I Hate to be in Debt because I am Not a Good Payer

Yo' └( ＾ω＾)」just want to say Hi, before I start this, UwU. By the way, How are you and how have you been? Ay same lang pala sila no? Lol.

Kidding aside, I hope you are all doing great. As for me? Well, I'm always okay naman. Just a little, as in super little sad. You see, Mama asked me to come with her last night in Plaza de Bansud but I have to decline because I don't have money HAHAHAH. I mean, having a night walk outside is much fun and livelier if you have foods in your hand.

But how am I gonna do that if I don't have money? I already planned to cash out but I back out at the end. I mean, I said before that I will watch out for my expenses this month. Spending to unnecessary things is a no, no and I have to avoid that. I avoided that successfully last night, goos thing di ako nagpadala sa tukso ng lugaw na may egg, HAHAHA.

Yesterday is our Mayor's birthday and every year, meron talaga silang palugaw. It is just a simple lugaw but it taste really good. I experienced that years ago and I really enjoyed walking in our Plaza while eating porridge with egg. It is perfect in a cold night. Sadly, we failed to attend last night because of my lame reasons, lol. But seriously, I will nevee enjoy it if ever I attend, that's coz I'm out of cash, lol.

Anyhow.....

I just suddenly though of writing this after reading @Princessbusayo article titled: Take these steps so you don't have to go into debt. To be honest, I really hate getting into debt specially I know that I don't have money to pay for it. Though I still borrow money but only for a short time. I am just really glad that I didn't encounter any issues about needing money that I have to borrow just so it can be solve. I think, the reason of this is because I don't really indulge all of my wants even if I badly want it.

I maybe wish for a lot of things but I also know that I don't need to have it just to be happy with my life. I want a lot of things but not to the point where I will be in debt just to get it. No way! I desire all of it but I am not crazy enough to feed all of my cravings for those things. I'd rather have a peaceful life, debt free and just a happy life. Nothing can ever replace these three for me. Contentment, yes, I have that and I am happy to be contented of what I have and what I can only have. Stress free and lovely life? Hihi.

Maybe time will come in the future where I will also need to borrow money just for this or that but if it's not a need and just only for my caprices or vices or whatever, then I'd rather avoid it. And, I will never borrow money just to get a new iPhone just to ride in a trend. I will never borrow money just to eat in a fancy restaurant just to be called cool or whatever. I will never. But, if it is for a family, well, I don't have a choice, do I? But it can still be avoided if I save. Rather than buying things I don't need, I will just save it.

But oh, I just remember. It was during college day and one of our classmate sell different design of t-shirt and blouses. And it is from other country. Her Mom is working abroad and maybe she bought it there and send it to her family. Now my classmates is selling it to us, we can pay of it immediately or we can pay it ng utay utay or pay it later. But I choose to pay it later. It is not that much but 100 php or $1.79 is already a big amount before. But I failed her, I discover I am not a good payer. I am a shit!

I buy foods rather than pay it. I am too ashame to face her to be honest. I am like a criminal who's hiding in the world just so I can avoid her or avoid paying her. I am too ashame to even share this story here but I have to face it huehue. And sadly until now, I haven't pay that debt which is 100php for that one blouse. Her facebook account is really not active so there's no way to contact her. But when I see her, I promise I will pay for it. I am thinking of what she think of me until now. She's really not the kind of person who will bitching out she's a kind girl.

Kyahhhh, so guys if ever I borrow money from you, don't ever lend it to me

.·´¯`(>▂<)´¯`·.

Aigooo, this is another story of mine that I am too ashame to even face.

(●´⌓`●)

December 14, 2022

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