I like to think of myself as a fair and honest person, some people think I am very cheap other consider I am a normal person with a slight intent of cheapness so to sum it up we can say that I am a cheap person, this is because I do not like to spend money on every little thing I want and I think that I am not a big baby that must have everything he sets his eyes on.

The thing that you need to know about me is that I do not owe nobody money and I pay all of my debts because I hate people that do not.

How can you have a friend that owes you money for a long time and doesn’t  even struggle to pay you back, he acts like nothing happened like he does not owe you anything, it is like you should appreciate the fact that he loaned money from you and you should maybe thank him :)).

After having about 2-3 friends that didn’t payed back the loan I decided I will never loan money because it is a waste of time and a waste of emotions and it can create some tensions between a normal type of friendship. For example if you are one of my best friends and I lend you some money and you asked the money for 1 year and you give me back the money after 4 years this might create some tensions between us and it might ruin of friendship and the best way to avoid this is to not loan nobody money.

I know this might seem like not such a good thing to do, but this days we have lots of payday loans, bad credit loans and other types of fast crediting agencies that can help people with money and I think that you as a common person should not waste your time with this.

Loans aren’t a way to get out of money problems it is a way to post pone the problem and even to make it bigger!