Livet er langt, men det går fort

Smålån

Ta deg en ferie, sier venninna di. Du trenger et avbrekk. Etter alt som har skjedd, arbeidspresset og alt rotet med arveoppgjøret. Du kan bli med meg til Malta, jeg har venner der, vi får bo gratis. Det startet med dette, og du tenkte deg lenge om. Ja jeg trenger virkelig å komme meg bort litt. Nyte sol og sommer, ta noen turer rundt om på øya, tenke bare på meg selv. Det var bare et problem. Det var tomt på kontoen. Helt tomt og ingenting på sparekontoen heller. Så dum jeg er, virkelig går det an. Du sløser pengene dine bort på tull og tøys. Jeg er sikker på at jeg har brukt 100000 kroner på sjokolade og brus i år. Livet er langt, men det går alt for fort tenkte du mens du bladde i en avis, mer som en apatisk apekatt.

Snuoperasjon

Nei, denne turen skulle du på, samme hva det kostet. I avisa hadde du lest noe om smålån. Etter en liten runde på internett fant du hundrevis av tilbydere, det må jeg kanskje undersøke litt nærmere, tenkte du mens du ble litt opphisset av hele oppsynet. Ja se her du, lån 50000 kroner med 120 måneders nedbetalingstid. Så flott, det blir ikke store forskjellen i månedsbudsjettet ditt det. Bare noen hundrelapper ekstra. Det skulle du kunne unne deg. Og selv om du ikke er billig i drift, skulle du ikke brenne av 50000 kroner på Malta. Flybilletten kostet faktisk bare ett par tusenlapper og de betalte du på lønna di. Nå i jula er det ikke så alt for dyrt å dra nedover. Tenk at Hanna ba meg med til Malta i jula da, tenkte du mens du klikket inn personalopplysningene långiveren på nett trengte for å innvilge deg et smålån. Du hadde lest betingelsene på en rekke smålån. Ett måtte du ha 250 tusen i årslønn, mens en annen krevde 350 tusen kroner. Noen krevde at du hadde hatt fast jobb i 2 år, noen krevde 3 år. Rentesatsene varierte veldig, alt fra 7-8% til skyhøye 29%. Du visste med deg selv at disse rentene ville variere alt etter hvor fort man betalte ned, hvor stort månedsbeløpet er, også videre. Du hadde en plan om å betale inn 30000 kroner til sommeren uansett, og da kunne du leve fint med å ha en konstant kreditt på 20000 kroner. Ikke noe problem, tenkte du for deg selv, da du signerte låneavtalen digitalt på internett. Herregud, dette skal bli gøy. Tenkt at jeg skal få oppleve dette nå. Jeg er så glad i Hanna, tenk om jeg var en mann da, alt var bare en stor dis, og du sovnet utmattet på sofaen etter alt oppstyret.

Søk om smålån.

To uker etterpå

Smålån fikk du noen dager etter søknaden var sent, og du var overlykkelig da pengene en dag stod på kontoen. For en herlig følelse. Du skulle shoppe deilige silkeplagg, gå rundt på stranden med en stråhatt, kose deg med en mojitas eller fem om kveldene og bare nyte tilværelsen. Takk smålångiveren, takk venninnen min og takk gode ideer og gode venner.

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