Buying something which you cannot aford.

[A121]

i gets borrowing to invest

but borrowing to spend on end-user consumption is sooo wrong

hahaha. true. pero that's how most humans act. and, if one is starting a new business here, medyo mahirap. gotta pass through bureaucracy sa registration. mahirap din umutang sa local banks. so ayun na lang, bili na lang ng mga gadgets para may pupuntahan ang pera. :jazzybass:

bukod din sa pag-identify ng needs and wants, dapat magkaroon ng goal setting. if you want a new car and make the monthly payments, find a better paying job.