What to do when no one gives you credit?
This is a good question that I will direct here to the individual.
I am impressed by analyzing my own personal story of how difficult it was for someone to give me credit in my life, in any way, whether financial, educational, family or loving. There are a lot of good people with very big potential out there simply because of lack of credit whatever it is or being scorned with any factor.
I do not know if it is the country factor, if the confidence of the staff is even low with other people or if it was me I never got credibility, even with a clean record. The truth is that it was very difficult when it could often have been a little easier if you believed me more, and it could certainly be easier if you believed more in you, even without guarantees of anything, nor promises. The fact is that your personal growth depends almost entirely on you, even with few resources it has never been easier to grow in life, with the power of a PC, a tablet or a smartphone you can get very far from what you would never have imagined, With a modest cost. It’s amazing how in today’s world you can soar a lot in life just with the power of the internet.
I remember that in my childhood it was very expensive to buy those lists of school materials from childhood, despite studying in a private college in a very simple neighborhood, the lists were very expensive and even more so for three children.
The teaching material and uniforms themselves were already a huge difficulty in arranging for their children there in the 90’s. In high school I learned to turn around with little money and buy used books in the stores that sold LP, band shirt Rock, high school books, and others, as well as magazines and more, I even became friends with street vendors and had a phone number of some of them. At that time, without a cell phone (although I already had it on the market), I would call a payphone card (a lot of people do not even know what this is), I would take my old books and try to exchange for new books the other year, The guy is really broken the guy researches and values this.
Going home on a bus with a backpack full of books to study all year long was a very good feeling. The internet was still crawling and had few sites for the study. When you have little money, you have to try to do your part, study, work, live with little and move on, this is called resilience.
Nowadays in times of social networks we end up losing a little bit of individuality over a virtual self that we are not but an electronic extension of our thoughts, we lose a lot of time in social networks and forget to focus on ourselves, besides Of voyeurism that makes us feel diminished from seeing pictures of friends on trips, restaurants, on the beach, etc. It seems like everyone lives on the 8-minute soap opera unless you also act like that. Imagine for me that I spent 90% of my life that I lived in a beach town and today I no longer live, it is very difficult, this connection with the native land and the sea itself is very strong and causes a lot of angst.
Let’s talk about credit itself. What I call credit here is as if it were recognition that you are the person who is to become and no one recognizes. You’re strong inside and you do not know, people see you weak on the outside and you’re sure of it, it’s a really fucking time.
I can not stand here giving theoretical advice on things I’ve never seen or do not know, I think the best example I can give is myself and also the knowledge of people like me who have gone from scratch or from the negative and today are on the road to Million inexorably, I am referring to those who were born poor, from family without inheritance, trade or guaranteed employment. These people will be discredited until they achieve something because, in reality, only the results guarantee recognition, and these results consistently take a long time to appear, a continuous 15-20 years of study, abdication, resignation and hope in the future. best. The most incredible thing is that you do not even realize it, in school you had impressive results but the girls you liked almost never gave you a ball, your morale is very low, if you have friends who have families in a better condition, living in a condominium with Swimming pool, court, etc, new cars, who walk in better clothes and attending cool places, things get worse, a potent effect with the use of social networks like Instagram and Facebook, which fortunately had not in my time 15 years ago, unique Social networks were IRC and ICQ that I hardly accessed.
But then you are in this place, still without results, without money, without credit, without having how to grow, do what you can, whatever you have on hand, wherever you are, ask for some help to your family members, stay in focus and fight. Concentrate heavily on your focus, a college entrance examination, a public examination, a small business, all this takes a good 14 hours out of your day if you’re really willing.
Even within college you have to study more than others, make a good resume, monitor, be fluent in at least English and another language like Spanish, German or French, for example, to get a job fast or better or to do a post Abroad, in addition to having to work well and be responsible to make a good network and increase their future credit, so after all this start to study investments and contribute towards their future financial independence, the road is very long but it is doable, Is fully doable, at the most everything you need to control is your time, your disposition and have a computer with internet and earphones, a place to sleep and do 3 meals a day, only with this you already have the recipe for To win Master the computer and know English very well, these two things give you infinite sources around the world: lessons on youtube, lessons in Coursera, Udemy, FutureLearn, Edx, Khan Academy, EdX just to get you started.
There are still dozens of applications teaching English, teaching how to program, teaching math, Wikipedia for general knowledge, google and all. You just need to beat yourself and stay on the course that your time will come. Everything depends only on you, this is a great truth, forget the news and the conjuncture of Brazil or the world, there are people winning here right now, people prospering, people creating wealth, creating value, people working hard, studying hard, contributing Very confident in a better future.
When no one gave me credit, I trusted myself, and I went straight to my destination even though I did not know it. It’s funny, nowadays I could buy a zero km car with only 3 months of my net salary, and spent 25 years riding the bus, watching people drive by, taking rain at the bus stop, getting late at night expecting one Bus pass for fear of being mugged and nowadays a car to me is so easy to buy.
Why did not they give me a car when I was in complete shit? Because I was nobody, I had to grow up for it. Am I going to blame the world? No! Am I borrowing now to have material goods and pay high interest for an uncertain future? No! We have to learn to live on our own and within our personal and financial possibilities. How many girls did I stop staying because I did not have cool clothes or a popular car to take back and forth? Many. Certainly. No shabbiness, feminism or chauvinism just because the world is like that.
Another bizarre event of my life was the refusal to have bank financing to buy my apartment. I was already trained and well employed in the private sector, single and childless, spending 10% of my income to keep and keeping 90%. The ridiculous banks CAIXA, Banco do Brasil and Itau denied me a financing of 80% of the value of the property to pay in 10 years, left me with no explanation, a ridiculous thing I have ever seen. What criteria do they use? What controls? I was just looking for a medium-sized apartment, in a condominium in a middle-class neighborhood where only factory workers live, and the fucking banks denied it. Just as I spent 3 years ordering a Mastercard Black card and they never gave it to me, and even then it was difficult to increase my Platinum limit. I’m an outcast in the system.
I rented a small apartment far and very cheap, I lived for a year at a university level down, gave a super fucking entrance in the ap that I wanted to buy and paid the rest of the balance in less than a year direct with the construction company and finished paying So I received the key, so no debt, no interest, no financing, no banks lending me anything (without giving me the CREDIT) because I am who I am and have what I have. So do not expect justice or clemency in the world, do yours, it’s horrible to run out of credit and borrow things from banks and/or companies.
Now that they are damned, I am a member of 2 banks, bond holder of several companies, bank, and financial lender and now I am the handsome are wanting to give me the due credit, no, a nice thank you and I pay you the interest to use My money, what’s mine I want now tin tin for tin tin. The same thing applies to women, I could not stop talking about it, everything was immensely easier, and still would be if I tried again, it is visible the number of repentants who never left the corner and have aged and did not have a nice face, The kind that the majority of my 15-24 years gave me countless strengths today would be much easier, but since they ALSO are in their 30s like me, my thanks for the lessons taught, our time has passed and our roads have not Have crossed, look for a newly separated pack of 40 and children and ex-wife and pensions because I require at least an 8 years unless I.
I am at an age when my friends are already in the second marriage, second son, my friends, some already separated, some with children, after all, there are few people who do not even have me, who alternates between dating and single periods, Well with life growing and contributing, because I’m only 30 years old, imagine in the 35 years when my assets practically triple from here to there, and yet the road is quiet, I did not have much, but also escaped much stolen, better To be grateful for all the shortages to learn valuable lessons in life and to be able to have all the readings and experiences that I have and have arrived so far where I arrived.
Next month I’m going to have a birthday and I’m going to give myself 15k LFTs to increase my emergency reserve. In the next 4 chilled crowns here on the porch of the house before sleeping listening to a little song are already of great size to celebrate this mark.
I hope you have understood that without any credit you will have to grow independently of this and make yours truly, bluntly, thriving inside, without boasting, nor crying, nor emotions, nor envy of others. Each person has their destiny, but also each person is responsible for their destiny.
I even know that it could have been a lot better if I had made certain decisions in some times of my life, but now I can not go back, the way is to follow the plan, it will not be 100% perfect in the plan because invariably you will have Some small slips, however have to adjust the course to do the correct. Correct is correct and you know it.