Loan Apps: I Have Used My Hands To Bury Myself - Business (6) - Nairaland
Nairaland Forum / Nairaland / General / Business / Loan Apps: I Have Used My Hands To Bury Myself (56911 Views)
How Do I Prevent Loan Apps Like Sokoloan From Calling My Contacts / Paypal Fraudster Fell VICTIM... Played Into My Hands Again / Top 11 Quick Loan Apps In Nigeria For Individuals And Business Owners (2) (3) (4)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) ... (11) (Reply) (Go Down)
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Incandescent(m): 10:44am On Jan 12, 2022 |
Bros pls  open up to your wife she would have to suffer for a while.Of she is a good wife. She would be the one to start selling off the items. Debt is such a terrible thing. I hope you get out of this. You can chat me up privately to guide you on what to do. I won't charge a dime. I don't need it I like the fact that you have taken responsibility for your current state and not blame anyone. .. 2 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by easzypeaszy(m): 10:44am On Jan 12, 2022 |
Degunners:My brother...dey cant kiii u so no kii ursef...ppl owe pass u...al dose celeb own pass ur own n dey do worst...no be ur fault ...Enjoy ur day 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by darqly(m): 10:46am On Jan 12, 2022 |
Go and talk to the guys at Bfree and they'll help you draw up a repayment plan or plans as the case may be. The loan companies are unwilling to invest in risk management or credit profiling if not they would've spotted you as bad market from afar and declined your requests, which would now have been a blessing to you. All the best bro. 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by HoneySwag(f): 10:47am On Jan 12, 2022 |
My advise is going to be on how you should clear those loans. I have nothing to say about your attitude towards loan because you already said you might go into it after you clear the loans (meaning you don't learn). Don't collect loans anymore. My suggestion is that from your salary, clear those loans with the smallest amount of money to the biggest. Ensure at the end of every month, you're able to clear one of those loan apps. And please don't live above your means, you don't have to put yourself in such debt to impress anyone. |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by sanugo231: 10:47am On Jan 12, 2022 |
I just need someone to scold me badly, maybe it will help me get sense. Seriously I can't just believe at my age I still do the things I do. Right now I am in deep hole of debts from these loan apps. Can you imagine someone taking loans from more than 10 apps? Yes that someone is me. Presently if I should add up all the loans it will be close or more than 500k. The annoying thing is this is like 3yrs now I have been struggling with these apps. I once was able to clear all the loans but like a dog going back to it's vomit, I still went back to them (I seriously need delivarence). Why I'm so ashamed of myself is because I didn't take these loans mostly because I don't have a good source of income but because I don't know how to save and I am very extravagantly wasteful. I loving feeling rich, I can buy beer and flex anyone those I know and those I don't. Thought getting married will help but for where like I got worst after that. I seriously don't know how to come out of this mess I dragged myself into. Because these loan apps will only give you 7days loan with very high interest. I have been servicing these loans throughout last year and I don't want to continue this year. I have already spent more than 200k this month alone on interest alone because I have to borrow again to be able to pay others. I'm owing the following apps: 1. Fastmoney 70k 2. Imoney 50k 3. Gocash 38k 4. 40k 5. Palm credit 70k and counting this is long over due. 6. Kuda 50k 7. Next credit 21k 8. Mint loan 35k 9. 9jacash 12k 10. Add money 9k 11. Ncash 9k 12. Ducredit 70k 13. Ajeloan 15k 14. Easy Naira 12k. 15. Cashsea 26k I'm even scared to add the total but this my current reality. Virtually all are 7days loan. I don't know how a sane human being can get to this stage, I don't want to attribute anything to anyone or some village people. This is my owing making, and I have been living with this burden for long. I was hoping to get a job that will pay me like 500k at once but none for now. I dont even know what next to do. I have alot of other responsibilities to cater for. I don't even have friends or relatives I can run to. I am writing this because I deserve all the insults in the whole world. I deserve to the stoned. Though I will never take my life because of this, God forbid but I can't grow with these on my neck and it's really weighing me down. I can't remember when last I genuinely smiled or laughed. I'm determined to find a way to over come this problem. That's why I'm here. I know you guys will come for my head but I'm already in this shot so I will accept any insult. But please if someone can say something to help me a little I will appreciate. I'm not breathing fine but I'm currently harvesting what I planted. Wish I can get a counselor or therapist who can help me because I'm scared that even if I suffer and clear these I might not learn my lesson because it has happened before. What can I do please? Wahooo!!!! i would like to inform you that this predicament has fallen on me also infact still wondering how i could get out of this stupid act, for me i didnt use the money to flex but for family upkeep even that i had a less paying job.... I pray i get a better paying job and start servicing my loan. My brother in this stupid act, relax ur mind and hustle hard and start paying them one by one. 2 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Firsttimeroooo: 10:47am On Jan 12, 2022 |
Degunners: Ooo my goodness. A part of your story is actually a sorry of my life. I have been in a battle with these loan apps for about 4 years now. Cleared it one time and still got back to it. Mine is currently about 100k and it has badly affected me, my work ethic, my mental health. I am just looking for a viable way out and it is definitely going to be my last because I can't deal with these series of consequences. I am trying my hands on referrals now, I really hope this works out. Kindly follow this link for you to start your saving and investment journey. I use PiggyVest to save & invest securely. Sign up with my link and get ₦1,000.00 to start your own savings journey - https://www.piggyvest.com/?newref=1&ref=1275a55bf90419 1 Like 1 Share |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by seniorkachion(m): 10:48am On Jan 12, 2022 |
1. Stop borrowing 2. You will default on all the loans and endure the harassment and insults from them. 3. Pay from your salary. 4. Start paying off the loans one by one. 5. Start by paying of the smallest sums. 6. As you pay off each loan remove your card details from the app and delete the app from your phone. 7. Stop flexing yourself, friends and strangers. 8. Tell your wife about it and promise her you will not borrow again. 3 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by hustla(m): 10:49am On Jan 12, 2022 |
Degunners: You think say u wise 2 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by UncleJudax(m): 10:52am On Jan 12, 2022 |
izywzy:Some na none of the above. With self-discipline, you are hardly addicted to anything. 2 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by mrkings84(m): 10:53am On Jan 12, 2022 |
KillIgbohoN0W: Cheesus.,.. Those small small figures got up to that? 2 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Baamm(m): 10:53am On Jan 12, 2022 |
Degunners:just try and pay the little ones first. Contact the customer care of the huge one to buy more time and assure them u will pay the penalty before it gets more embarrassing 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by ibietela2(m): 10:54am On Jan 12, 2022 |
matrix199: Between this guy and buhari who is borrowing with your name and that of your kids? 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Davedblues(m): 10:54am On Jan 12, 2022 |
Degunners: |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by MemoriesAndMe: 10:54am On Jan 12, 2022 |
@OP, I copied a whatshap message below. It appears that's the solution to your problem. ------------ Why am I broke ? Do you seem never to have any money at the end of the month and always ask yourself, why am I broke? There is a difference between broke and poor. Poor means you don’t make enough to cover all of your necessities. Broke means you can cover the essentials but never have enough money to save or pay of your debt. Stop asking yourself why am I broke and start fixing the issues before they make you poor. No one sets out to be broke. Bad investment, poor money making skill, poor saving habits; these are some reasons you’ll often revert to broke status. Being broke is not having a reliable source of income. Being broke is living paycheck to paycheck with no savings intact. Being broke is being in debt up to your eyeballs. If you’re sick and tired of being broke, it’s time to take control of your finances this Year. Whether you need to work on your spending habits, learn how to save, or find ways to earn more money, you can find a way to stop being broke. 1- Learn to live below your means. Spending above what you earn will only leave a trail of debt behind you. If you’re spending beyond your means because you need to keep up with your friends or show others that you can afford a certain lifestyle, you’re not doing yourself any good. Stop worrying about what others can afford and think about how you can live within your means. Put your credit or debit card away. They make it easy to spend money you don’t need to spend. Change your attitude on consumer goods. Stop reading fashion, home style, and consumer technology magazines and watching flashy TV shows. They only feed your vain desires. Learn to live below your means. That way you’ll have something left at the end of each month. 2- Develop money skills. You are often broke either because you don’t earn enough or because you spend more than you earn. There are three money skills you need to develop; (a) money making skills (b) money keeping skills (c) Money growing skills. You can’t keep or grow money you don’t have. So the most important thing to do to stop being broke is to develop your money making skills. And what other way than to have skills people are willing to pay for. People don’t usually have money problems. What they often have is a skill problem. If you have skills people are looking for, they will pay money to get it. So if you want to stop being broke, start developing a new skill. If you love to write, develop your writing skill. If you love logical reasoning, you can try your hand in coding. If you love art, learn design, video production, graphic, photography. There are many skills you can develop. Just go and get more self education. 3- If you already have a skill, get better at it If you already have a marketable skill and are still broke, it’s either your skill is not good enough for people to pay for it or that your marketing skill need some work. Take advantage of digital media to reach more prospects. If you are selling a product or service, try online advertising. Learn social media and content marketing. And use this skill to promote what you do. 4- Only lend money you can afford to lose. Inbox Admin if you have had a bad experience lending money to someone close to you. You end up losing your money or even hurting a friendship. I’m sure a lot of you can relate to this. It’s okay to lend a helping hand to someone in need. But that should be when you can afford to. If you are still struggling to find your feet financially, lending money you cannot afford to lose leaves you at the mercy of the borrower. To be on the safer side, only lend money you can afford to let go in the worse case. 5- Use the 50/30/20 rule. The Ultimate Lifetime Money Plan. The idea behind this rule for budgeting is that 50% of your net income should go toward “needs”, 30% should go toward “wants”, and the remaining 20% should go into savings. “Needs” would include things like groceries, prescription medications, rent, and insurance. Some examples of “wants” are Dstv, expensive phone, drinks with the boys and manicures. You may not necessarily hit the exact numbers but work towards splitting your earnings around that percentage. To make this more effective, strive to pay yourself first. Set aside your 20 percent saving before any other spending. Once you’ve exhausted fund for the month, let every unimportant thing wait till next month. 6- Stop buying on impulse. Instant gratification is getting you into trouble time and time again. There are many ways to spend money but fewer ways to make them. An important step to getting your finances in order is to tell your money where to go instead of wondering where it went. A budget puts you back in the driver’s seat so you’re no longer at the mercy of impulse spending. If your potential purchase isn’t in the budget, slow down and back away. Remember that making minor sacrifices now will pay off in the long run. Know what your end goal is, and then go after it! If you always have a plan for what you will buy, you will have a much easier time managing your finances. If you have a hard time controlling your purchases when you go to the mall, try to avoid going to the mall at all. Your urge to buy unnecessary items will likely wear off after several days or sometime a few hours. Instead plan for every big spending. Save towards it. And make the decision thoughtfully. 7- Avoid debts as much as possible. It’s easy to buy things on credit or ask for a loan but they always come back to haunt you when your earnings arrive. Sometimes accumulated debts could halve your income even before you take a dime out. So avoid debts as much as possible and only take loans when there is no other way around a financial situation. 8- Stay Away from Get Rich Quick Schemes. Many people have lost a lot of money in get rich quick schemes that come as high yield investment programs. They make you believe you have to take risk to put your money to work for you. But in the end, it ends up making a few people rich and the rest broke. Investing is a great way to grow your money. But, we aren’t all experts in investing. In fact it’s easier for most people to make money than to invest it profitably. But if done right, investing can lead to unexpected wealth. There is calculated risk and there is dumb risk. The best investors only invest in what they know and understand. That is taking calculated risk. They don’t invest with emotions. They rely on market analysis and projections among other information. You too can start grooming your investing skill in a field of interest. Remember, this rule always apply; if it is too good to be true, then it’s most likely too good to be true. You are better off saving your money than losing it in a get rich quick scheme. 9- Your Socialising Is Expensive Let go off friends that encourage negative habits. It’s been said that “you are the product of the five people you spend most of your time with”. Make a list of your friends and put them into two categories: toxic and non-toxic. You’ll learn that some of the people you hang out with are not worth spending your time with anymore. Maybe every time you hang out with them, you come home feeling emotionally drained or you’re forced to drink against your wish. Perhaps all your friends do is spend money on frivolous things, and now you find yourself doing the same things. Free yourself from those friends. If you are always around people who spend money carelessly, their habits are likely to rub off on you. Try spending time with more frugal people. 10- You Have No Emergency Fund You need your car to get to work, yes? But your vehicle needs an expensive repair. No problem, tap into your emergency fund. That’s why you have one. Oh, you don’t have one. But you still need your car. So you put the repair costs on your already close to the limit credit card. Or worse, you take out a loan. Now you have more debt. Have an emergency fund for unplanned happenings, ie death in the family, accident, unplanned retrenchment. Consider having medical aid insurance, household insurance. In conclusion, the habit you develop with money when you earn a little will translate into when you start earning more. If you spend on impulse with a little, you will not change automatically when you start earning more. If you don’t plan your spending with a little, the same habit will accompany you with earning more. Start now to develop your financial intelligence. Develop and brush up your skills to increase your ability to earn. Your future self will be proud of you. What money habits will you be developing in the new year? Tell me more about it. Your Success Matters to you. Everything is Possible Luke Moyana Ceo of Zimbard Business Advisory Services. Executive Coach. 6 Likes 1 Share |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Sleekjunior(m): 10:55am On Jan 12, 2022 |
Na just #527,000 brotherly and with the interest e fit reack #600k..i say make i epp u calculate am as the lil wey i fit do for u 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Bigpapi: 10:55am On Jan 12, 2022 |
matrix199: Hahahahaha 1 Like
|
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Resurgent2016: 10:55am On Jan 12, 2022 |
dollytino4real: Dont make the mistake of using these kind of high-interest short term loan for business. It will most likely end in tears 2 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by AdeniyiA(m): 10:56am On Jan 12, 2022 |
izywzy: Someone once said a man always has what he spends on(like àgbàná) , apart from his home. Have u checked if the alcohol could be the reason or one of the reasons u spend much on drugs? 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Firsttimeroooo: 10:57am On Jan 12, 2022 |
Degunners: A lot of people have dropped series of advice. This is what I will tell you to do; Try sending an email to all the loan apps and tell them how bad your financial state is, them tell them that they should consider extending the loan for you. With this, don't service any of them again. Start paying them each loan app by app, delete them when you are done. 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Oluwaseun2020(m): 10:57am On Jan 12, 2022 |
It takes a lot of discipline to go off loan... Even if it's 100naira. ... Not just prayer... God has promised his children that they won't have to borrow and as oyedepo said. .. I have key myself into that...each time I want to borrow...I remember that... Even credit on my phone I won't borrow no matter what... I have by the help of God..and personal discipline got to that level...temptation will still come...but loan is a way of satan taking away our joy... The bible name loaners as slaves... Cus when the boroower comes for his money...ah. 3 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Thryphosa(m): 10:59am On Jan 12, 2022 |
Chai, una dey try o, to borrow credit from MTN sef dey scare me not to talk of loan app. I will never try it in my life. It is well my brother, stop borrowing and hustle to pay your debts. Life goes on. 2 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Bouncin(m): 10:59am On Jan 12, 2022 |
I have a friend in exact predicament. At first I thought he's the one writing this until you mentioned you are married  . This life no balance. Why will you borrow money to look rich  I rather prefer to be broke and soak garri overnight than for me to own anybody a dime. Solution! Sell whatever you can to clear the debt, and take pains in buying them back. Then whenever the thought of borrowing comes to your mind again, try to recall what happened the last time you borrowed. That will put some level of fear in you and deter you from borrowing. Note: you can't grow by borrowing. You MUST save! Good luck. 3 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by NybenSBF101(m): 11:00am On Jan 12, 2022 |
Salary is never enough unless you are stealing from Govt You need a side hustle that pays u daily. Try beer parlour with rooms for short time. Thank me later 2 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Firsttimeroooo: 11:03am On Jan 12, 2022 |
dollytino4real: Please, never ever borrow money for your petty business with these loan sharks. It will never end well. High interest with few days to pay. 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by bigcee(m): 11:04am On Jan 12, 2022 |
Sucre6:May God bless you. |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by Percy0006(m): 11:05am On Jan 12, 2022 |
Its never too late to stop money doubler e.g sport betting and baba ijebu... I know what i am saying 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by ogundeleai(m): 11:05am On Jan 12, 2022 |
The point you realize that you don't need to impress anyone is exactly the point you attain freedom 3 Likes |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by otosa(m): 11:07am On Jan 12, 2022 |
KillIgbohoN0W:Adding with the one Buhari collected on behalf of him from China and world bank. |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by ufotunang: 11:08am On Jan 12, 2022 |
You and Buhari have the same character of always collecting loan ..... want you need is self discipline and self control when it comes to money and spending of money and you need to have the habit of saving money 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by syntekelite(m): 11:08am On Jan 12, 2022 |
Degunners: You arent the first.. my advice ... Clear those debts lil by lil.. after which make your wife your bank.. except for lil money u need for leisure all your money should go into a joint acc which your wife must sign for you to access it.. 1 Like |
| Re: Loan Apps: I Have Used My Hands To Bury Myself by GOSPELTRUTH31: 11:09am On Jan 12, 2022 |
Degunners:Since you are already useless to the society Pls I need you to help me carryout a mission.. 2 Likes |
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) ... (11) (Reply)
Where Is X-pression Located? / Today's Naira Exchange Rate Against Dollars, Pounds And Euros / Photos Of Aliko Dangote And His Three Daughters
(Go Up)
| Sections: politics (1) business autos (1) jobs (1) career education (1) romance computers phones travel sports fashion health religion celebs tv-movies music-radio literature webmasters programming techmarket Links: (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) Nairaland - Copyright © 2005 - 2024 Oluwaseun Osewa. All rights reserved. See How To Advertise. 143 |