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The first time I picked up a loan was with Citibank. I got a call from one of their representatives who was ready to give me a cheque of Rs 1 lakh. I didn’t really need it, but the first time I heard it, I wasn’t sure if I was going to refuse it. And sadly I fell for the bait.
In less than three months, I had spend all of it. And none of it went to anything that I really needed. Four months later, when I realized how much debt I was already into, I couldn’t sleep. At that time I used to draw a salary of 40,000 every month, and I had a debt of Rs 1.25 lakhs.
As luck would have it, I got a raise, streamlined spending, and within six months I had paid every paisa of it.
Now I could also have used the money properly, which of course you are planning to do. But the point is that it has become so easy to get loans, that people are just throwing the money around. Just ask your dad about how difficult it was to get a loan when he was your age.
Anyways, if you are interested in getting a loan, here are a few links which might be able to help you : consolidate debt, bad credit loan, unsecured loan
