The only constant thing in life is change. You might never have had to borrow money before, but there always is a first time. The important thing for you is to see that you do not let things run amok this first time, so that you are still around to do it a second and a third time.
You should not make a habit of borrowing money all the time, but you should be smart enough to know when you need to, and when you do not. It is intuition like that that sets the rich folks apart from everyone else. They never waste a moment, and they make the best use of it, even borrowing. I would like to think I am like that also.
How badly do you need a few extra bucks? Bad enough to borrow? If you don’t think things have gotten that far just yet, then you shouldn’t bother about it. When you borrow, it has got to be at a time that you know you need to. Then you know that you will use it well, and not just waste it.
When you need money and you don’t have enough for a project you have in mind, what you need in addition is to borrow. Now do not get all murky at the idea of it; you will not be the first to borrow, and you will not be the first to pay back accordingly either. That is, provided you have plans that you intend to stick with about how the money needs to get back to who you borrowed it from, because you must; and you must adhere to it anyhow.
There are times when you borrow because you have to spend something urgently that you will have tomorrow but you need today. That is all good then, since you already have your payback mapped out. I do not have a lot of patience for folks who come to me asking to borrow without a clear plan on how they will give me my money back. Do they think this is a charity or something?
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