Life is getting real tough for salaried person these days, unable to fulfill basic necessities within their salaries for the whole month and in the end days, it is a normal thing to ask for some loan or borrow money from friends or family which gets returned once the salary is deposited.
Talking about myself, I am more a borrower instead of a lender. Yes, it is true. I am lucky to have such nice friends who lends money whenever needed and there is no deadline or time limit to return the money and that is interest free too. I don’t have any experience of lending my personal money to anyone because I don’t have that much money to give someone a loan. Still whenever someone ask me for the loan, I never say no and coordinate with my friends for the possibility to arrange money for the borrower and that is too interest free because I dont work in anything which involves interest and try my best to avoid anything which include interest rate.
When I borrow or get some loan from my friends, I always inform them with the date of return although they never ask or push me to return but I have set my own rules which I follow very religiously. Until now I have never delayed in returning the amount and think of the same if someone lends money from me but people are not same or not everyone think like me. There are people who just don’t give importance to giving a word or feel bad when unable to return money on time, they act so normal which I cannot digest so easily.
I would like to share one of my story here related to risky loan due to which I, now think twice while lending someone money however, its not my money as I said earlier, I arranged it through one of my friend but still its my responsibility to return it on time whether the actual borrower is interested in returning or not. One of my cousins asked me for some loan as he was short of money and was little disturb due to some family issues so it was badly needed at that time. I told him that I don’t have enough to lend you some however, I will check with my friend for the possibility and will confirm you the next day. I try to keep things simple and crystal clear so I asked when you going to return, he said by end of next month. I took the money on my behalf and then transferred to my cousin through my own account. I told my friend that will return in two months, keeping some grace time of extra 10 days.
Time flies and a month ended, it was the end of next month but no update from my cousin. The most difficult job to ask someone to return the amount, I am not at all good in it. I just kept thinking and waiting for his message but nothing. I thought he will return once he gets his salary. One more week passed but no update from him again. Then I sent him sms with just HI HELLO. He knew what I was asking for so he replied that he is waiting for his money from someone and will return once he get it from there. i got a bit upset with this response because if you get the salary, you need to return the loan first and then carry on with anything else. I didn’t said anything to him instead I returned the amount to my friend as committed from my salary. It was my decision of helping him so I have to suffer the pain.
I didn’t ask him for the money for that whole month and managed myself with what I had left in account. A single penny is valuable for me because it is earned with some hard work, not easily. I was very angry inside but then I used to think he didn’t snatched or stole money from me, it was my decision to help him. I knew that he is going to return the money but when, that’s not confirmed. I could have said just no at that time, why did I took favor from my friend and as a result, I am being silly in the end. It feels like you did something good but later, it felt like I am the guilty person because thinking so much bad about him, the good deed won’t be counted and will turn it in a sin. My cousin returned the money in three months and he was right that his money was stuck with someone but he could have returned it from his three salaries but as I said earlier, no one thinks the same way as I do. No one cares about others as I do. That means I cannot change myself neither I can change others with their way of thinking.
I don’t know how people have enough money in their pockets but don’t pay attention to clear their credits, I cannot even sleep or live in peace when I have and I don’t return. After this incident, I made my mind that I am not going to lend money by taking loan from someone else but I was wrong, I again did the same because I cannot just run away by saying NO to my friends or family. I always try to help even now, I am not sure when they are going to return. I know myself that I am going to clear my credit from my salaries and can manage well. Lending money is a real tough decision.
