Our expert says:
Isn't that actually very easy to understand ? Isn't the greater p[uzzle, to explain why most of us, if we borrowed at all, would be keen and anxious to repay the loan as soon as possible ?
As 40ish and Liza emphasize, some people feel frank jealousy towards others who have often worked harder, for longer, and wasted less, so as to have indeed more money than the borrower has.
As in 40ish's example - nobody forced that sister to be a single mother - that was a choice she made, and one which inevitably increases expenses and can reduce earning capacity. There's no reason why people who chose to postpone child-making until they could afford to look after the child properly ought to be punished and fined to support those who chose to be less responsible.
I continue to be surprised at how so many people who lend from family and friends because of debt problems, are lavish in their personal expemnditure - new clothes they can't afford, bottled water when tap-water is fine, only the finest foods, every child must have their own ipad, and so on. They don't see why they should live within their means. Its the dangerous issue of feeling ENTITLED to LUXURIES that often causes problems.
Liza I think 40-ish was quoting a friend, rather than her own attitude. At least I hope so !
Some of us are proud to be independent ; and some haven't the remotest interest in being independent, and want only to collect donations.
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