Credit Card, Unsecured Loans, Secured Loans - What are they?

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The best way to get something you desire is to save for it. There's a nice word for it - Delayed Gratification. However, if you would like to have instant gratification, you would need to pay a price for it.

You can either get it through your credit card which has the highest interest rates or through unsecured loans or secured/homeowner loans which have slightly lower rates. However, do take note that you'll have to pay for your Loans on time, otherwise there will be high interest rates as well as overdue fees.

So what are the things worth taking a loan for? For me, i think taking a loan to get a house, a car, or a renovation is okay but not taking a loan for a holiday or massage chair. However, everyone has their own set of ideas and principles guarding what they think is right or wrong for a loan.

Ultimately, you'll have to make the most informed decision based on your own preference and choice.

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