You say you have no one to help you, but is that the whole truth? (Let’s talk about your money reputation)
Since I made the post about my
experience with loan apps and the follow-up post on “how to get out of debt,”
I’ve received countless messages from people asking me to borrow them money to
pay their debts, while some are begging me to give them money in order not to
borrow from loan apps. Each time I read these messages, I just roll my eyes
because I truly cannot believe it. The fact is, I don't have any money to lend
anyone, and if you want to borrow from loan apps after all I’ve said, please go
ahead.
That’s been said, now let’s talk about
the popular tune many people sing whenever you question them about debts or why
they got involved with loan apps. They’ll often say they have no one to help
them. No family, no friend, or acquaintance.
Even though some people’s reality may
really mirror that, the majority of those who chant this are people who have
simply burned bridges that were once available to them.
You didn’t just not have help; rather,
you’ve exhausted, abused, and disrespected the help that was once freely and lovingly
given. I have loaned 100k to someone before, and when it was time to get my
money, she rained curses and abuses on me and dared me to do my worst because
she didn’t have the money yet, she even told md there was nothing I could do
about it and till today I’ve not seen that money. Do you think I’ll lend her
anything again even if she’s dying? I can bet you with my life that I won’t.
Many of you reading this lack money
reputation. Many of you who say you have no help or anyone you can call to help
you need character rehabilitation.
If you think about it really well, you
will remember how you’ve borrowed money from your family members and friends
but have refused to pay back and become unreachable when it is time to repay.
You knew how to beg humbly when you
needed the loan, but you turned into a monster when you were reminded of your
promise to return it. You threw insults and spread stories about the same
person who helped you without interest or collateral. The reason many of your
family and friends don’t help you anymore is because you have made helping you
feel like a curse.
Always have this at the back of your
mind: whenever you borrow money, you are also borrowing trust, and when you
fail to repay, you default on more than cash, you default on character as well.
And this is not only applicable to
money. You borrowed someone’s bag, shoes, clothes, or a book, and you returned
it damaged or not at all. You turned entitlement into your default posture,
believing that people owe you help even when your track record screams
otherwise.
And then you wonder why no one picks
your call when you are in need and why no one wants to lend you anything, not
even attention. My darling, it’s not hatred, it’s memory. People remember, and
they adjust accordingly.
Being creditworthy isn’t just about banks
alone. Your friends, siblings, colleagues, even your spouse are all watching
how you handle the titles you’ve been trusted with. And when your money
behavior consistently disrespects the dignity of others, you’ll find yourself
alone with no access to help, not because they are wicked, but because you’ve
made yourself unreliable.
So before you run to another loan app to
ruin yourself, take a moment and ask yourself: Who have I wronged? Whose trust
have I violated? Whose kindness did I repay with arrogance, contempt, and
silence?
When you are done answering these
questions, reach out to them. Apologize to them. Pay back what you owe them,
even if it’s in parts. Show that you’re a changed person. Let people see your
growth not just through words but through your actions.
Because listen, not everyone is broke.
Some people have that money you are being embarrassed over, but won’t offer it
to you again until you become the kind of person they can trust with help.
You don’t get to misuse people and still expect them to rescue you. Ka ma
ri ni Paulu wi.
May we all learn.
May we all grow.
And may we all heal our money reputations.
B. K. – Attributed
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