Yes. I have a proverb that I strictly follow. The proverb is " Debt is the worst poverty". I have heard the phrase -The King Ravana of Srilanka worried like a person suffering from debt." So, debt is a very serious thing in life. I have vowed not to take any loan from someone or give any loan to someone. To buy anything, I save money and buy it. If someone asks me any loan, I politely deny saying Sorry. I have seen many of my relatives and friends suffering by giving loan and taking some loan. A few suffered by taking vehicles on loan and suffered due to their inability to repay the EMI amount.
I live with what I have. I am not greedy or crazy of things. I smile without any loan to my account. I move freely without anyone threatening me to repay any loan amount. I don't get notices from anyone. I am always cheerful without any thought of the word "Loan"
I stopped using my credit card as I faced problems. I use only my debit cards.
So, Never ask for any loan, and also never give any loan to anyone. I might help with some sum, but never as a loan.
No life without Sun