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Hi lovely family,
I'm excited to bring forth my response to the week 111 edition 3 engagement. It's been a great moment and I need to appreciate all the entire management team for their selfless effort in ensuring quality and consistent delivery of the prompt in this glorious community. I decided today to appreciate all of us that have remained resolute and consistent too in participating in the prompt. It's not easy but we deliberately took it upon ourselves to do this. Multiplied of God's grace upon all ourlives.
![](https://images.ecency.com/DQmaDhCynYHMgpHvxTE85Qqk7YqyoDDmhgd5hoiiXN8Ay46/photo_1553729459_efe14ef6055d.jpeg)
[Source](https://unsplash.com/photos/fan-of-100-us-dollar-banknotes-lCPhGxs7pww)

Experience is normally said is the best teacher. There's no one that can limit the extent of experience. Financial stewardship is an integral part of life's endeavour that if you faithfully succeed, you would live to celebrate. The subject for this edition focuses on loan and my experience. Ever since I was a child, I never wanted anything that has to do with money because of the way I was brought up as a pastor's child. My parent never exposed me to good financial management.

I wish to share my experience on one of the loans I collected. I never knew it will turn out this way. Infact I didn't know it was loan initially anyway. We were told to apply for money but unknown to me it was loan in disguise. When I receive the alert, I was so  happy thinking all is well for. After few months, I started receiving sms into my phone that I should refund the money. The moratorium has exceeded hmmm what's this? There questions kept bubbling so it was loan o received? The kept sending different sms and I was mute about. One day, someone mistakenly sent me money to that account after some hours I received debit alert as part of the repayment process of the loan. It pisses me up oooo because I wasn't expecting this and more so I have plan on how to spend the money. Loan when received seems to be sweet but repay is somehow annoying.

This was my first loan and I promised never to indulge myself into such things again because it can be embarrassing and disgusting. That reminds of a lady that collected loan from one of these online app. I don't really know what happened but I received message that I should desist from her and never have anything to do with her because she's a fraudster. This is one of the disadvantage of collecting loan from this kind of people. I know some people reading might be victims of this. Sometimes they loan out less than ₦50,000 or any chicken and enticing amount. The thing is, you might not know the extent to which they have forwarded this message to other contacts. Such online loans can easily tarnish one's reputation.

Men....I couldn't hold it ooo. I was almost frustrated. So every loan must be repayed. This experience taught me lessons. It's not good to receive loan without a plan on how to repay it back. Some loans are bait to spoil your reputation. Be careful and be contented.

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