Ofcourse in the modern world,there are many ways and means, which force you to become a debtor. Attractive advertisements in the satellite TV force you to become a debtor.It tempt you to buy the modern amenities at any top Maine architects. Even though if you don’t have any money or resources it show you many resources for obtaining credit to buy that product.But you must think thousand times before becoming a debtor. In today’s world credit is the easily available commodity.Numerous companies waiting to pull you in their trap.They are competing severely to pull you in their trap. But you must be careful to entangle in that trap. In spite of this caution if you are prepared to enjoy,then you won’t get any pleasure,but you will lose your peace of mind.

Let us discuss about the common desire of everybody.It is natural that every body wants to have their own house.It is a reasonable desire. But the desire can be attained if you have enough money on your own to buy the house. If you are an executive working in a company what will you think. You will ready to apply for some loan and buy that house.Alright you have decided and applied for a loan also and the loan has also been sanctioned. You will ask the engineer to construct the house with in the sanction of loan. The Engineer on seeing the plan will say “Sir,you are constructing house once in your life time,why such a low budget house,we can increase slightly your plan sir,it won’t cost much only a 10% increase in your normal budget”he will tempt you.

By that time you will also have some Himalayan courage,and think why we can’t adjust that 10% increase,ok we can adjust that 10% increase by obtaining loan from our relatives,and you give consent to the engineer’s suggestion. The Engineer begin to build your house.The house is also going to be completed soon and only some finishing work is there. You ask your engineer ‘when can I take possession of the house’, sir? The engineer will politely tell you,Sir,there is a small problem,the problem is there is a sudden increase in the cost of materials,so I fear whether it is possible to complete the building what we have already planned. But you are in the dream that the house should be constructed at any cost.So you don’t bother about the resource to complete the house and prepared to arrange for the money required for completing the house. What you will do.The next thing before you will be some bank balances available out of your savings and the jewels of your wife or your children.