Hai să vorbim despre datorii. Let’s talk about debt.
Hi. This is Mihnea. Welcome to Romanian Hub, the Ultimate Romanian Language Learning Portal.
In this article we’re going to talk about debt. This is a topic that popped up in the comments section of one of my Romanian phonics videos where I mentioned the word “datorie” – debt.
I’m exploring here with a slightly different format where the focus is not that much on Romanian language teaching, but rather on the topic of discussion itself. To make it clear in future similar lessons, we’re going to call it Romanian Hub Blog. Hai să vorbim despre datorii. Let’s talk about debt.
I can only recall one single instance when I asked anyone for money and that was way back in 2004 when I needed some extra money to pay for my CELTA course. I was doing my masters at the same time and it so happened that I had to pay my fees at university at the same time when I enrolled in the CELTA course. I was on a one-month holiday from work and I didn’t want to miss the opportunity and not take the course even though I didn’t have enough money. And that was the first and last time when I borrowed money in my entire life.
Nu am nici o datorie. I have no debt.
When me and my wife were planning to get married in India, we had a few serious discussions about the kind of lifestyle we each wanted and debt was something we both had very strong opinions on. No debt in our family.
As a matter of fact, I don’t even have a credit card. I’ve never had one. As a family, we use my wife’s credit card to pay for stuff, especially when making travel arrangements, but we always pay off our credit card expenses at the end of the month.
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Now, don’t get me wrong. I’m not against credit cards. As a matter of fact, I love paying by plastic and earning points which at the end of the year we can claim as credit balance. What I strongly oppose it being in debt, accumulating credit card debt, and, in the worst case scenario, going to loan sharks and ending up paying a substantial commissions.
There are very straightforward ways of avoiding debt and the one has the most common sense is not living beyond your means. You don’t need a new car just because a new model came out. You don’t need a curved TV to replace your old one. You don’t need to shop in expensive stores just because you wanna to be in fashion. If you really want a luxurious item, save up for a few months, even a few years, and then treat yourself.
But don’t go into debt just because you wanna be in trend.
That was point number #1 on how to avoid debt.
By now you probably think I’m a cheap Romanian who lives a meager life. While I might not have a good sense of fashion (some say I have no sense of fashion at all), I do spend a lot of money on expensive gadgets, especially for my Romanian Hub YouTube channel.
So, coming to point number #2 on how to avoid debt:
Don’t buy stuff that won’t benefit you in the long run.
I used to have a Honda Jazz because I though I really needed a car to go to my archery field in Bangkok. That was until I got stuck in the horrible Bangkok traffic so many times and literally halved my training time as a consequence. It became ridiculous. I was spending money on gas and monthly car payments, not to mention the insurance, while in the meantime I just wasted my time in traffic.
Although buying a car made sense at first, it soon proved to be a bad investment. So, I decided to buy a backpack specially designed for recurve archery and ride my motorbike to the archery field. What did I do with the car? I sold it and thus got rid of the extra expenses and managed to save not only money but time too.
If you go in debt over something that is a burden, you got to get rid of it. It’s dead weight that will only pull you down.
Remember, you can avoid debt by:
Tip #1. not living beyond your means and
Tip #2. not spending on things that don’t successfully improve your lifestyle.
And that’s the end of Romanian Hub Blog. Hai să vorbim despre datorii. Let’s talk about debt. How to avoid debt. I’d really love to hear your feedback on this blog format. I’ll definitely continue with my flagship Romanian Language Learning Series but I’d also like to expand my reach and horizon. Please share your thoughts in the comments section below.
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Ceau. This is Mihnea, signing out from Bangkok.
