Do you need a loan? Do you REALLY need a loan? Sometimes the answer is yes, and sometimes the answer is no. There are LOTS of articles with vague, non-specific advice about whether or not to apply for a personal loan, a small business loan such as a dti loan, or a student loan. But what SPECIFIC advice is there for people who just aren’t sure whether or not to commit? What follows is my own personal experience. The opinions are mine alone. … [Read more...]