CONTEST Looking Back/Look Forward 3.45
This is my entry for CONTEST Looking Back/Look Forward 3.45 by @wakeupkitty from @team-ccc.
Deadline of the contest: May 1, 2021, 6 p.m. Parish time
I am inviting @marblely @gertu @olivia08 to join in this giveaway.
Looking Back.
In 2018, (excluding the years before that) we once live in a small wooden house. It belongs to my late father in law. It was the only house there before my sister in law builds her new house just right beside the old house but she does not live there. We are just watching the new house for her. I have no complaint regarding the wooden house except that it is located way too far from my workplace.
I insisted on taking a personal loan from the bank to build a new house which is nearer to my workplace because we already have our little girl in 2018, I hope that she could live in a better house. Plus, I hope to have more time at home than on the road. It was a daring choice to take another loan at that time. I force myself into it just to have my goal realized. It is worth the action but then I failed to manage my loan payment since the Covid-19 started. (I already write about this previously so I will not elaborate more)
Everything is alright now. The struggle is still there but then I am managing. I have seen the tur e form of a bank loan and credit card centre after I failed to make my monthly payment. It has been a scary, stressful and annoying situation knowing that I am not given many options.
These experiences taught me to be grateful for all the things that happen to me. Who knows that help can come from a faraway country through a friend that I knew from steemit. Therefore looking back, I am glad that I took the step to register into this platform around 3 years ago.
Look Forward.
In another 10 more years hopefully, shorter, I will be free of all debts. It is good to be free from debts. Within these 10 years, I am planning to have crypto savings in Nexo as much as possible or it could be a better investment plan in the future.
I cannot predict the future. The only things I can do is my best to accomplish all my goals with the main purpose, I will not let my children suffer as I did. I too want them to learn to be grateful even for the smallest things that happen in their life. I might not be there with them in the future but I know God will.
As I have written before, a friend wrote a song for a competition, and that song touches me deep inside because of this. If you have not heard of the song, below is the link. It is a song in the Malay language. I translated it with the help of a Google translator. I hope you enjoy it.
Color Your Life by Couspira Begons
When you thought that life is hard
Ask yourself why is it so difficult?
When you thought that life is hard
Ask yourself why is it so difficult?
Maybe you feel like someone else's life
Are better than the one you have
Maybe you thought as if it is unnecessary
Like life has no meaning
Trust me, everyone feels the same
Squeezed in the joys and sorrows of life
There must be something we really want
But we can't afford to have it
But if we are sad about this
It will continue to steal away our happiness
Let it all go dear friend let it go
Just follow the flow to where it goes
Look at what you have now
Start colouring your life with it
Learn to be grateful for all the sustenance
No matter how small it is in your life
You must find your smile in your wholehearted acceptance
Which you probably never realized all this time
That's what you need and you'll find it
Your happiness in them
When you accepted their lack
If you accepted us as we are
Let it all go dear friend let it go
Just follow the flow to where it goes
Look at what you have now
Start colouring your life with it
Let it all go dear friend let it go
Just follow the flow to where it goes
Look at what you have now
Start colouring your life with it
Learn to be grateful for all the sustenance
No matter how small in your life
If you like the song, do give them a visit to the YouTube channel, give a like/thumbs up, listen to the whole song and subscribe to help them win.
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I think 10 years isn't long to be free of debts if it comes to a house of your own. Here it would take a lifetime and many do not even see it as debts because it's for their house but these days it isn't easy to pay off. The banks make you loan, they offer it to students to be able to study. The result" 100,000 euros debt at the age of 18. What kind of life is that?
Instead of rent you pay your house off and I see a bright future for you and your child if you manage to have savings.
Why did your sister in law build a house if she has isn't living in it?
All the best for you. It's good we have Steemit. 💖🍀
I am also curious but I do not bother to ask because my husband himself has repeatedly asked her to live there.
A house loan will take a lifetime here too, that is why I took the tough decision to build a house using personal loans which is another type of loan allowed here. If anything happens, like the current state I told you with my payment, they won't be able to take away my house because it is built using a personal loan. If it is under a house loan, the documentation itself will make the banks take away our house in a flash. At least, this is what I think.
My house is safe I guess.
With us they will take away the house, car, savings no matter what if you do not pay your loan. It doesn't matter which type of loan debts are debts and if it comes to paying it's state first (taxes etc) and next the bank.
An option not to let your house taken away is a marriage where partners do not share everything. One takes the loan and all property is "at the name" (owned by) the other partner.
These days the banks force you to take an insurance which can be a plus too.
Pity of the house. It won't be any better if no one cares about it.
The same with us here. I'm not sure what the insurance is for though.
There are different insurances. For example a kind of life insurance. If one of you die, the other partner no longer needs to pay off the loan for the house.
I see. That is convenient.
An upvote and resteem for you. 👍🍀
Thank you.
Thank you for joining this contest.
We wish you all the best.
Upvoted/resteemed
Thank you.