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5 Things You Should Never Borrow Money For

5 Things You Should Never Borrow Money For

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There are times when borrowing money is a wise decision. Most people wouldn’t be able to go to university or buy property without a loan. Meanwhile, when it comes to emergencies such as pet treatment or fixing plumbing leaks, loans can also be an option for those that wouldn’t otherwise have the funds.

 

Unfortunately, there are also many times when borrowing money isn’t so wise. Here are just a few examples of things you should never get into debt for.

 

Clothes shopping

 

Personal treats such as clothes aren’t worth getting into debt for – and yet many people are all too willing to go on a shopping spree the moment they get a credit card. As soon as you start having to pay back your debts, you’ll immediately regret spending money on these clothes. Only buy personal treats with your own money so that you feel as if you’ve earnt them.

 

Going on holiday

 

Holidays can cost some families hundreds if not thousands. Few people have this money stashed away, which may make it seem like a suitable time to borrow money. However, a holiday is still a treat and you could similarly regret it afterwards once you start paying back the debt rather than looking back on it fondly. Always try to save up money for holidays rather than paying for them with a loan – look into the best online banks to find the highest interest rates and you may be able to save up more quickly. The only time you may want to borrow money for a holiday is if an emergency comes up and you’ve already paid your deposit and would have otherwise been able to afford it.

 

Funding a gambling habit

 

You should never gamble with borrowed money. If you lose, you’ll have got yourself into debt for no reason at all. Borrowing to fund a gambling habit could be a sign that you can no longer gamble responsibly and that should probably quit gambling altogether. Borrowed money should similarly never be used to fund other bad habits such as smoking, drinking or buying drugs.

 

Taking out a loan for someone else

 

If somebody else asks you to take out a loan for them, it’s probably because their credit score is so low that they can’t get accepted for a loan themselves. A poor credit score is usually the result of not being able to make payments on time – whilst this person may promise to pay back the debt, there’s no guarantee that they will keep to this if they’ve previously struggled with making payments on time. Don’t let other people drag you into debt and potentially ruin your credit score too.

 

Paying off debts with more debts

Taking out a loan to pay off existing debts can be done strategically – you may be able to consolidate lots of small debts with one big loan or you may be able to refinance a debt so that you pay lower interest. However, most people simply aren’t savvy enough to do this and so instead end up getting into a vicious cycle of paying off debts with debts and then trying to pay these debts off with more debts until eventually the overall amount due is huge. You’re best only paying off debts with loans under the guidance of a debt advisor.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Mental Health Problems That Are More Common Than You Think

Mental Health Problems That Are More Common Than You Think

Often mental health problems aren’t talked about as much as physical ones. This perhaps because of the stigma that surrounds them, as well as the culture of blame on the individual that can be associated with such disorders. However, there are many mental health problems that numerous people, meaning they are a lot more common than you would think. Something that we all need to realize more to get help ourselves and support loved one going through them. With that in mind read on to find out about the most common mental health conditions and their treatment below.

 

Bipolar Disorder

 

Bipolar disorder is a mental health issue that affects millions of people in the US. When folks are suffering from this disorder, they have extreme moods, meaning the can be very up and seemly happy or very low down in the depths of depression. For some people, this mood shift takes time to occur, while others that have a rapidly cycling form of the condition go through mood changes very quickly.

 

There are treatments for bipolar available though that can help manage the condition including medications, CBT therapy, and mindfulness-based techniques. These treatments being designed to help the sufferer cope with the mood swings and make wise choices despite what their biological self may be insisting on.

 

Addiction

 

Addiction is another very common mental health problem that affects millions worldwide. Some people may not even realize that they are addicted to a substance as so many are socially acceptable in different cultures, such as smoking, drinking alcohol and overeating.

 

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However, there are substances that are illegal and taboo that people still get addicted to such as crystal meth. This s a powerful stimulant that can cause havoc in the mind and body. Something that means if you are concerned a loved one is using this drug then it is important to educate yourself by reading articles like this post on warning signs of crystal meth abuse and compare the symptoms with what they are displaying. Then if your fears are confirmed, you can help them to seek treatment for this. An action that is likely to improve their quality of life as well as ensuring that they live longer too.

 

OCD

 

OCD is an anxiety condition that over 2% of the population suffer from. Many people associated it with cleaning and checking things, but it can be centered on many different topics such as responsibility, and symmetry.

 

The primary concern in OCD is referred to as the obsession, and the compulsions are actions that that suffers does to relieve them. Some of these will be physical such as excessive hand washing, but others will be purely mental or even cause sufferers to avoid certain situations in which they will get triggered. An action that can have a massive effect on their life.

 

Luckily, there is now a standard treatment for OCD and its CBT including ERP or exposure response prevention. This includes re-assessing this issue as a worrying problem and the sufferer deliberately exposing themselves to situations that raise anxiety so they can learn to cope with them better.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.