Borrowing.

I had this topic in mind since like two weeks ago.

I was seeing a movie that particular day; on my phone when this message popped up.

I was so shocked and that was basically because I know this boy in question, I know him so well. He is nothing like whatever he was portrayed as in this message.

I had to put a call through to the number that sent this message, luckily for me, he picked and we had a good and calm conversation.

I was not happy with the way he lied and called the debtor a thief, I explained my grief and he explained his; making me understand the reason for his action.

Well the story was quite brief.

The person who was tagged as a "thief," borrowed a certain amount of money through a phone app and promised to pay back with interest at a particular period or point in time.

Unfortunately, I guess; due to some unforeseen circumstances, the person couldn't pay up his debt.

But...

The creditor made it known that the reason why he went that far with the debtor was because the debtor...

• Stopped picking their calls.

• Blocked them on social media (WhatsApp).

• Marked their messages as Spam.

• Blocked their phone number.

After the creditor explained all that to me, I became speechless and blamed the debtor for doing all aforementioned.

For the debtor to have done that, then definitely the creditor would have thought or imagine that the debtor wanted to run away with his money.

Although, when I questioned the debtor as to the reason why he did something like that, he told me that the reason he did that was because ever since the deadline elapsed, they kept disturbing his phone with calls and messages everyday.

Either ways,

I told him to not have done that..., he resolved to put a call through to them to explain his present pressing needs and why he hasn't been able to pay them.

Borrowing

as its name entails simply means collecting something, either money or material things, to pay or return later on.

Based on my candid opinion; I would say that one shouldn't borrow at all except the situation warrants it, but even at this, I'll still prefer borrowing from friends, family or organizations; familiar with me. Borrowing from all these apps is a No for me.

Also, you borrow when you're very sure of the time you'll be able to pay back.

Some people don't even have a means of income; yet they go about borrowing money from people and apps.

In the above message, they said the debtor ran away with the sum of 200,000 in naira. But when I questioned the debtor, he told me that it was a borrowed 30,000 that summed up to that amount, and that was because of the terrible interest they kept adding.

Either ways, if you must borrow, then:

• Don't borrow money to start your business or any business. Of course you can request a little amount from your family or friends... but it's not nice to get a loan to start your business.

• Don't borrow money to invest.

I have a friend who did this and it turned out that she borrowed 30,000 in naira to invest in one application she heard about and saw online, only for her to get scammed.

Investment on its' own is already hanging on the fence, but borrowing money to invest; especially in an investment you are not sure of, is worse.

At this point I don't even know what to say again because the truth is that; even when we borrow from some certain kind of friends or people, they start embarrassing a person when the person doesn't meet with the deadline. Words like...

• He's owing me and he can go out.

• He's owing me and he's eating.

• He's owing me and he bought that shirt.

They tend to watch your every move, especially when they stay or live in an area not too far from yours.

Desperate times calls for desperate measures.

I just hope that if we ever get to a point where we can't help but borrow...sane people should be the ones we'd ask for help. But hopefully we won't get to such terrible stage.

The feeling of being indebted to someone can even make a person loose his/her freedom.

It is well.

It's been awhile here on read.cash and I can't still say if I'll be consistently active, so much pressing needs to attend to in the physical world, together with my upcoming exams. Seems like they are all getting me choked up.

Also hoping @TheRandomRewarder visits soon, so I can renew my sponsorship with you all.

Sighs...

It's one thing for a person to get sponsored and it's another thing for that sponsorship to be renewed. Thanks alot @Aimure for the sponsorship renewal.

Till we meet again in my (Sighs) next article and in yours.

Thanks for reading.