Loans vs Changes

The title is very obvious, isn’t it? Loans, with a substantial amount and last for a decade or more (we name it ‘tenor’), are certainly changing a person life …even their family whom gain support from the debtor (alias for the people that have loans, either to bank/financial institution or individual). However, I dare not say for the wealthier group whom leverage their fortune from debts. in this case, I guess the connection between the two is highly presented in the middle and lower class.

Do you want prove? Try to take a look around you… in my case, it’s me. busted …yup, writing this because of me… hehehe. Somehow, having debts haunts me and become my submerged control of how I think and act … I try to work harder and perhaps more efficient, because I want my key performance indicator (KPI) good so I can have a good bonus …because I need extra money. Driven by the same reason, I also start to think creatively to look for other sources of income… and thank God that none of it are illegal. Yes my friends… my grey cells are thinking of business act, scary isn’t it?

Those are only from the mind side. The biggest changes is obviously in life style… Yes, a downgrade of life quality. No more big spending for clothes, good entertainment, fine dining …hiks. Going to movies become luxury activities, while before was a regular one. No more singing at Inul’s or T Rex ..and only dine at ‘amigos’ (short for ‘agak minggir got sedikit’, next to sewer). Ouch … Well for me, it’s kinda back to the time when I start working, slightly better and with an extra asset.

Now, is there any connection between loans and emotion? It is certainly exist if the debtor having problem to pay the installment …a high temper. Can’t eat right, can’t sleep well …certainly do good for temper tantrum. Sad, angry, upset, worry, scare …can rise in an instant when debt collector start haunting daily life. In that case, I can’t justify because, thank God, I don’t have such issue and hopefully … never. What I feel is merely insecurity , afraid if I’m doing bad in my job and loose it. Silly isn’t it? I never feel such thing and always anxious of my next path before the loans exist. However, it is a good thing for corporates … under assumption that most employee feel and think just like me. Loans make employees more attach to the companies … reduce the turn over. hehehehe …. it’s merely a theory that I light heard from somewhere. Probably you’ve heard too …

Well, I guess in my case, loans kinda driven me to a better thing …responsibility and wise ass (ups). However, life slightly turn into a boring tone… leave early for work, more focus to ‘work’, come back home a little bit late, and starts all over again the next day. O ya, have I mention that I spend most of weekends or day off only by staying at home? Yup … under a good thought of saving. I hope it’s not only me … ups

To sum up, that’s my perspective that loans do change life. But, let’s make it a liveable in a good and fun way …

PS: thank you for mba Eka to revive my blogging spirit