[THE eXchanger]

if you "borrow" from anyone ...
then you should "pay it back"

if you short change someone...
somewhere, you will end up getting short changed back

getting things,
before you earn the things,
is a costly way of having things,
esp. since, if you did NOT do the right energetic things,
to deserve them in the first place

i believe in borrowing money for three things

1) school

2) a house

3) a car, is you need it, to do what earns you a living,
and, you can absolutely NOT, be without one
(1,000,000's of professionals, in new york/toronto/london,
etc., live without having a car)
and, you rent one, when you absolutely need to have one

if you are into your credit cards/and,
that is how you live - month to month
minimum payment to minimum payment
it is a good idea to realise,
that money is energy, and, energy can be raised,
and, normally, if you raise your energy,
and, order up the universe,
by offering "good exchange",
all that you require, will be given to you

i also agree with "baggywrinkle"

on the topic of "the money exchangers-or banks"
they thrive on your greed, and, your ability to say
charge it, when you can NOT afford to charge it
you are an asset to them, as long as you pay
you are a liability to them, if you do NOT pay
but, either way,
it is a liability to you/and, rarely are assets you acquire
on time, worth the price you pay to get them that way,
they are normally worn out/and, useless,
by the time, you ever get around to paying them off

if you have bad debt / consolidate it
and, then, if you do NOT want to pay cash for something,
then, do without it

at this point, the only thing i have,
is a mortgage, and, i hope to soon get rid of that,
by paying off 25% of the balance of it,
once a year
(yup...you can pay off a house in 5 years,
if you really focus on it)

also, perhaps more of us,
need to explore private mortgages,
instead of bank ones

my great-great grandfather was a money lender/
and, helped many immigrants, get into business/and, into houses/and, farms, esp. since banks would NOT help them,
and, he never charged anyone a lot of interest,
his rates, were 1% less than the bank--
and, where quite appealing to many people,
also, he never had to take anyone to court,
and, no one ever took him to court,
which says, a great deal about what a true money lender,
is all about

we need to exchange with one another,
and, side-swipe the bandits !!!

learn to barter/
and, trade with your neighbours
pass on things that you no longer use to someone else
buy somethings you need second hand

cheers/
susan
the eXchanger