loans blog

I have made this blog so I can talk to people about the ups and downs on loans, the pros and cons, etc. By now many people have contacted me and told me that my way of thinking is not good, that without people taking so many loans there won't be an economical growth. So in my defense, if people take loans and are not careful with theyr finances they will end up loosing theyr houses and so on, and there will be another crysis. My opinion is this, lets loan only the minimum amount that we need, not the top, the lowest amounnt. Now again people will come to tell me that we need loans etc etc etc, I have never borrowed a cent, and I have saved money on my own, and I think that if you don't have money there are two things to blaim: you (for not beeing so smart as you think you are) and you (for not straighting your priorities).
There is no excuse for beeing poor, if you work hard and want to have big income you will surely get it, if you are lazy and stay on your back all day long you will end up on social assistance!