At one point, I became so desperate that I asked a colleague to be a guarantor of a personal loan. I was hoping to use it to pay off my credit card debt (don’t do that by the way). Wisely, she said no.
Then, I asked my mother. She sternly told me: “No. I will not give you money to pay off your debt. You will have to do it yourself!”
She brushed aside my excuses for not being paid enough. “If you don’t learn how to pay this off yourself, you’ll never learn.”
So, that’s what I did. I paid it off myself and while it wasn’t easy to do, I’m glad my mother gave me tough love. Because I learned many, many useful things during my journey to clear my debt: