Write a paragraph on how does borrowing money affect us?

Borrowing money can have a negative effect on us and most of the time it leads to more harm than good. Borrowing money means paying more for something than you normally would if you waited until you could pay for it with your own cash. In a professional loan agreement, this means paying in the form of interest. Even if you aren't paying a loan back in the form of interest, you would pay in the form of stress or strained relations with the person who you borrow money from.

In the worst scenarios, people may find themselves in "debt-slavery". The term refers to the fact that many families get overextended on credit and end up putting a large portion of their income into paying off debt. This can result in immediate stress, taking on overtime or extra jobs, and delaying retirement by several years.

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