Taking The Big Step For a Loan

When it comes to taking bigger loans, I am always scared. I do not like going into debt because it would mean sleepless nights till I am done paying it. It would make me keep thinking about it for as long as it is off my mind. With all the discomfort that comes with taking a loan, I do not want to find myself in such a situation. Some circumstances have made me take up a loan but I felt at peace when I knew it would be something that would not give me a problem since it was for a good cause.

Before taking the loan, I had mapped out plans of how to pay back which made it easier and stress-free for me instead of finding myself rolling here and there in bed with thoughts of where and how to pay off my debt. It was for a good purpose. Just as my sister used to say, "Don't ever take a loan for pleasure. Take a loan for investment".

I'd rather keep to myself and starve than take a loan for pleasure. This is something many people find easily and in the end, would be running helter-skelter trying to pay back.

So, this happened 3 years ago when I was still in school. I was using this phone that kept giving me issues especially when on Hive. This phone might just go off suddenly when in the middle of a task and I would be annoyed and worried too. I kept managing the phone and had a plan to change it in the next few months when I have accumulated a lot of HBD.

I wasn't enjoying this phone but just kept pushing myself to manage it but the issues it would come up with unexpectedly made me come up with a plan B. I spoke to a few friends on Hive and how I could get a loan from them so I could pay them bit by bit. Two of them suggested I approach a big figure on Hive, but I was afraid. I could not summon the courage to go ask for a loan even after being assured that he was nice to approach and all I just needed was to talk to him and my Hive account would serve as collateral till I completed the loan.

For the next day, I was afraid because of who the person his. I do not want to get into trouble especially when my name is at stake. You see, when you want to take a loan, that is when different evil thoughts would start invading your mind. The question "what if" would flood through your mind, making you change your mind not to put yourself in a tight corner. But I discarded this thought and took the big step when the unexpected happened.

I was in the middle of typing a post when my phone switched off and didn't come up again. I tried all possible means to put it on but I realized the phone had reached its dead end and there was nothing I could do to bring it back to life. Quickly, I went to borrow my friend's phone for some hours which she gladly released for me, which was after explaining my situation to her.

I installed Discord and signed in, then took that big step in approaching the man for a loan of 200 HBD. It was a whole lot to me and was sceptical of how to pay back. I explained that I would pay back in instalments for 5 months which was divided, meaning every month, I would be paying back more than 40 HBD including the interest fee that was added.

I was glad how I had mapped out the plan of paying back the loan because that same day, I converted the HBD and went straight to get a new phone. I became more active than before so I could pay back and not disappoint him. The first month came, I forwarded 40+ HBD into his account and it went on like that till I was able to pay off my debt.

But you see, I was restless for that period. I was not myself till I cleared off my debt and had peace of mind. I could not withdraw enough for those periods and was managing myself till I was done. Thankfully, everything went smoothly and I was glad I took that big step for the first time in my life.

Afterwards, approaching people for a loan was easier for me because of the plans I would have made to pay back and most times, I paid back before the stipulated time making me maintain my integrity and reputation with such a person so that when next I go to them, they'd be willing to help me knowing I don't change my mind as against when I would pay back my loan.

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