirsty for praise from other people, borrowing money for things like that doesn't make sense in my opinion, because a luxurious style can't make us rich, are you happy? maybe yes, but I'm sure that pleasure is only temporary, in fact if that's the case what will happen is that our tastes will continue to increase while our finances are inadequate, clearly that could be a problem that will make things difficult for ourselves.

I agree with what you say, except to develop the business or business you have, it's not bad if you take out a loan. because in my environment there is a person who has unstable finances but he has the desire to open a medicine shop or what is called a pharmacy, he takes out a loan to rent a kiosk that is not too big and buy some medicines that are needed by the local community, Until now he has more than one pharmacy. Therefore, I think going into debt or borrowing money is not bad as long as the goal is clear, and we also have to be able to manage our finances well.

[pusaka]

Being in debt is not always bad, it all comes back to each individual in managing the debt. But before you take out a loan, there are at least several things you should pay attention to and consider further. The first is why you are taking out the loan and the second is where and to whom you will take out the loan. For example, if you go into debt or take out credit just to fulfill your personal desires and prestige, it would be better if you discouraged taking out a loan or credit, because this will only cause quite complicated financial problems and could possibly allow you to get into debt. And if the reason you are taking out a loan is to meet a small need, it is better if you borrow from a friend, relative or someone close to you, you need to pay attention to this to avoid unnecessary and high interest. Unless you are taking out a loan to develop your business, as long as you have assets that can be used as collateral, then taking out a large loan is not a problem, but rather a solution to expand the business you are managing. But you need to remember that this is done with careful analysis and careful consideration.

You are right, if we take a loan to develop a business, maybe that is better, even though in fact we will still have a debt burden to pay. However, if we use it for something productive and can bring profit then it is legal. Because of course, if we need money to develop a business, it will require quite a lot of money and it will be difficult if we borrow from friends or relatives, so a loan provider is the choice.
However, if it is for daily needs then I do not recommend it at all, because the money we borrow will be dead money, or in other words the money will not turn around to make money again. What we have is more burdened because we have to pay debts every month.
This is a choice that is actually quite easy, but for some people they force themselves to do it.

[Jody.Drummer]

You are right, if we take a loan to develop a business, maybe that is better, even though in fact we will still have a debt burden to pay. However, if we use it for something productive and can bring profit then it is legal. Because of course, if we need money to develop a business, it will require quite a lot of money and it will be difficult if we borrow from friends or relatives, so a loan provider is the choice.
However, if it is for daily needs then I do not recommend it at all, because the money we borrow will be dead money, or in other words the money will not turn around to make money again. What we have is more burdened because we have to pay debts every month.
This is a choice that is actually quite easy, but for some people they force themselves to do it.

It still makes sense to take out a loan to develop a business or start a business, but if you take out a loan for something that doesn't have the potential for profit, perhaps it doesn't make sense unless it's to deal with problems such as accidents or illness, it's still reasonable. However, when we take out a loan and have debt, we have to be able to pay it off because the loan itself was made by us, whether to start or develop a business or to deal with problems that occur. because there are people who force themselves to take out loans just to fulfill their desires, perhaps this happens more often to young people who have just graduated from school.

I agree with you, if you really need to have problems with hope, it's better to just look for work. As long as we are healthy and can still carry out our activities, what's wrong with struggling to find work, because nowadays there are many ways to make money, even by taking advantage of developing technology, this can also be done as long as we have a strong will and determination.

[mirakal]

Being in debt is not always bad, it all comes back to each individual in managing the debt. But before you take out a loan, there are at least several things you should pay attention to and consider further. The first is why you are taking out the loan and the second is where and to whom you will take out the loan. For example, if you go into debt or take out credit just to fulfill your personal desires and prestige, it would be better if you discouraged taking out a loan or credit, because this will only cause quite complicated financial problems and could possibly allow you to get into debt. And if the reason you are taking out a loan is to meet a small need, it is better if you borrow from a friend, relative or someone close to you, you need to pay attention to this to avoid unnecessary and high interest. Unless you are taking out a loan to develop your business, as long as you have assets that can be used as collateral, then taking out a large loan is not a problem, but rather a solution to expand the business you are managing. But you need to remember that this is done with careful analysis and careful consideration.

As much as there are disadvantages in taking a loan, I believe there are also quite advantages then. But then again, even if you take a loan for some valid reasons, you should not tolerate yourself taking a loan consistently because that will eventually make you drown into debt. Believe me, it’s like addiction that’s hard to stop anymore. If you can prioritize saving first because you want a certain goal to be achieve, then you have to be serious with it and do not entertain thinking that you could carry out a loan if you fail to save. Know your expenses well. Learn to filter those unnecessary ones and focus on what’s actually needed the most. I believe if your mindset is like that, then you won’t end up taking a loan.

[Sanitough]

There is no big deal here. And all I will say is that before you plan to collect a loan, you have a plan that when you collect the loan you will pay back within the agreed period of time. And don't take a loan when you don't have any plans in the future to pay back. Because when the agreed time comes and you don't have anything to pay back then the lender will collect your landed or any other properties to settle the loan. Even the two examples op give gave, don't take a loan because of business at the beginning. That is don't start you business with debt because it will affect you in the future if the business is not doing well. But you can take a loan to top up your business and expand it then pay back when the agreed time has come.

You can’t be trusted as a debtor if you have plans to avoid paying back on your loan. Aside that it will ruin your own reputation, it will also break the trust that the creditor has established for you. So avoid doing it as much as possible. Also, if you have the available money even before the due date comes, it’s much better if you pay your loan earlier to avoid future complications. That is if you want to clear off your debt totally. Otherwise, you might end up spending your money on some other things while losing the interest to pay back your loan, which I think is a very bad option. And one is not supposed to do that if you are a responsible debtor.

[dezoel]

Paying debts on time is the most important thing in debt management. Someone can list how much debt they have in 1 month and what date it is due, then they can pay it according to the due date. Because delays in paying debts will be detrimental to the debtor themselves, because they need to pay late fines every day and this will continue until they can pay the debt. It will also have an impact on the bank's credit score.

It surely is but only if one can afford to do so. A lot of people take loans for personal expenses when they either don't have a job or they work for a salary that isn't enough to sustain them and their family for a whole month, but whatever the situation is, one isn't supposed to take loans for personal reasons because you can't repay it on time if you don't have a stable job that earns you more money than you need which enables you to have some money in hand each month which you can use to repay the loan.

From these, I think a person should never take loans for personal use unless they are sure that they can repay it on time. For businesses, it is not that big of a problem if you have a business that is already up and running and you just want to expand it, but if you are only planning to start a business, you need to make sure that the business model is guaranteed to generate enough money for you to be able to repay the loan on time.

[topbitcoin]

I agree with what you say, except to develop the business or business you have, it's not bad if you take out a loan. because in my environment there is a person who has unstable finances but he has the desire to open a medicine shop or what is called a pharmacy, he takes out a loan to rent a kiosk that is not too big and buy some medicines that are needed by the local community, Until now he has more than one pharmacy. Therefore, I think going into debt or borrowing money is not bad as long as the goal is clear, and we also have to be able to manage our finances well.

And if at that time he didn't dare to take the risk, by taking out a loan, maybe he would lose the opportunity and what he had previously planned to do to open a drugstore would be preceded by someone else. So debt is not always bad, as long as its use is clear and can be managed well.

However, if it is for daily needs then I do not recommend it at all, because the money we borrow will be dead money, or in other words the money will not turn around to make money again. What we have is more burdened because we have to pay debts every month.
This is a choice that is actually quite easy, but for some people they force themselves to do it.

Using loans for daily needs is not recommended and should be avoided. because the money borrowed will not produce income or profits. So what you say is true, this behavior will only increase the financial burden in the long term, because there are installments that must be paid every month.

As much as there are disadvantages in taking a loan, I believe there are also quite advantages then. But then again, even if you take a loan for some valid reasons, you should not tolerate yourself taking a loan consistently because that will eventually make you drown into debt. Believe me, it’s like addiction that’s hard to stop anymore. If you can prioritize saving first because you want a certain goal to be achieve, then you have to be serious with it and do not entertain thinking that you could carry out a loan if you fail to save. Know your expenses well. Learn to filter those unnecessary ones and focus on what’s actually needed the most. I believe if your mindset is like that, then you won’t end up taking a loan.

If, for example, the business we are planning has been well conceptualized, is considered to have good prospects and is predicted to generate profits, it would be better if we had the courage to take out a loan, because if not, we will miss out on this opportunity. Building a business with your own capital from the money we collect is indeed much better than taking out a loan. However, it takes quite a long time. And believe it or not, they are rich people who have businesses everywhere, the debt they have is much bigger than what we thought.

[nara1892]

Being in debt is not always bad, it all comes back to each individual in managing the debt. But before you take out a loan, there are at least several things you should pay attention to and consider further. The first is why you are taking out the loan and the second is where and to whom you will take out the loan. For example, if you go into debt or take out credit just to fulfill your personal desires and prestige, it would be better if you discouraged taking out a loan or credit, because this will only cause quite complicated financial problems and could possibly allow you to get into debt. And if the reason you are taking out a loan is to meet a small need, it is better if you borrow from a friend, relative or someone close to you, you need to pay attention to this to avoid unnecessary and high interest. Unless you are taking out a loan to develop your business, as long as you have assets that can be used as collateral, then taking out a large loan is not a problem, but rather a solution to expand the business you are managing. But you need to remember that this is done with careful analysis and careful consideration.

As much as there are disadvantages in taking a loan, I believe there are also quite advantages then. But then again, even if you take a loan for some valid reasons, you should not tolerate yourself taking a loan consistently because that will eventually make you drown into debt. Believe me, it’s like addiction that’s hard to stop anymore. If you can prioritize saving first because you want a certain goal to be achieve, then you have to be serious with it and do not entertain thinking that you could carry out a loan if you fail to save. Know your expenses well. Learn to filter those unnecessary ones and focus on what’s actually needed the most. I believe if your mindset is like that, then you won’t end up taking a loan.

The disadvantage in terms of loans is when we have to pay a larger amount of money than we borrowed previously or that means we have to pay along with the interest, and the advantages are more towards convenience, or in the sense that the existence of loan services makes it very easy for us to complete a problem that occurs suddenly without any prior expectation which is a very urgent situation and difficult to tolerate. I understand what you mean, where there are some people who take advantage of loans according to the way loans work, namely to make it easier for us to overcome problems at an urgent time and there are also some people who take out loans for reasons that don't make sense, such as to buy something that they don't need. Basically, it is not very important and not very useful, which is usually the habit of people who live with prestige.

It is clear that the problem of bad impacts is that indirectly having a habit of borrowing, especially for unreasonable reasons, will only lead them to a situation of being in debt and experiencing a lot of pressure. Sometimes there are people who have difficulty or cannot differentiate between what is meant by need. and what is meant by desire, many are trapped in the wrong mindset where they take loans that are actually just for something that doesn't make sense and that is desire. Therefore, it is always recommended to have management and a rational way of thinking to be able to keep everything in balance, realizing that we have a financial situation that is not very good will at least prevent us from making unreasonable decisions.

[tottong]

Do consider those people who are in debt because they need to pay their basic expenses, such as monthly bills and others. They need to carefully budget their income vs their monthly expenditures. Try to live within your means. I know it is hard especially if your income is quite small. But you need to find alternatives on how to augment your income or lessen your expenses.

Sometimes people are too rigid in interpreting debt so that they are unable to make a decision when they want to take out a loan.
Loans based on building a business are not a problem, as long as they understand the impact of the business they want to develop.
Life has alternatives if you want to develop your financial potential, but the decisions taken must be based on careful consideration. Life is indeed better in simplicity, but taking a loan to change life will be much better, as long as they understand the levels and patterns that must be carried out.

Debt management is good to live by, but as much as possible, live debt-free and you will find out that you will have better and more carefree life. No stress from these loan sharks. For sure, you would prefer to live decently within your budget rather than with a headache from your debts.

This advice is true because debt will create new problems, especially if the debt is taken only for unproductive living needs.
But if you want to achieve a better life then taking the risk of building a business with borrowed money is not a problem, as long as you have alternatives to resolve your income, expenses and monthly costs for the debt.

[dunfida]

There is no big deal here. And all I will say is that before you plan to collect a loan, you have a plan that when you collect the loan you will pay back within the agreed period of time. And don't take a loan when you don't have any plans in the future to pay back. Because when the agreed time comes and you don't have anything to pay back then the lender will collect your landed or any other properties to settle the loan. Even the two examples op give gave, don't take a loan because of business at the beginning. That is don't start you business with debt because it will affect you in the future if the business is not doing well. But you can take a loan to top up your business and expand it then pay back when the agreed time has come.

You can’t be trusted as a debtor if you have plans to avoid paying back on your loan. Aside that it will ruin your own reputation, it will also break the trust that the creditor has established for you. So avoid doing it as much as possible. Also, if you have the available money even before the due date comes, it’s much better if you pay your loan earlier to avoid future complications. That is if you want to clear off your debt totally. Otherwise, you might end up spending your money on some other things while losing the interest to pay back your loan, which I think is a very bad option. And one is not supposed to do that if you are a responsible debtor.

The main consequences on trying out to ran away with your obligation;

•Bad credit score
•Banned from bank/financing/coop's etc.
•Worst- Getting imprisoned

If you dont like the hassle on always been that reminded or being harassed or something such as every now and then type of calls because of your debt. Then you shouldn't really be taking one
from the start. Debts are having that huge interest but getting on banks is much lesser compared to people or to those financing but still not that recommended
not unless if it would really be used on having a business or some sort on which you could really say that it would really be worth.

[Mahanton]

"Make wise spendings"

You wont really be putting up yourself on having lots of debts or loans if you do know on how to spend up well your income that came from on your day job. Try your best
not to be over-dropped or out of budget just because you have bought something or whatever expenses that you do able to commit on.
Debt is something that be useful on the time that you have already put up into viable ventures or businesses that you are really that planning into.

People do usually messes up their lives because of the decisions that they are making. This is why if you have seen that you are struggling when it comes to budgeting then
it would really be just that wise that you should really be having plans or on having that systematic way on how you would really be handling your finances.

[_BlackStar]

All I can say about debt management is - don't get into debt. Of course - debt is an option that some people may have to take to maintain balance in their lives, but if they are able to avoid it then avoiding it is a wise choice.

I really realize how uncomfortable we are if we have debt. Someone will continue to think about how to pay debts, work to pay debts and this is really an unpleasant thing. It's always good when we have other options before taking on debt - one of which includes limiting our lifestyle and saving on expenses that are not really needed.

[batang_bitcoin]

All I can say about debt management is - don't get into debt. Of course - debt is an option that some people may have to take to maintain balance in their lives, but if they are able to avoid it then avoiding it is a wise choice.

As much as possible, it's true that don't get into debt. Don't get pressed by this society that we're having right now that want you to purchase expensive things that makes you higher than them. That's not life but it's best not to get into it. Pay everything in cash or if you're using a credit card, pay before the due date so that you won't have any interest and any other life hacks that you know about saving, do it. As for your debts, if you have existing ones, don't forget to pay them until you have zero.

[Finestream]

I guess that the majority of the people in the world has got debt. Even the huge corporations, even countries and even small individuals have got their own debt. I am not into debt and I don't have mortgage nor car payments because I am avoiding them at all cost. I don't feel good when I've got obligation to pay and I have to think of it monthly for so many years. It is sucking my peace and that's why I am avoiding them. Maybe my debt is just a personal one from my loved ones and there's no string attached to it and no pressure at all. Unlike if we do it with the banks, they're going to take your collateral when you're not able to pay on time, you'll get countless reminders. So, if you can't pay the thing you want in cash, much better to save your peace and save money first.

It's not actually bad to be in debt as long as you're capable to pay, and you use those funds either to expand your previous investment or whatsoever that generates sure profits. But in cases like you take a loan for personal satisfaction, I don't think taking a loan is actually helpful. It may even push you into a miserable life once you're unable to pay and so its monthly interest keeps going high. So as much as possible, learn to avoid taking debts if you have no reliable funds to pay for it.

[oktana]

People fall into debts only when they spend more money than their income and they know better that they cannot return that amount easily. Nobody will be in debt when they reduce their expenses because all the things that matters is the over spending.

The better strategy to not fall into debt is that don't spend too much money on that materials which are not compulsory for life but you can also live without buying those materials. Plan for spending and whenever you think that now your planned limit is going to end then put a limit on spending otherwise you will be in debt every month and at last your burden will increase so much that you will be unable to reduce it.

Yep. That’s it. Don’t spend more than what you earn. It’s something I practice and it works. There are days when I feel I’ve overspent and once the feeling and thoughts comes, I cut off and if I want to spend, I first ask myself if I earn (on a daily basis) the amount I want to spend.

It’s not really difficult to not be in debt. But yet it’s not uncommon to see people in debt.

That works if you make enough to survive that way, sometimes people live a very mediocre life and still can't afford it because they do not make enough money, or something bad like medical situation happens to them and they can't pay it. Saying "just spend less than what you earn" is so easy to say, and could be doable too if you have no problems, but what if I get sick and my medicine is 5 times my salary?

What am I suppose to do then? Not like I can take a loan for 5 months and pay all my salary, then what am I suppose to live with, so I make a 36 month loan, and then I pay that for three years. Assume that went well, what if I get sick again? What if I need that money again? Get another loan for 36 months while I am already paying one? Well that is exactly what happened to me. So do not assume everyone's life is the same.

Well, if such happened, it’d be tragic for the person. But I wasn’t talking about medical situations. If that happens, we have no choice. But while it isn’t happening, we shouldn’t spend more than what we earn, and if we must, we should try to reduce the margin. It isn’t an easy thing when you don’t have enough, but when you know this rule, it becomes easier. If you have $4 budget and you want to purchase something, if you can’t get it for your budget, don’t purchase it, or wait till you completely have the money.

[tabas]

I guess that the majority of the people in the world has got debt. Even the huge corporations, even countries and even small individuals have got their own debt. I am not into debt and I don't have mortgage nor car payments because I am avoiding them at all cost. I don't feel good when I've got obligation to pay and I have to think of it monthly for so many years. It is sucking my peace and that's why I am avoiding them. Maybe my debt is just a personal one from my loved ones and there's no string attached to it and no pressure at all. Unlike if we do it with the banks, they're going to take your collateral when you're not able to pay on time, you'll get countless reminders. So, if you can't pay the thing you want in cash, much better to save your peace and save money first.

It's not actually bad to be in debt as long as you're capable to pay, and you use those funds either to expand your previous investment or whatsoever that generates sure profits. But in cases like you take a loan for personal satisfaction, I don't think taking a loan is actually helpful. It may even push you into a miserable life once you're unable to pay and so its monthly interest keeps going high. So as much as possible, learn to avoid taking debts if you have no reliable funds to pay for it.

If you have the means to avoid them, it's best not to take any. But if you're in a situation that you're in dire need of having extra money but you don't have then all you have to do is to take it and use that for those important matters and expenditures that you have to do. For expansion matters, this is done by most businessmen and they're using debt money to increase their cash flow while they're going to get their payments from their future profits. They can do this easily because they've established their business and good or bad seasons, they've got cashflow to pay for it. And for an individual that don't have good cashflow, it's not advisable to do this.