To Loan or Not?

Since I’m in the “budgeting our finances” mode, and that I’m still planning to get the items in our wish list, maybe I should resort to applying for Personal Loans. I initially thought of availing our company’s Personal Loan benefit, but this would only give me an amount equivalent to my one month salary. I already got the soft loan benefit to managers for our down payment of our condo, so I can’t get another soft loan. Well, at least not yet. Well, the good thing though is that it’s interest-free, so that’s a plus factor.

But still, I would consider a Personal Loan Application from institutions (and even online lending companies such as Personal Loans Markets) and check if the rates are good, the loan amounts are sufficient, and offers nationwide services. I checked out Personal loans Market and its interesting to know that they do not do credit checks for loans up to $1000 and also service those with bad credit (not that I have bad credit).

I know, I know, one must live within one’s means. We do, really. I just don’t like to spend our savings big-time. Hahaha. Gash I can’t wait till dear husband is here. He usually brings me back to my senses and keeps me sane. I think. Hahaha.