How is it to have a bad credit reputation?

If you don’t sill believe that money is power, or that politics and economics in macro terms are not related, I will show you how.

At age 25, I am already on debt. I all blame it to myself, but of course to credit cards agents who lured me to owning several credit cards. When you have several, you have an illusion of being so rich because owning credit cards give you financial liberation. You can d things in advance, or buy things you liked without your salary for the 15^th and 30^th f month even reaching your hands. Until unknowingly, you have been into spending spree that put you on debts. At first, you won’t be afraid because you think that credit cards have pro-customers policy. But as I will have to realize later, all these commercial plastic companies have the only goal of profiting from our spending. The thought of buying in advance is really uplifting, but he interest is what will have to surprise. Of course, I have read the policies of the first credit card company about the interest schemes. Standard Chartered is my first credit card. And having them are indeed good. I have no words against the credit card because owning the Standard Chartered is like a status of independence to me. With this first credit card, I got to learn the discipline in money management. Well, not really because I have been managing my own finances since I was 19 years old. The next credit card agent lured me to apply for a Citibank visa card. Oh, I felt so elated having two credit cards! Oh I felt very rich! The next agent lured me to an HSBC red Master Card. All these two cards have validity until 2008. I was unaware that having them handy in my wallet would make me a spender. In January 2005, my first misuse of credit card happened. I was strolling in the SM malls when people from the AOWA stand invited me to join their promo. They have me chose an umbrella from their storage and they said thee umbrellas have commensurate prizes….

To be continued….

Life has been sometimes in disarray

Yes, life has been put sometimes in disarray so that we can give order in it. I have been asking myself many times why frustrating, shaking, and perspective-changing instances happen in our world. It is only today that I begin to accept that everything happens for a reason. After so many years of not accepting what tremendous change happened to our family life, it is only today that I was able to see the breaking of the new day. All I think now is how can I move on from the messy life I have. Well, financially speaking. I have been down for the past few years, and my financial situation is what caused my life a mess. It is my silent realization that what happened to me in the recent past has not to be blamed on other people. It is my own decision to be what had been, and it is my decision also now what I will become tomorrow. Well, people help me realize the good things. There was a point when I think of having suicide. Yes I did! I did! But I know it is not a good thing. Why waste your life on a thing that has no logic. Taking your own life is like a manifestation of your fear. For me, I know If I kill myself, many people will be surprised, some maybe regretful, and some may find the act strange or some will definitely feel I was a loss. That time I was thinking how many people will attend my funeral! That time, I never was afraid to die! Because death is like a saving grace! But I was reminded that taking your own life is a sin. It never is good.

Sometimes, cowardice is inevitable. We usually fear because it is a realization of our limitations as persons, but if only we have faith, even if that faith sometimes dwindles, it is still what will eventually bear factor on our meaningful and best decisions. Faith is the belief in the things unseen, and so even if I do not see God, I believe He is watching my every decision and step. My sister once gave me a meaningful testimonial. She said we must not do things because they are what we think were the right thing to us, but because it is the right thing in the eyes of God. Yes, she is right. I never thought of it that time maybe because I used to believe that while I had done good things to other people, He did not give me the best. I felt a failure and felt unblessed. On second look, the case was not. Looking back, I know there are also good things that happened to me, which made me happy today. Our life is better now, of course our life, although not mine, because I still have my backlogs. But at least I contributed to our family life’s betterment. It is enough for me.