If you want to enjoy your life out of spending,enjoy if you have you have your own resources and money.But don't enjoy your life by becoming a debtor to somebody.
Ofcourse in modern world,there are many ways and means, which force you to become a debtor.
Attractive advertisements in satellite TV force you to become a debtor.It tempt you to buy modern amenities at any
cost.
Even though if you don't have any money or resources it show you many resources for obtaining credit to buy that
product.But you must think thousand times before becoming a debtor.
In today's world credit is easily available commodity.Numerous companies waiting to pull you in their trap.They are
competing severely to pull you in their trap.
But you must be careful to entangle in that trap.
In spite of this caution if you are prepared to enjoy,then you won't get any pleasure,but you will lose your peace of mind.
Let us discuss about common desire of everybody.It is natural that every body wants to have their own house.It is a
reasonable desire.
But desire can be attained if you have enough money on your own to buy house.
If you are an executive working in a company what will you think.
You will ready to apply for some loan and buy that house.Alright you have decided and applied for a loan also and
loan has also been sanctioned.
You will ask engineer to construct house with in sanction of loan.
The Engineer on seeing plan will say "Sir,you are constructing house once in your life time,why such a low budget house,we can increase slightly your plan sir,it won't cost much only a 10% increase in your
normal budget"he will tempt you.
By that time you will also have some Himalayan courage,and think why we can't adjust that 10% increase,ok we can
adjust that 10% increase by obtaining loan from our relatives,and you give consent to engineer's suggestion.
The Engineer begin to build your house.The house is also going to be completed soon and only some finishing work is
there.
You ask your engineer 'when can I take possession of house', sir?
The engineer will politely tell you,Sir,there is a small problem,the problem is there is a sudden increase in cost of materials,so I fear whether it is possible to complete building what we have already
planned.
But you are in dream that house should be constructed at any cost.So you don't bother about resource to
complete house and prepared to arrange for money required for completing house.
What you will do.The next thing before you will be some bank balances available out of your savings and jewels of
your wife or your children.
So your savings,jewels will all go from you and fill cashbox of another businessmen.
Your house become ready atlast.On seeing house raised beautifully you forgot all sources where money
came from to complete house.
You will forget about loan you obtained from your company.