It feels bad, when we have to face the blockage to our finances at the point of time when they are very much needed. Whether one is rich or poor, you can't say that he is willing to skip out on the Christmas celebrations, when new gifts, home decoration, home improvement or a vacation is on everyone's mind.
Last year, I also celebrated Christmas with a lot of complications. I am not having a separate saving account for Christmas celebrations and always do it with my regular earnings. However, last year, I had some urgent requirement for money as some urgent medical expenses came on my head and my child's education was also due with that. It was a Christmas time and I was having almost no cash for celebrations and that is when I went for Christmas loans.
My cash crunch was forcing me to skip out on any big celebration on the previous Christmas. I used to convince my family, saying that we will have the blast on Christmas next year, but I was feeling guilty that I am not operating with any heavy saving account due to which my family is not happy on Christmas.
The festive eve was coming close and I was looking for the ways to arrange money. Suddenly, one of my friend told me to go for Christmas loans. Initially, I got excited but afterwards when I discussed it with my wife, she refused the idea as she was not willing to have a repayment burden on head.
However, I insisted for the idea of Christmas loan and discussed it with bank, where I found that the funds are available in this scheme with a lower APR for which the installments can be paid for a longer period. This means that I didn't have to worry for a quick repayment.
I suddenly decided to subscribe to this loan and got the funds transferred in my account on a quick note. With Christmas loans in our hands, we went for the vacation on last Christmas.
Last year, I also celebrated Christmas with a lot of complications. I am not having a separate saving account for Christmas celebrations and always do it with my regular earnings. However, last year, I had some urgent requirement for money as some urgent medical expenses came on my head and my child's education was also due with that. It was a Christmas time and I was having almost no cash for celebrations and that is when I went for Christmas loans.
My cash crunch was forcing me to skip out on any big celebration on the previous Christmas. I used to convince my family, saying that we will have the blast on Christmas next year, but I was feeling guilty that I am not operating with any heavy saving account due to which my family is not happy on Christmas.
The festive eve was coming close and I was looking for the ways to arrange money. Suddenly, one of my friend told me to go for Christmas loans. Initially, I got excited but afterwards when I discussed it with my wife, she refused the idea as she was not willing to have a repayment burden on head.
However, I insisted for the idea of Christmas loan and discussed it with bank, where I found that the funds are available in this scheme with a lower APR for which the installments can be paid for a longer period. This means that I didn't have to worry for a quick repayment.
I suddenly decided to subscribe to this loan and got the funds transferred in my account on a quick note. With Christmas loans in our hands, we went for the vacation on last Christmas.
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