If you want to enjoy your life out of spending, enjoy if you have your own resources and money.

But don't enjoy your life by becoming a debtor to somebody.

Of course in the modern world, there are many ways and means, which force you to become a debtor.

Attractive advertisements in the satellite TV force you to become a debtor.

It tempts you to buy the modern amenities at any cost.

Even though you don't have any money or resources it shows you many resources for obtaining credit to buy that product. But you must think thousand times before becoming a debtor.

In today's world credit is the easily available commodity. Numerous companies are waiting to pull you in their trap. They are competing severely to pull you in their trap.

But you must be careful to entangle in that trap.

In spite of this caution if you are prepared to enjoy, then you won't get any pleasure. But you will lose your peace of mind.

Let us discuss about the common desire of everybody. It is natural that every body wants to have their own house. It is a reasonable desire.

But the desire can be attained if you have enough money on your own to buy the house.

If you are an executive working in a company what will you think?

You will get ready to apply for some loan and buy that house.

As such you have decided and applied for a loan.

The loan has also been sanctioned.

Next you will ask the engineer to construct the house with in the sanction of loan.

But the Engineer on seeing the plan will say "Sir, you are constructing house once in your life,

Why such a low budget house, we can increase slightly your plan sir, it won't cost much only some increase in your normal budget, he will tempt you.

By that time you will also have some Himalayan courage, and think why can't we adjust that 10% increase, we can adjust that 10% increase by obtaining loan from our relatives, and you give consent to the engineer's suggestion.

The Engineer begins to build your house. The house is also going to be completed soon and only some finishing work is there.

You ask your engineer 'when can I take possession of the house', sir?

The engineer will politely tell you, Sir, there is a small problem, the problem is due to the increase in the cost of materials, I fear whether it is possible to complete the House what we have already planned.

But you are in the dream that the house should be constructed at any cost.

What you will do. The next thing before you will be some bank balances available in your savings account and the jewels of your wife or your children.

So your savings, jewels will all go from you and fill the cashbox of another businessmen.

Your house becomes ready finally. On seeing the house raised beautifully you will forget where you got the money.

You will forget about the loan you obtained from your company.

You will forget about the loan you obtained from your relatives.

You will forget about the erosion of your savings and jewels.

All these will come to your remembrance only when the company commences their recovery for the loan you obtained.

All these will come to your remembrance only when your relatives need the money they paid.

All these will come to your remembrance when you don't have enough money in your savings account for your urgent requirement.

You can get easy resources to fill up the shortfall, because you are working in a company. Companies are ready to give you credit on the basis of your salary slip.

You are also ready to get credit from another company to fill up the deficit.

Now you are ready to close the small debt pit, and begin to dig another debt pit, which will be deeper than the first pit.

The same deficit pressure mounts after some time. Again you are prepared to obtain loan with some other company.

Now you dig another debt pit, which is more than the size of first and second debt pit.

Like this you will go on digging pit after pit, closing the earlier pit to overcome your deficit.

Finally at one stage when you see the remaining pit, it will look like a deep pit, which will be very difficult to fill it up from any source.

So the ultimate choice before you will be to dispose off the house to fill up the deep pit.

You have also made up your mind to sell the house.

Then you have also made arrangements to dispose off the house.

One buyer came forward to buy the house. Even though the rate offered by him is not as expected by you, you have to get the money and fill it up the debt pit finally remaining before you.

The house was finally sold off and you got the money. But while working out the amount you have to settle to your debtors, you need some more money.

With the proceeds realized out of selling the house, you have settled most of the debt.

So what happened to your dream of having house?

You have lost all your savings, jewels, and other resources and still have some debts.

Where all of your money has gone?

It is no secret, most part of your debt were for the interest.

The interest made you to close one pit after another and finally it let you with a deep pit.

This is a common plight of most of the families especially in the middle class peoples.

The reason is due to their mental capability to enjoy all modern amenities without knowing their economic capability.

Enjoying the life is absolutely necessary but it should be ones own resources. We can enjoy life but not on obtaining debt.

We have to increase our resources and then think about enjoying the amenities.