Chapter 19: Co-signer, the debt trap.
"Why wait?" they say when you can have it today. So, you grab it like the left hind leg of a rabbit, things are going your way, so you say, no longer running away as before. You feel good, really good, for a while. Because you never had anything like that before, but now you do, you have it in style. Then you saw the neighbors' new shiny stuff, you want that too. You go out and get it like you already know that you must; who's to stop you?
Then one day, the real trouble was to come your way, which is common to all, and which the wise of the earth plan for. Including, but not limited to, your moneylenders. Those who are still there, and are there even now, still planning, wheeling, dealing, and who's still willing and well-able to, to bend down and help you out. With the "more money" you need now, and the cravings in your mouth. But you now find that you have already used up something you previously had, but didn't even know that you had it. It's called a credit score, or credit rating, yet some more, today's new habit. You can borrow other people's money, a tiny bit of that "other people's" money, the money you borrow when you don't need it, to buy things you don't need. So funny, sit, sit down, please, and eat.
To go out and impress people you don't even like. That would have been because you already knew that they didn't like you, and that's why you didn't care about them either, right, Boo? At the time, too, you swore and boasted about how blessed you were. Told no end of stories about what the Lord has done for you so far, but you now have a regular monthly repayment schedule to honor and to do, so that the man and his children may be fed, perpetually, too.
If and when you and your spouse can't (together) get them to extend yet more credit to you, because you've both used and messed up that facility. They then tell you, "Yes, you can have it, but you're going to need a co-signer." What this means is you must now go out and find her, go and convince your son, your daughter, your brother, and your sister. Or anyone else in your family circle who has not yet sold herself out to the devil, mister? sorry, I meant to say, to them. You must get them to come in and join up with you and yours. Shaking hands in agreement, to become enslaved to them, once more. Whatever you do or don't do in this life, take it from this fool here who doesn't know nuttn. No, not even his wife without the button. Not anything at all. Save yourself the trouble and from the fall. Don't do this. Ever.
Since we're on the subject of savings, be it saving yourself from something, or... Well, whatever. Like, saving money, or people out of their perceived predicaments. Here are some more do's and don'ts for you in that regard, of the fence. Do: do help people out, if and when you can. Don't; don't make a habit out of helping people out, whether or not you can. Especially, not the very same people all the time. It's not good for either of you, the giver or the receiver of the dime. The old man has something to say on this matter, too. No, not that old man across from you, but another one. This is yet another wise old man, a grand old man from further on.
The old man had said one should always reach out and lend a helping hand to a stranger, and the bed. Lend the bed, especially, yes. Especially to strangers because we were once strangers, (to the cross, even,) at one point or the other, good evening. But don't give him always, don't just give him the food, for instance. But give him the wherewithal to go out and produce or provide his food for himself and his ten sons. For example, just for example, give to the stranger who has just arrived on your doorstep, food to eat and a place to sleep, yes, and the bed too. So that he won't have to go out and beg for food or sleep outside under the night dew. If at all, you can. But also give him a chance at starting over from scratch, if needed.
What it means is this: while you're there feeding the hungry man, don't forget to give him potato seeds also, in his hands. So that he can grow meat plants, along with the mashed potato meal on the plate in his hand, like these, bean seeds too, for instance. The old man's logic is that you should feed that man for three months, and no longer. That is because, apart from taking care of immediate hunger, you should do for him those things that will last longer. Because if he were to do the right thing with those seeds, by starting his breed. Like, if he had gone out and planted them as he should? They would have been producing food for him that was good by then. You want to be a doer of good deeds, my friends, to the people who are in need, and those whom you feed. But not to be an encourager or enabler of bad and destructive habits like these.
By the same token, if your friend comes to you and asks you for some funds, to put fuel in the car to go out and get things done today, and then some. Like, to get to work and so on. By all means, don't let the person go away, or not be able to leave and go away from your door or anywhere else. That would be just because there is no fuel in the car to enable him to go anywhere whatsoever. Don't let him leave without the money or the fuel, mi Breda, whichever one you can, on the duel. Unless you absolutely cannot find it anywhere, to give him, yeah, that man, or the fool. However, if that said person should come back to you two, three, or four times more asking that very same favor of you, and at your door, disturbing the key, trying to get through. Don't give in, don't give it to him.
Let him go and learn how to manage his affairs correctly, to the win. And you yourself, need to learn some things. Like, you'd better learn how to say "No" before the community loses both of you down below, the Abyss. The easy rider who will not learn how to be a man (or a woman). He will not spare or deny himself anything, be it a great or small plan. No matter how foolish and unnecessary it is, leaving his hand. Because he knows where to go for help every time. The bleeding-heart do-gooder also, who will not save himself and those who need to be saved by him, and her. Like his own family, for instance, his seed even.
He needs to go and learn some of these things, too. It's him who they (his spouse and children) are looking to and depending on in the house. To save them against the evil day, coming down the roads. Which is bound to get to the point of coming sooner or later, better sooner than later, I suppose. But if he gives in to the con man all the time, be it this one sitting right here on the mime, or the other contrite person over there to find. If he continues along that line unabated. It won't be long before, he, too, even you won't have the wherewithal to help anybody at all, same as he did. Not even his newborn baby, in the crib. Take it from this fool who knows nothing that could be learned in school. He's been there and done that too, too many times. On either side of the Leger here, too, no denying it.
"Thank you" is in order here, again, my friends who have been there for me. In my greatest hours of need. There were many. It's not that I've crossed over and won't see those days again, any. No, not at all. I just decided to approach it all differently and to test the strength of that wild beast in front of me. If only to see what metals he is made of, probably. I won't be taking the easy route out anymore. Because I've learned that, that road sure is not easy for either of us.
To be continued.
WritingElk.
"Why wait?" they say when you can have it today. So, you grab it like the left hind leg of a rabbit, things are going your way, so you say, no longer running away as before. You feel good, really good, for a while. Because you never had anything like that before, but now you do, you have it in style. Then you saw the neighbors' new shiny stuff, you want that too. You go out and get it like you already know that you must; who's to stop you?
Then one day, the real trouble was to come your way, which is common to all, and which the wise of the earth plan for. Including, but not limited to, your moneylenders. Those who are still there, and are there even now, still planning, wheeling, dealing, and who's still willing and well-able to, to bend down and help you out. With the "more money" you need now, and the cravings in your mouth. But you now find that you have already used up something you previously had, but didn't even know that you had it. It's called a credit score, or credit rating, yet some more, today's new habit. You can borrow other people's money, a tiny bit of that "other people's" money, the money you borrow when you don't need it, to buy things you don't need. So funny, sit, sit down, please, and eat.
To go out and impress people you don't even like. That would have been because you already knew that they didn't like you, and that's why you didn't care about them either, right, Boo? At the time, too, you swore and boasted about how blessed you were. Told no end of stories about what the Lord has done for you so far, but you now have a regular monthly repayment schedule to honor and to do, so that the man and his children may be fed, perpetually, too.
If and when you and your spouse can't (together) get them to extend yet more credit to you, because you've both used and messed up that facility. They then tell you, "Yes, you can have it, but you're going to need a co-signer." What this means is you must now go out and find her, go and convince your son, your daughter, your brother, and your sister. Or anyone else in your family circle who has not yet sold herself out to the devil, mister? sorry, I meant to say, to them. You must get them to come in and join up with you and yours. Shaking hands in agreement, to become enslaved to them, once more. Whatever you do or don't do in this life, take it from this fool here who doesn't know nuttn. No, not even his wife without the button. Not anything at all. Save yourself the trouble and from the fall. Don't do this. Ever.
Since we're on the subject of savings, be it saving yourself from something, or... Well, whatever. Like, saving money, or people out of their perceived predicaments. Here are some more do's and don'ts for you in that regard, of the fence. Do: do help people out, if and when you can. Don't; don't make a habit out of helping people out, whether or not you can. Especially, not the very same people all the time. It's not good for either of you, the giver or the receiver of the dime. The old man has something to say on this matter, too. No, not that old man across from you, but another one. This is yet another wise old man, a grand old man from further on.
The old man had said one should always reach out and lend a helping hand to a stranger, and the bed. Lend the bed, especially, yes. Especially to strangers because we were once strangers, (to the cross, even,) at one point or the other, good evening. But don't give him always, don't just give him the food, for instance. But give him the wherewithal to go out and produce or provide his food for himself and his ten sons. For example, just for example, give to the stranger who has just arrived on your doorstep, food to eat and a place to sleep, yes, and the bed too. So that he won't have to go out and beg for food or sleep outside under the night dew. If at all, you can. But also give him a chance at starting over from scratch, if needed.
What it means is this: while you're there feeding the hungry man, don't forget to give him potato seeds also, in his hands. So that he can grow meat plants, along with the mashed potato meal on the plate in his hand, like these, bean seeds too, for instance. The old man's logic is that you should feed that man for three months, and no longer. That is because, apart from taking care of immediate hunger, you should do for him those things that will last longer. Because if he were to do the right thing with those seeds, by starting his breed. Like, if he had gone out and planted them as he should? They would have been producing food for him that was good by then. You want to be a doer of good deeds, my friends, to the people who are in need, and those whom you feed. But not to be an encourager or enabler of bad and destructive habits like these.
By the same token, if your friend comes to you and asks you for some funds, to put fuel in the car to go out and get things done today, and then some. Like, to get to work and so on. By all means, don't let the person go away, or not be able to leave and go away from your door or anywhere else. That would be just because there is no fuel in the car to enable him to go anywhere whatsoever. Don't let him leave without the money or the fuel, mi Breda, whichever one you can, on the duel. Unless you absolutely cannot find it anywhere, to give him, yeah, that man, or the fool. However, if that said person should come back to you two, three, or four times more asking that very same favor of you, and at your door, disturbing the key, trying to get through. Don't give in, don't give it to him.
Let him go and learn how to manage his affairs correctly, to the win. And you yourself, need to learn some things. Like, you'd better learn how to say "No" before the community loses both of you down below, the Abyss. The easy rider who will not learn how to be a man (or a woman). He will not spare or deny himself anything, be it a great or small plan. No matter how foolish and unnecessary it is, leaving his hand. Because he knows where to go for help every time. The bleeding-heart do-gooder also, who will not save himself and those who need to be saved by him, and her. Like his own family, for instance, his seed even.
He needs to go and learn some of these things, too. It's him who they (his spouse and children) are looking to and depending on in the house. To save them against the evil day, coming down the roads. Which is bound to get to the point of coming sooner or later, better sooner than later, I suppose. But if he gives in to the con man all the time, be it this one sitting right here on the mime, or the other contrite person over there to find. If he continues along that line unabated. It won't be long before, he, too, even you won't have the wherewithal to help anybody at all, same as he did. Not even his newborn baby, in the crib. Take it from this fool who knows nothing that could be learned in school. He's been there and done that too, too many times. On either side of the Leger here, too, no denying it.
"Thank you" is in order here, again, my friends who have been there for me. In my greatest hours of need. There were many. It's not that I've crossed over and won't see those days again, any. No, not at all. I just decided to approach it all differently and to test the strength of that wild beast in front of me. If only to see what metals he is made of, probably. I won't be taking the easy route out anymore. Because I've learned that, that road sure is not easy for either of us.
To be continued.
WritingElk.
Support E. Lloyd K (The WritingElk)
