In my very genuine, well-thought and honest opinion, debts would have been the 11th plague, closely following the death of all first born males in Egypt.
Debts, are bad, to the very meaning of this word. Debts can and will make you a miserable walking dead human being. And even in death, your kinsmen will talk of it, with their mouths twisted and lips folded pointing in jest towards your grave. You will shiver in your grave my friend..you will tremble when people talk about your debts. Debts will make you appear ugly, and you will outright lose your honor.
If I, Scholar of my grandpa Tr Jonathan Omollo was to be given a chance to go back in time, I’d make wiser life choices, and on top of the list, I’d write in bold, red, ‘AVOID DEBTS, BY ALL MEANS’.
See, trying to survive in this city, money not only comes in handy, it is a necessity. It is mandatory. It makes life happen, and, oh yee holier than thou group of wisemen, do not come telling me that life can be complete without money, especially in this city. Issa no!
There is careless borrowing, then there are genuine debts that you get yourself into and before you know it, it is overwhelming and you have nowhere to raise money to pay back. And at that point, you realize that there’s a dead end in life. And this is when hell breaks loose.
First, you will feel poor, useless and a burden. The feeling of not being able to fend for yourself and being a burden to people will make you feel like the most miserable human being, more like a puppy abandoned in a storm. You will feel guilty of being fended for, and at times you will not want to accept any help.
Second, when it rains, it pours. This phrase never works any better than it works for people in debts. You will suddenly become sick, or your phone will be snatched in town, or its screen will crack badly. Your shoes will get torn due to the long treks on your way to hustles that never pay. You will need money to attend and interview for a job position whose company has preferred candidates and you are just being used as a formality. Family will be calling and texting for money. There is a sibling who’ll be somewhere asking for pocket money, hopeful that you’ll provide. It hurts to disappoint a sibling, you know that, yes? It will get crazy for you. Debts are the real enemies.
The worst that comes with debts is the way your creditor(s) will paint your name with murk and mud. At this point, friends give up on you completely, they’ll want nothing to do with you. You send them a text and they send the screenshot all over with the caption ,’the money borrower just texted’. You will be backstabbed. In very rare cases will people stop to listen to your predicaments and suffering. You could be doing your best to avoid debts and even pay what you already owe people, but getting out of this mess is usually very difficult, especially when there is no job, or stable source of income.
Also, people will begin CCTVing your life. My friend, you will not be allowed to get a pair of shoes even when your old ones are totally worn out. They will whisper behind your back, and say how you spend money yet you are in debt. Really, they will want you to suffer, because you have given the impression that you are a sufferer. You will feel guilty to go out for lunch with any of your creditors, because even their food will look like debt to you.
You will also get nicknames, bad ones!
And you will be gossiped terribly, and because we live in the era of screenshots, the bitter words and backstabbing will prolly’ reach you, because, well, there’s a breed of human beings who like peddling gossip, and they will not just gossip peacefully and let their gossip stick to where it belongs. They will send you screenshots to rub it on your face. Be careful with people who tell you what another person told them about you.
If you are lucky enough, your creditors will give you an extension..some will understand the suffering, and help you through. Some will also remain silent and hate you inwardly.
You will keep a facade to entice the whole world that all is well. You will, by all means possible, avoid social gatherings. You will not know peace.
It is a difficult place to be, do not let yourself be there.
But if you ever find yourself here, work hard, find gigs, raise money, stop borrowing and work towards offsetting your debts. Work hard for your peace, work hard for your dignity, walk until the sole of your feet hurt, but walk, work and hustle so hard, do whatever genuine hustle there is until you pay the very last cent. Work for your freedom, because debts will imprison you. You got to flex your way out of it, you got to roll up sleeves.
And, hold up, you will manage just fine. And while at it, learn your lessons and carry them along in life. Once out, never, even in a drunken stupor, go back.
Because, debts will make you know that human beings don’t owe you kindness.
Avoid debts if you can, and if you cannot avoid them, do yourself the favour of avoiding them, totally. You will be grateful to yourself, someday.
Been there, done that.
Also, I wish I was taught financial management as a compulsory unit right from Pre-school.
I’ll give my kids that priviledge.