Having flashbacks of owning 3 credit cards...
Never again.
But that experience has scarred me and now I am afraid to go anywhere near a debt. Even though I am in a position where I can manage it. I am very hesitant. And I know it's not, but I consider that as a blessing.
3! I don’t have one, haha. Although they kept offering, but as a student I really don’t need one atm. Will consider in future depending on my expenses and even if I have to I’ll probably try stick to a below 15-20% DTI ratio.
Bade bhaiya aap atcha h kr rhe ho. Bina debt ke rhiye sukun k neend ke sath.!luv
See you already planned how you going to handle the debt. That planning makes the key difference. And no matter how much one try there comes a time when he has to go for a loan. For me that time is not far off. 😂
Keep educating and inspiring. ☮️❤️