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I don’t have the statistics to back up my observation, but almost everyone I know take up some kind of loans. Some of my friends with cars have taken up car loans, some has personal loans or even Secured Loans.

What do you think about taking up loans? I think it’s fine, as long as you know how to manage your finance and not borrowing recklessly. Many people who couldn’t get out of their debt simply because of their lack of planning. One should never borrow more than what they can afford to pay back and this must be taken into consideration before you start your loan application. The best ways to avoid the debt trap is proper planning, and borrow wisely. Do visit sites like MoneyWize if you have no idea what loans are all about as they have articles to guide you as well as ways to apply for loans.