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Personal Finance for Self-Sufficiency

Aug 18, 2007
We all have this need to be completely independent these days. Nobody wants to have to rely on others. There is a sense of satisfaction in being able to take care of one's own needs and requirements without taking the help of others. The personal finance markets have realized this need that the people of today's world have. As a result we are witnessing a proliferation of loans and mortgages to help people help themselves.

Are you looking for a car loan? Is buying a house right on top of your list of priorities? Are you going to need a lot of cash to fund your child's education? Well, whatever it is, there will be a great loan waiting to take care of your monetary needs. From large amounts, to low interest rates, to adjustable payments, you name it and you will find a great loan that suits you.

And loans are not the only things that help us to be self-sufficient. What about the good old credit cards that we take shopping with us whenever we go. There is no longer a need to carry bundles of cash when going out to make large purchases. A credit card swipe works just as well and is a whole lot more convenient. If your wallet gets robbed, you really cannot do very much about the money in it. However, you can call the credit card company and tell them that your card has been robbed.

Life has become so very simple these days. I find it very liberating to be able to walk out of my house armed with nothing but my credit card. And yet, I am able to return home with bags and bags of groceries, some DVDs of my favorite movies, and maybe even something that should not have cost as much.

Of course, the downside is that credit cards really tempt us to go over our budgets. They say that women are the shopaholics, but put men in the right store and they too end up spending far more than they had originally banked on. The culprit has to be the credit cards.

In a similar way, when it comes to loans, we are not afraid of taking on more and more loans. Eventually we end up paying for half a dozen different loans that charge different interest rates and drain away various amounts of money from our bank accounts.

But despite the associated problems, loans and credit cards have made us more self-reliant and much more willing to see life from an independent perspective.
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